We opened a credit union a few years ago because they offered interest checking. Our bank does not. However, we still havenʻt made the switch because itʻs a pain! Pros for our regular bank are there are locations everywhere, including some open on Sunday, and long and late hours. Like you, I have direct deposit, plus several bills that are automatically deducted. Our credit union doesnʻt open until 10am, which I donʻt like. They are partnered with national bank so we can use their ATMs and not get a fee. For the last few years we have been using our CU as a savings vehicle. We put in money for things like vacations that want need to save for. When we go on vacation, we use the CU debit card to pay for all our purchases. Also, both our children have their savings account at the CU. I really should look into switching over!
DS 10, 5th grade
DD 8, 3rd grade