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Credit unions may offer better rates and more features on checking accounts than banks do, but it’s more in response to marketing challenges than it is a matter of member service, according to WalletHub.com, the online personal financial website.

WalletHub’s Q2 2014 Banking Landscape Report tracked the second-quarter costs and features of 2,000 checking, savings, money market and certificate accounts offered by national and community banks and credit unions. In all cases, credit unions beat their banking competition hands down in terms of both rates and features on accounts.

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