Personal Finance
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It has been a constant source of amazement to me over the past couple decades that people give their money to banks instead of credit unions. They are better in every single way unless you are one of those last few people who actually have to go to a branch to deposit a paycheck or have a need to visit your financial institution in 13 different states or something. I average less than 1 visit a year to mine, they have no fees for anything except ordering checks (and who the fuck needs those anymore?) and I get free $5,000 in overdraft protection on my account, only have to pay nominal interest if I dip into it. No ATM fees if I use a credit union co-op ATM to get cash (and who the fuck needs that anymore?) Easy peasy and they aren't trying to wring every drop of blood out of my bank account.
If you’re curious about who still needs checks, I need them for random things for my kid’s school because they themselves are ancient. I also know some people who refuse to pay their rent electronically because some asshole landlords love to tack on bullshit “electronic payment” fees. But I agree with you in every single way. I wish credit unions were more accessible in more areas though. It’s not like you’ll find out around every block like a traditional bank.
Look at the map of your area and see what's there. This is only the branches - for atm, any 711 has a navy Federal credit union ATM that should link to your bank account.