I'm sorry to hear that, but usually there is more than one credit union in an area -- did they all have this hang up?

I'm fine with Chase and other national banks existing, but I think a lot of their scale (and corresponding ability to perform misdeeds) is predicated on the fact that people (ex. college students) go there FIRST. The defaults need to change.

I had this happen to me as a new employee of a major company with its own private CU. I moved across states and needed a new local bank. Applied at the branch in my office and a few days later got my dollar application fee back. Their shortsightedness was astounding.