What is the most logical next event?

How to choose a bank or credit union that is right for you
Compare their sizes.
Banks can vary in size from small local banks to very large international corporations that are in hundreds of locations. Credit unions tend to be smaller and cater to a local community, rather than a national population.
Larger institutions tend to offer more services and features, while small institutions tend to offer more basic options. For instance, a small institution might not be able to provide investment consulting or be able to exchange foreign currencies.