I switched from Chase to Neighborhood Credit Union to avoid the ridiculous fees. Unfortunately, NCU does the same thing. Here is what happened to me.\r
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1) I opened a new account with NCU and specifically told them that I don't want any "courtesy" fees charged to my account. In other words, if there is no money in my account, decline the transaction.\r
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2) Within one month, I received a fraud warning. I had to close my checking account, and open a new one.\r
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Here is the kicker. Instead of opening an account with the same terms as I originally opened it, they pulled a bait-and-switch. Unfortunately I did not realize this until nine months later when my account went to $0 and I was hit with several $20 bank fee charges. \r
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They say that credit unions are supposed to serve the members. NCU seems very much like most other banks. \r
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Be very careful setting up new accounts with them. Don't sign ANYTHING unless you read EVERY word. They pulled a switcharoo on me, and I don't want it to hap
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