![]() ![]() I'm just someone who's responsible enough to use big banks without losing money to completely avoidable fees. Personally, I don't give a shit and just want my business done correctly and efficiently, but whatever floats your boat.Īre you that oblivious or are you a banking Stockholm case? They offer good perks because they need to in order to survive if they didn't, people would just go to more convenient banks.Īnd that's great if you care about them knowing your name. ![]() They use your money and make more money just like any other bank. They most certainly are not "paying you" to have an account with them. They are paying me to have an account with them. They also reimburse all ATM use nationally up to six times a month. My small local bank offers no fees, no minimums, no required monthly deposits, and they know me by name. Others waive fees to entice more customers. Some banks charge more fees because they can. Why do you think credit cards get so many perks? It's because irresponsible people make money for the banks by going in debt and paying interest.Īll banks make money the same way: interest on loans, interchange fees and service fees. That's how the financial industry works, yes. Because they are a business and they need to make money that way. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit.īased on what you just said, you're getting your free checking on the backs of the poor pleebs paying the fees. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices powered by the DAA or through the Network Advertising Initiative's Opt-Out Tool. ![]() Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. Relationship-based ads and online behavioral advertising help us do that.īank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). ![]() We strive to provide you with information about products and services you might find interesting and useful. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Neither Bank of America nor Zelle® offers a protection program for any authorized payments made with Zelle®. See the Online Banking Service Agreement at /serviceagreement for further details. We will send you an email alert with transaction details after you send money using Zelle®. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. We recommend that you do not use Zelle® to send money to those you do not know. Zelle® should only be used to send money to friends, family or others you trust. ![]()
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