but then you have the hurdle of actually being able to join a credit union. I remember a couple years ago I was trying to help one of my clients get a credit union account (who was homeless but working) and he couldn’t get it. don’t remember the specific reason but I do know we went across the street and was able to open a scotiabank account.
It was Merdian bank so don’t know how good they are. I figuerd the credit union would be easier to work with in his case since like you said there’s no minimum fees, I was wrong.