<prompt> Human: Are they really as great as this website makes them out to be?Tell me about troubles youve had with your credit union.  <response>: Bad onlinephone service. Heres my actual experience, be the judge for yourself:B of A account: 400 stolen from my main checking via fake Visa check card my info was stolen from a website that got hacked, I even got a letter from the hacked company warning me. It was too late and they went on a spending spree. B of A gave me the money back in under 24 hours and canceled the card. They mailed me a new card and I had it in under 3 days.Credit union: 150 was charged to my account possibly someone stole the numbers and paid their phone bill. The only thing I could think of was it was used at a bar one night. The credit union would only freeze my card. They didnt mail me a new one, I had to go in to the branch personally. Heres the thing that pissed me off: there was not only no automatic re-credit, there was also no online form to fill out. I had to download and print a copy, and snail mail or fax ughhh the form to them. I got the money back in about 1.5 weeks after snail mailing the form.So, if you like online and automatic forms, etc and hate going to the bank like me, Id say B of A would be a better option. 