Anyone have banking thought them? Our Credit Union is driving us nuts. They've been great for years, but merger after merger has occured, and this last one seems to have thrown the baby out with the bathwater. We have our vehicle loans through them, and about every other month, we get notice that we apparently aren't carrying insurance. We call insurance, they fax the goods over show we do (and have been), and we call back to confirm all is good....which it is until a couple months later and we go through the same runaround. We've had the same insurance for years. Our agent has stated that it's gotten insane since the merger, that they spend a lot of their day now faxing over confirms to the bank, repeatedly, when there is no lapse, and hasn't been a lapse. I had an issue a couple months ago where a bank employee apparently decided that my debit card shouldn't be accessing from my personal account, but rather our joint account. They didn't bother to tell me this, they just did it, and of course right when I do our monthly big shopping. Got hit with a slew of overdraft fees while the funds were in my personal account. Called and got it figured out (and they found out the name of the employee) but it was annoying. Last week, I noticed I didn't have enough funds to fill up on gas, so I transferred them from our joint savings. A couple hours later, I see they have returned my DISH payment, and have racked up a bunch of NSF's for things that already cleared. Called, questioned it, and they reversed everything, saying something was clearing weird. Waited the next day, and a few more NSFs showed up, again, for things that cleared through. My account never went negative at all. The bank person couldn't tell why it was saying everything was NSF. They refunded over $100 in NSFs, but it was frustrating. Today, we got a notice that DH's loan just had $121 tacked on....for insurance. No letter, no call, just a receipt that I had to go online to decipher (and check his loan - yup - more fees). He's calling tomorrow....since we JUST sent ANOTHER confirmation of insurance in three weeks ago! So I'm bank shopping. I've heard about the ING thing, but I've not tried it, and it's mighty tempting....anyone?