[pessimizer]

The only differences from my credit union seem to be mobile-first web design and an open API.

I usually deal with my cu through my phone, and I do have to click "Mobile" to get the mobile site - but it doesn't bother me very much.

[niallpaterson]

I assume your credit union isn't open source though? It's great that you're happy with your bank, but I suppose what I'm trying to get at is that banks can improve a lot, and just because it you're happy now, doesn't mean we can't try to do better. It's kind of along the lines of Ford's Quote:

“If I had asked people what they wanted, they would have said faster horses.”