If You need to use financial institution, use a credit union.
Credit Union's operate differently and under different rules than banks. Unlike banks they can only operate with the money that they have on hand.
Must credit Unions arent nationwide however but there are a few exceptions.
My absolute biggest recommendation by leaps and bounds would be Navy Federal credit Union but you can only open an account there if you or a spouse, parent, or grandparent served in any branch of the armed forces.
Fyi...the CO-OP atm network links all credit unions nationwide. If you have online account access and any credit union atm nearby you can manage your Credit Union account from anywhere. I have done so for nearly 4 years with no issues.
No one should be using any bank.
If You need to use financial institution, use a credit union.
Credit Union's operate differently and under different rules than banks. Unlike banks they can only operate with the money that they have on hand.
Must credit Unions arent nationwide however but there are a few exceptions.
My absolute biggest recommendation by leaps and bounds would be Navy Federal credit Union but you can only open an account there if you or a spouse, parent, or grandparent served in any branch of the armed forces.
Fyi...the CO-OP atm network links all credit unions nationwide. If you have online account access and any credit union atm nearby you can manage your Credit Union account from anywhere. I have done so for nearly 4 years with no issues.