I used DECU because someone in indoc plugged them. I had a checking account and a mortgage with them, both are closed now. They sold the loan instantly when I closed and the servicer SUUUCKED. Not their fault but the servicer couldn't get my principal only payments right. That made me appreciate being able to walk into an office and pound on a desk. DECU washed their hands of the it when they sold the loan. The mortgage was refi-ed to a local bank when rates went down. When I went to refi they weren't even in the ballpark. With direct deposit the checking was supposed to be free but I started getting fees and when I investigated they said they "upgraded" my account. Some TOS email I ignored apparently.