Hidden Debit Card Fee

I followed the national trend and closed my bank account and opened a share draft at a credit union.  There wasn't a ton of info out there on Montauk, but the little there was was all good.  The people there are VERY pleasant and helpful, especially Ben.  There's kind of a lot of inconvenience, which I suppose is to be expected since there are no fees.  Just one location and it's only open from 8:30-5:00 (soon to be 3:00, I think) M-F.  So if you need to deposit an actual check, you either have to get there during those hours or mail it in.  The actual place is kind of dingy with this super annoying huge vent that comes on every 30 seconds and makes it impossible to hear the clerk behind the glass.  They have online banking, but it takes almost two weeks to get it set up.  But my biggest beef with them is that you get charged a $1.00 every time you use your debit card (as in, you enter your PIN to make a purchase).  When I found that out after the fact, I assumed that I'd just overlooked that info in the check card application, but it's not there.  I was never told about this fee, which is kind of ridiculous.  In most instances, it's easy to make sure it runs through as credit, but some places, like Duane Reade, it automatically swipes through as debit and adds a buck to your purchase.  Not cool.  Back to the bank for me, though I am going to keep the share and share draft accounts I've opened at Montauk as back-ups.