I don't want to support the banks

I want to close my bank of america account. I read that credit unions are a good alternative, however they seem to all have to be local. I currently live in Central Florida but do not plan on making this my permanent home. I can't open a credit union account for South Florida because I can't just go to one whenever I want while I still live here.

Is there any purely online credit unions or online checking account options that are not with any big banks? I've been looking and can't seem to find anything.

 

Credit unions usually all work together. Mine is local, but I can also use any credit union in any other place. They just have a different form you use. The bank I actually have an account with is 3 hours away in my hometown, but I can use the credit union in my town without any extra fees or anything.

 

You must have banks to have businesses. You gotta have a company bank account

 

Did you open the account in the one that wasn't in your home town? What I mean is, can you or did you open it online or did you have to go there? I want to know if I should take my money out of the account and close it, then go to the credit union to open one in person, or if I can transfer it via paypal or something and do the whole thing online.

 

I think with credit unions you have to go there in person.

 

Yeah, I had to go in person.

 

Damn. Well does anyone know of a third alternative? Other than that, I guess I could just hold onto the cash until I know where I'm going to end up. It just limits me. I can't purchase anything online. The only transportation that can take me to where my family is, is a shuttle that I need to purchase the tickets online.

 

You should be able to go to a gas station convenience store and buy one of those green dot prepaid mastercards or whatever and use that to buy stuff online and pay bills online. Here is an article that talks about adding funds to it at Walmart http://newsroom.mastercard.com/pres...-at-u-s-walmart-stores-via-green-dot-network/

 

I want to close my BOA account, too. A few years ago, I opened an online account with ING•DIRECT. It's good, no fees, no hassle, easy online transfers to other accounts, some ATMs.

BUT last year Capital One bought them. Nothing changed, but it seems like they are a larger bank now. But, having said that, I recommend them.

 

I signed up for the BlueBird card. It seems pretty legit and there doesn't seem to be any substantial fees. Anyone using this as an alternative to banks?

I was looking into credit unions here but the most basic account needs a minimum balance of 750 dollars at all times. It kind of sucks because it's like that 750 isn't really yours if you can't go below that. I'm unemployed and I just need a place to put what little money I have, be able to use direct deposit when I find a job, use paypal with the account, and that's it.

 

According to 'creditunionsonline' there are 159 credit unions in Florida with more than 950 office locations, look there and you will probably find one with an office location near you. My credit union is half way around the world from where I live and I've had no problems with it for more than 50 years, no matter where I happen to be on the globe.

 

Is ING direct still in business. a US - Dutch on-lie bank.

Lots of people use reloadable cards, some have big fees,

 

I don't have a bank account at the moment and I use the green dot card mothman mentioned. I've had no problems with it. I just looked up blue bird and it seems it's through american express. Ever notice that a lot of places don't accept american express? I'd be worried about signing up with blue bird. Anyone know why some places don't accept ae?

 

They got bought out by Capital One and have been rebranded under their name. It's still a 100% online back. I believe you make deposits by transferring from an existing back accounts or using ATM's from other banks or convenience stores.

 

I know there are a lot. At first I was worried about what happens if I move far away and can't get to the physical credit union for any reason, however a lot of people have said what you did, that they didn't have any issues with that. And the second issue was that some of them are now requiring a limit to how little money you can have in your account without getting a fee. I don't want to deal with that so I'm going to do some more digging.

I was worried about that too.

 

Try a regional bank, like BB&T. I think they have branches in Florida. Their policies and business practices are much more reasonable than any of the nation-wide banks. BOA and Wells Fargo are both pieces of shit.

 

My credit union requires keeping a minimum of $10 in your account, and I haven't been to a physical location for over 20 years as I live abroad now that I'm retired. My son had no problems opening an account about 10 years ago and hasn't been in the States since I retired. Check them out and you probably can find one near enough to visit if you wish and should have no need to visit them physically again to use their services. I stay in contact via email as one of my younger friends wife works at the credit union, but is about to retire soon.

 

What do you guys think about Simple?

 

mabye you should use bitcoin? ever check it out?

coindesk.com is a good place to read and learn.

 

^this^