Wasn't sure about opening an account at such a small bank/credit union but I arrived at around 4PM on a Friday assuming I'd be turned away or made to wait, but I was helped right away. Opened an account pretty quickly, no issues, very helpful staff and learned about a credit union to boot. Still not sure about the ATM issue (I refuse to pay fees so we'll see how many ATM's are really in this Allpoint network), but online access was easy, intuitive and rich with features. I'll update after a few months of use.