<prompt> Human: My brother keeps insisting for my S.O and me to open our joint checking and savings account at a credit union. We have chase and never had a problem but its only checkings. Do any of you bank at a credit union and if so what are pros and cons you have encountered vs a big bank like chase, bofa, and wells fargo  <response>: Dont limit yourself to just banks or just credit unions. One is not inherently better than the other. Just look at them all as financial institutions. Go with whichever financial institution that can meet all your needs. Also, theres no rule that you can only have s relationship with one bank. You can easily have accounts with multiple institutions to take advantage of the strengths and weaknesses of each. 