I was a super early adopter and couldn't agree more. I was also pretty young at the time and really only had that one checking account as a source of money, and their failures at being a bank really screwed me over. I can remember being in line trying to pay for $200 worth of groceries and getting declined (despite having well over that available in my checking account). The reason was eventually cited to me as a "technical glitch" after I had to call their after-hours "emergency line" and wait for a callback standing next to my groceries for a half hour.

The mobile experience was really great though, and I like that they automatically accounted for things like tips in your available balance to give a clearer picture of available funds.