University Credit Union vs. Bank - Which is Better for Students?
Ohio University Edition
◄ Pick Another School
NerdWallet pits your university credit union against the big bank on campus and tells you who comes out on top.
◄ Pick Another School
NerdWallet pits your university credit union against the big bank on campus and tells you who comes out on top.
Fees
Accessibility and Convenience
Bonus Perks
Ohio University Credit Union
Chase
Overall Winner: Ohio University Credit Union wins the match easily with lower fees and a stronger on-campus presence.
Round 1: Fees
| Ohio University Credit Union: Campus Student Package | Chase: College Checking | |
|---|---|---|
| Monthly Fee | $0 | $0 |
| Fee for Out-of-Network ATM Withdrawal | $0 for the first 5 per month $1 for subsequent transactions | $2 |
| Overdraft Fee | $30 | $34 |
| Category Winner |  |  |
Round 1 Winner: OUCU beats Chase with their lower fees.
Round 2: Accessibility and Convenience
| Ohio University Credit Union: Campus Student Package | Chase: College Checking | |
|---|---|---|
| Branch Location | On-campus | On-campus |
| Number of ATMs Within 1 Mile of Campus | 8 | 5 |
| Category Winner | | |
Round 2 Winner: With shared branching and surcharge-fee ATMs, OUCU is the clear winner in terms of accessibility and convenience.
Round 3: Bonus Perks
| Ohio University Credit Union: Campus Student Package | Chase: College Checking | |
|---|---|---|
| Bonuses |
| None |
| Category Winner | | |
Round 3 Winner: OUCU is student-oriented, with programs specifically for students and their parents.
