<prompt> Human: Hey all. I have followed this sub for a while and read many postscomments, but not contributed much. I have often seen people recommending Credit Unions over banks and yet more people just simply hating on banks altogether. So Id like to gather a lot of opinions on why people think credit unions are superior to banks, or why I should not use a banks. Alternately, if anyone wants to side with banks over credit unions, Id love to hear why from you too.I understand that banks are huge, profit mongering machines and people tend to hate their ethics. But they do exactly what I want them to do and often with cheaper rates and better services than credit unions. I currently use Wells Fargo I know, bring on the hate, but want to know if there are things I just dont know.  <response>: I mean, some people think CUs are more ethical. But at the end of the day I just go with whomever gives me the best rates and the easiest access to my funds. Lowest cost as well. So, for me, Thats Chase as my primary bank live in NYC and have never paid a single fee to them, Capital One 360 for my international debit card HY savings. I still have a Capital One Checking account from when I went to college in DC and an old savings with Citi that my parents made for me when I was 8 that Ive been meaning to close. 