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!

Paypal vs Payoneer

PayPal is not the greatest site to us for money. They will take your money and lock you out of your account for no reason at all. I had to make three different accounts because they kept taking my money from eBay and I got tired of it.

 They held my money from eBay also and would not allow me to drop ship my products and it ended up a mess. I lost over $1,000+ dollars because the took my account and locked it down. I also had them to delete my accounts when I was using it and it is just a mess so I am no longer using them for anything.

If you are looking for a different method that is not PayPal try Payoneer! Payoneer is quick and simple to use. You can basically get paid from anything using it and it is easy to link things to it. I use it for quick worker because PayPal is so screwy and I needed the hard earned money that they kept locking away. Payoneer may have low fees but there are no hidden costs. The low fees are like 1.2%  but you if you have to send money to 200 bank accounts in a batch payment the fee is only 2% so it is not that bad. 

If you are working with freelance, Upwork, Fiverr, Cross|Over, Wayfair, Walmart, eBay, gettyimages, shutterstock, adobe, google, taboola, tradedoubler, vrbo, airbnb, tujia, tunecore, songtrust, then you can use this to get paid. Payoneer is also meant for international users to use also from United kingdom, USA, Japan, and EU everyone can use it. 

Click here and try out Payoneer today! (click this and sign up for a reward)

Being a mom in college

College is difficult when you have 2 kids. It is also difficult when you are trying to rest after getting surgery. I had a C-section December 27th, I got to leave on December 29th. Things are straining us. We are struggling to pay bills. My birthday is January 27th. I don't want to celebrate it I am to weak and tired and hurting. I just want to not be stressed. I want to be able to pay my bill and that will be fine with me. I haven't got a gift for my birthday in about 3 years. I haven't got a cake in God knows when. This is tough. I can't even hold my 1 year old because he is to heavy. I can barely hold myself up to walk, my husband has to help me walk because I cannot. He is also in school and tending to our kids and me all at the sametime and I know he's worried and stressed and I just want to be able to help. I just want to get better and be stressed free.


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