Not convenient. I used to, when I worked for a place that had the credit union in the building. I’m at the bank physically a few times a month. And lack of services. My brokerage account is held by the same corporation, meaning I can move money around really quickly. And I have enough money in the bank that I don’t pay fees - I don’t even pay fees to trade. The credit union didn’t do currency exchange.
I would assume so for most major banks. I don’t know about credit unions or small banks.
I’ve generally used small banks, and yes, I would consider this to be pretty much standard.
In regards to the OP, I would consider a credit union but banks have offered me a better deal. I’d prefer not to deal with a huge bank because I find that they try to nickel and dime you with fees, and tend to be difficult to work with, but I like small or regional banks. Small banks in my area seem to offer the best deals on checking accounts in particular; my checking account pays 2.5% interest up to $25,000, among other benefits, as long as I use my debit card for 10 purchases per month. Finding ATMs is no big deal due to being a part of the ‘privileged status’ network, which constitutes the majority of ATMs in my state, and plus they refund $25 in ATM fees per month if you need an out-of-network ATM. No fees for the account, no fees for the debit card, no minimum balance. It works for me and I can’t find a credit union in my area with anything remotely comparable.
Sorry - meant to start new thread, not revive zombie, please ignore this post
According to Google maps, there is no credit union in my zip code, while there are branches of 6 different banks within a five-minute walk of my apartment.