I've never been treated that much nicer at credit unions than banks. My last story with a credit union - I had been with them for years, but when I have a story as soon as I ran in to hard times. I was 62 days overdue on my credit card (which was also with the credit union), and I was told the credit card department I'd deposit a check on Friday and make a payment. Meanwhile, the checking department closed my check account, and took the $10 there and applied it to my credit card. Since I had written a rent check before putting a check in the bank and finding the account was closed, it messed me up even more.

I'm about to be in difficulties with a current credit union, we'll see how they treat me as my clients keep their outstanding debts to me just a little more outstanding.