I use a credit union and love it
the problem came when I moved 250 miles away from my credit union
I have lived here for 8 year now and have never found a local bank or credit union to use! I have opened accounts and have been charged fees for no reason ,
my kids savings account dinged every month for 3 dollars each, credit union that wont allow 3rd party checks deposited to my account despite they fact they the are only for pidley amounts and my account balance being way more than enough to cover them
so I have no local bank at all and bank through the mail and online
If the amounts of money are real small I would just keep it in a envelope or a wallet ,and pay bills as soon as you can that will keep you from getting late fees and will limit your cash losses if you lose your money
I often have hundreds in cash in my wallet and have never lost money ,I recount my cash and have a running list of how much I have
I know many people cry they will lose the cash if they had or foolishly spend it all in both cases you have to just be careful and be accountable to yourself if you can not lose a child you should be able to not lose 50 bucks wouldn't you agree?LOL
when you get to a place where you are dealing with larger sums of money revisit dealing with banks
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