I'd look for another credit union before going with a commercial bank.
Bank of America's check fee is $35, and it's a total pain in the arse to try and get anything with them straightened out. Plus, they would prefer that you use an ATM over a teller. Generally, the corporate commercial banks could give two shits about customer service.
My credit union does all the things you are looking for (the three days on an online billpay may or may not be related to the usual time it takes for an electronic transfer, just so you know)--and it is a part of the Co-Op network, which allows me to use thousands of ATMs around the country for free. Around these parts, there are a couple of credit unions to choose from.
Have you exhausted all of your customer service options at your current credit union? At the very least, you should write them a letter explaining what happened and why you're considering taking your business elsewhere. Remember, in a credit union, you are a shareholder. If you are not happy with their performance, there are more options with a credit union than a commercial bank.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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