Aside from pirate, sheriff, alain, cherpep, superbowl, and a few others ... churro was one that really showed the OPs the respect they deserved..
here is one of his famous motivational speeches on credit unions:
Posted by Stew on 2009-07-10
As always - - two words: Credit Union.
My wife's credit union will transfer money from any account she has with the credit union be it savings or even a credit card to cover any overdraft. And they do it for free. Yes, free. Absolutely no charge. There are no silly fees, no silly games, no "gotcha's" or other bean counter conjured up traps.
There are so many better options available today to handle your banking needs why in the world would anybody RISK doing business with one of these big unscrupulous national banks.