I used to have HFCU (heritage). They switched me to a “premium” checking account without my knowledge. Charged me $2.95 per month for it. Very antiquated practices and technology. Most banks did away with overdraft fees years ago, and you’d think a mission driven credit union would have as well, but nope. They don’t support instant transfers from things like Venmo or Cash App, even though I was paying $2.95 per month just to have a checking account! There were a few random days every year where my debt card just didn’t work. I’d call them and it’d be some sort of “issue” they were having causing outages. Every 6 months or so, their website would be down on a Saturday for “scheduled maintenance”. Very inconvenient if you wanted to literally just check your balance.

I use a big nationally known bank now. No random outages. No overdraft fees. Free checking account. Instant transfers supported.

Wish I could say my credit union experience was better.