Posts by Kate Howard3

Could you clarify what you mean by leaving a token? Are you saying you’re paying via your internet connection?
What kind of fees are we looking at now when the bill comes due? It used to be just a couple of bucks... but now, I think some of those big banks offer ten or maybe fifteen free transactions, or even up to twenty if you're lucky...

So my brother is basically breathing down my neck, telling me I need to ask about insurance one more time—is that stuff actually included in that monthly Zaba fan $20?

Honestly, I think I’d be at my happiest if I could just stop her right at the start and be blunt about it—just tell her, "Look, here is exactly what I need."

Nicholas Morales3 said:So, I was at my local Chase branch yesterday:
Basically, these payment assistants are just banking products, much like those "fan" packages or the old "all-in-one" bundles, except they’re stripped down and cheaper. After the teller spent over half an hour trying to push a Zaba fan package on me—and once she realized I wasn't biting—she humbly suggested that maybe I might be interested in just the payment assistant instead.
There are a few different tiers. For example, with the cheapest version, for $6.75 you get free online and mobile banking, account maintenance for both checking and savings, and five transactions. You don't get any insurance, discounts at random restaurants or shops, roadside assistance, or anything like that.
The banks have little info brochures about these payment assistants lying around, though. I honestly don't understand why they don't just put all this information online where it's easy to find.

So, I just got back from the bank. I went in to ask about my mortgage, which is coming due and needs some attention this Monday—there were two people ahead of me, and I ended up waiting an hour, maybe longer. And I know my kid is just waiting for me at home.
While I was sitting there, I watched the teller try to push one of those Zaba fan packages on the woman in front of me. The poor lady just wanted a printout of something that hadn't arrived in the mail... honestly, I'm pretty sure half the stuff being offered to her was completely useless to her.

Anyway, I was already starving, so I decided to dodge the sales pitch. I told her I'd think about which Zaba fan would suit me best.
Now, instead of playing with my little one, I'm scrolling through forums looking for your precious advice.

Here’s our setup: my husband has a checking account, a Mastercard, a foreign currency account, and we pay for everything—electricity, gas, utilities, daycare—through our online portal. We almost never touch the mobile app.

WE DON'T WANT ANYTHING ELSE. No discounts, no insurance, nothing like that.
I know some people say the roadside assistance is handy, but we'll take our chances and skip that for now.

I'm assuming that's just what a cheaper payment assistant is, right?
Please, I might have to head back in tomorrow morning or on Monday, so a quick, straight answer would mean a whole, whole lot.