1. Checking is NOT free here...kinda thought that was the POINT of a MEMBER-OWNED credit union. I can get free checking at a bank with locations all over town and not be restricted to the few locations this institution has.
2. Central Phoenix location is a pain to visit. Garage parking is a hassle.
3. No Saturday hours at Phoenix branch...too inconvenient.
Yes, the tellers are very, very nice. Rates are a little better. But all in all, I have to PAY for my own checking account, I can't access my money on Saturday and it's a hassle to go there. I might as well use a bank!