First Community Credit Union

If you want somebody with no bricks and mortar buildings then hang onto your «little network» of no name banks. If you want your bank fees to go to your little bank’s stock holders, keep on keepin’ on!
Right herein METRO EAST we have a home-​citizen owned banking, savings & loan organization with over 41 branches in the St. Louis metro area – perfect for those of us living in here in metro east and commuting to metro-​west or being a happy local resident! FIRST COMMUNITY CREDIT UNION is my bank (801 Lincoln Hwy. in Fairview Heights.) we’re new to metro-​east!
We became one of the share holders/​owners of a small piece of First Community JUST because of one or two features some other banks don’t have namely, free checking, one-​time one dollar membership fee, refunds on fees charged when you use other bank’s ATMs, really-​friendly-​not-​snooty associates (who work for the members and not the corporate stock holders,) a free set of 125 personalized checks and a personalized ATM card!
They offer the lowest rates on car and home loans in the area. Online bill payments (much more secure than your mattress), 24÷7÷365 drive-​up banking and everything your little network of stockholder owned banks have except their higher rates on loans.
Remember, if you are a member the interest you pay on a loan goes right back to the share-​holder/​owners of FIRST COMMUNITY and that’s what keeps the loan rates so low.
They also have some of the services your stock-​holder owned bank has like direct deposit. Who doesn’t?
There’s a popcorn popper in every freakin’ FOURTY-​ONE of their branches to give you something to do while you’re waiting for your dividend check, if you might have to sit down and wait, WHICH I doubt you ever will.
YOWZAH!