We just spent part of today at our credit union "tightening" up our accounts, and reviewing things. We had automatic overdraft transfer from savings to checking and didn't have a limit set on transfers. Now we do, and set parameters for when they need to call us. They also reacted immediately with the Target breach...they are able to issue new cards "in House"...no waiting for them in the mail. Credit card through them also, and they have promptly handled any issues.....just can't be too careful in today's world!!