From what I am reading I am beginning to think Credit Unions do business different to banks. My Credit Union can be a pain in the butt sometimes, but we have never had an issue using our Debit cards. It is not required, but they ask us to notify them if we are going out of state for vacation. We notify them when we are out of country or they will lock the card immediately for overseas purchases, They have locked my card a number of times flagging it for suspicious activity and the one time I was ripped off, they refunded me instantly. Same with my daughter when she was in college. I get irritated with them sometimes, but they are looking pretty good compared to what I am reading. I have not owned a credit card in over twenty years.
Credit Unions are far better than any big bank.
I will never leave my little CU for another bank again.