Reply #95: According to the article (near the end)

[Cal Carpenter]

Credit Unions can do this too - even for credit cards or revolving accounts (which most banks can't do).

Not trying to imply you should keep your Wells Fargo account if you don't want to of course, but the reality is that the laws and regulations tend to favor the financial institutions, not the people, and that's going to be true wherever you store your money (unless it's under your mattress, hehe).

My understanding is that credit unions are less likely to be taking advantage of customers, but it's surely not a given.