[Supermancho]

I've used credit unions since my first "BofA experience" in my 20s. School's First FCU, BECU, etc. They have all been great and I highly recommend them. I charge something to a card outside of the state but have recently bought a plane ticket to that area, it's fine. If I don't buy a ticket and my card is charged in some out of state area or 2 charges are made within a few hours across 100 miles in distance, instant lock on my card and a phone call.

This stuff is just wonderful. No monthly fees. Can use a debit anywhere Mastercard is valid, even overseas.

> The problem is most credit unions suck.

This has not been my experience. Chase is miserable, but if you need a business account, credit unions can't help you there.