Zaba fan possibilities

Steven Reed said:Both options function as bundled accounts (or rather, 😍 services where you pay a monthly fee to cover everything included in the package 😉)
The distinction lies in the fact that the basic banking assistants don't bundle credit cards—you can have them, sure, but they’ll hit you with an annual fee rather than being part of the flat monthly rate—whereas the premium bundles include one or more credit cards as part of the membership. There is also the matter of overdraft limits: the assistant tops out at $3333, while the premium tiers go up to $30,000 or even higher depending on which tier you pick (and, obviously, based on your salary). Then there's the interest rate on those negative balances—the premium bundles offer much lower rates—plus the number of fee-free transactions, which is higher in the bundles since, well, you're paying more for them. It goes on and on...
@Kimberly Nguyen sorry, I know this post is a bit of a mess, but take a look at the clock (😵) 😍

Steven Reed said:Both options function as bundled accounts (or rather, 😍 services where you pay a monthly fee to cover everything included in the package 😉)
The distinction lies in the fact that the basic banking assistants don't bundle credit cards—you can have them, sure, but they’ll hit you with an annual fee rather than being part of the flat monthly rate—whereas the premium bundles include one or more credit cards as part of the membership. There is also the matter of overdraft limits: the assistant tops out at $3333, while the premium tiers go up to $30,000 or even higher depending on which tier you pick (and, obviously, based on your salary). Then there's the interest rate on those negative balances—the premium bundles offer much lower rates—plus the number of fee-free transactions, which is higher in the bundles since, well, you're paying more for them. It goes on and on...
@Kimberly Nguyen sorry, I know this post is a bit of a mess, but take a look at the clock (😵) 😍

Susan Ward4 said:Someone’s clearly keeping her awake. 😉
Man, such cute little problems.

P.S. For the newbies just joining the thread: Kimberly Nguyen doesn't do the whole "sleeping" thing at this hour: she's busy: doing it: and 😛getting wild:

Amanda Hughes37 said:My husband has that $20 fan, so we dropped by our local banker's office the other day to cancel it—we just don't need it. Everyone manages their household budget differently... we decided we aren't handing over $240 annually because we don't touch credit cards. We don't need an overdraft either; we live within our means and still manage to save. Honestly, the woman practically started foaming at the mouth... we were caught completely off guard. We've known her for years—she's been our personal banker through everything from various accounts to our mortgage... so when she started hysterical, we were speechless. She actually asked how people like us expect to get by in the real world without a credit card?? I calmly explained that I pay for everything with my debit card—it works for me because I can see my balance and transactions in real-time, and I have no interest in dealing with monthly installments. Then she went off about "unforeseen circumstances"... insurance, emergency repairs, subscriptions... anyway, we didn't have time for the lecture, so we told her we'd come back the next day to finalize things, sticking to our guns. She called me the following day to apologize for her outburst... though she made sure to mention she still thinks we're making a mistake.

brightorca10 said:hahaha...unbelievable...I seriously love it when people try to tell me what I need...I had such a massive letdown today...so, I started asking about a mortgage payment moratorium since I'm on maternity leave and my paycheck is basically gonna be the same amount as my monthly payment...and they were just so "helpful," telling me I can either pay ONLY the interest (which is basically 75% of the installment anyway) or I can give them an extra 3% APR on the total remaining balance (around $3667)...I mean, who actually thinks that's a good deal? Where's the benefit in that? Calling it a "moratorium" is a joke if it doesn't even actually defer the payments...and I was only looking for 6 months, not 10 years...honestly, I think I'll skip the freeze altogether. If I can swing $1,800, I might as well just pay the full $2,300 installment and call it a day.

Has anyone else dealt with this kind of nonsense? What ended up happening for you guys?🤷🤷🤷

Steven Reed said:There are also those "payment assistant" packages starting at $6.75 per month—which, if you ask me, basically bundle everything you’re already doing anyway (online banking, checking accounts, and various free digital transactions).
Here is the link to their site Payment Assistant - Modernized

Peter Barnes82 said:What’s the deal with those new Zaba fan bundles?
Word on the street is they want to scrap all the current "Plan 1" options. Then, they’ll basically force us into these Fan deals where the cheapest one starts at $20...
People are actually making more money these days... 🤣