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credit unions ftw
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Feb 24, 2023 17:37
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Bank of America is a sworn enemy. My parents had to sue them in 09. I trashed their Rutgers ATM vestibule back in 06.
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Feb 24, 2023 17:41
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Does Zelle attract the sketchiest and skeeviest of individuals like CashApp?
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Feb 24, 2023 18:48
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BAGS FLY AT NOON posted:BofA deez nutz!!!
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Feb 24, 2023 18:57
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I left Bank of America when they charged me an overdraft fee on a fraudulent charge that overdrafted me, then charged me an overdraft fee on the fraudulent charge overdraft fee after the fraudulent charge was reversed.BAGS FLY AT NOON posted:BofA deez nutz!!! 
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Feb 24, 2023 18:58
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lol @ doing business with BoA or Wells knowing everything you know about them that is out in the public sphere
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Feb 24, 2023 18:58
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i closed my account years ago, and it was a pain in the rear end because the branch insisted that i had to bring my mom with me to sign something in person because i had opened the account before i was 18. her name was nowhere on the account, but she had co-signed for it back in the late 90s (with a different bank that later merged). no problem taking all the money out by myself, that was perfectly cool with them, but actually closing it to avoid a monthly minimum balance fine for the rest of time required in person signatures from bofa us simultaneously.
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Feb 24, 2023 19:13
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hot cocoa on the couch posted:also wondering this as well, and will contiunue to wonder + speculate as op is sure to abandon this thread as well as is his wont Maybe OP is on the couch not just because of a bad dinner, but also because his wife found out about his camgirl subscriptions (these Zelle charges)?
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Feb 24, 2023 19:31
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istewart posted:Maybe OP is on the couch not just because of a bad dinner, but also because his wife found out about his camgirl subscriptions (these Zelle charges)? OP has to subscribe to his own wife’s onlyfans
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Feb 24, 2023 19:33
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In last days of collapsing USA, we have good joke: You want bank? You have many choice. Bank of America... and US Bank!
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Feb 24, 2023 20:00
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CREDIT UNION SUPREMACY BIVTCH!!!!!!!!
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Feb 24, 2023 20:02
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hot cocoa on the couch posted:credit unions ftw Chinatown posted:CREDIT UNION SUPREMACY
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Feb 24, 2023 20:26
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can someone credit union pill me
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Feb 24, 2023 20:38
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Credit unions are cool. I love getting a receipt on a dot matrix printer and constant junk mail to buy their life insurance
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Feb 24, 2023 20:38
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Credit unions are great, they're member owned! I don't know what this means but I always tell people I co-own a credit union for a living
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Feb 24, 2023 20:44
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cumpantry posted:can someone credit union pill me depends on the cu for benefits but basically they're a bank with no profit motive. so there is no incentive to gouge the customers (members in the case of a cu) for financial services. generally no or very low fees for things, high savings interest rates, low loan rates, profit sharing. because they only charge what is required to run the organization, with no intent to generate profits for shareholders. they're also usually smaller and regional so you get a more intimate experience when seeking financial services that a bank would just flatly deny you for. here in canada they're part of a larger national organization that pools resources so that cu's are still competitive too so they don't get rolled by banks. dunno how it is in america but essenrtially they're better in every single way unless i guess you own a non-insignificant % of the bank
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Feb 24, 2023 20:50
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With my credit union I get free withdrawals at every 7-Eleven ATM which means there's usually an ATM within 50 feet of me at all times  Also I can get money from any other CU's ATMs no problem.
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Feb 24, 2023 20:51
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Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks. Today, though, most of the benefits they offer are also offered by big traditional banks. You can really tell someone who has been with a credit union for over a decade because most of the things they brag about are just regular features for every bank user now. Also, when you are with a credit union they're likely to be using really shoddy and/or antiquated tech, have seriously understaffed customer support departments, and be constantly shilling various insurance products at you. If you want to use a bank with a buggy app that hasn't been updated in 2 years, where you can't use their online banking services from 1:00-3:00am because of the nightly DB refresh, then a credit union might be for you!
