I desperately want to use a credit union for all of the presumptions you're making, however: - I've moved to 12 in 15 years across 3 countries and 8 states. Cr

I desperately want to use a credit union for all of the presumptions you're making, however: - I've moved to 12 in 15 years across 3 countries and 8 states. Credit unions are terrible for this. - The non-profit credit union I used for my car loan was quite possibly the worst and most painful technology interfacing experience I've ever encountered. - There are all sorts of out of state and international benefits by using a national provider - for example, I regularly send international wires for an international STR property I own. - You simply can't beat big banks for their CC rewards. FYI - I've used BoA, WF and Chase blows them all out of the water. So, no, it's totally not insane.