<prompt> Human: I havent used a bank, just a credit union for the past few years and have had zero issues with them. I feel like I have been treated completely fairly.After readinghearing the horror stories about dealing with some of these behemoths I am genuinely curious what the draw is? What benefits am I missing out on by not using a bank?  <response>: After readinghearing the horror stories about dealing with some of these behemoths I am genuinely curious what the draw is? What benefits am I missing out on by not using a bank?Credit unions are not inherently better than banks, and vice versa. People with a need for banking services should decide on what services they need and find who offers them for the lowest cost. Some credit unions are awful because they cant take advantage of economies of scale like big banks can, some banks are awful because they are profit hungry. It just depends. 