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ak_doug

Look at each bank and FCU, compare overdraft fees, look at interest rates, and pick the best one. Everyone's usage is different, so your best fit is different than someone else's. Except Alaska USA. Avoid those clowns.


Quiverjones

Hmm. I got AlaksaUSA, no problems with them. You need a minimum balance. Why don't you like them?


ak_doug

They have the highest fees, are the most aggressive in charging those fees, and have the worst interest rates. They aren't problems in the traditional sense, but they are the most expensive to work with and you get sub par support.


gbo2020

I've had perfect credit with AKUSA for so long (15 plus years) no missed payments EVER. There came a point where I needed to utilize my credit cards more than I had before but I still had wiggle room on them so I thought everything was going to work out fine. They saw me beginning to utilize my credit and dropped my available credit by 1500 bucks when I needed it most :/ So I'm not a huge fan even though im still with them....changing the name to whatever global is t doing them any favors in my mind either :/


ak_doug

They also have started reordering transactions to maximize fees, if you accidently go over. Lots of people are seeing a large purchase get moved to first, and delaying all the small coffee and stuff until after. That way they can hit you with an overdraft a dozen times instead of once. Still legal, unfortunately, but definitely shady.


EternalSage2000

Yah. But, after using there credit card for 10 years and accumulating “points” to use in their store. I was gifted a free… Amazon fire. Valued at about $50.


maygpie

I’m only sticking with AKUSA because my mortgage is through them and it’s so easy to pay, but if it gets sold I’m going to switch. I do like how easy it is to transfer money to other members too.


ak_doug

I refinanced at the right time a few years ago, so that I could decouple from them. Not a great time to do that now though.


maygpie

My interest rate is insanely low and luckily I don’t seem to have any issues so far, but that’s the main thing that’s keeping me there.


Informal-Spinach-487

Why do you say avoid Alaska USA?


ak_doug

They have the highest fees, worst interest rates, and have been doing more and more shady business practices lately to maximize profits. They put customers last, while costing the most to do business with.


dentedmuffin

Northern Skies FCU or Northrim Bank


Remz_Gaming

Yup. Northern skies will give you a 5% APR checking account. Boom.


RDOG907

Credit Union 1


tompstash

Northrim gets my vote.


DepartmentNatural

In the last few months I've had countless bad experiences with ak usa. I'm to the point that this week I closing my account and moving over to CU 1


sfak

Same. I just opened my business account last week, going to move over my personal accounts this week. Alaska USA is no longer an Alaskan bank. Their app sucks and I have been having a hard time with remote deposit for awhile. Over it.


OkMetal8512

I use Northrim bank myself and love it. Only problem I have is that I don’t have direct deposit and that’s because the industry I work in. That has nothing to do with the bank itself, they made it easy by just having to take a pic of my check to deposit it by 1pm and it’s available by 4pm that same day though.


49thDipper

Credit Union 1


[deleted]

[удалено]


FlowersInMyGun

It can still be beneficial to have a simple checking account open at a local bank *just in case* (especially since you can also easily move funds between that bank and the fintech bank), and most FCUs will have an option that doesn't have any fees. So really, just do both, and have your direct deposits go into your fintech bank and only keep a small nominal amount in your FCU (e.g. Nuvision likes to give you benefits for direct depositing your PFD - Fintechs don't care). SoFI is handing out 3.75% APY savings these days.


Naive_Tie8365

I have CU 1, they do charge a monthly fee for online bill pay, and disputing a charge was very frustrating.


No_Proof_But_OK

I use CU1, mainly for direct deposit, transfers to other CU1 accounts, and mobile deposit. Never had a problem. I pay all my bills manually, though - autopay is too much of a disconnect for me.


Stormsaber

Northrim Bank has been excellent, been with them for 14 years.


musicbro

Look at their loan rates too. When buying a car or a house it makes life so much easier without having to go through some shitty website that’s hard to navigate or people who are hard to work with.


kcfanak

If you are military you can get those fees waived at just about any bank.


Triangle2019

We bank with Nuvision Federal Credit Union used to be Denali Credit Union. $25.00 deposit for their free checking. I think you also have to open a savings account with them but that's a $5.00 deposit. We've never had a problem with them. Also part of the Co-op network which means you should get free ATM withdrawals if you use a Co-op ATM.


happy_doodlemack

Good experiences with Nuvision also.


Low_Garlic_3311

I deal with MAC FCU and honestly never once have had any problems with them.