Any input?

[RCFL]

Not sure if this is the right page to post this but...

I've just joined the Provident Credit Union and about to dump my BoA checking/saving accounts. What do you guys think? Would you dump BoA to join Provident Credit Union?

[mrlh1980]

---

@RCFL wrote:

Not sure if this is the right page to post this but...

I've just joined the Provident Credit Union and about to dump my BoA checking/saving accounts. What do you guys think? Would you dump BoA to join Provident Credit Union?

---

How long have you been with Bank of America? Do you have free checking? How often do you use Bank of America?

[RCFL]

I've been with BoA a good few years now and I have their student free checking - so fee of any kind. The Provident CU is the same thing, no fee as well... I only use it for checking/saving 

[youdontkillmoney]

---

@RCFL wrote:

I've been with BoA a good few years now and I have their student free checking - so fee of any kind. The Provident CU is the same thing, no fee as well... I only use it for checking/saving 

---

^^^

Think about how you will deposit and withdrawl cash

With BofA there are many BofA ATMs and braches to both deposit and take money out of

How about your credit union, do they have many ATMs/branches or at least rebate ATM fees from non CU ATMs?

I'm all about choices because choices mean freedom

If BofA checking and savings won't cost you anything, why not keep them open

[RCFL]

I rarely use ATM to withdraw money and rarely go into any branches to get money... I have direct deposit from my work. And the CU offers unlimited ATM withdrawls with their affiliate partners and also offers free 4x a month withdrawl from any ATM. FOr some reason, I just think Credit Union is better than big banks... So it's better to have a good relationship with CU?

[youdontkillmoney]

---

@RCFL wrote:

I rarely use ATM to withdraw money and rarely go into any branches to get money... I have direct deposit from my work. And the CU offers unlimited ATM withdrawls with their affiliate partners and also offers free 4x a month withdrawl from any ATM. FOr some reason, I just think Credit Union is better than big banks... So it's better to have a good relationship with CU?

---

^^^

Is there a reason not to have both and keep BofA? (though if you are no longer a student, I think they charge fees w/o direct deposit)

[RCFL]

Correction: Just remember that BoA Saving(regular saving) does charge me a fee ($5 a month) if my saving balance is under $1500, fortunately my saving balance has always been higher than that number. As for my checking account, it is a student account - and I am still in school so no need to pay any fee. It is totally fee free.

I personally think it is too much of a hassel to have 2 checking/saving accounts from 2 different banks. So if you were to choose, would you continue to stay with BoA or just go with the CU ? I know it's ultimately going to be my decision but I want some advices..

[youdontkillmoney]

---

@RCFL wrote:

Correction: Just remember that BoA Saving(regular saving) does charge me a fee ($5 a month) if my saving balance is under $1500, fortunately my saving balance has always been higher than that number. As for my checking account, it is a student account - and I am still in school so no need to pay any fee. It is totally fee free.

I personally think it is too much of a hassel to have 2 checking/saving accounts from 2 different banks. So if you were to choose, would you continue to stay with BoA or just go with the CU ? I know it's ultimately going to be my decision but I want some advices..

---

^^^

My final advice is try the credit union for 2-3 months and if you're happy close the BofA.

[RCFL]

Advice accepted! That was my plan ...

Thank you guys ! This forum is the best...

[takeshi74]

---

@RCFL wrote:

Would you dump BoA to join Provident Credit Union?

---

Can't speak to Provident but I'd definitely dump BofA.  That said, you need to do what works for you.  Try out Provident and see how you like them.  You don't have to immediately close your BofA account.