As you said, not everyone can open a CU. I am one of those who cannot.
My home city bank allows for bill pays, however, theirs takes 10 days, I need something faster than that and something with a better layout then theres anyway. That is a personal account, and I need to open another account for business purposes. I do not want to deal with some local city bank, it always causes issues. I prefer to work with a bigger bank that can do transfers faster and more efficient.
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