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AA>> I already refuse to step into the credit union to make regular
  >> deposits. There is a fee for every deposit - and the physical
  >> cash portion has a supplemental "handling" fee of its own now
  >> too! - so, now I tend to pay my bills in cash where I can.

MP>In the states, there are fees for using the automated teller machines to
  >make withdrawls (if you are at a bank that isn't your own) but, to my
  >knowledge, they've yet to start charging fees for *depositing* money into
  >the bank. I figure once they find out that Canadian banks are getting away
  >with it, it is only a matter of time.

Credit Unions are a bit different than regular banks, and likely all
have different fees for various things. I have accounts at 2 major
banks and I never get any fees for anything (as long as I don't do
something dumb like bounce a cheque or something).

Being involved in several services (usually 3) at a bank will
often get even the regular monthly fee for the account credited
back to you, like if you have a chequing account, a savings
account and an investment account or a line of credit account.
Possibly they count having a bank credit card as well..

I can even wire money to people with no charges.

Using bank machines at the bank are free of course but, like
with you, if you use a machine not linked directly to your bank
there is a transaction fee.

There are can be advantages to Credit Unions as well though.
They often treat you like more like a neighbour than a customer
and I've seen people turned down for a loan at a bank, get one
at a Credit Union.

Funny story.. I bought my first car with a loan from a Credit
Union, co-signed by my parents since I was only 16. The next
year I went in to see if I could get another loan so I could
buy a motorcycle. I told the manager that I didn't think I
needed my parents involved since I had a good past record of
making payments and he hesitated but then gave me the loan.

I never thought about it until later but I was only 17 at the
time, underage to sign for a loan on my own..  (18 required)

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