TZUTC: -0500
MSGID: 1059.canada@1:2320/105 2d60c4b1
REPLY: 1057.canada@1:2320/105 2d5e1e3d
PID: Synchronet 3.21a-Linux master/123f2d28a Jul 12 2025 GCC 12.2.0
TID: SBBSecho 3.28-Linux master/123f2d28a Jul 12 2025 GCC 12.2.0
BBSID: CAPCITY2
CHRS: ASCII 1
FORMAT: flowed
RM> > Credit Unions are a bit different than regular banks, and likely all
  > > have different fees for various things. I have accounts at 2 major
  > > banks and I never get any fees for anything (as long as I don't do
  > > something dumb like bounce a cheque or something).

MP>It may be the opposite here in the states.  I am a member of a credit union
a
  >hey seem less likely to charge fees than the local banks.  For example, the
  >fee I get charged for using someone else's ATM is paid to the ATM owner...
my
  >CU doesn't charge it.  It has been a while since I have used another ATM but
  >think my CU may also reimburse the charge the other institution charges me
to
  >use their machines.

I don't recall if I ever used a bank machine anywhere but at my bank so
I'm not certain about the fees there. They have ads online mentioning
that if you use their machines at locations other than the bank there
is no fee for it, which suggests there is a fee if it's not one of
their machines. The amount is hard to find and they suggest that
having certain accounts you may not have to pay a fee where you
will with another account.

i.e..  I saw that there is a $1.50 fee for eMailing funds to someone
but I've never been charged for doing that, either because of the
number of accounts I have or because I'm a 'senior'..

MP>OTOH, their interest rates on a checking or savings account are
  >not so great, but neither are many of the banks.

Interest on bank accounts?  What's that ??     B(

Seriously, unless you use special accounts there is no interest
paid on money deposited in the bank these days, and the accounts that
do pay something, pay 1.25% a year or so, hardly worth thinking about.

Of course, at the moment even GIC's are paying less than 3% a year.
(Guaranteed Investment Certificates where you put a larger amount
of money in one for a year or two, usually locked in until maturity.)

---
 * SLMR Rob  * ... BREAKFAST.COM Halted... Cereal port not responding
 * Origin: capitolcityonline.net * Telnet/SSH:2022/HTTP (1:2320/105)
SEEN-BY: 105/81 106/201 128/187 129/14 305 153/7715 154/110 218/700
SEEN-BY: 226/30 227/114 229/110 275 300 307 317 426 428 470 664 700
SEEN-BY: 229/705 291/111 292/854 320/219 322/757 396/45 460/58 633/280
SEEN-BY: 712/848 902/26 2320/0 105 304 5020/400 5075/35
PATH: 2320/105 229/426