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In you opinion, where should I bank?
I recently moved to Sacramento from Bellingham, WA.
The way I bank is so: Usually nothing in my savings account, just depositing into checking and spending via debit card.
I banked at WECU (Whatcom Educational Credit Union),
and here’s what I liked about them:
-Minimum $5 balance in you savings account
-$13 overdraft charge (courtesy pay)
-Completely free checking (no monthly fees, no scheduled deposits, debit card, ect)
I’m looking for something as close to this as I can get.
Wells Fargo screwed me over and is not an option.
The two banks I’m most likely to go with right now are Safe Credit Union or Bank of America.
I just want an outline of what would be best for me….I’m poor and paying a bank to hold my money so I can spend it with my debit card doesn’t sound like fun.
Definitely check out credit unions. The big banks are planning to drop free checking, and the reason is that changes in the banking laws no longer allow them to make huge profits on overdraft fees etc. The bank that announced first was BofA, so they’re out.
If you’re not going to keep money in a savings account, don’t open one. But you should save. Living paycheck to paycheck is seriously bad for your financial health. Admit it – it’s stressful.
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