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Feb 24, 2023 21:12
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LanceHunter posted:Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks. i assume you're talking about america because that's not true in the slightest here lol
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Feb 24, 2023 21:13
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if you bank at one of the big US banks im literally inches from your face, laughing at you, my spittle landing on your nose and forehead
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Feb 24, 2023 21:15
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Chinatown posted:if you bank at one of the big US banks im literally inches from your face, laughing at you, my spittle landing on your nose and forehead
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Feb 24, 2023 21:22
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Love the benefit of traditional banks opening up service accounts in my name without my knowledge
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Feb 24, 2023 21:37
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Cash apps are dumb, stop kvetching pizza money from your friends.
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Feb 24, 2023 21:39
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LanceHunter posted:Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks.  I've gladly made the trade of occasional maintenance outages in exchange for being able to quickly reach a reasonable human when I have a problem. Not sure where you're getting the understaffed customer support claim from - maybe your CU just sucks? The two that I've done business with have been pretty rad. olives black fucked around with this message at 22:00 on Feb 24, 2023 |
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Feb 24, 2023 21:57
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Smugworth posted:Love the benefit of traditional banks opening up service accounts in my name without my knowledge 
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Feb 24, 2023 21:59
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LanceHunter posted:Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks. lol
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Feb 24, 2023 22:00
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*extremely fat cartoonish bankster wearing rtop hat + monocle w/ a 3 piece suit clearly bursting at the seams waddles into teh thread smoking a cigar and leaning on his ivory + ebony walking cane* credit unions are no better than banks, in fact they are worse,
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Feb 24, 2023 22:02
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LanceHunter posted:Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks. 
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Feb 24, 2023 22:28
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lol. this
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Feb 24, 2023 22:29
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Feb 24, 2023 22:31
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LanceHunter posted:Credit unions were a very good alternative back in the days before Dodd–Frank and the CFPB, where banks were just gouging people left and right and people had basically no recourse. Doing simple things like waiving overdraft fees or giving free ATM withdrawals made them miles better than most traditional banks. Lol if you give your money to a bank I'd rather wait an extra day for my check to clear than to do business with such fine and totally not criminal institutions like BofA or wells fargo. Credit unions are by and large not for profit and when you bank with them you technically have a stake in the business. That business exists to serve the credit union customer. Thats it. Otoh If you give your money to a bank youre just making some rich rear end in a top hat even more rich.
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Feb 24, 2023 22:34
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Feb 24, 2023 22:35
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Never had a bank account only credit unions gang
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Feb 24, 2023 22:35
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You guys don't use a bank for your savings account? Or are we just strictly talking checking accounts
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Feb 24, 2023 22:38
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DeadFatDuckFat posted:You guys don't use a bank for your savings account? Or are we just strictly talking checking accounts my savings account is with my cu as well as they pay me hella interest and the bank is still like fractions of a percent. also my investments are with an independent discount brokerage. gently caress banks
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Feb 24, 2023 22:40
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chase gave me a couple hundred bucks to move my checking account over there so now i'm BIG BANK plus I think you're never more than 2 blocks from a Chase ATM no matter where you are in the US so that's better than trying to track down the 2 ATMs per city that my old CU didn't charge for withdrawals from
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Feb 24, 2023 22:42
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money market account ftw
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Feb 24, 2023 22:43
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hot cocoa on the couch posted:my savings account is with my cu as well as they pay me hella interest and the bank is still like fractions of a percent. also my investments are with an independent discount brokerage. gently caress banks Ah. Yeah, if there was a credit union near me that would give decent rates for savings then I'd switch, but the rates all kinda suck so I'm stuck using Ally for now for savings/cd
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Feb 24, 2023 22:43
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wyoak posted:chase gave me a couple hundred bucks to move my checking account over there so now i'm BIG BANK Cash is only useful for buying drugs
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Feb 24, 2023 22:44
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Smugworth posted:Cash is only useful for buying drugs
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Feb 24, 2023 22:45
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