With the rise of online-only options and mobile banking apps, competition among banks and credit unions has grown fierce. Most banks and credit unions now offer convenient features, such as mobile deposit, online bill pay and easy online account access so consumers no longer need to worry about banking during traditional business hours.

In addition to traditional savings and checking accounts, many banks offer loans and credit cards for customers. Using one bank for all of your financial needs can be a convenient way to stay organized and reach your financial goals.

Top 10 Most Reviewed Banks & Credit Unions

Merrick Bank was originally founded in 1997 in South Jordan, Utah. The company is FDIC insured, and specializes in settling credit card transactions and clearing payments for consumers looking to improve their credit rating.
Bank of America offers banking options, mortgages loans, consumer loans and credit card services. Many of their cards have special features such as cash back rewards, travel rewards and zero percent introductory interest rates.
Chase Bank offers a variety of financial services, including specialized business and personal credit cards. Their Slate card includes a free monthly FICO score, and the Freedom card earns one percent cash-back on all purchases.
Wells Fargo offers many financial services that help make banking easier. Wells Fargo Conversations magazine helps users learn about investing and other financial topics. The company's credit cards include a variety of perks.
U.S. Bank offers online banking services with bill payment and mobile deposit options. They also offer checking accounts, savings accounts, traditional loans, investing options, credit cards, credit lines and home mortgages.
Credit One Bank is one of the leading issuers of VISA cards in America. They are located in Las Vegas, NV and focus on working with people who have been overlooked by other credit companies because of less-than-perfect credit.
Citibank offers several credit card options, including the new Double Cash Card, which gives customers one percent after a purchase and another one percent when they pay their balance. Cards are also compatible with Apple Pay.
HSBC services include checking and savings accounts, loans and mortgages, investment and retirement accounts and insurance options for individuals and families. They also offer business services to small and large companies.
PNC Bank offers banking, investing and borrowing options to individuals and businesses. Their Virtual Wallet tool lets users keep track of their financial situation more easily by giving you an instant snapshot of your accounts.
Fifth Third Bank was founded in Cincinnati, Ohio in 1858, and it is a company focused on branch banking. The company also offers unique services like payment processing and title insurance, in addition to investment advice.

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

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What features matter most?

Online banking

Technology is ever-evolving, and today's customers want to access their banking information online and on the go.

  • Account access: At a bare minimum, consumers should look for a financial institution that offers activities such as reviewing the accounts, ordering checks and transferring money between accounts online.
  • Mobile banking apps: Consumers with a smartphone, may want to take advantage of the mobile banking apps for check deposit, bill pay, money transfer and general account access on the go.
  • Online bill pay: The convenience of paying bills online, allows customers to quickly pay their bills with the touch of a keystroke.

Fees

Hidden fees can make for nasty surprises on a monthly statement. When choosing a bank, especially a checking account, understand fees before signing up.

  • Minimum balance: Some accounts require customers to maintain a minimum balance at all times to avoid a monthly surcharge. Others waive these fees for those with direct deposit and/or for student accounts.
  • ATM: While most banks and credit unions allow customers free ATM use, consumers may be charged a few dollars per transaction when using an out-of-network ATM. Out-of-network ATMs may result in a dual charge, one from the customer’s bank and one from the ATM owner.
  • Withdrawal fees: Some types of accounts limit the number of free withdrawals or other services. Once that minimum is met, future transactions can carry a small fee.

Interest rates

When borrowing, the consumer’s credit score is a determining factor in the interest rate. When opening a savings account, customers can request the interest rate structure in advance. Rates may vary by institution and credit unions occasionally offer higher saving and lower lending rates.

