Alliant Credit Union

Saturday, March 3rd, 2018 06:41 pm
darkoshi: (Default)
Online banks usually give much higher interest rates than traditional banks. But like other banks, they are in the business to make a profit.

Credit union accounts are usually only available to members of certain groups, or people who live in certain areas, and their interest rates are also usually much lower than that of online banks.

However, I recently discovered that some credit unions allow anyone to join after making a small charitable donation, and some have interest rates as high as online banks:
Best Credit Unions of 2018

Alliant Credit Union seems the best to me, as it doesn't require a certain number of debit card transactions each month in order to get the good rates. You can join them after making a minimum $10 donation to Foster Care 2 Success.

bank question

Tuesday, December 6th, 2011 11:04 pm
darkoshi: (Default)
Does anyone know... with a Bank of America (checking or savings) account which has a monthly fee, if the account becomes overdrawn for an extended period, does the bank still charge the monthly fee and keep adding that to the overdrawn balance too?

Are there any other fees might get added to an account that was overdrawn and which has had no further activity since, other than the overdraft fees?

the ancient past

Sunday, March 6th, 2011 10:06 pm
darkoshi: (Default)
Going through some old checkbooks of mine, I came across various entries which I had jotted down as "Touchmatic". Apparently that's what my bank's ATMs were called back in 1990, even though I don't remember them being called that.
darkoshi: (Default)
Fucking great.

When I reported the fraudulent credit card transaction to my bank last week, they closed down that account/card number and said they'd be sending me a new card. In order to get the new card via "rush delivery" in 1-3 days, I would have had to pay a $16 fee. (That's more than the fraudulent charge was for!) I opted for regular delivery (7-10 business days) and am still waiting for the new card to arrive. In the mean time, I haven't been able to use it. (GRRR)

However, this month's statement for the new card has been posted to my online account already. Apparently, due to the closing of the old card number, last month's automatic payment did not go through. So last month's balance has been brought forward to this month, with *interest* added (ARGHHH!@). The interest amount is more than the fraudulent charge was for! (GRRRRRR!!!!) Not only that, but the new statement does not mention automatic payment at all, so it seems I will have to get it set up again. (GRRRRR....)

.

The fraudulent charge posed as being pet-store-related ("GOODFORYOURPET"). As I have made a couple purchases from online pet stores in the last year, at first I suspected that one of those sites might have been hacked or somehow related to the fraudulent charge. However, one of those orders did not involve the credit card in question, and the other one was done through Amazon Marketplace - I'm fairly sure Amazon does not pass credit card info on to the retailers.
That leaves just one other pet-related store that I've ordered from, but it was almost exactly a year ago, and I had ordered from them many times before - I ordered vegan dog kibble for Yoda from them, before I found local stores that had it.

So.... either that site may have been hacked, or Amazon was (both of which seem unlikely), or it's just coincidence that the fraudulent charge posed as pet-related.

credit card fraud

Wednesday, October 13th, 2010 10:05 pm
darkoshi: (Default)
FYI for anyone searching on this like I was...

I found a fraudulent $9.96 charge that was posted to my credit card last week. I reported it to my bank and had the card canceled. This is the first time I've had a fraudulent charge to any of my credit cards.

The info listed for the charge was this:
GOODFORYOURPET2066005593 206-6005593 NY

I googled "goodforyourpet" and the number, and found this page where several other people have reported similar fraudulent charges from that entity.

I wish I still had my old credit card which had something called "Shop-safe". It allowed you to easily (via an online page) create temporary card numbers with preset limits and expiration dates, which you could then use when ordering from websites. That way if the site attempted to charge more than the amount you had set, or if the card number got stolen due to lax website security, you were still safe because your real credit card number was never divulged.

(no subject)

Monday, June 25th, 2007 09:04 pm
darkoshi: (Default)
I keep wishing I had my camera for various things. Like taking photos of certain documents before I send them away, so that I have a record of them. I have the webcam, but the quality of the photos it can take isn't very good.

I did use the webcam yesterday to record a few short vids of the yellow meditation/echo room, because the wind was blowing the shear curtains out from the windows so nicely.... I was able to stretch the cam's cord from this room into the other one via the HVAC vents... but then the first vid was over 6 MBs, and in the 2nd vid I intended to record some echoey voice sounds too, but the microphone turned out to not be working :(

So maybe I'll get enthusiastic about that again and try on another day. Still haven't had time to figure out how to get my vids into a format Youtube accepts; that would probably be better than posting them on my site in wmv format.

If the bank is going to deny one of my checks because they suspect it is fraudulent, why don't they just call me and ask?? Instead of just denying it, and letting me find out in my next statement, or when the other party contacts me about it? That's the 2nd time this has happened.

Oh, they emptied my recycling bin today!!!!! It's so wonderful!!!!

The electrician was supposed to call me back today with the estimate. But he didn't.

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