<prompt> Human: I am thinking of switching from a small credit union Keypoint and switching to a bank. My reasons are: 1, to have easier access and more convenience with the services provided. 2 To have better service, I have had customer service issues with the credit union. 3To become more financially independent from parents.I was unsure if these are good reasons to make a switch and what would be the best bank for me to go to if i do make a switch.  <response>: Dont worry so much about bank or credit union - find an institution that can meet your needs. Every financial institution is structured differently - some are thrifts offering inexpensive products and catering toward the needs of moderate income clients, others lean toward wealth management and business banking typically tying incentives to your investment with the institution. If youre just starting out, youre likely in the first category. What are your primary needs? Deposit accounts savings, checking? Access to lending products auto loans, credit cards, mortgages, business loans? Electronic services online banking, bill pay, mobile deposit, ATM access? Ancillary services safe deposit boxes, investmentfinancial advisory services, notarymedallion services? Make a short list of the things most important to you, and then start shopping. Ask for fee schedules - every bank and credit union has them, and you dont want to pay any if you can avoid it. Take note of the advertisements - these are the primary drivers of the financial institution. Are the products they are selling the types of products you need now or in the near future mobile access, free checking, low-rate credit cards? Or are they geared toward a different demographic retirement planning, home equity lines, commercial accounts? Youre most likely to find what youre looking for in a place that is gearing advertising toward your specific needs.Hope that helps. Good luck with your search. 