[Sailor Steve]

I would have to say yes. There are banks that have learned the lesson and try to work with customers, but on the whole CUs have them beat.

My story: I was with a bank for years that treated me well. They got bought out by a larger regional bank, and things still went well. I started having financial difficulties and they worked with me to sort out the problems. Then they got bought out by a National bank and suddenly I couldn't survive at all. I would be right on the edge and budget myself so I had only a couple of dollars left until my next paycheck, accounting for one charge still outstanding. Then they would apply a fee of $3 or so for some transaction, and it would put me below my balance, and then I would get a $30 overdraft charge, and then the outstanding charge would bounce because I suddenly no longer had enough in the account, and I would get another $30 overdraft charge.

I figure they took more than two thousand dollars out of my account over ten years or so before I finally saw the light.

I have a friend who got a serious overdraft charge from his bank because they moved some of his money from his checking to his savings, right as he made a big purchase.

And he's a millionaire. Took months before they finally admitted it was their fault.

I don't know about all of them, but I love my credit union.