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yeah a lot of banks dont have checking account fees
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Sep 1, 2014 04:13
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Infidel Castro posted:My bank doesn't charge me anything for checking, is open on Sundays, and all they ask is I keep at least $25 in a savings account (which I use to stash my emergency funds anyway). same but mine's a credit union
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Sep 1, 2014 04:15
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don't think of it as a fee, think of it as a tribute to your feudal lords. god put them in that position, so you must show fealty.
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Sep 1, 2014 04:15
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My bank doesn't.
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Sep 1, 2014 04:15
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If you don't bank USAA I don't know what to tell you. I mean surely some guy in your family earned this, right?
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Sep 1, 2014 04:15
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Wanted USAA since dad was in the marines, turns out he needed to sign up before he died, thanks dad
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Sep 1, 2014 04:20
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My bank is so awesome with fraud prevention that I can spend 3 weeks in a hotel in another state and charge that to my cc but I get home and buy an xbox at the gamestop 3 miles from my house and they lock my account for 3 days. 
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Sep 1, 2014 04:20
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look at this thread full of idiot fuckers who don't immediately close all their accounts and convert all their fiat funny money into bitcoins
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Sep 1, 2014 04:22
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How does anyone ever overdraft wtf
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Sep 1, 2014 04:23
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Otisburg posted:look at this thread full of idiot fuckers who don't immediately close all their accounts and convert all their fiat funny money into bitcoins
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Sep 1, 2014 04:23
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Omi-Polari posted:i had all my money in bitcoins but then diversified into ISK and star citizen ships. think i have a pretty solid portfolio. that's a solid spread but could be shored up further by holding some tf2 hats.
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Sep 1, 2014 04:24
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Citibank sent us a letter that in April or may of 2015 if we don't have something like 10k in our checking account they are charging us $25 a month lol If I have a spare 10k I'm putting it in something that gets loving interest; not sitting in a goddamn checking account you baboons It is going to be a major pain in the rear end to switch all my utilities and work stuff, and also now my payment history on the website will be useless as I won't be able to log in, and I also liked that I could pull money out of a Citibank in Germany if I wanted , but gently caress em. I use your debit card which gives you money, you borrow my money and I get no interest, and they are going to charge me $25 a month for the privilege of what again exactly? That's a goddamn extra bill, same as I pay for my fuckin internet . Literally shaking (my fist)
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Sep 1, 2014 04:39
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Enough people will lazily not notice or change banks that they earn X dollars per quarter
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Sep 1, 2014 04:42
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Borrowed Ladder posted:How does anyone ever overdraft wtf it's easy if you're poor and thus stupid and/or lazy
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Sep 1, 2014 04:45
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uG posted:bank of america doesnt and they are the worst bank yes they do and yes they are
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Sep 1, 2014 05:14
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lol if you live in a country where checks are a thing
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Sep 1, 2014 05:28
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checking accounts are outdated as all gently caress. how often do you actually need to write a check anymore? you can do it all via online banking or debt card.  if you still use a checking account and pay for the privilege
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Sep 1, 2014 05:31
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Borrowed Ladder posted:How does anyone ever overdraft wtf I have my money spread over several accounts and one of them is just for non-necessities & I never have more than $1k in it at a time because I've decided that's responsible or something. During the short period of time I was with a bank instead of a credit union I bought a dress and the bank's computer system hosed it up & charged me for the same dress three times and then I had to spend over an hour on the phone explaining to the bank that no I didn't buy three $400 dresses a split second apart because that's literally impossible & obviously an error and just contact the goddamn retailer & then after removing the excess charges they were still going to charge me for the overdraft because I was supposed to anticipate them having lovely technology & then I had to argue with them until they were like "We will remove the fee as a one time courtesy" like they were doing me a favor for cleaning up their own mess. That was all I needed to go back to my credit union. I remember when you used to have to qualify for a credit union, now I think anyone can join one so I don't know why everyone doesn't. ded posted:checking accounts are outdated as all gently caress. how often do you actually need to write a check anymore? you can do it all via online banking or debt card. Is this post serious? What do you think your debit card is debiting?
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Sep 1, 2014 05:37
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Trixie Hardcore posted:I remember when you used to have to qualify for a credit union, now I think anyone can join one so I don't know why everyone doesn't. What do you mean? Credit unions are required by law to have some sort of defined field of membership. Usually it shouldn't be too hard to find one you qualify for, but you still have to qualify somehow. I just piggyback off my military father and thus can get into some decent ones.
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Sep 1, 2014 06:01
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Benedick Cuckold posted:What do you mean? Credit unions are required by law to have some sort of defined field of membership. Usually it shouldn't be too hard to find one you qualify for, but you still have to qualify somehow. I just piggyback off my military father and thus can get into some decent ones. That defined field has been greatly broadened over the years. For example, my current credit union used to require you to be a teacher working in the county or a family member of a teacher that has an account but now the requirement is to be a resident of the state the credit union is in. So, yeah there's still a requirement but come on. Some credit unions will be like you have to donate $5 to our charity & now we're all philanthropists & that's why we are all in the same credit union.
