this post was submitted on 22 Dec 2025
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Don’t forget to additionally subtract the fee you incurred from allowing your account to go negative!
This is where paying the extra $2 a month for premium banking has its advantages.
Over draft protection, no atm fees, even others, better interest rates, etc.
No, it's just a stupidity tax for not using a credit union that includes all that stuff for free.
Not every credit union does that stuff for free, and not every place accepts credit unions as payments.
Your ignorance is hilarious though.
Also, credit unions don’t have insurance on your savings, banks do. There’s plenty of other reasons to not using credit unions. And saving $25 Fees ain’t it lmfao.
In the United States, this is just blatantly untrue:
From https://mycreditunion.gov/protect-your-money/share-insurance
You realize they all aren’t…? Just because yours does, doesn’t mean all do.
More don’t join, then join. But sure let’s mislead with our fallacies.
You realize some do?
Your original statement was that credit unions don't insure your savings, full stop. Don't spread misinformation and then try to backpedal when you get called out.
One is guaranteed, the other isn’t. Is that so hard for you to comprehend? Or are you just so worried about having a gotcha that you couldn’t read it properly the first time?
If someone can tout that ALL have no fees, which isn’t true, I can make the same claim for insurance. Or is that not how debates work? Because that’s how shit works dude.
Also notice in my original comment I NEVER said bank…? Just banking…? Almost like I covered this angle… since credit union also charge fees and have different tiers of banking……..
Buddy,
Not a lot of ambiguity in that statement.
But please, keep defending the banks and some of their most predatory practices.
My ORIGINAL. Comment, jeeze, you just have an issue reading don’t you?
I bank with a federally insured credit union that is free, does not have overdraft fees and have never had a single problem making any kind of payment. Yes, not every credit union does that, but that's why you research before using a financial institution.
Try reading before reacting.
You pay money to store your money? ATM fees??? 😂😂😂 They've played you like a fiddle lad!