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The notices started coming. First one credit card was raising its rate, then another. Looking for a way around a 19.99% interest rate, I contacted a large local credit union and was immediately offered a credit card at 6.99% interest.

Even more exciting, a credit union representative uttered those four little words I'd been longing to hear: no balance transfer fee.

That's all it took for me to switch. Others point to better customer service, higher interest rates on checking and savings accounts or the "unfair or deceptive" practices used by bank credit cards as reasons they've kicked big banks to the curb.

Tired of chugging along like a cog in a corporate wheel? Feeling a little credit-union curious? Read on for stories of people who've suffered the last straws and switched.

Fine-print fiasco

Mike Phinney, a technical director from Baltimore, says he switched his checking, savings and credit card over to a credit union after his bank changed ownership -- and the language of his banking contract -- allowing it to take his money.

"I had these two household accounts with about $600 each, money I was holding on to for renovations," he says. "But then my bank changed the language of the contract, saying that if an account doesn't remain active, within 30 days you start to accrue penalties."

Phinney says he wasn't aware of the change until he went to purchase something using one of the household accounts and found it was empty. Ditto for its twin. When he contacted the bank, the news got worse: He was told he owed the bank money, thanks to penalties he'd accrued from having two inactive accounts.

He argued with two managers, who finally agreed to remove the balance due. But they kept the $1,200. "That's when I pulled all my money out of the bank and switched over to a credit union," Phinney says.

There were other reasons, too. Phinney's bank had refused to budge from the 17% interest it charged for his credit card (the credit union offered him 6%), and the customer service at his bank, he says, was getting worse.

"They couldn't make the simplest decisions without calling the head office," he says. "It was becoming very impersonal. At the credit union, though, it feels like the good, old-fashioned customer service that people long for. They're friendly; they know you by name. It's like the old family bank."

Credit unions are member-owned, while banks are run for the benefit of shareholders.

Prompted by penalty fees

Penalty fees also drove Liz Washer, a communications director from Amherst, Mass., to switch her checking and savings accounts to a credit union after being with the same bank for more than eight years.

"I watched my checking account very closely, but in eight years, you're going to make a mistake here and there," Washer says. "I finally goofed and paid a bill before my paycheck cleared. The account was overdrawn for about a day, but a bunch of little ATM charges and bills went through on that day."