I bounced the Rat Credit Union after noting they were whittling my savings down montly *even though I had made a transaction during that year on an attached checking account... and they didnt even try to make amends.... or keep me as a member.. was basically told Sucks to be you, no "make a deposit and we will credit you some of the inactivity fees on the savings". sent me the docusign in less than 5 min after the phone call and sent it back and was closed within the hour...
-J