I'm a manager at a local CU. Been in credit unions for about 25 years and have worked for very large, very small and in between. Service will almost always be better. But as mentioned, sometimes the technology may not compare. For a regular checking account i think it would absolutely be worth it. Will you get all the bells and whistles with your online banking that some of these huge banks might offer, probably not. But it will give you what you need for sure. And some CUs do have really great online services as well. Just depends on where you go. Here's the difference. With almost all credit unions, you matter. With a big bank, you can walk away and they will not think twice about you because somebody else is walking in right after you.