  • Loans: The interest rate makes a significant difference in the amount of a monthly mortgage or auto payment, so it's important to shop around for a bank with low interest rates. In addition to considering interest rates, customers should investigate fees and points associated with generating a loan.
  • Accounts: Most interest-bearing checking accounts require a substantial minimum balance, but savings accounts often come with no-strings-attached interest payments. In today’s low rate environment, the interest payments are low. Yet, money deposited at a bank or credit union is easily accessible for withdrawal and insured.
  • Revolving credit APR: Consumers with bank credit cards need to be aware of the interest rates charged on the card’s balance. These interest rates can be quite high for consumers that don’t pay their bill in full at the end of the month.
  • Branch access: Retail branches are important for those who want to purchase cashier’s checks, cash a check made out to them or simply interact with a bank employee. Consumers who prefer branch access should investigate the proximity of bank locations.
  • Convenience: Some banks are regional, and the proximity of branch locations may vary. For in-person banking, customers should check out the location of the closest bank branches. For convenience, and to keep fees low, customers should check on the ATM locations as well.
  • Customer service: Banking is a customer-driven industry, and the financial institution should offer easy access to knowledgeable customer service representatives. Find out when, where and how to contact the customer service representatives—by phone, email, online chat and/or in a bank branch.
  • Service hours: Given many customers’ busy schedules, should be aware of branch, phone and electronic communication hours when choosing a bank.

Security

More and more banks are popping up, and it can be tempting to jump on the bandwagon and take advantage of new customer promotions. However, consumers must read the fine print to make sure the bank is insured up to the legal limits and that the website is equipped with the highest security levels.

  • Federal Deposit Insurance Corporation (FDIC): Created in 1933, the FDIC is an independent agency that ensures the security of depositor's funds. The FDIC typically insures accounts up to $250,000.
  • National Credit Union Administration (NCUA): The credit union's equivalent of the FDIC, the National Credit Union Administration regulates credit unions and protects consumers. This insurance typically covers balances of up to $250,000 per share owner.
  • Encryption software: Stolen personal identifiable information makes it crucial for banks to utilize more sophisticated security measures to protect your accounts. Many banks have moved to a tokenized and end-to-end encryption to help protect consumer funds, so consumers should look into banking with an institution at the forefront of security technology.

Financial services

It's easy and convenient for consumers to take care of all banking needs in one place. It’s a good idea for customers to look for banks or credit unions with a wide range of services for now and the future.

  • Loans: Auto and home loans are fairly standard, but one might also need a home equity line of credit or personal loan. When borrowing, consumers should read all the fine print to avoid extra charges or fees.
  • Credit cards: Most banks offer a range of credit card options from debit to secured credit and everything in between.

Certificates of Deposit

CDs are similar to savings accounts in that they pay an agreed upon rate of interest on the deposit amount. They differ from savings accounts in that they are issued for a specific length of time. Some banks offer higher rates of return and products that allow the customer to withdraw the funds early, with limited penalties.

    What are different types of banks and credit unions?

    Credit unions

    Credit unions are not-for-profit financial institutions created to serve their members. They typically offer the same products and services found at a bank.

    Investment banks

    Investment banks are typically business to business banks. These institutions specialize in large and complicated financial transactions such as underwriting a new stock issue. Some investment banks also have retail arms that cater to the public.

    Retail banks

    Also known as consumer banks, these are what most people think of when they picture a bank. Retail bank’s services and products focus on the individual consumer with local branches, ATM access, auto and home loans and more.

    Commercial banks

    Retail banks deal directly with the retail customer. Most banks today are broader in scope with several divisions representing their client base. The commercial banks encompass both retail banks and all other types of banking activities except those of investment banking. A commercial bank accepts deposits, provides loans and offers investment products for a range of clientele. Historically a commercial bank is a brick and mortar operation, however, today there are online commercial banks as well.

    Financial services companies

    Today the lines between investment brokerage firms and banks are blurred with many banks offering investment products and investment companies providing banking services as well.

    Who's it for?

    Small businesses

    Business owners looking for convenient financing options, interest-bearing accounts and easy access to their funds. This demographic may also want credit and debit cards that offer cash back and other rewards or discounts on checks.

    Potential homeowners

    Attracting first-time home buyers can net a loyal bank customer and future business. Potential homeowners are looking for competitive interest rates as well as knowledgeable and customer-focused bank representatives.

    Military and union members

    Retired or active-duty service members and those who are affiliated with unions or government organizations may be more interested in a local credit union that connects them to the community. These individuals might seek exclusive offers such as discounted loan interest rates or flexible accounts.

    Heavy debit card users

    These customers pay attention to minimum balance requirements and usage fees. They may desire cash-back rewards on their purchases and online banking options.

    Diversified consumers

    Most customers use a bank or credit union to pay bills, save, invest and secure lending solutions.

    What does the expert have to say?

