Submitted by perfectlyniceperson t3_zvdtvj in springfieldMO
WaywardDeadite t1_j1pu9dg wrote
Reply to comment by Salt-Description-387 in Good credit unions ? by perfectlyniceperson
I've never had that issue. Is that with their fresh start checking?
Salt-Description-387 t1_j1vhz2g wrote
I was wrong. I emailed them and they said they no longer do this.
WaywardDeadite t1_j1vi406 wrote
Oh, ok. Thank you for the info!
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.
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.
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.
Salt-Description-387 t1_j1vhwav wrote
I updated my response to you. I was wrong.
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