Comments on: Credit Unions Are Great, Until They’re Not http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/ Everything About Money You Were Too Polite To Ask Fri, 24 May 2013 04:47:28 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Logan Sachon http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-1123 Logan Sachon Thu, 19 Apr 2012 22:43:18 +0000 http://thebillfold.com/?p=1413#comment-1123 It is still a work in progress! But the plan is to flesh it all out next week! x It is still a work in progress! But the plan is to flesh it all out next week! x

]]> By: Myrtle http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-1120 Myrtle Thu, 19 Apr 2012 22:32:49 +0000 http://thebillfold.com/?p=1413#comment-1120 Great comments and advice on here. Love to see an update to the post with what you did? Great comments and advice on here. Love to see an update to the post with what you did?

]]> By: whimseywisp http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-682 whimseywisp Fri, 13 Apr 2012 22:10:00 +0000 http://thebillfold.com/?p=1413#comment-682 My credit union is pretty awesome. I can use any atm and they will reimburse me the fees as long as I fit in their qualifications (which are easy to meet!). My credit union is pretty awesome. I can use any atm and they will reimburse me the fees as long as I fit in their qualifications (which are easy to meet!).

]]> By: wendy http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-633 wendy Fri, 13 Apr 2012 02:30:11 +0000 http://thebillfold.com/?p=1413#comment-633 really? my dinky cu in philly lets me use,free, the atm in any 7-11 in the country, lets me deposit in a huge amount of other cu's, even across the country, and today just announced that they now have deposits via smart phone photo. i chose mine because it had the highest money market and cd rates around, but there isn't a branch anywhere near where i live or work, but i never need to go there - except once i went to open an ira. i use another cu close to my home to deposit, and opened my account by mail. their interface is a bit clunkier, but they have all the online banking features that my big bank did. so,as others said, maybe you just need to change your cu. really? my dinky cu in philly lets me use,free, the atm in any 7-11 in the country, lets me deposit in a huge amount of other cu’s, even across the country, and today just announced that they now have deposits via smart phone photo. i chose mine because it had the highest money market and cd rates around, but there isn’t a branch anywhere near where i live or work, but i never need to go there – except once i went to open an ira. i use another cu close to my home to deposit, and opened my account by mail. their interface is a bit clunkier, but they have all the online banking features that my big bank did. so,as others said, maybe you just need to change your cu.

]]> By: acid burn http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-614 acid burn Thu, 12 Apr 2012 20:22:01 +0000 http://thebillfold.com/?p=1413#comment-614 @Logan Sachon No, then you just find another CU that's in the CU network and use their ATMs instead! Call yours and see what the deal is, because I don't understand how it works but I know that it's a thing and that's how I use my Washington CU account even though I live in Oregon now. You probably have more ATM options than you know in your city as well because of this! You can also look at this but you should call your bank for more specific information. http://www.cuservicecenter.com/ @Logan Sachon No, then you just find another CU that’s in the CU network and use their ATMs instead! Call yours and see what the deal is, because I don’t understand how it works but I know that it’s a thing and that’s how I use my Washington CU account even though I live in Oregon now. You probably have more ATM options than you know in your city as well because of this! You can also look at this but you should call your bank for more specific information.
http://www.cuservicecenter.com/

]]> By: MuffyStJohn http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-593 MuffyStJohn Thu, 12 Apr 2012 18:05:34 +0000 http://thebillfold.com/?p=1413#comment-593 I desperately want to break up with Bank of America and join a credit union, but unfortunately none of the conveniently located ones with decent services will accept me (I don't meet whatever their membership qualifications are). I was actually shocked that not a single CU in [extremely large metropolitan region] had minimal fees (sorry dudes, I cannot maintain a $200 minimum balance; this is America!), a location in the business district where I work, and would accept me as a member. Not. one. Instead I'm planning on transferring to a regional bank - so instead of giving my money to a corporation that is huge and evil like BoA, I'll just be giving to one that ASPIRES to be huge and evil. And at least has an ATM near my office. I desperately want to break up with Bank of America and join a credit union, but unfortunately none of the conveniently located ones with decent services will accept me (I don’t meet whatever their membership qualifications are). I was actually shocked that not a single CU in [extremely large metropolitan region] had minimal fees (sorry dudes, I cannot maintain a $200 minimum balance; this is America!), a location in the business district where I work, and would accept me as a member. Not. one.

Instead I’m planning on transferring to a regional bank – so instead of giving my money to a corporation that is huge and evil like BoA, I’ll just be giving to one that ASPIRES to be huge and evil. And at least has an ATM near my office.

]]> By: Drea http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-591 Drea Thu, 12 Apr 2012 18:01:33 +0000 http://thebillfold.com/?p=1413#comment-591 My credit union is part of a network that let's me get cash from any ATM in a 7-11 fee free. Maybe you just picked the wrong one. My credit union is part of a network that let’s me get cash from any ATM in a 7-11 fee free. Maybe you just picked the wrong one.

]]> By: Justin Schuetz@facebook http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-557 Justin Schuetz@facebook Thu, 12 Apr 2012 15:25:51 +0000 http://thebillfold.com/?p=1413#comment-557 not all credit unions are created the same. Mine allows me to bank (deposit/withdraw) at any UPS Store or Deposit@Home via a scanner, refunds ALL atm fees (I get cash at the bar ALL THE TIME!), and has amazing customer service/rates. not all credit unions are created the same. Mine allows me to bank (deposit/withdraw) at any UPS Store or Deposit@Home via a scanner, refunds ALL atm fees (I get cash at the bar ALL THE TIME!), and has amazing customer service/rates.

]]> By: TunaSushi http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-551 TunaSushi Thu, 12 Apr 2012 14:48:43 +0000 http://thebillfold.com/?p=1413#comment-551 have you seen Louis C.K.'s bit about the reason he's always so broke is because it's so easy to access his cash, via ATMs? It's a far cry from back in the day when one had to actually go to the bank on a Friday to have enough cash for the weekend, etc. Perhaps consider the trouble you have to go through as your credit union's subtle hint that it's better to save and hold on to your money until you decide whatever you need to spend it on is worth the hassle (or an ATM fee at another place.) have you seen Louis C.K.’s bit about the reason he’s always so broke is because it’s so easy to access his cash, via ATMs? It’s a far cry from back in the day when one had to actually go to the bank on a Friday to have enough cash for the weekend, etc.
Perhaps consider the trouble you have to go through as your credit union’s subtle hint that it’s better to save and hold on to your money until you decide whatever you need to spend it on is worth the hassle (or an ATM fee at another place.)

]]> By: Rebecca http://thebillfold.com/2012/04/credit-unions-are-great-until-theyre-not/#comment-543 Rebecca Thu, 12 Apr 2012 13:59:33 +0000 http://thebillfold.com/?p=1413#comment-543 @nzle LES People's is GREAT! There are free ATMs at...almost every McDonald's in the city (except not the one across from Greenwood Cemetery so plan ahead if you are short on cash and going to a cemetery?). @nzle LES People’s is GREAT! There are free ATMs at…almost every McDonald’s in the city (except not the one across from Greenwood Cemetery so plan ahead if you are short on cash and going to a cemetery?).

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