<prompt> Human: I have a bank account, but Im wondering whether i should switch to a local credit union. I heard that Credit Unions usually offer better interest rates when it comes to loans, and has superior customer service. But o havent heard any of the perks using an actual bank.  <response>: Banks usually claim larger number of branchesATMs, and wider number of servicesproducts as advantages. You definitely need to see what works for you.As a satisfied credit union account holder, I know that my CU has inconvenient location of branches, but makes up for that by having fee-free ATM network, so I usually get cash at CVS drugstore ATM, cash back when I use my debit card at supermarket or other locations, and use their excellent online banking for most other transactions -- including check deposit by smartphone. When I opened the account, they didnt have online banking and so I only used them for a savings account and had my checking account at a bank. Husbands CU has no ATM network, only does car loans and mortgages, no credit or debit card, so we dont like that CU. 