<prompt> Human: Ive been with Wells since Ive started banking 6 years ago. Its always been something, always. Overdraft here, fee there, some issue here, and so many annoying Well setup a meeting with a banker right now to talk about those accounts. No I just wanted to deposit 20 buzz off.Ive always liked Wells Fargos ease of access, ATMS everywhere, branches everywhere incase of emergency, and the online handlingapps do work well.But after all the recent news I am reluctant to continue with them, even more so once I start making more money, they were always dipping their hands in my pockets when I was poor. Lord knows how worse it gets when I am making more.So whos a good alternative? People say credit unions, but I honestly have no clue how they work.  <response>: People say credit unions, but I honestly have no clue how they work.From a practical sense, they work the same way a bank does. You go in, open a checkingsavings account, deposit your money, etc. The main difference is that they often have requirements to be able to join - like living in a certain area, being a member of a military branch, or whatever. There are tons of them and its pretty simple to find one you can join.In my experience they also tend to have better employees and service. Since they are member owned, you also get special dividends every now and then.Many maybe even most credit unions are also part of a nation-wide co-op of credit unions, so when you are traveling you can pop in to a co-op credit union to do basic banking things deposits, withdraws, no-fee ATM use, etc. Many credit unions even offer ATM fee reimbursement.Ive been with my credit union since I was 3 years old and my parents opened up a tiny savings account for me. They havent done me wrong yet. My wife used to bank at wells fargo before we got married. She hasnt missed anything since switching to my credit union. I doubt youll miss anything about wells fargo if you switch to a credit union. 