I don't think it really matters whether you stay with a credit union or go with a bank. They're probably all owned by the same kind of people. I've had bad experiences with credit unions and bad ones with banks, good ones with both as well.
I currently use PC financial for my day to day banking, no real branches but I do everything online so I don't care. I also have credit, investing, and a mortgage through RBC. They always treated me ok while I had a visa card but once I opened an investing account and got a mortgage the customer service went way up.
I think customer service as a business practice overall is dying. Everywhere from coffee shops to department stores to financial institutions. I think alot of it has to do with the price driven Wal-Mart style way we shop here in North America. I know countless people who will go to a small Mom and Pop store to get all the customer service/information/advice they want for a particular item and then go buy it at wal-mart because it was 10% cheaper there. I think this kind of consumerism makes providing customer service feel like a waste of time to many stores/institutions. You seem to get a "why bother, they'll just go to whoever can beat us by a buck" mentality.
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