General Discussion

GulfCoast66

(11,949 posts)

63. Everyone should have an account. Lots of people think they can't afford it because they think Bank

Fri Apr 10, 2020, 08:39 PM

Apr 2020

Banks are there to make money.

However Credit Unions are nonprofit and mine does not charge for an account. I’m a member not a customer. This is something all Americans should be made aware of.

My mother, an executive assistant( she refused the term and still in her 80s says she was a secretary) was actually on the board at her credit union for years.

When I used to file my taxes by mailing them in it could take 6 weeks to get my check. This year I got my refund deposited into my account in a week. Printing and mailing millions of checks just takes time especially when with less than a month to prepare. It a logistical nightmare. This is one thing we can’t blame Trump for. I doubt any human even looked at my tax return. It is simple as hell with a married couple taking the standard deduction. No extra income or special deductions. Looked good, approved, start routing the funds to my account.

Choices have consequences.

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People who choose not to have bank accounts are being discriminated against in the stimulus package. [View all] nilesobek Apr 2020 OP

In other news, the Internet is faster than the US Mail. n/t PoliticAverse Apr 2020 #1

Thanks for the snark. Got any constructive criticism? nilesobek Apr 2020 #2

Look for a credit union in your area that offers free checking accounts and open one. n/t PoliticAverse Apr 2020 #3

This message was self-deleted by its author elocs Apr 2020 #74

Printing and mailing 100 million checks takes months Cicada Apr 2020 #6

You're right, it's not fair. Captain Stern Apr 2020 #4

So What??? It's another way to eff the poor!!! arthurgoodwin Apr 2020 #29

Then, what do you propose? Captain Stern Apr 2020 #33

Some thoughts: mahatmakanejeeves Apr 2020 #35

The person can get an online checking account set up. Blue_true Apr 2020 #47

Few things in life are "fair". Blue_true Apr 2020 #44

Our Credit Union checking issued a debit card when we opened the account YEARS AGO. You can use napi21 Apr 2020 #80

Check into it anyway forthemiddle Apr 2020 #65

bollocks, here is a totally free checking account, took me 15 seconds to find, AND it is more Celerity Apr 2020 #70

This message was self-deleted by its author elocs Apr 2020 #75

it's like people with flip phones saying it takes longer to text Skittles Apr 2020 #5

+1 nt NutmegYankee Apr 2020 #17

My question is do I have to wait for mine? blueinredohio Apr 2020 #7

I owe every year to so I'm thinking we're waiting to get the check jimfields33 Apr 2020 #8

Thanks for the info. Now I'll wait to see if I get it before Trump steals it all. blueinredohio Apr 2020 #12

You and me both jimfields33 Apr 2020 #19

They are supposed to set up a website for us to give them banking info Maeve Apr 2020 #15

Do you have a link to the website that provides the check information please? Sunlei Apr 2020 #9

It isn't income or taxable FBaggins Apr 2020 #11

very nice to know I won't have to pay taxes on my check! Thank you Sunlei Apr 2020 #14

People who choose not to have bank accounts are discriminating against themselves FBaggins Apr 2020 #10

I don't CHOOSE to not have a bank account. I don't have one because I'm too poor to afford one. n/t arthurgoodwin Apr 2020 #31

Then you don't fit the scenario the OP is talking about, do you? n/t FBaggins Apr 2020 #32

You're too poor NOT to have one. Codeine Apr 2020 #36

Plus 100 million. Celerity Apr 2020 #66

Truth! WillowTree Apr 2020 #69

But you can afford internet and a tablet, phone or laptop to access it? Kaleva Apr 2020 #46

When I was totally broke after the failure of my first business, I Blue_true Apr 2020 #48

problem solved Celerity Apr 2020 #71

My mom said my relative is getting hers on some sort of debit card that they send out. 🤷🏽‍♀️Nt helpisontheway Apr 2020 #13

I've never heard customerserviceguy Apr 2020 #38

The IRS is actually looking into issuing stimulus debit cards. WillowTree Apr 2020 #73

How do you get by without some sort of a deposit account at a bank or credit union? Buckeyeblue Apr 2020 #16

Buying a money order is only a problem if a person does it a lot. Blue_true Apr 2020 #49

I hate using checks I_UndergroundPanther Apr 2020 #58

At a buck each, that is more expensive than checks. Blue_true Apr 2020 #59

I only use two I_UndergroundPanther Apr 2020 #60

Sorry, but logistics are harder with a check Johnny2X2X Apr 2020 #18

Yes, and the chances that checks will fall into the wrong hands Hortensis Apr 2020 #23

Putting your bank info out on the Internet isn't risk free either. rzemanfl Apr 2020 #26

Nothing is. But if Nilesobek voted to create our Hortensis Apr 2020 #27

Whether you put it there or not, your bank information is out there. Blue_true Apr 2020 #50

I have not seen a cancelled check in many years. rzemanfl Apr 2020 #51

I make installment payments... OneGrassRoot Apr 2020 #20

You can't deliberately exclude yourself from a system Codeine Apr 2020 #21

Imo, you're not entirely fair in casting this as victimization. Hortensis Apr 2020 #22

If you can get by without a bank account, you probably are not in dire need of the stimulus Kaleva Apr 2020 #24

This message was self-deleted by its author elocs Apr 2020 #25

OP is talking about people who choose not to have a bank account Kaleva Apr 2020 #28

Exactly blogslut Apr 2020 #30

People who choose snowybirdie Apr 2020 #34

Why exactly customerserviceguy Apr 2020 #37

Monthly fees. Not everyone can afford them. NT mahatmakanejeeves Apr 2020 #39

How much do check-cashing places charge? MineralMan Apr 2020 #41

That's why customerserviceguy Apr 2020 #42

It takes a lot of money to be poor in this country. NT mahatmakanejeeves Apr 2020 #43

I have indeed observed that customerserviceguy Apr 2020 #45

took me all of 15 seconds to find a completely free checking account Celerity Apr 2020 #68

That's swell if you have a smartphone or a computer and internet access. rzemanfl Apr 2020 #76

if they are posting on here they have internet access nt Celerity Apr 2020 #81

I said that. n/t rzemanfl Apr 2020 #83

Possibly at the library. mahatmakanejeeves Apr 2020 #84

I don't know, but all but one payment that comes to my wife and I MineralMan Apr 2020 #40

So, everybody should have to wait 8 weeks? stopbush Apr 2020 #52

I get it. But not sure the 93% with bank accounts should have to wait for Hoyt Apr 2020 #53

Social Security went to direct deposit starting (according to what I see on line) PoindexterOglethorpe Apr 2020 #54

NOT, it's rational, elleng Apr 2020 #55

Well Fuck all of you for piling on the OP matt819 Apr 2020 #56

Amen. New Breed Leader Apr 2020 #57

OP deserves it IMHO Kaleva Apr 2020 #61

Well said! JesterCS Apr 2020 #62

Its ok I'm just disappointed with this outcome. nilesobek Apr 2020 #72

This message was self-deleted by its author elocs Apr 2020 #77

Everyone should have an account. Lots of people think they can't afford it because they think Bank GulfCoast66 Apr 2020 #63

Thanks to all that replied. I had to check myself before I ended up in the DU stockade. nilesobek Apr 2020 #64

This message was self-deleted by its author elocs Apr 2020 #78

But at least their check will have Trump's signature Generic Brad Apr 2020 #67

Yes, it sucks. But can they logistically send out tens of millions of checks that fast? Flaleftist Apr 2020 #79

Exactly how many checks do you think they can print and mail per day? Marrah_Goodman Apr 2020 #82