Local Credit Unions are at this time probably the safest bet for looking to deposit your cash or possibly taking out a loan. Huge banking corporations are starting to falter under the current economic strain, so hidden checking fees and other hidden fees are starting to rise up. Another issue with this economic burdening is loans are starting not to be given, especially to those who deserve them. Whether your credit is in the low 500s or is near-perfect you may not get the loan you may need. During these times you may want to seek out Local Credit Unions as they are most likely the safest and most secure for any financial transaction you may need to make. The great thing about Local Credit Unions is in the name itself, they are local. No need to go to another city or town trying to find an ATM when you can stay within your city and do all the transactions you need to get done. If you have a problem with any transaction with your local credit union you can be sure that when you make a phone call you will get someone from your area, not somebody in another state or even another country. Unfortunately big banks are trying to cut back on costs so they move their call centers from America to countries that have workers who they pay a lot cheaper.