Your local credit union. There's a greater chance of your money staying in and supporting your community...versus probably not even staying in the country. Po

Your local credit union. There's a greater chance of your money staying in and supporting your community...versus probably not even staying in the country. Policies are driven by needs of members, not investors/shareholders. You have a much "louder" voice about policies, offerings, etc - possibly even able to attend board meetings, for example. Despite you saying "online only is preferred", it's really nice to be able to, when you have a problem, be able to walk into your local branch to familiar faces and get help by people who remember you and give a shit about you. At a prior CU I was on a first-name basis with the assistant manager and they would do things like clear checks faster, waive an occasional fee, etc.