Comment by JumpCrisscross

> They are almost uniformly better for individuals than big banks

The American financial landscape is too diverse to accommodate such sweeping statements. To many depositors default to the big banks. But that doesn’t mean everyone—or even most—who are under optimizing their deposits is better served by a credit union.

> people imagine a scenario where they'll need to withdraw cash in the middle of the Mojave so they need WF

If ATM access is your bugaboo, an online bank that reimburses everyonea’ ATM fees is the way to go.