I USED to bank with a CU, but ended up switching to a bank because I needed a branch near where I lived. I really liked the service I got, and that as a poor college student they offered a checking and savings account with low minimums (and a credit card, which I guess could be good or bad depending on how you look at it). I think I just had to keep $50 in the savings and I didn't have any fees. They had okay online banking services. The only reason I switched was because I didn't have any option for direct deposit at my employeer and the branch location was incredibly difficult to get too.
