Reasons to use some credit unions. Just as there are good banks and bad banks there are good credit unions and bad credit unions.
When I wanted to buy my first house, I called the biggest local credit union to find out what the process would be like. Nobody would speak to me on the phone until I went to their web site and filled out a "pre-qualification" form that would then decide if I would be given a different phone number to call and speak to someone to set up an appointment to meet someone in person.
No thanks. I took my real money to a real bank.
Fidelity has free checks, debit withdrawals from any ATMs, easy ability to buy/sell stocks and index funds.
Their software could be better, but it's okay enough.
I'm not sure why anyone uses the other banks?
Alternatively, better banks like Aspiration, which is a B Corp, but I wouldn't put all my money on that.