 TITLE: What Is a Credit Union? CONTENT: What Are the Disadvantages of a Credit Union?\n---------------------------------------------\nCredit unions may not offer innovative online or mobile banking features the way traditional banks do. That could make it harder to deposit a check on the go, for instance, or to find your closest surcharge-free ATM.\nThe availability of these features depends heavily on the credit union, though. Some have attracted members who prioritize the convenience of online banking by investing in technology. Check to see whether your chosen credit union has a mobile app and look up its user reviews on iTunes or Google Play.\nIf you prefer to visit physical bank branches, you'll likely have fewer options as a credit union member. But look into whether your credit union is a member of a larger network that you can turn to when you're outside the local community. END