For me, the answer to that question is in a request: receipt, please. I collect receipts from all electronic transactions and dump them when they're no longer needed. To make life easier, I have two transaction receipt folders: current year and prior year. Every January PY gets shredded and CY moves to PY. If ever I need anything, it's in there.
I made the switch to a credit union years ago, prompted by my bank and fees.
They hit me with a bunch of fees one month, the month we were looking to buy our first house. There was a timing issue that I hadn't realized that resulted in both my checking and savings accounts being below the bank's minimums at one point during the month. I called them to task on it, and they went through and explained some of the fees.
There was some amount of fee left un-explained, and I remember that it ended in a nickel -- 4.95, 10.15... I don't know. But the last digit was a five.
And they did not have a *SINGLE* fee that ended in a 5! Everything ended in dimes... so there was no mathematical way they could have created that fee!
And when the VP dumbly asked "Would you like us to refund that", I said "Yes".... of course. And then left the bank to go open an account at the credit union our company was affiliated with. Last time I used a bank.
My boss said I should have responded, "No. Refund them all, or I'll move my business elsewhere". Don't know if it would have helped, but it would have gotten the message across.
So what does this support in this thread? Nothing, I'm sure... other than the same type of attitude. And voting with your feet... just because you have mortgages or credit cards with them doesn't mean you have to stay. Even today, credit cards are easily available... even at your local credit union
