I've been with my credit union for >10 years now. They are not in for profit-making, so no systemic reason(s) for upselling or fraud. They have online bill pay, apple pay, visa signature credit card with a huge credit line, more free ATMs than any bank due to their credit union network, and will refund my fees if I use a bank ATM. Oh, and I can call and reach a human being in less than 5 seconds, and the human being does not read a script. The only reason now for staying with a bank is if you can't be bothered to google a credit union near you.