union. >> many of these credit unions will actually reimburse your atm fees. >> and about their credit cards? >> do they have the right credit cards? >> unfortunately, got to go with no. >> how did i know you were going to say that? >> tip number two, logon to the free site nerdwallet. it will crunch the numbers based on your spending habits and recommend credit cards right for you. saving them $50 in annual fees and even cutting their interest rate. finally, those irritating fees. tip number three, never pay another again with this free app mint. it tracks your spending and sends you warnings so you don't get hit with late and overdraft fees. remember, these companies count on you not paying attention to those little charges that add up. all told, the stricklands will cash in on an extra $3,000 in five years. and we should note that in order to retain those high interest rates in the checking accounts, many times the banks and credit unions have certain requirements