I guess it depends on the credit union. Our credit union charges no fees and until the recent atm charge changes you could get money out from wherever for no charge. With the no changes, we get $100 worth of 'credit' per month that pays the atm charges. Only if we use all these, do we have to pay.

Our credit union passes on all interest rate changes (unlike the big banks).

It annoys me how we get charged for service that banks/companies are meant to provide. To get a paper bill, they charge you. To pay the bill (non-direct debit) they charge you. To use a credit card to pay a bill, they charge you. And then there is cost of bill + GST...... Banks charge you to get money out? The more money you have/can deposit (the richer you are), the less you get charged. huh?

It pays to shop around. If your bank works better for you than the credit union, stick with it. And next year, do another shop around and see if circumstances have changed. Gotta do it, because big business ain't gonna tell you if they are ripping you off.