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I went through a somewhat similar nightmare with Citibank years ago, which prompted me to switch to a credit union. I've never regretted that decision, they've been great:

- There's real, trained staff both at the branches and manning the phones. They have the authority and motivation to sort out problems for you.

- I can use almost any other union's ATM with no fee, they're in a cooperative network, I don't even have to get a refund.

- I know my deposits are funding straightforward loans, not financial shenanigans or empire building by bank CEOs.



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