I dropped BoA a while back, I still have a savings account there with a negative balance because they are retarded, it will never close cause I will never pay them for their ignorance. I bank with a small TX company now that is not perfect but much better, plus they own all the mortgages they issue so it gives credence to how conservative a bank it is.
AY Fan Club President.
"Damn, sometimes I think you guys make being stupid seem like a skill set." - Troubador
credit unions are not for-profit institutions, there are no shareholders to report to.
At my credit union you can get a new or used car loan for 2.75% up to 5yrs old and a Platinum Rewards Visa for 9.75% which is unheard of anymore at a mega bank.
While I say interest was meant to be made not paid, the fact is much of the middle class uses credit, so why not go to a place that offers lower rates with a smile? One cool thing about my credit union is even 7 years ago if their doors were open, your deposit was LIVE unless it was some obscure check that needed a partial hold. None of this it needs to be deposited by 2pm Friday or it posts at midnight Monday bullshit.
I love my credit union and they treat me like I'm royalty. www.decu.org