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Which CEOs are actually worth keeping around?
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this post was submitted on 08 Dec 2024
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Terrible bank, like most that aren't credit unions, they have over leveraged tens of billions against individual account balances and been a leaky sieve in tech security.
I have no idea why most people don't use credit unions. I guess just ignorance. My "overdraft fee" is "keep at least $50 in your savings account and we won't charge you one."
Convenience. I have accounts with BofA because they're three blocks from my house. It's them or Wells Fargo, who are a little further, and then the nearest credit union is a 10m drive. So convenience. I also have USAA, but having zero branches in my state is kind of a pain.
I hate BofA, but I opened my first credit card with them 19 years ago and I value my stupid credit score for some reason, and so I have to keep it forever.
Do you physically go to the bank that often? I can't remember the last time I had to go into the credit union. Well over a year. Everything outgoing is on automatic payments and I can deposit any check I get with my phone.
This. When I explain I use online banks I'm always ask "how do you go to a physical branch?"
And I'm like "why would I even want to?"
I've had to get a medallion signature guarantee a few times, I do it at my bank in person. I'm sure there's another way to get it though.