Home Forums Hunting & Shooting Hunter's Campfire I Just Switched To A Credit Union

I've used USAA since 1993. they will Ph-uCK you if they can, ESPECIALLY in the insurance world. I have other banks and Credit unions for some other things. Lately USAA insurance customer service has started to suck monkey nutz. they used to care, now they don't.

rant over.

Who TF is still writing checks?

I've been using credit union(s) since I left the banking industry in '03. I was the "suit" that had to kiss all the old scrapers asses when they came in bitching about fees, interest rates, etc. like they were members of the J.P. Morgan family. They all wanted a better deal than everyone else for their chump change accounts and didn't like it when I told them I couldn't give them a deal different than anybody else walking in the door.

Dillion,

First,

as I had to tell folks long ago...................... I ain't a hippie.Hippies are non violent. Piss me off enough and I'll have to do some ass whoopin'

Second,

re: "But they didn't miss us".............................................

Anheuser-Busch didn't miss me when I quit drinkin' all that Budweiser I used to drink either....................................................Bastids.

Sometimes it's many times that much, and sometimes it's less. Having to worry about it never dipping below that amount at any point in the month isn't something I want to add to my list of things to think about when an alternative exists.

Ya not much for float anymore. The way they they all make money is fees. Brokerage is the same way.

Been with my CU for 42 years, free checking w/ no min. balance, 2 free Money Orders per month.
My checking account is through their Money Market program, better interest than just the plain old checking and savings account. Interest increased with you balance, basic, 10K, 50K and 100K. not at the top but getting close. :>)
Small home town CU, 3 branches, but aligned with two other CU's in town, so I can deposit, withdraw or cash a check at anyone.

Don't believe you are "..Hippy Type Pinko [bleep]",
be surprised if you
"...got a Commie Flag, tacked up on the wall inside of your garage."


But you do have a look!😁

Nope, not even a Grateful Dead poster.

I've got a San Diego Gulls banner in the computer room here though. And one of them old armed Apache fellas that says "Homeland Security".

But no commie flags.

Couldnt resist a little Charlie Daniels.
Damn shame he joined Roy.
We lost a good one there.
Liked him when he would "take another toke",
even more when we both aged and he became respectable!

Remember back when, you could cash a check drawn on a bank or cu for the face amount(without a fee) even though you didn't have an account there.
With today's practice can a check still be considered a negotiable instrument?

I use the psecu credit union. Great rates free checking and they pay me for being a customer.

I knew a guy with a genius IQ. He wrote software and developed new chemical processes. He was given a Boeing fellowship.
He was always going to the credit union for money.

Then there are retarded janitors that do well saving and investing.

Forrest Gump “Stupid is as stupid does”

I agree completely. Had them insure everything for 20 years. Dropped them when I actually compared prices. Then they shipped an IRA I had to another company with no notification. They started going down hill about the same time they started advertising so much.

Been with my credit union since 1989. Better deal all around on fees, loans, and etc.

I do maintain a checking account with Wells Fargo, as they have the most advantageous online bill pay set-up that I have encountered.
There are no fees attached to the account as long as I direct deposit above a minimum amount monthly, and allow them to divert $1 per transaction into a savings account.
The dollars that go into the savings account add up and as there is no restriction on withdrawals, they get redirected to a brokerage account a couple of times per year. Roll them back into checking and auto pay to the B.A.

Why anyone would keep >$1500 in any bank or credit union account mystifies me. There are any number of decent paying investment vehicles that a guy can write a check from.
When the overnight deposits settle tomorrow I'll have some money in both the bank and credit union accounts. By Monday, amounts will be back to normal and decent share of those funds will be at work for me.

Like a money market?

I use 2 different credit unions. One in Alaska and one here in Idaho. In Alaska I"ve been with them for about 40 years and the one in Idaho I've been with the other one for 8-1/2 years. What I like is I can move money between them quite easily. I like that.

Care to list some of those " decent paying investment vehicles that a guy can write a check from." for those of us uninitiated in the finer points of investment accounts?

Preferably ones that don't eat up interest on small accounts in fees.

PM me if you'd like.

Have a conservative Fidelity total stock investment account, and there's typically 6 or $7 k of cash therein that gets rolled into stocks whenever a shinning opportunity shows itself. As dividends roll in, the cash balance begins to build up again. We can write checks on the cash balance, but have not done so.

Never used them, but I have checks from Edward Jones that would draw from my investment accounts there

In actual practice, if I need more than what I have in my credit union checking, I can and do transfer funds from various investment vehicles to my primary checking account. Generally available next business day.

If I ran across a "deal of a lifetime" that wouldn't be there tomorrow, I'd happily use a check from Edward Jones. But I tend to look at such deals with a wary eye...

Edward Jones usually takes three days to hit my account, through electronic transfer. That's going to my credit union. I have never used the check option from them. Something to remember.