    • Chase Bank

      Chase is the consumer and commercial banking business of JPMorgan Chase & Co. (JPM), a major global financial services firm. Chase Bank’s reach spans almost half of America’s households.

      • Services: Chase’s services span the banking sphere and include personal banking, small business lending, mortgages, credit cards, auto financing and investment advice.
      • Highly ranked: According to their website, Chase has received numerous awards and recognition for their products and services.
      • Digital banking: Chase is at the forefront of electronic banking including mobile, online, e-pay, account alerts and more.
      • Financing options: With everything from student loans to home equity lines of credit, Chase Bank has the financing options for students, military, home buyers, business owners as well as typical consumers.
      • Account rewards: Chase products may include special rewards and promotions. Chase offers a variety of checking and savings accounts for retail customers, including free, no-fee options and interest earning accounts.
      • Best for Chase Bank offers suitable banking products for all consumers.
    • Bank of America

      For 200 years, Bank of America has helped their customers, client’s and the community meet their financial goals. Bank of America prides itself in its competitive financial offerings and strong investment in the community.

      • Services: The banks services span general banking, credit cards, loans and investment products. Their services cater to individuals and business customers.
      • Convenient locations: Bank of America’s global reach serves 47 million consumers and small businesses with 4,700 financial centers and 16,000 ATMs.
      • Financing options: The Bank of America loan products includes mortgage, refinancing, home equity, auto, business and more.
      • Credit card products: Bank of America has a suite of credit card choices including cash rewards, travel, low interest rate, small business and cards designed to repair damaged credit.
      • Banking services: In addition to the standard checking and savings accounts the company has offerings for students, online and mobile banking customers.
      • Investment and insurance offerings: The company offers a variety of wealth management opportunities to help customers save for their children’s college or their own retirement. Bank of America also offers insurance products.
      • Financial education: Bank of America is committed to helping its customers understand their finances and provides resources on budgeting and financial planning on its website.
      • Mobile banking: Bank of America's mobile app gives customers 24/7 account access with fingerprint sign-in. Consumers can deposit checks, receive mobile alerts, receive cash back deals and more.
      • Best for Bank of America offers suitable banking products for all consumers.
    • Citibank

      Founded in 1812, Citi is a leading global bank with approximately 20 million customer accounts in more than 160 countries and jurisdictions. Citibank works to provide consumers, corporations, governments and institutions with a broad range of financial services and products.

      • Services and products: Citi has a vast array of services for individuals, businesses and governmental institutions. Their products include banking, credit cards, lending and investing offerings. The Citi services include online banking, account alerts, bill pay, eBills, money transfer, Popmoney® and more.
      • Locations: Citi is organized around four geographic regions; Asia, Europe/Middle East/Africa, Latin America and North America. The company has offices in most every major city in the world.
      • Credit cards: The Citi credit cards include Visa and MasterCards across most segments including low interest, balance transfer, rewards, no annual fee, cash back, business, student, travel, secure and more.
      • Mobile banking: The Citi mobile app allows consumers to keep track of their banking transactions, move money, pay bills, email funds and more. The interactive, graphic displays help customers manage their spending and saving.
      • Security: Citi offers online and mobile fraud protection, identity theft solutions, overdraft protection and the highest level of asset defense.
      • Special offers: Citibank offers customers an array of lending, banking and credit offers that are regularly updated.
      • Best for U.S. citizens, global citizens and travelers looking for banking services for any situation.
    • Wells Fargo

      Wells Fargo was founded in 1852 in New York City. The bank is known for its financial services throughout the western part of the country during the gold rush. Today, Wells Fargo serves both U.S. and international customers at physical locations and online.

      • Divisions: Wells Fargo operates through three branches—personal, small business and commercial.
      • Personal banking services: The company offers banking, loans, credit, insurance, investing, retirement and wealth management products.
      • Online banking: The electronic banking services include online banking, bill pay, statements, fund transfers and mobile banking.
      • Fraud protection: Wells Fargo's Fraud Information Center is committed to protecting their customers, offers an online security guarantee and account alerts. Additionally, Wells Fargo teaches customers how to report and protect themselves from fraud and identity theft.
      • Wealth management services: The company’s money management services include wealth planning, private banking, investment management, specialized wealth services and trust services.
      • Financial education: Wells Fargo has a robust educational portal with information about basic finance, credit, home ownership, investing, retirement and insurance.
      • Rewards: Consumers with a Wells Fargo’s “Go Far Rewards” card accrue travel, gift cards, downloads, merchandise and other benefits.
      • Best for Wells Fargo offers suitable banking products for all consumers.
    • Pentagon Federal Credit Union

      PenFed Credit Union provides financial services and quality customer care to military members, government employees and their families. Established in 1935, PenFed has over 1.4 million members and more than $20 billion in assets.  Their members span the United States and military bases in Puerto Rico, Guam and Okinawa.

