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I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
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2019-01-06 at 2:39 PM UTCkill all middle men
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2019-01-06 at 2:56 PM UTCIn general , credit unions are known to take more of their customers' money, for themselves, as opposed to Banks
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2019-01-06 at 3:09 PM UTCSoyboy IV: The Flower of Death and The Crystal of Life African Astronaut [the oppositely able-bodied hop-step-and-jump]
Originally posted by Ajax pay the fee you agreed to pay
Why is it culturally legitimate to trick people?
I mean some people are smarter than others. Imagine if it was ok to beat people up and take their stuff because you're stronger than they are. That wouldn't fly, but for some reason it's ok to trick people and take their stuff.
"But you agreed to it" just doesn't feel honest to me. -
2019-01-06 at 3:53 PM UTCI miss MORALLY SUPERIOR BEING
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2019-01-06 at 3:55 PM UTC
Originally posted by MORALLY SUPERIOR BEING IV: The Flower of Death and The Crystal of Life Why is it culturally legitimate to trick people?
I mean some people are smarter than others. Imagine if it was ok to beat people up and take their stuff because you're stronger than they are. That wouldn't fly, but for some reason it's ok to trick people and take their stuff.
"But you agreed to it" just doesn't feel honest to me.
because the jedis aren't physically capable but they can run ponzi schemes. -
2019-01-06 at 4:46 PM UTCI just recently changed my account from a bank I had used for over 30 years to a credit union. The bank originally had free checking until a few years ago and then started charging me a $3 "statement fee" every month (I refuse to do online banking). A few months back they added an $8 "service charge" for a total of $11 a month or $132 a year.
The credit union has totally free checking (including mailed monthly paper statements). They also give you 100 free checks every year (real close to the number of checks I used last year).
The only "gotcha" they have is that you have to maintain $5 in a separate "member" account.
They're not as close or convenient as the bank but I've got my Social Security check going to be direct deposited and expect to need to make very few trips there except for the occasional ATM withdrawal. And, they are very close to a Harbor Freight so I can pick up tools when I'm there. -
2019-01-06 at 5:12 PM UTC
Originally posted by Ajax Honestly, it sounds like you’re trying to blame the bank for your inability to manage money.
This. I have several accounts with several banks and never had any problem. 10+ years ago, when I was a hardcore drug addict, I was having the problems gadzooks is describing. It sounds to me like gadzooks is horrible with money management and blames the bank for being the one at fault instead of owning up and fixing his own problems. -
2019-01-06 at 5:21 PM UTC
Originally posted by Grimace This. I have several accounts with several banks and never had any problem. 10+ years ago, when I was a hardcore drug addict, I was having the problems gadzooks is describing. It sounds to me like gadzooks is horrible with money management and blames the bank for being the one at fault instead of owning up and fixing his own problems.
jedi lover -
2019-01-06 at 8:09 PM UTC
Originally posted by MORALLY SUPERIOR BEING IV: The Flower of Death and The Crystal of Life Why is it culturally legitimate to trick people?
I mean some people are smarter than others. Imagine if it was ok to beat people up and take their stuff because you're stronger than they are. That wouldn't fly, but for some reason it's ok to trick people and take their stuff.
"But you agreed to it" just doesn't feel honest to me.
Horrible analogy. How is OP being tricked? -
2019-01-06 at 9:24 PM UTCOkay, for the record guys, I never claimed that I blame the banks for my own inability to "manage my money" (again, I also want to reiterate that I have only recently started working after a long bout of unemployment - and that can take a while to dig your way out of).
But I do, however, blame the banks for being unreasonable and usurious in charging something like 16,000% interest. It makes the payday loan companies look like charities. -
2019-01-06 at 11:12 PM UTC
Originally posted by gadzooks Okay, for the record guys, I never claimed that I blame the banks for my own inability to "manage my money" (again, I also want to reiterate that I have only recently started working after a long bout of unemployment - and that can take a while to dig your way out of).
But I do, however, blame the banks for being unreasonable and usurious in charging something like 16,000% interest. It makes the payday loan companies look like charities.
They are charging a flat fee for the service of covering your broke ass. It’s foolish to convert it to an APR because it doesn’t realistically depict the true nature of the transaction. I’m not saying $48 is a reasonable overdraft fee, so don’t misconstrue my point. -
2019-01-06 at 11:18 PM UTCI like banks. I like ATM machines. they're pretty and look like pinball machines. I like to watch people pull money out of them and can watch this for hours and hours. Banks are lovely. I sit in my car and wonder how quickly I could kill myself with a hose running from my exhaust pipe.
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2019-01-07 at 12:49 AM UTC
Originally posted by stl1 I just recently changed my account from a bank I had used for over 30 years to a credit union. The bank originally had free checking until a few years ago and then started charging me a $3 "statement fee" every month (I refuse to do online banking). A few months back they added an $8 "service charge" for a total of $11 a month or $132 a year.
