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Has anyone had experience with Wells Fargo Bank and the deal they offer customers who have direct deposit on their account? You can "take an advance on your own paycheck". Of course, there is a fee to do this and its like $2.00 for every $20.00 borrowed. The whole thing plus the fee comes out with your next direct deposit.
To me this is exactly like a PDL, the same kind of trap once you do it, it becomes necessary to keep doing it. The only thing you can't advance more than half of your direct deposit.
I guess I am posting this so everyone who is with Wells Fargo is forewarned.
It sounds like a pay day advance but a little cheaper on the fees. Is this your primary account or do they deduct from your bank account.
This was my one and only account. And as soon as my paycheck would be deposited the amount plus the fees would be withdrawn. So naturally I would need the money, so I would have to re-advance again. And yes, it is exactly like a payday advance, except a little cheaper and done under the "respected name" of Wells Fargo.
You are right Lorri. Since your paycheck gets deposited in Wells Fargo account, I think it would not be wise to take any advance from this account. Moreover, once your salary gets credited in your account, you cannot even see it, because more than half of the amount will get transferred into Wills Fargo account and you will have no hold over it.
Needless to say, I no longer bank with Wells Fargo...not because of the advance deal however.
I also closed my account there..but I did have direct deposit before I left the bank.
Oh, I don't think that I would like that, I would be spent so far a head of my pay range, a pay at a time I would probably spend my way right into debt. That is definately not for me. I get in a hurry to pay things down and I can see that becoming a bad habit for me.
I could see where it would be useful, but if you have the personality like myself it could be a way to dig a big hole too.
Seems like you like the experience was good for you Lorri, if I am reading this right. I use our local bank, like to have my money close to home, I can use the online banking and bill pay, it works for me. I used to have a line of credit on my account for about $1000, I closed it out because I found myself using it when it really was not necessary, so it was more of a headache than a help. It would cover any checks that came in, it was convenient but I found myself over spending instead of conserving money.
Yes, it was a definitely a learning experience. It was there when I needed it and I used it. But, the problem like everything else is you have to pay it back and the money is not/was not available. Lesson learned--definitely.
as long as you have learned something then it was not a total loss.
Yeah---stay away from Wells Fargo (j/k). :lol:
I don't know much about wells fargo, but lord knows I have a few other companies under my belt that would go on this list Lorri, LOL
no need to say more
These companies are loan sharks. It should be illegal to charge such high rates of interest.
What bugs me is that they always act like they want to HELP people. When really it all boils down to money/
It is so easy to be taken advantage of these days. People try to get help so they can get back on their feet so tehy put their trust into comanies like these only to end up in worse shape.
I just really think it makes getting help upsetting and confusine. You really don't know which way to turn or which door to open when all but a few have wolves behind them.
Cause you don't know who to trust.
if youre living beyond your means and you have to keep taking DDA's to survive...you need money management classes. the wells fargo DDA is a lifesaver in a pinch (like a vacation or car trouble) but not something to use all the time (like if youve overspent this pay period by buying 12 pairs of shoes you didnt need.) you will get stuck in a loop. on the brightside though, they only charge 150% interest instead of the 500% the payday loan places do.
I think its cool
Its cool, at least you can count on sone extra pay.
DDA - 50/50 ITS THE BEST!
I split my direct deposit 50/50 between Wells Fargo and US Bank. This way, I have more than the $500 DDA limit available - at any given time.
By using both banks, I have more than 1 full paycheck of NET PAY in DDA available at any given time.
The DDA is less expensive than a PAYDAY LOAN and most banks are willing to provide a repayment term of over 30 days. Most PAYDAY loan companies provide terms of 14-18 days.
Even while experiencing difficult financial scenarios, most banks will let their customers work with the internal collections department. They can help you create easy payment options IN ORDER TO REPAY THE DDA and keep the account open and active.
***WARNING***CAUTION***
TAKE HEED AND LISTEN TO
THE TRUTH THAT LIES WITHIN!
***WARNING***CAUTION***
Before becoming eligible for a DDA,
US Bank FORCES all customers to wait 6 months after opening the checking account.
Wells Fargo is quite lenient in comparison; DDA is available after a MERE 2 months.
Direct Deposit from Bank of America Account
Can I direct deposit from my Bank of America account to Wells Fargo Checking or Savings account ? If yes, pls. send me the form with Account No and Routing No. Pls. respond immediately. Thank you.
Sincerely,
R Modi...
no direct deposit advance for FL
I was shocked to see thie option on the menu to get a loan on my direct deposit. I figured it was worth the two dollars per 20, as I had bills to pay, and a pawn or cash advance cost alot more. To my suprise, they do not offer Direct deposit advances in FL!!! I really dont get it or still believe it. Why????
I closed my account the day they said they told me since I don't have direct deposit they will be charging my account, not only that but I had to maintain some ridiculous balance. Perhaps someone should start charging companies oh like Dr's would don't pay their employees by direct deposit. Why should I have to be penalized. This is BUll Shit.
