<prompt> Human: Hey everyone!Title says it all. I know pretty much the basics of creditdebitsavingscheckinga. I just had a few more specific ones.What bank do you personally recommend? Do I need one honestly? Would I be better off with a credit union? Currently I am a member of USAA because of my parents but would i be better off with a different bank? I know everyone has their own opinions and whatnot, but I didnt really grow up with advice on much of anything concerning this. My parents have bad credit, but Im more than aware of how to avoid it.Also, any general tips? sorry in advance if any questions could be solved via Wiki!  <response>: In my experience Creidt Unions are superior for everyday banking needs. In 12 years of using them the worst thing I can say is that I was once put on hold for 5 mins. 