this post was submitted on 15 Feb 2024
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Maybe we just shouldn't have massive faceless banks then? No one is asking for that
But we, the consumers, did. By putting all our money in them, and continuing to bank with them as they gobbled up all the local banks and became mega banks.
It’s a consequence of the barely-regulated capitalist system that we have, sure, but it was driven by decades of consumer (mostly boomer) complacency.
I never asked for my bank to be bought by another bank. I have no say I'm the matter and it keeps happening. Pisses me off every time. I switched to a credit union
Then you did the right thing.
Unfortunately, you are an anomaly.
Even more unfortunately, the big banks have more power and capital and as a result can offer loans on better terms than the small community bank or CU. For a credit customer, even a half a percent can make a huge difference in monthly payment and total cost.
For the credit customer faced with the choice of which line to sign on, it’s really tough to stick to your guns and pay more, intentionally putting yourself at a disadvantage.
Example, when I bought my wife’s car, I came in with an approval letter from my CU. The interest rate was really good. But the bank was near my work, an hour and a half away, and I’m a telecommuter now. Ain’t nobody got time for that.
Still, I told the salesman to run it with their banks. I doubted they’d be able to beat the rate.
They did. By a quarter percent. Not much, but when it also means they handle all the paperwork and I don’t have to take 3 hours out of a weekday to drive into and out of the city, plus actually handle the paperwork myself…
I went with their bank. Sue me. At least it’s a community bank.