Well Brother I do think you're on to something with the increased popularity of Credit Unions. And I am going to take a harder look at the 3 most popular ones we have here in the Kansas City Metro area. I had a friend that used to work for Boeing that did belong to that one you mentioned and I remember he said he was very satisfied with them.rangefinder wrote: ↑Sun May 26, 2019 10:09 amBanks are like any other business, you need to shop around. There are still many small community banks and credit unions that are cheap to work with and welcome people with small balances. In most cases, a member-owned (co-op style) credit union is probably going to be your best option. These are (or were) typically associated with some large company or industry.
For example, in the Seattle area there is BECU. That originally stood for "Boeing Employee Credit Union" but it no longer requires employment with Boeing to join the CU. And I know people in AK that belong to "Spirit of Alaska Federal Credit Union" -- which used to be called "Northern Schools Federal Credit Union" but changed their name because they no longer restrict membership to school employees.
These are the kinds of credit unions you want to look for. They are typically very small -- some times only one branch. But many CUs have a sharing arrangement where you can use the ATMs of other CUs (and some times other bank's ATMs) without charges. If you know people who work for the government (roads department, school district, etc.) ask what CU they use. There's a fair chance that even if that CU was originally set up to serve a specific group of employees, it may now accept anyone as a member.
Well "Daveho" I'm so glad it's better where you live. I can't tell you how many friends and people I know that just say nothing but curse words about the Banks they deal with. My hatred of Banks didn't come about until about 4 to 5 years ago. It seems like the overall attitudes of all the banking institutions I've dealt with are equivalent to going to a local city hall or police department or any of the tax collecting agencies. The outright rudeness and arrogance of these aforementioned institutions has become completely dismal in my opinion and the banks are just as arrogant and hateful as any of these other places of government business. And it didn't use to be that way. Most banks used to hire pleasant and polite people>> but now every time I go into one of those places it's as though they deliberately try to start a verbal fight with you. And it's not just one banking branch either it's just about all of them I've been to in the past 3 years or so.
Beautiful!!! that's the best summation of "corporate America" I've heard in years. Hearing the truth truly has a special beauty about itSpydergirl88 wrote: ↑Sun May 26, 2019 6:03 pmLoyalty gets you nothing. Every bank, insurance company, internet provider, cell service provider, cable tv company etc gives discounts to new customers and nothing to their loyal customers. It pays to shop around and switch providers often to take advantage of the new customer discounts
I understand what you're saying but "Spydergirl88" hit the nail directly dead center with everything she said in her post. Because that is exactly how all the bigger banks are in our entire region seem to treat everyone and I've talked to several friends, family members, people at church and people I do business with ( including some folks who are very wealthy by the way) and in the past 3 to 4 years the consensus I'm getting is that all of them have become predatory opportunists for the most part.The Mastiff wrote: ↑Sun May 26, 2019 9:35 pmJoe, I have had less than good service from banks here and there. I went to a credit union for state employees and have stayed since. They are more set up for people in my pay scale. That does make a difference. If you had lots of money I'm sure you would see great service in those banks you dislike. I have seen that in how they dealt with family members who were well off as opposed to my state employee paycheck to paycheck stuff. I agree, don't stay if they don't treat you with respect.
About all of my late mother's side of the family live in the State of Mississippi and I will admit that it is a completely different world down there. Oh I like the people down there for the most part and the hospitality down there is a lot like it was most places as it was in the 1950s. But it's one of the few places in the USA that is like that. I would move down there but everytime I've been there in the summer it is like being in a pressure cooker down there from mid May till about mid October. Most of my family all live around Laurel, Hattiesburg and Bay Spring. Yeah Mississippi is far different than most of the USA is.soc_monki wrote: ↑Mon May 27, 2019 10:48 amI have no fees at my bank. I suppose I'm lucky! I've never gotten a money order there, but I know we've had to get cashiers checks before and I don't remember any fees, or at least not much of one. Cashing a check is free as well I believe.
My cell provider is great too, but they're a local Mississippi company, so they're a little bit different. I refuse to use att, I hate them with a passion. Verizon is too expensive. Not much else here.
But I know some banks are rip off artists. I hear horror stories all the time, but I've had great luck.
Now realtors... I don't even want to get started on that!