<prompt> Human: Reddit seems to always recommend credit unions over banks, but that is not always the right choice. Sometimes certain credit unions can be very shady as I later found out. My experience was I signed up with a Florida credit union and had a 0 APR credit card with them. This credit union only let you submit payments via in person, via check, or over the phone. The issue with over the phone is that they charged a 15 payment processing fee on a 20 credit card payment. Another issue is if you did mail a check, it would always get lost in the mail and then they would assess a late penaly fee. Lastly if you did have the misfortune of making a late payment, the APR rose from 0 to 30. After making a phone call to pay for a late payment, i was under the impression that i was paying the balance for two months but unfortunately you are unable to pay more than one months balance over the phone because they make more money with this awful policy I paid 1 month principal instead of 2 months. This misunderstanding led to me missing one payment and being late on a second one, which led to them giving my balance to a collections agency. The collections agency had been very easy to make payments with and I paid off the balance. Unfortunately, I checked my credit score and found that while i was paying the collections agency, the credit union was marking me as a charged off account the entire time. Moral of the story: Dont just assume credit unions are good, some of them are shady scamsTLDR: Credit union tried to do everything in their power to prevent me from paying them because they made money with BS fees and shady practices.  <response>: The advice to use a credit union is similar to the advice to hire a CPA over using HR Block. Some are going to be shit but if you do your research, theyre significantly better service providers.At my credit union, I have a private banker assigned to me. I can text, call, or email him. I needed to wire 2k to a guy in Paris a year ago, I just emailed my banker and CCd my friend in Paris. My banker called me, confirmed it was me who sent the email, and say dont worry about it, hell take care of everything, and it was handled. A year prior I had to wire money out of my BofA account, I was put on hold for 20 minutes, told I needed to go to my local branch, waited in line for 10 minutes, told I was in the wrong line, waiting in line another 10 minutes, and then was told I had to come back the next day. 