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Sep 1, 2014 06:10
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Infidel Castro posted:My bank doesn't charge me anything for checking, is open on Sundays, and all they ask is I keep at least $25 in a savings account (which I use to stash my emergency funds anyway). Mine asks only that I leave $5 in my savings account as a token of my fealty to the banking lords. *reflexively kneels*
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Sep 1, 2014 06:12
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enraged_camel posted:yes they do and yes they are no they don't unless you are loving retarded and get some sort of premium plus mega checking poo poo
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Sep 1, 2014 06:19
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i keep the majority of my money buried, that way i am protected from burglers and house fires
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Sep 1, 2014 06:24
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california roll posted:i keep the majority of my money buried, that way i am protected from burglers and house fires Good idea hey what's your address??
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Sep 1, 2014 06:25
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uG posted:no they don't unless you are loving retarded and get some sort of premium plus mega checking poo poo best av ever.
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Sep 1, 2014 07:03
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california roll posted:i keep the majority of my money buried, that way i am protected from burglers and house fires The real pros murder their closest friends and throw their bodies in with it so their ghost will defend the money...just like the pirates of old!
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Sep 1, 2014 07:13
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Amused to Death posted:agreed, but I get paid to be poor at my CU too bad inflation wipes out whatever pithy interest they might attach to your statements pro tip, it doesn't matter if you have a credit union or bank if you just got a real job
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Sep 1, 2014 07:18
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USAA client reporting in. Too bad I'm only grandfathered in from before they started requiring military or connections to get in, so I can't open any more accounts unless my mom signs up.
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Sep 1, 2014 07:35
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My bank not only doesn't charge if you don't maintain a certain balance but will refund any atm fees at the end of the month. I have an account at a credit union too but they're less convenient. I want my girlfriend to switch from Boa but I guess she's just used to it.
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Sep 1, 2014 07:35
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Yeah, I'd have to convince my parents to switch away from BofA, and maybe also start using auto debit instead of mailing paper checks. Of course, my mom loves that level of control that only knowing the current checkbook balance ahead of time, drafting out a check, and mailing it out within a few days via a post office drop can afford. Certainly, with auto debit, you would have to worry that you may not have enough in the account the moment they try to take the money, then get hit with overdraft fees. Instead of, like, automatically debiting your other accounts.
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Sep 1, 2014 07:42
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Credit Union.....no charge...never had a charge = happy me
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Sep 1, 2014 09:03
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lol if you don't hoard all your earnings in cash under your mattress like some kind of trans-aged grandma
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Sep 1, 2014 09:10
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Borrowed Ladder posted:How does anyone ever overdraft wtf No poo poo right, aside from the one crazy person who got charged 30 times for a pair of socks or whatever here is a tip for you poors. It's okay to spend money you don't actually have, that's when you use the CREDIT CARD and not the DEBIT CARD. And as others have stated, I don't get hit with checking fees because I have multiple accounts, many of them with sums over the minimum for a fee. I have nothing against credit unions but this bank account is older than some goons and I aint spending an afternoon signing your fancy papers.
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Sep 1, 2014 09:39
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banking in the us seems like amish cosplay hm yes physically visiting a bank to deposit ye olde cheque seems like a great use of my time, oh you have a gay, buggy app that can scan it for direct deposit but it still takes days and has upper value limit so I still have to go to the bank and stand in line like retard most of the time, thanks for nothing
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Sep 1, 2014 09:55
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LethalGeek posted:lol if you use a US bank and not a credit union you loving scrub LethalGeek posted:lol if you use a US bank and not a credit union you loving scrub LethalGeek posted:lol if you use a US bank and not a credit union you loving scrub
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Sep 1, 2014 10:00
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Quickscope420dad posted:lol if you don't hoard all your earnings in cash under your mattress like some kind of trans-aged grandma my grandma literally used to do this before my uncles took over her finances. she is also illiterate now she only hides her spending money in various nooks in the house and spends hours tryin to figure out where she put it before she goes to buy groceries
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Sep 1, 2014 10:15
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I live in Europe so, like, gently caress you all. Our banks aren't allowed to get away with that poo poo, you only pay if you have like a business account or something.
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Sep 1, 2014 10:16
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Cyberball 2072 posted:It's okay to spend money you don't actually have, that's when you use the CREDIT CARD and not the DEBIT CARD. Spending money you don't actually have usually keeps poor people that way. And holy gently caress, America, your banking system is crazy. I'm glad to be in the UK, where we can only get hosed over by loan companies like Wonga. 
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Sep 1, 2014 10:17
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Fatkraken posted:I live in Europe are you in the part that produces and works for a living or the part that is a welfare/broke(n) state?
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Sep 1, 2014 10:18
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Mr.Tophat posted:I'm glad to be in the UK, where we can only get hosed over by loan companies like Wonga. Wonga and it's ilk can only exist because people don't know about credit unions. The government needs to do some kind of advertising campaign which is basically "uh, guys, credit unions are a thing, there's probably one just down the road from you, have you considered using it instead of a payday loan with 2000% apr?"
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Sep 1, 2014 10:19
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