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  • I opened an account with the credit union. I was told it costs $50 to open an account, but You DO NOT have to have a $50 balance at all times. The reason I opened an account is I wanted an ATM card to give to my girlfriend who lives in Toronto. I sometimes send her money, but the Western Union fees are expensive.With the card I could deposit money on the account, and she could take it out with the card. I gave it to her and told her to take $20 out for her birthday. The card didn't work, causing me some embarrassment. I found our later, the account requires $50 to be held at all times. Now either the teller that signed me up Lied, or was Ignorant. It was Not a case of a misunderstanding because I asked her 3 times, after explaining my situation, before I signed up. I also applied for a credit card, and was not offer good options. So why open an account which requires a Larger deposit than many banks, and offers less credit? Not worth it for me.
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