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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)   
      
   ---   
    * SLMR Rob  * The one who dies with the most Taglines Wins!   
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