@joeo10 I recently joined a credit union for the first time. I still have to go through a bank to get access to my money so I’m still reliant on the banks. You can get a debit card through a partnership with some other financial company. I should apply for that. It might be useful when Western countries have the Greece/Cyprus experience. At least in America you have loads of small, local banks (we don’t). They probably aren’t highly leveraged.