@Green456 wrote:
@Anonymous wrote:
@Green456 wrote:
@Anonymous wrote:
@Green456 wrote:
@Anonymous wrote:
I just got off the phone with them, they got all of the documents, everything is legible, and they said to call back on Friday and they should have an answer but as long as everything checks out, I should be a full BECU member when I call.
I am so gald!
I got a response to my email. They told me my accounts are okay and that they don't need anything to verify me. We will see what happens when my direct deposit posts.
You’re probably fine. I really do think how quickly I went and set up Zelle spooked them. I wasn’t really thinking about how that can easily look like fraud, especially since I had to change email addresses to link the right accounts to Zelle since BECU knocks out both the email address and phone number like NFCU while my current bank, you can choose between email OR phone number.
But if it was going to get flagged anyway, I am glad that it got flagged before I switched things around. At least this way I know they won’t shut me down later, a horror story I have heard with a few credit unions (NFCU being the major one), since shutting me out of my SSDI would be a huge disaster. I would be making use of Zelle and external push and pull pretty quickly so maybe it’s good I was so quick to set it up and get myself locked out now.
I hope so. I did set up Zelle almost right the way too but I did not change email addresses or anything like that. My accounts are still zero right now except for trial deposits, so we will see this week if they flag me or not. I agree it is better to get flagged and shut down early on than months later like NFCU. I really do feel that there is no excuse for what NFCU does. So I hope BECU is more straight forward.
Yeah the NFCU security freezes seem to be very rare these days. NFCU has been getting some flack though. They had a settlement for locking people out of their accounts and now there’s a pending class action over checking overdraft fees related to OOPS protection.
If I don’t get in at BECU in the end, I may decide to just stay with my current bank and use DCU for my savings and keep my NFCU checking in case I ever need to take a cash advance off my Platinum and send it to my bank’s checking.
Clearly this is all way too complex and it’s very easy to see why I would rather just move everything to BECU.
What is your current bank if I may ask. Or you mean NFCU?
1stBank, a regional bank here in Colorado.
Don’t get me wrong, they’re not bad. All customer service is here in CO and they’re available 24 hours a day including holidays, they’re just very conservative and they like to charge fees. They charge $10 a year to have a debit card, for example, and their reasoning is that they don’t charge you for replacements — well if you lose your debit card, you should be assessed a fee instead of all of us paying a fee for the irresponsible people in the world. Or, you know, just take a loss on the $2 it probably actually costs to print out that green and white plastic.
What really holds me back though is they won’t extend me any credit. If they would give me a small PLOC, I would be less likely to leave, but seeing as I never actually keep money in the account, I don’t really blame them for thinking I live beyond my means when the truth is I live cashless as much as possible so I run all of my cash through credit cards to earn rewards. 🤷♂️
