We've had no problems with North Shore Bank. It has a decent online banking system that allows transfers, etc. And you can go paperless, too.

Hermantown Federal Credit Union. There is a Duluth branch on London Road. There are cookies every Monday and Friday!

I've had a great experience with Superior Choice Credit Union.  They do have a good online banking system.  The only drawback is limited access to non-fee ATM's.

North Shore Bank is local and an OK bank. But - the sister of the guy who owns that bank (both are from the Lewis banking family) owns a different bank, Park State Bank.

Park State (2630 W. Superior St.) is particularly good in terms of community involvement and it has quietly helped many fledgling businesses and also with charitable causes. It has good online banking and customer service. It has been very helpful to us as a small business by allowing us a line of credit for lean times.

Linda Krug, now running for city council, is on the board.  The bank is woman owned (OK - that does get into the warm and fuzzy area).

Here is their link:
http://www.parkstatebank.com/defaultHTM.php

Beacon Bank--across 4th Ave from Starbucks. Great online banking and if you need to visit the bank you'll almost never wait in line. They also have a drive through on Michigan and a location across from Miller Hill.

I've always banked with Superior Choice Credit Union (and NBC on the side).   SCCU provides good service, easy online banking, interest on your checking accounts, free checking, etc.  

However, like Joel said they don't have a lot of ATM's and their interest rates aren't always the best (but they sure are convenient to access).

All said, I have no intentions of switching away from them at any point.

Superior Choice Credit Union is great for service and low fees and great loan rates.

Park State Bank is great for its no-fee ATMS, community focus and general friendliness. They are willing to work with you if you're a small business owner.

I bank with both of them.

I normally like taking my business to local/smaller businesses, but I've had to dump local credit unions because their online services are flawed, cludgy pieces of crap.

I moved to the big evil, and love being able to easily access everything online.

I know it is not local but it would be worth taking a look at USAA (https://www.usaa.com).  It says that it is military but it is actually open to everyone, with the limitation being that insurance objects are only available to military or family of military (if one of your parents were military you qualify).  What's nice is that they offer Free ATM usage at any ATM (they pay back any fees you may encounter) and also offer deposits via cellphone pic, which is nice.

I bank with Hermantown Federal Credit Union. They have a very convenient online banking system. And they are very friendly and competent. I see no reason to switch from them. Also, you don't need to be a small business owner to have a line of credit - which at times comes in very handy. No fee ATMs at all SA gas stations.

About Park State Bank ATM's: The bank has eight ATM's in Duluth and one in Minneapolis in the Warehouse District. If you have a qualifying account, the bank will refund ATM fees charged by other bank's ATMs. Some of the PSB machines are free and some are only a buck, that's all. Check out the website www.parkstatebank.com for more info.  Think global, bank local.