I agree, Compubank is great. You can get around the no local branches by keeping your local checking account open and linking it electronically to Compubank. If you have checks to deposit, you go to your local bank and deposit them. Then you log onto Compubank and transfer the amount to your Compubank account. Three days later, the money is there and the transfers are free and unlimited. Their customer service is very good so far, no hold time on the phone and quick responses to emails. They are also very flexible, I asked them to raise the per day limit on my Check card from the default $1500 per day to $10000 to day and they did it right away, no questions asked. Looks like a great company so far.