      • Services and products: The PenFed offerings are tailored to their member population. In addition to typical checking and savings account products, PenFed has a suite of lending offerings for vehicle and home buyers along with personal loans.
      • Credit card products: In addition to simple debit and credit cards PenFed has rewards cards and military credit cards.
      • Auto loans: The credit union has loans for new, used and refinanced vehicles. Their additional auto loan products include a “payment saver” loan and a car buying service.
      • Calculators: To help members take charge of the money, PenFed has a variety of online calculators including mortgage, card comparison, auto loan payment and savings certificate growth calculators.
      • Home center: For members seeking to purchase a home, PenFed offers many tools. Their portal includes information for first time home buyers, a home ownership dictionary, rate comparisons as well as loan products.
      • Deployment guide: Immediate deployment is a reality of military life. The PenFed site has a complete downloadable guide for deployed members to ease managing financial and life details.
      • Financial Hardship Center: The PenFed Credit Union understands that life happens and offers guidance to help its members through tough times with specialized financial-assistance programs.
      • Best for PenFed is ideal for civil servants, government employees, military service personnel and their families.
    • TD Bank and TD Banknorth

      TD Bank is one of the 10 largest U.S. banks. The bank offers retail, small business and commercial banking products and services to more than 8.5 million customers through its approximate 1,300 locations in the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida.  TD Bank belongs to TD Bank Group, a subsidiary of The Toronto-Dominion Bank of Toronto.

      • Accounts and services: TD Bank offers personal banking, small business banking, commercial banking and investing services. The personal banking services and products include checking, saving, credit cards, loans as well as access to investment products.
      • Online banking and bill pay: Their electronic services include 24/7 online account access, transfers, person-to-person payments via Popmoney® and bill pay. Customers receive email alerts, online statements and account synch with Quicken®.
      • Credit cards: TD Bank offers a variety of credit and debit cards including specialized miles, cash back, prepaid, balance transfer and rewards cards. There are also special offers for new credit card owners.
      • Personal loans: TD Banks personal loan products include secured loans, unsecured loans and a personal unsecured line of credit.
      • Financial tips and tools: This educational portal includes calculators, articles and tutorials on a wealth of financial topics including banking, budgeting saving, and borrowing.
      • Best for TD Bank is appropriate for consumers who live near the TD Ameritrade Bank branches and those seeking banking with a direct link to a discount brokerage firm, TD Ameritrade.
    • PNC Bank

      PNC bank serves individuals, small businesses, corporations and government entities. Their banking division has over 6 million customers across 19 states and the District of Columbia. Additionally, PNC has 2,600 branches and 9,000 ATMs, along with online and mobile services.

      • Divisions: PNC Bank has the following organizational structure: retail banking, asset management, corporate & institutional banking, residential mortgage banking and Blackrock. PNC Bank owns approximately 25% of the BlackRock Investment Management Firm.
      • Products and services: PNC offers the typical checking, savings, credit and debit cards as well as lending solutions. Their unique offerings include student, university and WorkPlace banking. PNC also offers investment and retirement products and a virtual wallet.
      • Virtual Wallet®: This specialty offering gives customers a clear money picture and helps users control, plan and reach their financial goals. It includes a calendar and bill pay function.
      • Online and mobile banking: Online or on their devices, PNC gives consumers account access, bill pay, check deposit, transfers and more services 24/7 from a tablet, phone and computer.
      • Wealth management: This department offers asset management, asset protection and planning for the future. Clients can invest and plan for their financial future with personalized advisors.
      • Education: PNC provides information about leading financial, budgeting, investing, lending and overall money topics with information for all of their customers from students to well-heeled investors.
      • Best for PNC is best for customers who live near a PNC Bank branch. For those consumers, PNC is a viable banking solution for those seeking a full-service bank with investing access.

