quick banking question

[superdad]

I currently bank with Wells Fargo. I also have a NFCU checking account thats been closed because I owe 400.00 on the account. I also have a secured card with NFCU that I have a 200 limit and owe 150 on. I have been using the card and pay on it every month and have never missed a payment. Should i pay it to zero?

Question is, should i pay the 400 to NFCU "they will reopen my account if i pay it" and move all my banking to NFCU? i really don't want to burn them in the chp 7.

[800who]

It sounds like you're planning to file for CH7 at some point in the near future, if so then yes try not to burn NFCU, if you stay on good terms witht them it'll benefit you down the road when you're building back up from filing and they will be a good go-to lender.