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!

Join paypal here!

Join Current here!

RobinHood

 

Robinhood is a great investment site for cryptocurrency, and stocks. 

You can find all kinds of stocks and companies to invest in which is nice. It will tell you if the company is on their site yet or not and it is free. 

There are no fees when trying to sell or trade. You can even get robinhood gold which has a lot more things to help you with your stocks. You can also earn 4.15% on uninvested cash which is nice. It will even tell you which ones are going up and which ones are going down along with the history so that you can determine which ones is best for you.

If you do not have enough, you can always buy half stocks which is nice but there is a limit on it. 

Click here to get free stock!

Looking for a bank or credit help?

 Are you looking for a card that helps you saves you money and tells you how much you spend on things? Check out chime. 

Chime has so many different offers to help you save money and make money with no issues. It also allows you to get paid early up to 2 days early and can allow you to get so much of your check before it drops and you can pay it back when you get paid. 

 You can load it at just about any store. There is even an option for credit rebuild to help you with your credit. Chime has so many things that it can do which is nice. There are no over drafts fees up to $200. You can rebuild your credit and there are no monthly fees. You can reload the card at Walgreens, CVS, 7 eleven and other places. 

Most atms are fee free. There is also a 1.50%ayp which allows you to save money also you can round up and the cents can go into your saving account which is a nice feature. 

Join chime today -Get a free $100 when you add $200 to your account. Trust me it works.

 The have a referral system if you get anyone to sign up and deposit $200 in their account you both will get a $100.