silentowl7 said:If you don't mind, where did you see that? 🙂 I can't find anything online about which fan it's included in...👎
Just head down to any local branch and ask them for the brochures covering the dynamic, classic, and flexible options—each one is laid out clearly. Personally, I lean toward the dynamic one because of the M-Zaba fan. 😍
Honestly, I don't think they could have designed a better system than this 🙏 It effectively prevents those clients—you know, the ones who aren't actually interested in buying extra services—from being badgered a hundred times over whether they want them or not. Now, people can actually choose if they want Chase Bank to send updates about new offers and decide how they receive them—via text, email, or even snail mail... Because I just absolutely loooove getting unsolicited news updates. 😉
Larry Collins2 said:I don't get why they're killing off these "all-in-one" bundles unless it's out of pure, unadulterated greed—which, honestly, is a pretty standard move for them 😁. If that's the case, I'm doing the same thing: ditching the premium tier ($480 a year) to pay for services individually. Here's how that looks: - standard USD checking $6.75 per year - foreign currency account $12 per year - Mastercard $50 per year - online banking - $40 per year
Did I miss anything? Is there no annual fee for a debit card? And will I have to pay for a security token $24, or any fees for my existing automatic bill pays?
But honestly, what would make me happiest is if they just added a note to my account profile saying, "Do not offer this customer any services unless specifically requested."
You already own the token—why on earth would you pay for it again? 🤷 As for those standing orders you've already set up, they won't charge you a setup fee; that's only for new ones. From what I understand about the new Chase Bank offerings, they're actually adding an option to opt out of the bundle entirely. It should show up on your profile for all tellers to see—so you won't have to deal with every single employee at the branch asking if you want to sign up for more stuff.
plus my computer just died 😠 it was like this two months ago 😠 besides, using my phone is just easier—no need to deal with step one or step two... it’s just more intuitive (what can you 🤷 , honey 😍) via mobile than through a desktop site. I get it, I hate seeing services people actually enjoy getting shut down, but honestly, the Zaba fan is totally fine given the m-Zaba situation.
Peter Barnes82 said:Personally, I think paying an annual fee $440 just for bank packages for my wife and me is a joke... She just uses a basic checking account while I use a Mastercard to run about $5,000 to $8333 a month and handle everything via online banking... To me, $18 paying that much every month feels like we're just letting greedy bankers shear us like sheep... I’m honestly ready to hand back all their cards and close out those credit lines I don't even need...
I don't get it—why would you even bother with a Zaba fan package if you're just using ECMC and a basic checking account?🤷
Mark Sullivan62 said:That’s a pretty solid reason you've got there, I guess.
Right now, I'm sitting on the Expert package, which runs me $13/month, and all my payments (straight from the bank) come out at just one dollar flat per transaction.
But look, a Zaba fan costs $20 and you get 15 free transactions thrown in for good measure.
So, when you actually crunch the numbers, you’re paying $1.75 more regardless of how you slice it.
It isn't about $1.75; it's about being able to settle my bills even when I'm away from my computer... and for that convenience, I'll happily pay $20 instead of $1.75 😉 . Chase 🙏🙏is still 🙏🙏
The cheapest option is $18 😉 I use the dynamic account—and honestly, I couldn't be happier with it. Sure, it’s $20, but I get 15 free mobile or online transfers through the app every month—to me, that alone justifies paying those extra $20 per month 😍
Look The total amount has to stay under your limit—if you're using a Debit card and your limit is $3333, then the total price for everything you buy on an installment plan can actually be up to $3333. With a standard Mastercard, you can pay in installments, and only the monthly payment itself counts toward your credit limit.
A few years back, Goldman Sachs was handing out mortgages even if you didn't have the credit score to back it up. Is that still 🤷 the case? As for Wells Fargo or Bank of America... I know that regardless of the mortgage, they'll still demand proof of income to ensure the loan actually gets paid back 😉 .
Just head down to any local branch and file a formal complaint. My magazines didn't show up right away either—but once I actually made a fuss about it, they finally started arriving.
You make a fair point—since the deposit is tied directly to the housing savings contract, you end up pulling both the Democratic Party's influence and interest on those funds
The first misstep here is assuming the APR is monthly—it’s likely closer to 4.5% annually (though you seem to be calculating it as a monthly rate) If that CD is set for a six-month term, your math is going to be wildly off $3408 😉
From what I’ve gathered—and I could be wrong here—this is basically a savings plan. After two years, you use those savings to pay down a chunk of the loan principal. At least, that’s how it used to work 🤷 Does anyone from Fannie Mae care to clarify this? 😉
edit: reading their official site now: A creditworthy debtor (if the debtor isn't creditworthy, one or more creditworthy co-defendants/joint guarantors must step in) can apply alongside a creditworthy co-defendant or joint guarantor, provided there's a lien placed on a property with a value equal to the loan amount at a 1:1 ratio. Alternatively, a creditworthy co-defendant or joint guarantor can be replaced by using Fannie Mae savings totaling 20% of the loan amount.
If the ratio of the loan amount to the property's appraised value is at least 1:1.2, then just a creditworthy debtor combined with Fannie Mae savings equaling 10% of the loan amount will suffice.
If the ratio of the loan amount to the property's appraised value is at least 1:1.3, a co-defendant or joint guarantor must join the debtor to meet the joint creditworthiness requirement.
In cases where the ratio of the loan amount to the property's appraised value is at least 1:1.5, a creditworthy debtor can satisfy requirements via a life insurance policy covering at least 50% of the loan amount—with a cash surrender value of at least 15%—assigned in favor of Fannie Mae.
If Fannie Mae savings amounting to 50% of the loan can be offered as security alongside a creditworthy debtor, a property lien won't be required to secure the loan. c/p from the official Fannie Mae website
Michelle Foster13 said:But honestly, if it's a go, then I'm all in—whatever happens, happens!
The only thing really bugging me is actually signing the paperwork. I mean, us regular folks can read through a contract and think we get the gist, but then six months down the line, some random clause pops up about interest rates or loan terms or something... and suddenly everything changes.
Do I seriously need to hire a lawyer just to sign this thing, or am I just being totally paranoid? 🤷
🤣
If you're talking about signing for a home savings plan (interim financing), you can sign without worrying. The savings agreement itself doesn't bind you to anything—under US law, these types of savings products are entirely voluntary. Just don't hand over a single cent until you are absolutely certain you qualify for the specific loan you want. 😉 Specialized housing savings institutions often have different lending requirements—things like credit score thresholds, mortgage amounts, or guarantor needs—compared to major banks like JP Morgan Chase. So, check your creditworthiness, see if they'll demand a co-signer, and figure out the required mortgage ratio before you pay anything. 😉
—their returns were massive precisely because they were small enough to maneuver—they could pivot faster than anyone else on the market Now we’ll see what happens once they've ballooned with huge deposits—will they actually deliver the same kind of performance they saw last year? 🤷—do I really need to remind you about how Wells Fargo performed over the last couple of years😉—that was my Fund . On a serious note, if people are being coerced into using specific Asset Management firms for their accounts or loans, that absolutely needs to be reported to the CFPB! Listen, folks—this is your retirement. Nobody has the right to force you to hand it over to someone you don't trust!