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[quote=FPYCparent]I have to challenge the notion that a credit union isn't a good solution.  I got my first CU account early on in college and I'm still a member today (... 30 years later).  The closest branch to this Richmond-based CU is still nearly an hour's drive south from NoVA and I've had no issues.  I went to grad school out-of-state, again with no issues.  I joined a second CU (local to NoVA) after getting married and our kids now have accounts there.

With online banking, I've never had any issue that couldn't be easily resolved.  I think I've needed an in-branch service maybe once every three or so years, and I've used the CU service center option a few times over the decades.

The only non-CU financial service I've needed were my home purchases (one condo and then a later upgrade to SFH).  Each time, I went through a mortgage broker, which ultimately did not involve a "national" bank or any institution where I had previous experience.

As far as I am concerned, I think a credit union can meet your stated need.[/quote]

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