It's too bad about the negative reviews. I am a new member and I used them for an auto loan recently. So, I don't really plan on banking much there but I did have to open a checking account in order to get a loan. The loan process itself was relatively smooth, quick and hassle free. I got an awesome 2.98 interest rate. Teresa Popp was my loan closer and she was very nice and friendly. She has been more than helpful.
I might see how the ATM only use could frustrate people, but I am not going to be using them much for that. However, I don't see the big deal. My main bank that I use, I do everything online and through ATM. Makes life easier that way. Who would want to go inside and deal with a teller all the time? Anyway..If you want a loan for something you should try them out, as I had a good experience.