Make money get paid back. Be in business forever. The back and forth between Banks and Credit Unions is of NO interest to the banking audience. Truth Bomb: NO ONE CARES. If you are going to attack the ABA and Bank Trades and ignore the waste and fraud found in Credit Union trades then what it the point? It is akin to pointing out your window to say my neighbors yard needs mowing while your own house is burning down. Wake up. We need some grown ups in the room.