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Most people think that banks just won't help them out. Often times if you call or go to the branch and talk with a manager, you'd be surprised how much they budge. You can get your fees lowered or even dropped completely just by having a short conversation. I would think the chances would be even better in the credit unions. So go to the CU and have a little chat with the manager before making a decision about another bank.. what's the worst that can happen?
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