    11 – 74 Most Reviewed Banks & Credit Unions

    Ally Bank offers online checking and savings accounts, CDs, IRAs and other financial services. While the bank has no branches, customers can use the Ally website, Mobile Banking App and 24/7 phone service.
    Western Union offers its customers ways to send and receive money quickly and easily, including online options and bill payment. For a small fee, users can send or receive money to other individuals for nearly instant pickup.
    Regions Bank offers traditional banking, and its Smart Option Student Loan program features repayment options such as deferred and fixed. Participants in the program get free quarterly credit score reports and 24/7 management.
    BB&T, headquartered in Winston-Salem, North Carolina, offers products in six areas: community banking, residential mortgage banking, dealer financial services, specialized lending, insurance services and financial services.
    TD Ameritrade is one of America's leading financial companies, and it is based in Omaha, Nebraska. Today, the company offers customers advice about stock trading, investing, retirement planning and more.
    SunTrust, headquartered in Atlanta, provides more than 2,200 ATMs and more than 1,500 locations in the South. It focuses on three sectors: consumer banking and private wealth management, wholesale banking and mortgage banking.
    MoneyGram International Inc. is a company that is solely focused on money transfers. Currently headquartered in Dallas, Texas, the business allows customers to send money between individuals in more than 200 countries.
    Navy Federal Credit Union offers financial services to members of the Armed Forces, Coast Guard, National Guard and DoD, as well as their families and households. They offer perks like mortgages with 100 percent financing.
    USAA serves former and current members of the military, as well as their families. The company offers insurance services, investments and tax help for qualified customers, in addition to banking, credit cards and mortgages.
    BBVA Compass Bank has many services available for individuals, small businesses and large companies. These services include options for checking and savings accounts, personal and mortgage loans, credit cards, investing and more.
    TCF Bank, headquartered in Wayzata, Minnesota, allows customers to start banking online as soon as their enrollment is complete. It has 380 locations in the Midwest and various personal banking and loan products.
    Key Bank is one of America's larges banks, and it is the only bank still headquartered in Cleveland. Nearly 200 years old, they provide personal banking, investment management, retail banking, commercial banking services and more.
    Flagstar Bank offers both personal and business banking services, including checking accounts, savings accounts, loans and a variety of other options. Their home equity lines and mortgage loans offer competitive interest rates.
    Xoom Money Transfers allows for quick, efficient money transfers to accounts in a large variety of countries. Their fees are affordable and the exchange rates are guaranteed. Users receive text updates for their security.
    M&T Bank is a bank and financial services company that specializes in providing investment management and global wealth management. The company offers online and mobile banking services, as well as savings accounts and CDs.
    Royal Bank of Canada is one of the most popular banks chosen by Canadian customers. Headquartered in Toronto and Montreal, the company offers banking services such as checking, credit cards, mortgages, investments and advice.
    Bank of the West, headquartered in San Francisco, has a scan-to-pay feature; customers pay bills with the click of a camera button. The bank serves customers in all states and has more than 700 locations in the West and Midwest.
    Bank of America online banking offers its customers secure access to their checking and savings accounts. Other Bank of America services includes bill pay, customized alerts and the ability to transfer money between accounts.
    Comerica Bank mainly serves the Detroit, Michigan and Dallas, Texas areas. Headquartered in Dallas, the bank is the biggest bank in Texas, and it specializes retail and commercial banking, as well as wealth management.
    Crescent Bank, formerly Crescent Bank & Trust, offers traditional banking and has a niche for automobile loans to high-risk customers in more than 12 states. The bank operates nationwide, but with a focus on Louisiana.
    Pentagon Federal Credit Union offers membership to military personnel, members of certain organizations, government employees and more. They offer numerous benefits to members, including insurance policies and real estate rewards.
    Chase online banking enables customers to deposit checks, check their balances and more, during any time of the day, on multiple devices. Customers can manage their accounts from their computers, smartphones or tablets.
    Based in Rhode Island, Citizen Bank is one of the country's biggest and most popular banks. With convenient locations in stores and retail locations, they offer a range of financial services to more than five million customers.
