I'm in the process of moving my accounts to a credit union and already wishing I'd done it long ago. Most of the fees are lower than what my bank charges, and the service much better and more personal. If I have a question or problem I can visit a branch or pick up the phone and talk to someone local rather than calling an 800 number and talking with god knows who and where. I can use the ATMs at over two dozen credit unions in Central Texas with no out of network fee. In my opinion, credit unions are the way to go.