really? my dinky cu in philly lets me use,free, the atm in any 7-11 in the country, lets me deposit in a huge amount of other cu's, even across the country, and today just announced that they now have deposits via smart phone photo. i chose mine because it had the highest money market and cd rates around, but there isn't a branch anywhere near where i live or work, but i never need to go there - except once i went to open an ira. i use another cu close to my home to deposit, and opened my account by mail. their interface is a bit clunkier, but they have all the online banking features that my big bank did. so,as others said, maybe you just need to change your cu.