In Canada, credit unions aren't perfect, but usually worth paying a bit more for better service. In Quebec, Desjardins (coop, on paper) has done lots of cuts a

In Canada, credit unions aren't perfect, but usually worth paying a bit more for better service. In Quebec, Desjardins (coop, on paper) has done lots of cuts and tries to compete with banks (many branches closed/merged), but when there are issues, I can easily get someone on the phone and they resolve it quickly and professionally.