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The US has credit unions, which (generally) address the non-technical things here - they're owned by their depositors and any profits beyond what's needed to operate get returned as dividends. I've had very good experiences thus far with Simple, as well.

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I can see why you're linking credit unions with the non profit thing, but I think the non profit thing is there, for me at least, as more of a statement to show aims, so not nessecarily the same reason why a credit union is non profit. My experience with CU's here is that they are even worse than banks (almost impossible to withdraw, no current accounts, no atms, rarely open) is that similar in the US?

Very different here in the States. They have ATMs, are open about the same hours as banks, checking/business accounts, offer credit, mortgages, car loans, etc.

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