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this post was submitted on 17 Jan 2024
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Why are overdraft fees even allowed?
If the account doesn't have the funds, don't allow the withdrawal.
If someone needs to borrow money, they will use a credit card.
My credit union isn't great, but one time I was $600 short on my tuition payment and they let the transaction through and gave me a call later that day and asked when I expected to pay it back. I told them two weeks and they said "okay". I'm not even sure I was charged anything.
Credit unions be cool like that, at least mine is. Still glad my parents made my account for me, I joke with them that the account is older than me (it actually is)
Good on your parents. Credit Unions can't do everything for you that a bank can, but that's why you just get an account with them for a specific purpose, and use the credit union for everything else.
I was the one to liberate my parents from the fee-laden Bank of America experience.
I've just been glad to dodge most of the shenanigans I read about in this thread and what friends have told me about.