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I use a small federal credit union and have had few problems. Checks clear in five days or less, even the BIG ones. Although I *did* deposit the 10k check in an ATM...that was pure convenience.
The rates are a touch better than banks too. I get 1.75% on my savings, which is still a pittance for the use of my money but the bank gives my wife 1.25% so....
They have even reversed fees when they play the deposits last game on me and something bounces.
Just sayin'
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Never be afraid to tell the world who you are. -- Anonymous
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