I have checking and savings accounts at the Internet Credit Union but I don't use them. - I'm in NYC. ATMs that don't take a surcharge are few and far between.

I have checking and savings accounts at the Internet Credit Union but I don't use them. - I'm in NYC. ATMs that don't take a surcharge are few and far between. There are two near my house, at a McDonald's and a bodega. According to the locator, only one ATM in all of Manhattan takes check deposits. An iPhone app called CU24 ATMs can find them (be sure to switch the filter to "surcharge-free ATMs" because by default it shows all ATMs), which is nice. - Online banking is done through a website called It's Me 247 (https://obc.itsme247.com/237/ https://obc.itsme247.com/237/). It's frustrating to use — to log in you enter your account number, password, and the answer to a security question (it can't remember your browser). There are no mobile apps, and it doesn't work with Mint. There is a mobile site, but like the desktop site you have to log in with your account number, password, and a security question every time you use it. - Their main website is actively broken on my phone (it's locked to 1x zoom and you can't scroll horizontally) due to an incorrectly-used <meta> tag. Jordan himself wrote back to my email after a few days to say that he was working on mobile support, but the website was never fixed. (This was >1 year ago.) - I can't direct deposit into my savings account because it shares an account number with my checking account. - There's no way to pay bills or send checks online. - I called to order checks when I signed up. I never heard back and never got any checks. In the end, I was never able to switch from Chase, which has clearly-marked ATMs all over the city (most of which accept checks) and a nice mobile app. If I were going to use another bank, it'd probably be Simple, which prides itself on being easy to use. I wanted to love the IAFCU but day-to-day banking was too frustrating. On the other hand, I had no idea they had all of these regulatory difficulties, and their mission to provide banking to the under-served sounds an order of magnitude more important than keeping people like me happy.