<prompt> Human: Ive always been somewhat satisfied with Wells Fargo. I havent read anything particularly damning about them, so Im not sure why I should leave.Additionally, I dont know what the advantages of a credit union are. So, I dont know how to pick a good one.Finally, is it possible to find one where I can still use a universally accepted debit card, like I can with the Wells Fargo Visa debit card?  <response>: You dont have to join a credit union. Charles Schwab reimburses all ATM fees world-wide. 