@Okechukwu,
I beg to differ. I do get to make transfers (EFT/RTGS) with coopnet - both to other coop accounts and other banks as well. You can even set it up to occur at a later date so as to time a value date of a cheque etc. For international transfers however I've had to walk over to a branch. Ask for an upgrade bwana 
I find their offering convenient - the MPESA to Bank (paybill 400200) is realtime. The moment you've received a text from Coop on your transaction which is just a second after the Safaricom text - just refresh your transaction listing and the transaction's there and your balance updated. Way faster than KCB IMO.