So I went into my bank (Regions) on Friday to close my account because of the new fees. The branch manager asked me why. I told her that I was not going to pay for checking. She proceeded to tell me that "All" banks are going to start charging for checking and debit card use. I told her that I had a new account at the credit union. She said they don't have many locations around. I told her there was one right up the street and closer to my home than Regions. She said they charged for each debit card purchase. I told her it was free if I ran my card as credit. She gave up.
I was nice and told her it was nothing personal but most banks are adding 4 and 5 dollar fees to use the debit card. Regions was charging 4 for the card and $10 per month for the account. She said if I did direct deposit that the $10 dollars would be waived. I responded with " that is not fair to all your customers" Not all places of employment offer direct deposit, and if someone is on unemployment they could not do direct deposit.
She did in the end admit that they were loosing "many" customer due to the new fees. She even went so far as to say that I was the 21st that day to close my account just at that branch. They open at 9a.m. and I was there at 11:30 a.m.
I hope when all is said and done these "Giant Monster Mega Banks" (Clark Howard's words) realize that if people aren't putting their money in they will go out of business. Greed plain and simple.
On a good note I think I am going to be happy with my new Free account at the Indiana Members Credit Union. Thank you Donna for all your help.
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