You can’t get even, practically speaking. You can withdraw your money, though I suppose that is a certain form of getting even. What irked me was FLU’s faux surprise. Banks charge fees, period. That is the basis of the banking business model.
Credit unions have indeed replaced S&L’s. I just don’t know which ones are solvent any more than I know which ones play the least amount of games. I’ve had the same account at San Diego Crappy Credit Union, since I was 15. They’ve played games with me too.