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“I can’t leave my big bank because they’re just too convenient.”


Let’s not beat around the bush here: how convenient is your big bank really? Think of the exasperating phone calls, the excessive fees, and the lack of care. Do they really make your life any easier? Most people think “Well, that’s just the nature of financial institutions. I’ll always be frustrated.” Wrong—that’s another lie.

If convenience of location is the only reason you’re sticking with that big bank, consider this:

Caro has over 5,000 shared branches and over 30,000 surcharge free ATMs nationwide.

That’s more branches than Bank of America, and only one hundred fewer branching options than Wells Fargo. And if you can’t find one of those 30,000 surcharge free ATMs, Caro members with a Kasasa Checking Account get ATM fees reimbursed up to $25 every month.


Now that we’ve cleared up the convenience thing and other lies about big banks, let’s talk about some things that make Caro real:

  • REAL SAVINGS. The average household in South Carolina saves an average of $155 by using a credit union over a big bank, according to the Q3 CUNA Member Benefits Report. In fact, as of February 2022 we’ve discontinued some Courtesy Pay fees to make life more affordable for our members.
  • REAL SERVICE. As of February 2022, our Google rating was 4.3 stars. Take a look at those big banks and you’ll see just how poorly most of them rank in customer service. Look, we’re not perfect, but our goal is to make sure that when we fall short, we make it up to our members.
  • REAL PEOPLE. Caro is a CDFI, or Community Development Financial Institution. That title may not mean a lot at first glance, but CDFI’s are financial institutions who have stepped up to serve those that the banks say “no” to and help those who fell victim to predatory lenders with outrageously high interest rates. We don’t make loans solely based on a credit score. We listen to your story and try hard to find a way to say yes to your loan application. That our mission: finding real solutions for real people.

The Truth Is…

We’re here. And we’re more than convenient—we also actually care.

Still not convinced? Give us 15 minutes of your time. Let us review your current financial situation, free of judgement, and show you how much you could save by making the smart move to Caro.


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