#181 ·
Alright, let me try to get back on track here 😬
It really depends on what you actually need a bank for... I’ve got an account over at Chase, and they're pretty solid when it comes to foreign currency and international stuff—their online platform works fine, too. I can usually sort everything out via email without much drama...
I also have an account with Hyp, and honestly, I’m a fan of their prepaid card... It’s linked to my PayPal, so I just move whatever amount I need from my online banking onto it whenever...
The whole setup (two domestic accounts, two foreign ones, web access for all of them, plus the prepaid Visa debit card) ends up costing me maybe $30 a month, which I don't mind... If someone doesn't need any of that, I guess they could just open a basic checking account for a few bucks a month and just hit the ATM to grab cash, walk around, pay bills here and there... though they'll probably end up losing a little money that way...
Back in the day—like ten years ago—I closed out my accounts at Wells Fargo, stuffed the cash in my pocket, and just took it over to Chase... They were just being incredibly difficult and uncooperative, plain and simple...
And look, if anyone thinks a bank exists to help cover expenses that exceed their actual income, they’re dead wrong...
People always harp on about how you "have" to go into overdraft... Like, it's somehow easier to spend more than you make... In reality, when you're in the red, you're just paying interest...
If we're talking about absolute essentials just to stay afloat—you know, food, clothes, heating, funeral costs—that's what social services or other agencies are for, not banks...
It really depends on what you actually need a bank for... I’ve got an account over at Chase, and they're pretty solid when it comes to foreign currency and international stuff—their online platform works fine, too. I can usually sort everything out via email without much drama...
I also have an account with Hyp, and honestly, I’m a fan of their prepaid card... It’s linked to my PayPal, so I just move whatever amount I need from my online banking onto it whenever...
The whole setup (two domestic accounts, two foreign ones, web access for all of them, plus the prepaid Visa debit card) ends up costing me maybe $30 a month, which I don't mind... If someone doesn't need any of that, I guess they could just open a basic checking account for a few bucks a month and just hit the ATM to grab cash, walk around, pay bills here and there... though they'll probably end up losing a little money that way...
Back in the day—like ten years ago—I closed out my accounts at Wells Fargo, stuffed the cash in my pocket, and just took it over to Chase... They were just being incredibly difficult and uncooperative, plain and simple...
And look, if anyone thinks a bank exists to help cover expenses that exceed their actual income, they’re dead wrong...
People always harp on about how you "have" to go into overdraft... Like, it's somehow easier to spend more than you make... In reality, when you're in the red, you're just paying interest...
If we're talking about absolute essentials just to stay afloat—you know, food, clothes, heating, funeral costs—that's what social services or other agencies are for, not banks...
