The Reddit Union is basically Alex K and a bunch of other smart people. This is not that, but they are definitely nice people, for sure. This place is way, way, way better than any bank. They’re totally on the level and won’t nickel and dime you. They’ll provide you with most of the services at a fraction of the cost, and will deal with you personally and respectfully and as if you are family, if anything goes wrong. Some of their advice in terms of foreign travel wasn’t so great, but they still get a glowing 4 stars, which, if you know me — is insanely high for me to give to a financial institution.