The reason I opened my account with PEFCU was that the ATMs of my previous bank - Bank One, also with a lot of local presence - were constantly out of order. One night, after trying 3 places, and not being able to use an ATM, I went over to PEFCU. They turned out to be quite a bit superior to other banks I used: I never had to wait more than 2 minutes in a line, their cashier's checks are free, and they serve free coffee to everyone who walks into their bank! So far (2 years) I haven't had any unreasonable charges, which is something that every other bank customer complains about. So, good place!
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