Never had a problem with my credit union. In fact I financed both cars with them even tho the dealership could offer a slightly lower rate, just because I know I wouldn't have any hassles. I don't know why people pay fees for checks etc. When most Federal Credit unions all have free checking, I can withdraw cash from any Federal Credit union without paying any fees. In fact the credit union near where I work is a totally different bank, yet I still pay my checks in there and do all my banking there.

BoA are just in the game to make money. If that means stiffing as many customers out of $35.00 overdraft fees, they don't care.