Boy have they really gone downhill. Tellers are still nice, but now they have ticky tack fees for everything just like you'd expect at a big bank. And, paying a fee just for checking is not something I expect from a credit union, especially when there are banks out there now that offer TOTALLY FREE CHECKING (Washington Federal, First Bank and my favorite Bank of Arizona to name a few.) Also, some of the more personalized services they used to offer, they just don't anymore (calling you with issues on the account, etc.) so why bank with a credit union (which has more limitations) when there are no additional benefits? That's why I left.