Forgive me for my ignorance, but I'm intrigued by this... My grandmother used to work for a credit union, but I was always under the impression that you had to set up with them through your employers and I've never really asked otherwise...
What are the options in NC and do you get the same benefits of a "big bank," such as direct deposit, ATMs, etc.? Only one I'm really aware of in NC is the SECU, but again, I thought you had to be employed by the state to bank there.
My wife and I are tired of Wells Fargo, who we were forced to bank with once they took over Wachovia, who we had no problems with... Since WF has taken over, they have virtually stolen hundreds of dollars from us in fees that didn't exist with Wachovia. If this is feasible, I think everyone should do this and take the power away from the banks.
SECU is stupid easy to get into these days. You used to have to be directly employed or have a immediately family member employed by the state in order to become a member. Now you just have to live with someone, hell you can even be the neighbor of someone.
I've been with them since my stepdad started working as a teacher back when I was a teenager. I got my roommate an account because we had the same address, and this was about 7 years ago. It's even easier now.