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When I decided to work hard on getting completely out of debt by retirement age, I found that the bank in which I was using was making it hard to draw from one account to another without charges. I was given the advice to go to a credit union where the employees would help me with any financial decision and would not be "bothered" with the many changes I would be making. I went to several credit unions and ended up at Westerra where I found wonderful employees that would help.