Credit Unions usually have fewer fees. One of the businesses that I work for pays me with a check from AmSouth Bank. The bank always takes my finger print every time I cashed a check there. The last time AmSouth refused to cash an AmSouth check unless I had an account there. AmSouth Bank said they would only cash the check if I paid a hefty fee. I'm glad I have an account at a credit union.
You might be able to get a credit union credit card to pay for things with. Most credit unions will give a credit card with a low credit limit. The credit card will help you establish credit if you pay on time each month.
