I highly recommend their checking account. I just switched from BofA to NFCU, and couldn't be happier. A brick and mortar bank isn't necessary in 2019, imo. You can deposit via the app, and their eChecking provides up to $10 monthly reimbursement of ATM fees from non-nfcu ATMs. If you need to deposit cash, you can always keep a 2nd checking account open at a local brick and mortar then transfer money, or simply deposit at an NFCU affiliate ATM. They also have a CLOC if you want, and their savings is night and day better than the big banks. Although, sidenote, I recommend people keep their large savings in high yield accounts like Marcus from Goldman Sachs, and others.