Great Service, No/Low Fees, Great Rates At THINKBANK

THINKBANK used to be a credit union, THINKCU for Employees/family/friends of IBM.  Superbly run by IBM folks.  It recently converted to a bank to offer more services to more people.  I was very hesitant because I was thrilled by the rates and free services at the Credit Union.    So far, it's been great.  Not getting charged for 'inactive accounts', checking accounts, etc.  Car loan rates were the best I could find.