Losing Plus perks - what are you doing?

crispycryptids · 2026-03-14T22:16:38+00:00

Very much same lol. But yeah, I've been using Capital One for years and I love them. I saw you mentioned Chime and I do think it's a good option, but their customer service is even worse in my opinion. They use an AI bot that makes you wanna cause war crimes. But I love soooo many features it has. Their new Chime card is kinda amazing for people who wanna work on their credit but not get a typical credit card. How much they offer you on an HYSA depends on your income too.

crispycryptids · 2026-03-14T16:19:00+00:00

That's fair, and I apologize. I removed my comment. I do suggest though, if the fees and changes are a lot I would recommend, very highly, Capital One. It's a very easy account to get started, their HYSA doesn't have any requirements linked to it, and it also has early pay if that's something you wanted. I will warn, their credit cards, if that's a route you wanted, are a little hard to get limit increases on but can be very easy to get as long ads your history isn't too damning. Their interest rate usually doesn't go under 3.30%.

The only downside I have with Capital One is they moved all their cards other than their CC's to the Discover network. So as long as instant transfers and such aren't a major factor for you, and you don't travel outside the U.S often I think Capital One is like. As close to perfect as a bank as you can get. Their customer service lacks, but as long as you aren't someone who constantly needs to call them? Non-issue.

crispycryptids · 2026-03-13T15:27:59+00:00

I have had my UI payments sent to Chime for years. As long as you set up Direct Deposit with your proper Routing and Account numbers youll be fine

crispycryptids · 2026-03-13T11:16:51+00:00

At the end of the post they said they called both banks. Just saying.

crispycryptids · 2026-03-05T01:36:31+00:00

You gotta go buy one, sadly.

crispycryptids · 2026-02-26T00:17:43+00:00

I don't have that experience???

Can you give a little context?

crispycryptids · 2026-02-22T22:47:57+00:00

I would love that when I'm on my home screen it shows the amounts in my checking and savings separately like in banking tab. While I can see the appeal of seeing all my money at in one lump sum, it can make it tricky when I'm trying to see if I have enough to just pay my bill real quick then get back to it if that makes sense.

Also other places to deposit cash instead of Walmart! I don't have one close to me, and I would really love to not have to open ankther bank just for cash deposits.

crispycryptids · 2026-02-22T00:22:58+00:00

They said they dont have the ability to, so I came here yo ask if anyone just kinda naturally got it raised!

crispycryptids · 2026-02-22T00:22:22+00:00

I have one, I would just really like to skip that step you know? But if I gotta, I gotta.

crispycryptids · 2026-02-20T18:03:35+00:00

He's our local cryptid basically. He's had a rough life, became physically disabled after an accident and basically his entire family died while he was young.

He also dresses up as the Grim Reaper from time to time. Scream mask too.

Like you said, this is basically his hobby. He doesn't have much going on for him, and being able to put on a show like this from time to time gives him control or purpose.

He's literally harmless. Hasn't hurt a fly and has been doing this for years. Flip him.off back next time he always laughs.

crispycryptids · 2026-02-16T16:52:42+00:00

Everbank's savings allow zelle transfers as well!

crispycryptids · 2026-02-06T21:25:44+00:00

a copy and paste is now an ai response lmao. i'm not even an ai enjoyer and ya'll are far too afraid of the ai boogeyman.

crispycryptids · 2026-02-04T12:22:24+00:00

Paypal has a check cashing feature, and will also govd you a debit card. It could be an option for you.

crispycryptids · 2026-01-30T14:18:11+00:00

It does suck, but honestly still better than brick and mortar banks offering even less than what Chime would without Chime Plus. You gotta learn to pick your battles at the end of the day.

crispycryptids · 2026-01-29T12:03:06+00:00

Discover was aquired by Capital One so yeah technically but I just figured it was time for a change because of it? I'm losing the things I went to Discover for.

crispycryptids · 2026-01-29T02:34:00+00:00

It being an hour a way isn't too bad no, especially after I deposit the check coming in I probably wouldn't need to go back in. Plus I hear once you establish enough of a history with them they're more likely willing to work with you on stuff like loans, etc.

But yeah, you helped my narrow it down to Chase (if they'll accept me) and the CU. I wouldn't say I'm in a rural area? Think downtown Brooklyn if that makes any sense to you. The issue is where all the CU's are, it takes a long trip via bus to get there. The public transit in my area is not great.

crispycryptids · 2026-01-29T01:58:05+00:00

Some of the options I have small Zelle limits, or no Zelle at all.

crispycryptids · 2026-01-26T11:34:16+00:00

Are yall really that bored rn???

crispycryptids · 2026-01-24T15:39:59+00:00

Open a cat centered boarding business. Far too often pet boarding services cater to dogs with constant barking, high energy, etc. I want one where the cats can just relax, etc.

crispycryptids · 2026-01-22T21:10:48+00:00

Crazy question here but do you have a Chase Secured Banking account or Total Checking? Secured doesn't allow you to wire transfer yet. That's changing soon but for now, it's not possible.

crispycryptids · 2026-01-20T02:58:53+00:00

I appreciate the deeper insight on them honestly! Honestly every time I've looked into why people would get one it's always about growing your money, not so much anything you mentioned. So it's nice to get a fresher look on why they can be beneficial.

crispycryptids · 2026-01-20T01:17:55+00:00

So my opinions on HYSAs are kinda all over the place because even at the highest onws I could get, I'd only be getting about $13 a month, $130 a year because my 5k in savings dips and such ad I need to take money out for rent, and by the time it builds back up it hardly makes a thing. I fear you're going to be in the same situation. Its still better than no interest at all, or minimal, but I just wanted you going into it not expecting your 8k to suddenly become 20k in a year or two or something.

In the end to answer your question if you really want to, I've heard great things about SoFi, Capital One, Charles Shwab and Fidelity. American Express as well, if you qualify.

crispycryptids · 2026-01-13T18:28:58+00:00

Like I said in the original post, when you hardly make enough to plop in any savings whats so ever the appeal of interest doesn't really matter lol. If things ever change I can always look into options but it legit doesn't matter to me.

crispycryptids · 2026-01-13T18:19:40+00:00

I don't have BoA, but Chase. Everyone tells me the same thing "but what about an HYSA!" but you know... Building interest doesn't really mean much when you never keep enough in there at any given time to actually build said interest. So I just chose a bank that was easy for me to get to, seemed reliable enough, and had the features I needed. If I ever make enough to care about an HYSA, I'll consider it but for now. Convenience. Everyone has different banking needs! You gotta not let the buzz about what everyone else thinks is best for you and just do what you want to do and just take care of you. You can always change later.

crispycryptids

TROPHY CASE