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Warning: my regional bank's instant transfer cost me $45 in overdraft fees
Tbh I switched to a local credit union in Austin after my old bank kept delaying ACH pushes. But their "instant" transfer between my checking and savings actually took 18 hours to post. I paid a $32 water bill expecting the money to clear, then got hit with $45 in overdraft fees the next morning. Has anyone else dealt with credit unions that use a different settlement window than the big banks? I'm thinking about keeping both accounts now, but that feels like overkill.
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