Credit union customer here as well. I think mine is pretty great.

Bank. No love for it, just no real choice for our circumstances. Used to belong to Navy Federal, nothing special there either.

I use a bank and my brother uses First Entertainment Credit Union, which is primarily for employees of the entertainment industry, but I believe that anyone can open an account there. I know that I could, but then my brother works in the industry.

I use US Bank because the branch in Marina Del Rey was the closest bank to our house in Venice. When I opened the account, it was simply called "Marina Bank" and was independent and locally owned.

When I lived in San Francisco, I opened my account at Hibernia Bank, which is the bank that Patty Heart robbed. But then that bank was bought by Rainer Bank, and then Rainer Bank was bought by Security Pacific, and I was okay with that. I could use Rainer Bank when I visited friends in Seattle.

After I moved to Los Angeles, Bank of American took over Security Pacific, and I started having huge problems with them - and I complained so many times that BofA told me that I should move my account to a different bank, and so I did. I never liked BofA anyway.

Once I went to a party in San Francisco (around 1975, I think) at Twin Peak Bar, or close to that, and someone came up to me and said, "Do you work at Bank of America?" I was shocked at this suggestion and said, "Does anyone?" Then I found out that I was at a party for employees (and friends) of the Bank of America across the street, and I became very embarrassed and left. There was a better bar I could go to down the street, although the drinks would not be free. I was not interested in the drinks anyway, but the party did have food.

I've never used a credit union primarily. I have one small account (<$500) at a credit union that I opened not quite 10 years ago, for a specific reason. It's a credit union that caters to military personnel stationed in Europe and it was one of just a few credit card issuers in the US that offered Chip and PIN (EMV) Visa cards. Standard US cards are called Chip and Signature. Chip and Pin are easier to use abroad, it's the standard nearly everywhere but here. There are a few more sources available now than there were then but they're still not widespread, so I've kept it.

Otherwise, I've found what works best for me is a medium-sized bank. Large enough to be competent, not so large as to be too bureaucratic. I've had some credit union accounts here and there over the years for specific reasons (like once finding a favorable car loan rate) but I find them, even larger ones, to be like local banks. Rinky dink, not knowing their business and thinking anything they haven't dealt with in the past month isn't possible. The credit union I have a card with is for sure rinky dink and challenging to try to accomplish anything that isn't vanilla.

My bank is a pleasure to deal with. Everything is possible, nothing is unreasonable, little time is required to do what's necessary. Oh, and it has no branches near me. Everything is done online or by phone. No charges, no minimums, no hassles. I'll even name it - USAA. I can do anything I want for free at a large network of affiliated ATMs, and can use any ATM for free to get cash. Guaranteed no-loss debit cards (in the case of fraudulent use) and good rates (and I think no charge) for foreign ATM use.

I considered joining a credit union when I refinanced my house but their rates weren't as competitive as I had hoped so I didn't. I don't know what else they'd do for me.

I don't expect much from my banks, so when I just had a hassle over a silly issue I pulled a lot of money out of one bank and moved accounts to my other bank.

We live in a small town and have used the main bank in town because my DH has been a director there for over 30 years.

Credit Unions for about the past 30 years. We opened an account to get the best rate mortgage through a local credit union. Ten years later, we relocated to another state, payed off the mortgage, but for a reason I don't even remember now, kept the account open by leaving $5 in it. (We also joined a local credit union.) 6 years later, we moved back to the original state, but 150 miles from that Credit Union. Once again, we found the best mortgage rate at that Credit Union, but it was for "members" only. And we were still members! So, we got our mortgage through them. Again. We joined another local credit union . Now, 11 years later, our mortgage holding original credit union has expanded to our metro area by opening a branch 20 minutes from our house!

I've been involved with several credit unions over the years and found them mostly competent, though my needs weren't as complex as Elmer's and others'.

Some of our credit unions have built a network of a number of branches.

With credit unions the members are owners and profits are shared annually.

If you use a bank, have you chosen to buy shares, to share in at least a small portion of the profits developed?

ole joyful

My personal account is with the bank I got my mortgage from. Our joint account is a credit union. Personally, I don't see the difference. As long as we can cash a cheque and save a few bucks, it makes no difference to me.

I bank at both a credit union and a bank. I bank at the Boeing Employees Credit Union (BECU) because I worked and retired there, and also Bank of America. It used to be that BECU was exclusive for Boeing employees/retirees, but anyone can bank there now. Their rates beat any bank I've found. Bank of America because it's convenient. I have no problems with B of A. I'm not that picky though. They keep my money safe, I can get to it, and they answer any questions I have, which are very few. I'd be embarrassed if a business asked me to take my business elsewhere.

My credit union's rates on loans are lower than most banks, and their interest on savings is higher. My credit cards are with big banks like Chase and BofA, because their interest rates on those are lower.

I use a bank - that helped arrange financing for my house purchase - for most things, but I use a credit union for a high(er) interest savings account.

I have a small amount in a credit union and two accounts at BOA. When I reestablished the account at the credit union I had maxed out the four accounts and wanted to eventually give my stepdaughter something beyond her share of my estate when the time comes. That credit union has very low rates for accounts and higher than the general area for loans. I had closed the account I previously had in 2008 but they reestablished it in 2019 rather than establishing a new one which I found very odd. I am now down to only two accounts with my name on them at BOA so can now close it.

I personally like BOA. Other banks I have used put too many limits on what I could do. One froze my account on a holiday weekend. Another suddenly put a $100 withdrawal limit back before ATMS were universal.

I may have a different opinion after next week. I have an AAA travel card for points. I received notification yesterday that it was being transferred to Comenity Capital Bank as of October 7. Because my trip to England was cancelled I was offered monetary credit rather than future booking. Will be asking for the remaining credit amount to be transferred to one of the accounts or a check sent to me prior to closing. Will see how much fuss there is.

We've used the financial services from the same banking location since the early 1980s. It's changed names three times in that period and is now one of the regional banks.

Both...checking through Credit Union and everything else with a couple of banks.

Here's a recent Bank of America story. My wife needed to trigger a large-ish wire transfer out of her parent's account. Not that it mattered, I looked into what would be involved to do so from our main bank. There was a $20 charge and it could be done either online or by phone. My wife called BofA - it was $30 and needed to be done in person!

She called the branch nearest to where she was. They would be happy to help her, but she needed an appointment. No, sorry, none were available until two days later. She started calling other branches and found one about 20 miles away that could handle it the same day if she could come right away. She did, arriving at 2:00 to find a BofA'er who was eager to be helpful but was clueless about what she was doing. TWO HOURS later, the wire transfer process had been completed, to happen the next day. My wife was exasperated and asked how it could take them so long to do something other banks could handle online or by phone. There was no answer but the person said "I'll make a note in your file, we won't charge you for the next wire transfer from this account." To which my wife responded, as you might expect, "There won't ever be another wire transfer from this account".

I left Wells Fargo 25 years ago because of similar nincompoop-ish incidents. Part of my comment earlier, I've found a medium size bank large enough to not be country bumpkins and slightly smaller than the large ones to avoid having too many idiots, that has the ability to provide good service, bringing to bear its worldly experiences and resources to do so.

The banking business is not as hard or as complicated as the frustrating experiences so many have had would lead you to believe.