My appointee is in the process of setting up his accounts for his new life and we have a few questions for those of you with more experience. Does he have to use Pentagon Federal Credit Union? We have had accounts for him at our local credit union and our local bank for several years. When I went to our local credit union this week they said that they could process deposits or withdrawals for him through the 'share' accounts that most credit unions use. So couldn't my son use the credit union account he already has and just get a debit card to access the ATM on base? Would his regular Wells Fargo account and debit card work or does it have to be one of the military institutions? Thanks for any advice you have to offer!