Sounds like my credit union. I call and someone picks up the phone pretty quickly and competently. I got in as a minor, so I paid $5 for my startup share. (Adu

Sounds like my credit union. I call and someone picks up the phone pretty quickly and competently. I got in as a minor, so I paid $5 for my startup share. (Adults are $25). They’ve been giving me a $5 dividend share every year for a few decades. And charge me $0/month for a pretty full-service bank experience (not common at banks in Canada). They’re on a North American network of ATMs (Exchange & Accel) so I have pretty good coverage out of town, can even deposit cash/cheques into CDN partner ATMs. In a lot of smaller towns, you can’t bank on every big bank having a branch, but a good chance of a partner credit union.