While running errands today I stopped in the credit union to do a little business and see who I could talk to about the problematic iPad website. It's a simple problem really, the iPad is redirected to the mobile website. As you'll see if you visit the mobile site it is pretty spartan. More problematically there is no way to opt-out of using the mobile site.
So I try to explain the problem and I'm treated to an explanation of how the browser on the iPad works. "You see, the iPad looks to the server just like an iPhone so it's not possible to tell," goes the explanation. Of course it's complete balderdash. I explain that I spend my days working on some relatively large websites and know a thing or two and in fact it is possible to differentiate the two.
Of course it's not necessary to take my word for it. Apple has published a technote on this very topic.