Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Advantage of credit union or local community bank over larger nationwide banks such as BOA, Chase, etc.?
Don't switch just because you hear people panicking on the talk shows. Banks are competitive business and won't start charging for using debit cards too fast. If and when they decide to do such a thing after all - then start shopping and see who doesn't catch up with the fees and still provides the services you want for the price you're willing to pay.