[Supermancho]

> But there is something to be said about having an actually usable banking website, modern ATMs, and most importantly some support options during non business hours when something goes wrong

An example of all of this wrapped up in a credit union in California - School's First Credit Union.

What's great about modern banks/credit-unions is the ability to issue cards that can use payment processors like Mastercard (school's first uses this), making almost every ATM work for you. I was able to make purchases in London without doing anything special.

The account monitoring is also top-notch. I buy gas, driving up to San Francisco and someone buys some shoes in Los Angeles when I had just stopped in San Jose, I get a phone call. I try to purchase more than $X with the card, it won't go through without me allowing it (you can configure your max daily, ofc). Loan rates are great. It goes on and on.

I just don't understand why anyone uses big banks anymore.