    Founded in 1857, Santander Bank offers customers options for their financial needs, including personal, business and corporate accounts. Santander Bank's Extra20 account pays $20 per month to customers who meet certain criteria.
    Charter One Bank is a bank that was sold to Citizens Bank in 2004. Branches of the bank that are located in the Midwest kept the name Charter One Bank, while branches in New York and Vermont changed to Citizens Bank.
    State Farm Bank is a financial and insurance services company founded in 1922, and the company does not have its own branch locations. Customers can only bank with State Farm over the Internet or through the telephone.
    Union Bank of California is a nationwide bank that allows customers to manage their accounts with text commands. Its youth banking program features options for various age groups with low minimum deposits and no monthly charges.
    PNC Bank acquired National City Bank, headquartered in Cleveland, in 2009. National City Bank, then seventh-largest in the United States, offered financial services such as mortgages, and small-business and corporate banking.
    ING Direct is an Australian bank, originally founded in 1999. The company extends everyday banking services, in addition to savings accounts and business banking. They are also one of the country's biggest lenders of mortgages.
    Capital One acquired Chevy Chase Bank, a savings and loan association, in 2009. Chevy Chase Bank offered personal banking products such as checking accounts, and business banking products such as payroll services.
    Guaranty Bank offers credit-building loans, in which the bank lends customers money for a CD and meets with them regularly. It also provides mobile banking, allowing customers to check their balances and transfer money 24/7.
    Associated Bank, founded in 1861, is headquartered in Green Bay, Wisconsin. The company is focused on banking for mid-size companies in the bank's regions. These includes Wisconsin, Illinois, Minnesota and the surrounding Midwest.
    Armed Forces bank has been serving active and retired military members and families since 1907. The bank provides a range of services for military customers, including checking and savings accounts, loans, and financial education.
    First National Bank of Omaha is the largest privately held bank in the U.S. The company offers a range of financial services, such as checking and mobile banking. In addition, they have lending services and wealth management.
    Citizens Bank, with headquarters in Providence, Rhode Island, operates in 11 states and has more than 1,200 locations. Its offerings include mobile apps, a 24/7 customer contact center and more than 3,200 ATMs.
    MUFG Union Bank has locations across the U.S. and the world. They are focused on becoming a global bank, and they offer customers in the U.S., Asia, Canada and Latin America a full range of banking and investment services.
    Citizens Bank is the 13th largest bank in the country, offering checking accounts, savings accounts, investment tools, retirement accounts, loans, mortgages and more. Their customer base includes 5 million different entities.
    Banco Popular specializes in offering banking services in Puerto Rico, as well as in the U.S. Customers of Banco Popular can take advantage of online and mobile banking services, including deposit, checking and savings accounts.
    Astoria Bank is a bank based in Long Island City, New York that has been serving customers since 1888. The bank is the biggest savings and loans association in New York, and it holds deposits of more than 10.4 billion dollars.
    First Citizens Bank has been in business for over 100 years, offering customers a range of options from checking accounts, savings accounts, loans and more. Their services cover everything from everyday to long-term needs.
    Public Service Credit Union offers financial services for personal customers and small businesses. Customers can take advantage of PSCU's convenient banking services, like mobile and branch banking, as well as many ATMs.
    American Express Centurion Bank, based in Salt Lake City, provides prepaid cards and credit cards to individuals, businesses and corporations. It uses customer rewards programs and processes millions of daily transactions.
    Presidents Choice Financial, headquartered in Scarborough, Canada, features mobile check deposit, telephone banking and online banking. Its bank machines facilitate bill payments, account transfers and MasterCard cash advances.
    Amscot - The Money Superstore focuses on cashing checks, money orders and cash advances. Customers can also use ATMs and prepaid cards. Some Amscot locations are open 24 hours a day, and other locations have expanded hours.
    Bank of America gift cards come in the form of prepaid Visa cards that customers can register online or by calling a toll-free number. Customers can use the cards at gas stations, restaurants and at other merchants.
    Customers of online-only Netbank can access their accounts 24/7 from their computers and smartphones to pay bills, transfer money and more. Netbank offers products such as checking and savings accounts, as well as mortgage loans.
    Wescom Credit Union is a credit union in Southern California. The company offers checking, savings, money market accounts and IRAs to credit union customers. They also offer auto loans and insurance, as well as home mortgages.