Subj : Cash for coin..
To   : MIKE POWELL
From : Rob Mccart
Date : Fri Oct 24 2025 09:17:50

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.)

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