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Well, fees are waived for people with enough balance/direct deposit etc. And lines move faster, they're open on holidays and they're faster and easier to deal with. And their online statement work better. But if you don't have a decent balance and direct deposit, or the nouse to use those to get fees waived, then yes, you need a credit union. Online is really the way to go, though.
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The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
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