Interesting reading, though I suppose the arguments to be made are the same as those for/against the small credit union I used to use for checking and still use for auto loans.

Pros: Great customer service, no fees on anything, best lending rates anywhere
Cons: About 12 ATM and branch locations in the world, all about 3 hours from where I live now

On the other hand I have another account with a much larger institution that looks like this:

Pros: Lots of ATMs and branch locations throughout Hampton Roads and elsewhere within Virginia
Cons: Fees to do anything, car loan rates that are blasphemous for a credit union, credit card rates that are financially irresponsible for anyone not playing in the NBA

Same situation here I think. I've never had a problem with their service (knock on wood) but I would like to see their fees diminished or eliminated. One thing to keep in mind though: the reason Amazon is free is because they want PayPal's business. If they are actually successful at eliminating PayPal, they'll celebrate by charging fees. It's the American way.