>First and foremost never consider a credit union a "smaller bank" the rules and regulations around credit unions are very very different than commercial banks

>First and foremost never consider a credit union a "smaller bank" the rules and regulations around credit unions are very very different than commercial banks the biggest being they are coop's i.e member owned, and non-profit. My concern as a common man is whether I can trust a bank (or credit union) to keep my money more safe and accessible than I can myself. I don't care what their internals look like, they're all banks of varying sizes and reputations as far as I'm concerned. >however they also are soo big that your individual account means nothing to them and they have no incentive to provide any customer service at all I bank primarily with US Bank, and their customer support has been nothing short of exemplary both in-person at the local branch and over the phone. That exemplary service combined with their size means I will continue to bank with them for the forseeable future. I will add, for context, that I live out in the countryside where all business matters become more personal as a matter of practical reality. Most of the bankers working at the branch all live locally, after all. This is irrelevant for the customer support folks on the phone, of course, which as I just said are exemplary nonetheless.