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Not a victory of any kind -- I just find it hilarious. Your defensiveness is the cherry on top.
lol me not knowing all about credit unions being some sort of a moral victory for you. that's pretty pathetic of you.
Not a victory of any kind -- I just find it hilarious. Your defensiveness is the cherry on top.
CD being an expert on credit unions probably just means he lives on borrowed money...I wouldn't be too intimidated by his knowledge.
Banks have gotten real ty since they ed themselves in the financial crisis. The one good part of Dodd-Frank actually took care of some of the BS overdraft rules. The fees are getting ridiculous. If my bank had kept the debit card fee I would have dropped their ass for a credit union too. The only reason I haven't kicked them to the curb is because they are my oldest standing account and I don't want to weaken my credit by loosing them. Otherwise, they would have been gone the moment they tried to ditch free checking.
I would definitely recommend telling Wells Fargo to off and get with a local credit union. Not from Texas, so I have no recommendations for good ones around you, but I'm sure there are plenty. Though I still do my personal banking with a bank, I have dealt with credit unions as well and they are so much better to do business with.
Re credit union. I do all my banking, and have for the past 25 years, with a credit union. I have no idea where you are located, so helping you find a credit union is impossible. But I am sure you being a full time student would qualify you at several. And maybe even one at the school you are attending.
Credit unions have fees, but nothing like banks. They have all the traditional accounts, checking, savings and money markets and investment people. You will pay for you checks, through the nose, but they have debit cards which solve that problem. They also have bill pay services, mine has no charges for the service which can save you money by no checks or postage to pay for when paying a bill.
You are will have to expend some energy checking around your area and seeing if you qualify. But many of them today Donald Duck would qualify they have expanded their membership base so much.
Good Luck
A couple of responses to your posts which I appreciate:
-Not a student anymore as of last week, just graduated.
-Don't write checks, so as its been pointed out the debit card would solve that problem.
So I guess basically I just need to look around locally. I didn't know that the requirements had gotten so lax for many of the credit unions. Thanks guys. Going to give Wells Fargo the big you Monday.
No debt whatsoever for over seven years.
Insult fail.
Often you only need to reside in a certain county to join.
You're welcome.
What happens if you move?
Here they usually cover like a five county area, so that hasn't come up for me. If I move out of that range I should probably be looking up another credit union.
Still a member. Just inconvenient if you need to visit a branch every now and then
Wells Fargo takes me on an absolutely kickass dove hunt opening day every year with great hunting, open bar, steak dinner, band etc. and I don't even bank there.
Thank you for paying those fees...
No I'd think that someone who wants to manage money might do a better job of actually taking an interest in managing their own.
You're definitely as dumb as you try to advertise.
My last bank was BBVA Compass. They were free for years. They charged me a fee one month. Sent an email and got the fee waived. Went and opened an account at a credit union for educators here in NM and then went over to my bank and closed my account. paying fees.
Taking an interest..as in..seeking out the best place to do my banking and asking others about their experience? Thanks, got it covered you little monkey looking .
You mad because I made fun of your for being an avid fan of online dating? Randomly bringing gay into the political forum is telling me.
going online to ask people's opinions on their banking experience = not doing a good job.
so therefore by your logic, shouldn't going online to meet women be considered not doing a good job at dating?
Sounds like you're mad not me.
Glad the finance degree holder figured it was a good idea to come to the Spurstalk Political forum to learn proper banking practices. You should show this link to your first interview. They'll be impressed.
Whats better than simply being butthurt? Being butthurt and a ing dumbass.
If you want to think I suck at dating, go for it. I didn't get a four year degree in dating. I also never started any threads on spurstalk (or anywhere else) on dating advice.going online to ask people's opinions on their banking experience = not doing a good job.
so therefore by your logic, shouldn't going online to meet women be considered not doing a good job at dating?
Spurstalk Graduate School of Finance
Sounds like UTA produced a winner.
man all those smileys are just salt on the wound
thinking that a finance major should know the ins and outs of each individual credit union and which ones are better than others only proves you to be the ignorant one, you're reaching really hard because you're angry with me and it's obvious.
I didn't get a degree in credit unions either.
No really. Manage my money please. You seem really good at it. Bank charges you fees, you stay with them. Bank charges you more fees. You still stay with them. Never at any point did it cross your mind to type "credit union" into Google? I understand you have a natural inclination to bending over and grabbing your ankles but didn't you think to at least ask the bank to use some lube?
Here, since I know you didn't get a degree in using Google either:
http://lmgtfy.com/?q=avoid+bank+fees
I never lost any money (always got it back) so I'd say I'm managing just fine. I've stated my reasons for staying until now. You're the one coming into my thread and showing your ulterior motives, tbh.
You'd make a great politician.
Oh by all means, then stay with the bank. You're doing just fine.
A finance major who doesn't understand the value in time or convinence.
LOL @ you crying now about being trolled because you were stupid enough to post a thread asking for financial advice after years of bragging about your degree.
You make a great punching bag.
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