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1) Direct Deposits - it can take up to 2 full pay cycles for your direct deposits to properly direct to your new account. Plan accordingly.
2) Letting your payments run through. I made sure to wait a full week after running my last debit card transaction before closing my Chase account to insure all debits had properly cleared. Probably not necessary, but I felt better about it.
3) Make sure to cancel or re-direct all automatic payment systems to your new account. If you're like me and use these services, this can be a bit of a logistical bear. But it's nice never having to remember to pay a power bill.
I chose Unitus Community Credit Union for a few reasons:
1) They have an interesting rewards program on their checking account. You earn points for using your debit card as a credit card (1 pt. per dollar). These points can be redeemed towards airline tickets, consumer products, gift certificates, etc. If you have a credit card, points on that card are doubled.
2) Checking account is interest bearing.
3) Interest loan rates are low.
4) Excellent customer service. I phoned many times before deciding to switch. Prompt, friendly and "real" people.
5) They have many Oregon locations (some with weekend hours).
6) Out-of-network ATM forgiveness plan up to $12 per month. Basically, if you use an ATM outside of the credit union cooperative, up to $12 of feers are forgiven each month. Very cool!
7) ATM services at 711 through the 711 banking kiosks.
8) And finally, Unitus, unlike Rivermark and Advantis, DO NOT charge for depositing/counting change. It's rather silly, but this was what sealed the deal for me.
The downside is that their website, iPhone app and online banking system are a bit lackluster. They're totally useable, but don't expect the same level of online service you'd get from a National bank. Their website did have an interesting feature for search on the CUDL network for car dealerships. I was able to find a car for use with my preapproved auto loan in minutes. The whole car purchase was painless.
Right now I use Unitus, and I just want to +1/Like what Fruit Cup said about them. I've been quite pleased with them since I moved back to Portland about three years ago, and have less than no desire to ever join a "real" bank.
A few weeks ago, I was taking care of the banking for my store (who banks with BoA), when the teller asked me about my personal account. I told him I wasn't interested, but he just had to push it. So I told them how (long story short) BoA fucked me out of about $400 five years ago so I ragequit, and his reply was "Well a lot has changed in five years!" "Well $400 is a lot of money!" And then he continued to push it! So I told him I would think about it (with no intention to do so) but I was happy with Umpqua. "But that's a small bank." "Yeah, that's what I like about it." Jerkfuck.
What BofA is doing by raising their fees is reducing the chafe and the flotsam of their poorer customers, which cost them more money to support. They know EXACTLY what they are doing raising fees: legalized lower-class cleanup.
Having said that, most of these Credit Unions have abysmal online setups, and I wouldn't consider them until they offer more features. Let me know when a Credit Union has dual-factor authentication for online banking.
There are a number of credit unions with online banking that is comparable to their larger, for-profit brethren. It just takes a bit of research and education on the consumers part.
I'm in the process of wrapping up my relationship with Bank of America after being a customer for nearly 20 years. Cannot wait until everything is done! It's probably on par with divorcing someone.