I love this bank! I definitely feel that credit unions are the way to go. My boyfriend has both WAMU and BofA accounts and he constantly has to pay for ridiculous charges for both. I've never had a fee for anything at WSECU. Everytime I call customer service they're extremely helpful and courteous. The best part is they work with other credit unions so that if you don't have a branch of your particular credit union near you, you can bank at other credit unions such as BECU, Verity, Watermark, etc. There are no ATM fees at other credit union ATMs either (although there are fees at your BofA ATMS). You can join WSECU if you're a state employee or if you go to a state school (UW, WSU).