If you are keeping paper money it in itself is so fragile and easily stolen or lost or burned. If you had not been in an apt. I would have suggested a backyard plan that an eccentric millionaire used - he distrusted the banks as did many after the Great Depression. Jokes about matresses and mason jars also refer to this. Many Russians are now doing a mattress plan.
Banks are getting creative with more fees, processing checks so that they can get a great bounced check bonuses and adding on expenses for any acct. that dips below a certain amount. I keep after our few accts. to make sure they never go near a low number because they can spring on you a new 'maintenance' fee and you could be overdrawn without even writing a check.
I am surprised a CU may have done something you do not like - they tend to be better with their treatment of customers here.
Some people (some survivalists) do not want their assets tied up in a bank in case of disaster. They keep gold/silver coins which are more sturdy and some cash.
You can keep cashing your check and use money orders to pay bills. And use your cash envelope system for bill paying which is also used by a lot of people now.
you might be happier with a CU that has given trustworthy service to other people - ask around. If you have your months of savings built up I just don't think it a good idea to have all that in cash in an apt., plus you do lose interest as on poster mentioned.
Minimally using basic services from a CU you can like might be the best compromise.
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