<prompt> Human: Ive noticed that credit unions can have higher rates - some checking offer 3 and above for 10k balance, others similar for savings accounts. Why would I NOT do this?I dont need frequent access to ATMs or to deposit cash, and Im happy to eat the 5 donation to open an account where I dont need the membership criteria for a high rate.This feels like a no-brainer but my gut is to question something that feels so obvious. Advice please!  <response>: Because Janet works there and she will talk your ear off every time you go in. Youll keep a separate Janet Calendar where you log her days off to try to get some peace. You honestly dont care about her Grandson and how smart he is. 