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Here Here, ghostriter! Credit Unions are the only way to go for personal banking. For many years I was a Wells Fargo customer. When I found out that I met the qualifications to join Kern Schools FCU, I did it immediately. When I went in to close my accounts, the bank manager asked me "Why are you leaving us for a credit union", and I sad "Because I can." She was so impressed with my honest answer, she waived the account closing fee. (Another reason to avoid banks.)
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