have you seen Louis C.K.'s bit about the reason he's always so broke is because it's so easy to access his cash, via ATMs? It's a far cry from back in the day when one had to actually go to the bank on a Friday to have enough cash for the weekend, etc.
Perhaps consider the trouble you have to go through as your credit union's subtle hint that it's better to save and hold on to your money until you decide whatever you need to spend it on is worth the hassle (or an ATM fee at another place.)
On Credit Unions Are Great, Until They're Not
have you seen Louis C.K.'s bit about the reason he's always so broke is because it's so easy to access his cash, via ATMs? It's a far cry from back in the day when one had to actually go to the bank on a Friday to have enough cash for the weekend, etc. Perhaps consider the trouble you have to go through as your credit union's subtle hint that it's better to save and hold on to your money until you decide whatever you need to spend it on is worth the hassle (or an ATM fee at another place.)