Why you should join the local Credit Union

[BrianR]

I use a large CU for my banking, but it is found in most states so I call it a national CU. My wife uses BofA for her banking because she didn't qualify for my CU until we married. My only complaint is availability. If you're lucky, there is one branch in your city. My branch is almost two hours away by highway. I can withdraw via ATM at any 7-11 without a fee so that isn't too bad. But the CU claims they are looking to open a location on my side of the Metroplex so that will make in-person banking easier.

She wants to change over most of her accounts from BofA to the CU because there are lower/fewer fees and often better service, but at least one account has to stay where it is for technical reasons. My CU offers online banking, online bill pay and just about everything I want to do right in my living room. I like my CU, which I joined twenty years ago and have used for paychecks as well as my pension checks ever since.

I voted national bank however, because there was no option for national CU and since we is a pair now, I do banking through BofA too. But I won't cry to see them go.