In my 4th year with CS and I have never encountered a problem. The one time I lost my debit card, I was able to get a replacement really fast from a very polite and knowledgable CS rep. I travel to Asia often and use the ATM. Any and all fees have been reimbursed. The Brokeage Account that comes with it has been sitting dormant since opened but just recently, I was able to open a Schwab Investor card from Amex because of it. The interest rate is better than the majority of mainstream banks but personally for me, it was never an issue since I maintain a relatively small amount; bulk resting in much higher yielding savings accounts.
If you rarely deal with cash like me, this online bank is the way to go IMO.