American Bank Federal
Conventional wisdom says that a person needs a bank account, a credit card, an investment broker, a car, and a house to be successful. Society tends to measure one's contribution to it by what each person has or what that person can get for it. But do you really need a bank account?
Many people have at least one bank account. Most of the people that this author has talked to about their banking practices disclosed that they often pay a lot in fees for the privilege of having a bank account and receive little or no interest income in exchange for maintaining a balance in their account(s). Further discussion revealed that some of these people spend thousands each year in fees for their bank account. You should consider foregoing the conventional practice of having a personal bank account and establish an account at a credit union instead.
About Banks
Why should you prefer a credit union instead of a bank? This is mainly because of the differences in the profit status of the institutions types. Banks are “for profit” institutions. This means that management is always seeking a profit to return to the shareholders (and there is nothing wrong with that). Banks accomplish this by:
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