>Credit Unions [...] don't offer stuff like checking accounts, atms etc, aren't really open that much, are exceptionally slow at allowing you withdraw and are completely offline. That's just my experience, but I don't think you could actually bank with a credit union, which is what I'm trying to get at.

I'll chime in with a bunch of the other people in the thread and say that none of these things are true of my (US) credit union. Their online banking could use a design refresh, but fulfills all of my needs pretty well.

Plenty of atms and free checking, also a few convenient physical locations in case I need to look someone in the eye. Been with them for 10 years.

edit: branches close at 6, but the drive through is open until 8. Also open on Saturday and Sunday mornings.