I have been with this credit union for years. I am now a senior and whereas they used to give checks free, they now charge more than what you can get online. And they charge you or take from your savings if a charge is pending and not actually there yet. They were very good though when someone used my account on two (2) occasions in two (2) consecutive months in reimbursing my funds and overdraft fees. They will not give me a credit card or a loan. Which I have tried. I have had bankrupties but, even before then. BUT another credit union out of town gave me a car loan and others gave me credit cards. You'd think they would knowing I have auto deposit and they know where to get the $. Customer service for the most part is excellent.