options
I have to keep reminding myself about the fees that I’m paying on my bank account, and how I won’t have to pay them with my credit union account, because this transition is getting on my nerves.
I get paid with direct deposit, so until my changes go through payroll, I have to write a check from my bank to my credit union to have my money where I want it. Then I have to check with the companies that have been electronically taking their payments out of my account (i.e. the government for my student loans, because you get an interest rate discount that way, and my insurer, because I get a discount that way) to find out if they are still scheduling a transfer from my bank, or if they’ve made the transition to my credit union. That way I can make sure the money is where it needs to be.
I can’t close the bank account until those things are no longer in limbo. Then, and only then, will I not have to write checks to myself, confirm scheduled debits, and continue to wait to use the minimum deposit I have at the bank. I hate switching banks - I’ve done it before and it’s a pain in the neck if you have any type of deposit or debit automatically set up. But, since I hate waiting in line for tellers, and I hate fees and missing out on discounts, it’s worth having the auto transactions, and it’s worth the move.
I can look at it this way: at least I’m not dealing with the check-cashing/bill-pay/fee-your-butt-to-death places with rotten customer service, dingy bullet proof glass and not-so-savory clientele. It’s nice to have options.
