Hidden Fees Branch Banking

 

Banks, banks a good because they are in person and you can go there if you have any problems but the problem with an actual bank is that they make you sign all kinds of paperwork stating that there is no this or that or overdraft fees because you sign the overdraft protection but yet, when you get paid and try to move money to a banking platform but accidentally hitting the wrong amount button and then you find out that the overdraft protection is on and now your in trouble because you thought the overdraft protection is on but it is not and then they add the bank privilege on top of it and now you owe even more than you expected mind you the overdraft fee is $32+ dollars but you signed a paper and the paper does not matter so now you are $32 in the hole because you were trying to keep the account active by sending money to it.

 

This happened to me and it was not suppose to. I hopped in an chat on the bank asking what is this and why is it like this and they told me I'm opted in to bank privileges and overdraft protection even though I signed the paper, I had to manually go into the banking app and turn it off. No one has said anything about this when I went to the branch because I signed the paper that was suppose to turn it off but apparently opting out on paper did not transfer over into their system and still getting hit left and right because I thought they fixed it for me but no, they did not.

This is why I only bank on online banks. I got tired of the hidden fees and being done every which way. Yes, it was good to have an actual branch to go to but in the end, it is a problem dealing with it and then being lied to and having all these hidden fees that you did not see coming. 

Chime has never let me down, I do not have to worry about hidden fees, I use it every month and or when I get paid from my jobs. I love it because it is easy to use, I have a spot me overdraft in which friends that uses chime boosts me every month and my limit rises. They also have a loan process called my pay you can get once you have had so many direct deposits. 

 This to me is so much better than the branch bank because every time I turned around I was being overcharged and the hidden fees that they have just was not worth it not to mention the monthly fee and other things they charged for. 

Chime offers cashback and deals in which are great because who doesn't like cashback when they buy things.

I also use Paypal for one of the jobs because I get paid in pounds and USD and Paypal converts it for me and then I can use it or move it with no issues. Paypal offers cash back offers in which is a great thing. If I purchase from a website I am not sure of, I can always request a refund and I have had no issues with it. One thing for sure, I would verify my account that way it does not get closed or taken and that is how I still have mine.

If you are trying to boost your credit, Current and Chime  has a credit builder. 

Join chime here!

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Join Current here!