I'll start by saying that I hate banks! I never used them up till a year ago when I took a job that did direct deposit only. I went with Forum CU and can't say I've ever really had a problem till yesterday. I went in to see about being able to up the amount of money I can get from the ATM from $200 to $500. Nope,my credit is not good enough. It seems that since I don't have great credit I can't be trusted to withdraw more than $200 of my own money out a day.They were kind enough to offer me overdraft protection for up to $500 though. So, I can't withdraw more than $200 of my own money out but I'm more than welcome to borrow up to $500 for a store purchase.