The credit union network requires them to set limits. If you get ahold of a decent manager they will increase your limits especially with a regular direct deposit.
I definitely wouldn't change my shooting patterns, especially since you aren't out shooting all hours of the night. I would wait for the person to talk to me directly so we can work out some sort of compromise.
Hey there. I am new to the area, not to firearms.. although I haven't owned a firearm in a few years. Picked up my new Beretta this evening and my FFL spoke highly of this forum.