Why anyone is still with a bank
It’s not that difficult of a concept. Credit unions have a lot more restrictions than banks. At the end of the day I use a bank because they offer me services that are beneficial.
For example finding an ATM for your credit union is a lot harder than finding an ATM for your bank.
I have both a bank account and a credit union account. They serve different purposes.
I use my bank account for direct deposit and paying bills. My savings is at my credit union.
If I need cash quickly I go to my bank. If I need to stuff money away and not touch it for awhile then it’s my credit union.