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.
I feel for you, I hate switching banks. Moving from one state to another and switching your mailing address is easier! It sounds like the credit union will definitley be worth it, though.
Comment by PiggyBankBlues — September 27, 2007 @ 10:43 am
That’s life girl, once everything go through payroll, you should be chillin on autopilot~
Comment by Moneymonk — September 27, 2007 @ 11:32 am
I hate switching banks! I recently switched from a regular checking account to a checking account with interest…I’ve already made about $10 in interest, so the switch was totally worth it…but man, it’s a pain in the butt!
Comment by SavingDiva — September 27, 2007 @ 2:42 pm
Ick. I feel for you. I don’t relish the thought of switching banks, but I know I’ll do it in the future. You’re right to do it, though! Those fees will just drain you. It will all be worth it in the end!
Comment by ms. m&p — September 27, 2007 @ 10:03 pm