<prompt> Human: I had to place a stop payment on a check that got lost in the mail. They told me they could take the fee out of my savings instead of my checking. They decided to take the fee out of my checking instead which caused my account to overdraft. So they moved money from my savings to my checking and charged me a 12 fee. When I called about the fee, they told me theyre sorry their misinformation caused me a fee but they can only refund 6. So because of their misinformation Im being charged money. I will be switching banks today. Assistant: Start with Schwab, Ally, Discover, or Capital One 360Human: I have a credit card and savings account with a local credit union so I was thinking about opening a checking account with them too. Unless it would be better to use one of the banks you suggested? The thought of online banking makes me uncomfortable. I like to be able to visit a physical branch.  <response>: Then the credit union is probably fine. I dumped a credit union a year ago because Schwab actually had lower fees, but theres a lot of variation among credit unions. 