How to switch from a bank to a credit union the smart way
Don’t just rush in and withdraw your money, because you might end up hurting yourself. Do it the smart way. It may take a few weeks, but you don’t want to leave yourself hanging.
IF YOU HAVE DIRECT DEPOSIT:
1) Use whatever amount it takes to open up an account at a credit union (research them first to find the one that suits your needs, obviously).
2) Switch your direct deposit to your new credit union account.
3) Wait for direct deposit to actually make a deposit in the new credit union account.
4) Switch all your bills and anything else attached to the old bank account to the new credit union account.
5) Once you are certain nothing is attached to the old bank account, go in there and withdraw your money. Don’t be a dick to the bank employee, they’re just another one of the 99% like you working a job to get by…unless they’re rude, of course. If they ask why, tell them their employer is corrupt and you can no longer do business with them in good conscience and leave it at that. Don’t waste your time lecturing. They probably agree with you but need to pay rent.
6) Put your money in the new credit union account.
7) Get someone you know to do the same.
IF YOU DO NOT HAVE DIRECT DEPOSIT:
1) Open up the new credit union account with whatever amount of money is required.
2) go to step 4 above and follow the rest of the steps.
awkward and probably hugely ignorant question, but what is the difference between banks and credit unions? are they not basically the same thing?
(via shallowxgraves)