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Finding someone who shares your values is just as vital as finding someone with good communication skills and the rest of that mushy stuff.
an unexpected: It's truly not that bad, Guys and I'm usually a cynic about these things. naturally, It'll be more difficult than two minutes to set up your profile, But if you join Match wanting to find something serious, You'll take delight in the extra depth.
They'll ask you methods about yourself: looks, faith, say you decided to smoke or drink, and so on, And give you a range of responses aren't just a hard yes or no. They'll also ask about your pastimes and hobbies, With choices like flying and sight seeing, Wine tasting, grilling, clubs and dancing, state policies, faith, And volunteering. Because whilst the mushy, Deep stuff is really important, Match knows that your romantic partner should also be other people you know.
My favorite part was that they let you specify what you want in a partner: You'll choose which of those same personality traits you are contemplating in someone else and rate how important they are to you. here is an example, I'd prefer someone who doesn't smoke cigarettes, But it's not a deal breaker Match lets you specify that preference exactly, And if pick "typically deal breaker, they don't give you potential matches that had that in their answers. This is a super simple way to make sure you're at least somewhat on the same page as someone and gets the surface level things taken care of. This means that those awkward conversations don't come up two months into every thing has become. Finding history of successful the same values as you is just as important as finding someone with good communication skills and the rest of that mushy stuff.
The initial questionnaire only takes above five minutes, And bam: You're set up with a tally, in a position meet matches. alternatively, There's a ton more stuff you'll be able to to your profile to give potential matches even more info. Adding more is discretionary, So you can totally be mysterious if you want but if you're picky or want to avoid future arguments, I'd suggest submitting some more sections.
There's no weird sliding scale that makes you rate how honest or good at conversing you are, And activity that. (significantly, Who's going to confess their faults and say "understand, I'm a liar and horrible at sharing my feelings,) as, Match will ask you to fill out some more reasons for having your home life, hobbies, And interests in a audio manner that just seems really chill. It doesn't feel like a traditional online dating list of questions at all, And that's a decent outcome. unneeded (And from what I've heard from others), plenty of are hesitant about online dating because spilling all of the deep stuff right out of the gate is just too much pressure and too much work.
It might seem strange likely not asking anything about the deeper parts of a relationship, But me, I imagine that is so tacky and what Match is doing is clearly working (Or they wouldn't be famed dating site on the internet). Just go about it.
Match's homepage is attractive and user friendly and that's rare
if you've been on other dating sites before, renovation homepages can get pretty wonky. Notifications for 10 different ways of messaging pop up, Blinking ads with naked parts obstruct clicking on things, And potential matches are plastered anyplace. Having a lot of options is obviously a good thing, But when there's an easy collage of singles with infinite scrolling, you can get overwhelmed.
Match's interface keeps things simple: You're shown one match at one time, Only have five tabs surrounding the top, and there is no scrolling actually, will be barely any scrolling. programs to get the full experience is right in front of you, Clean and organized in a fashion that makes the process calming instead of overwhelming.
There are a few ads,But in my view, They don't really interfere with the buyer experience. yes, They're annoying and slightly distracting if you have so many users paying monthly to use your site, do you really need ads on the home page? nevertheless, I digress the ads are just obtaining ads, And they are certainly not the obnoxious "There are hot singles in your area" advertisements.
receiving a match
in order to Tinder, Match will highlight one profile at a time, and you will decide to match them or skip them. (distinict Tinder, Match gives you significantly more information on the person, So it's not just the blind swipe based on whether you think they're hot or not.)
I have to indicate how nice it is to only see one person at a time. if you're given too many matches at once, You have no idea where to start looking and might miss someone important during the rush. With one by one, You're forced to more consider the person and their intentions, And I wouldn't very impressed if this is part of what makes Match so successful.
Match will take your skips to gather info regarding what you like (Or more so what you aren't happy with), And use complete picture of the to give you more honed in matches the next time around in hopes of getting you closer to your special someone faster. You could easily get 10 or more matches within the first day, through how active you are.
apart from the matching game, another way to find interested folks is to check your interests tab. proper, You'll see other people who have come across your profile and "loved" the car, Given that you' "Yes credit rating" or perhaps a "top" Not really sure what the visible difference on these is, But it's basically telling someone that you are interested without having to wait for them to swipe on your profile. you may also send someone a wink, that may be the dating site version of Facebook poking, But more a little wild. effortlessly, you direct message people, And people can message you without being a match which means you'll have some randoms in your inbox. unfortunately, You can filter your messages to block quickly or under a certain age (Or elevation) and also other specific values. I considered that was a nice touch and a way to keep from getting overwhelmed with 50 unread messages.
People on Match take dating absolutely, and it's awesome
The singles on Match have always been genuine. you might get a few corny pickup lines (Totally faithful, provide a choice), But besides that, it's mostly people being friendly, releasing themselves, Or asking a question to get the hang of you better.
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