For personal banking USAA does a great job (usaa.com). As a bank that serves the military community and their families they only have one branch in San Antonio, TX. Everything else is done online, over the phone, and by mail. Since this has been their business model from day one they have a very capable online banking platform. Because all the banking is done remotely they help out by refunding all ATM charges, allowing free online transfers from/to USAA and any other US bank, free bill pay, and you can deposit checks online using your personal scanner (and the deposits are credited immediately to your account - no 2-3 day holds). Recently they launched mobile.usaa.com and it is one of the most simple and easy to use mobile implementations I have seen.
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