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Reliable bank account
(sh.itjust.works)
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Dude you need a new bank, or credit union, or GameStop.
An insufficient funds fee!?! Fuck me, America.
Yeah, when I look into a new bank for whatever reason, the first place I go is the fee schedule and I look for BS. Most big banks have a ton of BS in there, so avoiding them is usually sufficient if you don't want to read a table of fees.