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Salt-Description-387 t1_j1ptw7s wrote

Reply to comment by WaywardDeadite in Good credit unions ? by perfectlyniceperson

Except they charge you a dollar for using your debit card more than 12-13 times in a month. I charge everything as credit so they can’t do that.

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WaywardDeadite t1_j1pu9dg wrote

I've never had that issue. Is that with their fresh start checking?

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Salt-Description-387 t1_j1pwqry wrote

I’ve been with them since 2006, so I’m not sure what the fresh start checking is. But I noticed years ago that my statements were showing $1 charges after I’d use my debit card, so I called and asked. They said after so many debit charges that they’ll charge you $1 for each one after that for the rest of that statement period. So I just charged it as credit or used my low balance credit card through them to pay for things in order to bypass that.

Other than that, they’ve been fine.

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rippybongglockings t1_j1qylw0 wrote

That’s not true. You’re only charged a dollar if you have overdraft from savings to checking. If you don’t keep a balance in your checking account and swipe your card, it will pull from savings and charge a dollar after 3 automatic transfers. This does not apply if you transfer money on your own.

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Salt-Description-387 t1_j1rwe5w wrote

It’s entirely true. I’ve never had an overdraft. Maybe they’ve changed things since then, but this was how it was for years with them. I probably use a debit transaction 3 times a month now but they told me after the 12th or 13th debit transaction they start charging a dollar to the account holder because it costs them money. They suggested running it as credit so that the merchant gets charged the transaction fee instead.

Edit: I’m willing to admit when I am wrong, and I am wrong on this. I emailed them and asked if they had changed it. They said they no longer charge $1 fee after so many debit transactions.

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