I pissed off the banks 25 years ago. Joined the QF Credit Union, best thing I could have done. The staff actually talk to you, they try to help you, their rates are fairly competitive, often you might make a few more dollars at a bank, but at what cost. If you have not tried them do so, I don't think it matters what airline you fly with these days, but I have found them excellent, and were certainly a help on retirement. Oh and if you ring them, there is a human at the other end and not in the Philippines, but actually at Mascot. Amazing.
