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> when you get better service from credit unions and regional banks. Anecdote: I have an account at a credit union connected to my wife's job. They've been re
by Taikonerd 4y ago
> when you get better service from credit unions and regional banks.
Anecdote: I have an account at a credit union connected to my wife's job. They've been really hard to work with. When my wife lost her ATM card, it took like 4 different phone calls to convince them to mail a new one. When I tried to get new checks with our new address on them, that was hard too. They have an Android app, but it's buggy.
Generally, they just seem like they need to hammer out some better business processes for things that customers commonly need.
I guess one thing I've learned is: if you're joining a credit union, make sure they have a physical office close to you. I feel like we could have gotten better service if we'd sat down across from a real person.
- PaulHoule 4y agoI'd grant that what I like about my credit union is going to a branch. Big banks often do better with online banking and it is hard to beat the likes of Capital One and Citi for credit cards although lately there are programs that make it possible for small banks to offer reward cards.
- stjohnswarts 4y agoAren't cards completely orthogonal from bank accounts though? Is there an advantage that I'm unaware of? I have a citi credit card and use a local credit union banking account without any issues at all from either one.
- PaulHoule 4y agoYep, that's what I do and that's what I'd say most people should do.