The credit union has totally free checking (including mailed monthly paper statements). They also give you 100 free checks every year (real close to the number of checks I used last year).
The only "gotcha" they have is that you have to maintain $5 in a separate "member" account.
They're not as close or convenient as the bank but I've got my Social Security check going to be direct deposited and expect to need to make very few trips there except for the occasional ATM withdrawal. And, they are very close to a Harbor Freight so I can pick up tools when I'm there.
A lot of banks usually have what's called a 'senior' account, which is for people 55 or over, which still maintains a free account WITH a paper statement, which typically does have a small fee attached if you don't do online banking.
Might I ask why you don't do online banking since you seem to do other things online such as post here? I mean... I don't think there's a whole lot to worry about if you're just checking your balance online, or going through your transactions. If you're concerned about your account security, just a little common sense, like only checking your account while at home, and changing your password regularly. All major banks have fraud prevention, and you are more than likely to have information stolen from using a card in a store with a card skimmer, or an online purchase than you are to have someone get anything from you checking your statement online. Hell, I don't even know what someone could do with a simple checking account's online bank statement info anyway. When I've done online banking it's not like there's any information there like your card numbers, or hell, I don't even recall the account # in full being available to be seen. It's actually a lot smarter to check your statement online too, since if you do run into fraudulent activity, you will catch it quicker than if you wait until your monthly statement is mailed.
If it's because you want a paper record, then print it, AND screen cap it, so then you have a digital back up too in case something happens to the first copy.
I think it's silly when I hear someone- usually over the age of 50, although I have come across one person who was in their 30's who did this- refuses to use smartphones, or computers because they're scared that they'll be 'hacked', as though they have information valuable enough for someone to go out of their way to hack this one individual, when they barely get a $1,000 SSDI check, and most the time their bank account barely has $5 in it. lol it drove me nuts when seniors don't want to make an email account even just because they're afraid it'll be hacked. Does it really matter? I doubt anyone is going to, and if they do they'll be really disappointed when all they find is emails back and forth from them and their grandchildren. At a certain point, if you have no valuable information, then your risk, and also your fear of someone hacking your account should be rather low. If anything you should have more fear of someone you know, rather than a stranger in India, since the only reason a person would want that is to learn something personal, and you probably don't know anyone with that skill set anyway... It's sad to see a whole generation of elderly who could seriously benefit, and gain a lot more enjoyment from life by using these apps, and technology refuse to do so because of relatively low risk fears. It's sad.
User was banned for saying the taboo phrase "computer"! -
2019-01-07 at 2:03 AM UTCAmazing.
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2019-01-07 at 3:26 AM UTCBig banks make a KILLING on thise petty little hidden fees and charges, which is why they slimeball them so well into the fine print.
Small banks tend to not try to rip the pants off of small customers as much, but they can't offer the perks that big banks do.
I fucking hate US Bank, I'm tempted to switch. It takes 20 minutes of standing in line and staring at this literally blinding white blank wall before I can withdraw some cash, and the customer service line takes HOURS for something simple. I have to call again soon because my autopay request isn't being accepted by their ridiculously unintuitive website.
The Asian girls also always si HIIII, WELCOOOOOOOOOOOOOME!! as loud as they can, which is almost kind of cute. They force you to not be as angry, which is smart. They're all dressed to the nine though, and pretty attractive.The following users say it would be alright if the author of this post didn't die in a fire! -
2019-01-07 at 3:28 AM UTCMy brother is a teller at a tiny bank in ny hometwon, and I literally just texted him to do stuff with my money, and that was it. No verification, no stupid fees. Is only open like 5 hours a day for 5 1/2 days a week though.
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2019-01-07 at 3:31 AM UTCwhen i die bury me with all my ice on
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2019-01-10 at 12:01 AM UTCI robbed three banks today and I am on the run.The following users say it would be alright if the author of this post didn't die in a fire!
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2019-01-10 at 12:04 AM UTC
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2019-01-10 at 1:07 AM UTC
Originally posted by Ajax They are charging a flat fee for the service of covering your broke ass. It’s foolish to convert it to an APR because it doesn’t realistically depict the true nature of the transaction.
So basically it's a justification for pushing the poor further into debt... It's like a tax on poverty. That is so fucking wrong it absolutely blows my mind.
Originally posted by Ajax I’m not saying $48 is a reasonable overdraft fee, so don’t misconstrue my point.
I wouldn't mind if it was a percentage of the amount I was short, for example, because I'm only ever short maybe a couple hundred bucks (at the most), and then I can find the money to repay it within days typically. I virtually never carry a negative balance.
There's a reason that a flat tax, for example, is considered a regressive taxation system.
The same applies to a flat rate on things like this.
