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I'm in SoCal and I've tried everything - BofA, smaller regional banks, online banking (USAA), and credit unions. Love the credit unions for a few reasons:
1. Shared services so you can go to other Credit Unions, not just yours, and not get charged a fee.
2. Customer service, customer service, customer service.
3. Not supporting the big banks which I don't necessarily feel look out for its customers.
My membership requirement to join the CU near my work - I worked in the area. A lot of the CUs are making membership requirements easier and easier.
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