you really only need one branch somewhere near you to do the very occasional in-bank stuff. mobile apps can be used for deposits and any atm can be used for cas

you really only need one branch somewhere near you to do the very occasional in-bank stuff. mobile apps can be used for deposits and any atm can be used for cash (use non-big-bank atms to withdraw without fee). the atm network for credit unions is comparable to a big bank. you don't get good customer service (via phone or otherwise) at a big bank, as they see it as a cost center to be minimized. smaller banks use good service as a differentiator/product enhancement. but yes, international charges can vary a bit.