All of cash and Direct Dep is linked to my US bank account, but with the recent surges in fees and the possibility of a looming dollar crisis, I was wanting to know if you guys thought that switching to a credit union might be more beneficial? I am not sure what to do here, if I had enough cash I would turn it all into silver and gold, but I dont have that much so keeping what I do have safe, is the highest priority. Thanks for any insight.