I chose this credit union because we had moved here from another state and this was the 'shared credit union'. Before signing up my accounts I went to use their services to access my money. The first thing out of their mouth was 'there would be a fee for that'. But then found out it was waived because my branch doesn't charge. That should have been my first clue. Every since, moving accounts over that has been the constant...'there will be a fee for that'. My last straw is being told that there is a fee to do a transaction of the phone! I believe they give credit unions a bad name. I'm taking my money out today and goig else where.