Crl, with the Credit Union account we have, we can set up sub accounts under the same number which comes in really handy. We have a checking, Money Market and several saving accounts set up under the same main number, they just add a sub number to the end so they can identify it. Example 123456-1, 123456-2

The only account that is accessable with the Debit card or even bill pay is the checking. So when some crooks drained all of our funds from our account, they were only able to drain from the checking and all the other accounts were safe and unaccessable.

I've always been very pro Credit Union but after the way they treated us when the checking was robbed or even recently when we bought a car, I"m a complete loyalist. The funds were back in our account within 24 hours and when we bought the car, I had approval within minutes and didn't even have to fill out an application.

I'm also very pro credit union. I have checking, money market and several investments with my local CU. The free financial planning is of immense value to me.

We could do a second credit union. I have checked a second one and we are eligible for membership at it too. Do you have any trouble finding affliated ATMs when you travel?

Not at all. Most Credit Unions participate in the CO-OP program which utilizes a system of sharing ATMS and even services (at some). I've never paid any fees in the 10+ years I've been with our CU, no account fees, no atm fees, no auto transfer fees, nothing.

The CO-OP site lists all of the participating CU's. The link below is to the CO-OP Financial Services site so you can locate participating CU's in the area's you're in or traveling to. Also all participating CU's will have this logo posted on their ATM's, their door and the back of the debit card. I also think there is another outlet that is shared among the CU's however, I don't recall the name, but you can always inquire at your CU for more info.

CO-OP Financial Services

We have accounts at two different credit unions and a local bank.

I bank exclusively with credit unions. I love having no fees! I haven't been with a bank in over 20 years.

Hmm, we are also USAA members. We have insurance and a credit card through them. Maybe we should just switch our Wells Fargo money over to them. Thanks for the ideas everyone!

I'm out of the loop and have WF accounts. What's going on?

Wells Fargo is financing one of the pipelines. I support the protestors so I don't want Wells Fargo to have our money.

http://www.truth-out.org/news/item/39353-seattle-moves-toward-divesting-from-wells-fargo-to-protest-the-dakota-access-pipeline

Thank you

Are there any financial institutions NOT in oil?

We use USAA too.

What?? I did not know about the pipeline, although I was aware of their employees creating fake accounts to reach sales goals. I wish I could pull out of WF. My mother has her accounts there and she is too old to think about changing. She wouldn't get it. I have an account there to because of her accounts. I also have an account with another bank. The only reason I keep that one is because there is a branch and ATM near my house that is convenient to use.