(Closed) DH's ridiculous allegiance to a bank causing me grief…

posted 4 years ago in Married Life
Post # 3
Member
2499 posts
Buzzing bee

@fresitachulita:  I think having two accounts is actually a great compromise. I have two questions, though. Does he make enough money from one of the jobs so that you could pay the rent out of just the Chase one? Also, does he have direct deposit for one or both of the jobs?

If they’re both joint accounts, I think you could easily work around all the issues you’re having.

Post # 5
Member
3082 posts
Sugar bee
  • Wedding: July 2014

@fresitachulita:  make him pay the bills. So he can see how it’s annoying. 

Post # 6
Member
2550 posts
Sugar bee
  • Wedding: April 2013

@FoxyBride14:  +1 to this suggestion. say that it’s too much for you to keep track and he can take care of it.

Post # 7
Member
2499 posts
Buzzing bee

@FoxyBride14:  +1! I don’t think it’s fair for him to regulate the manner in which you pay the bills.

@fresitachulita:  If he’s so wedded to the idea of staying with his credit union, would it be possible for you to keep it open by maintaing whatever minimum balance you need to maintain in order to avoid monthly fees? By keeping a small amount of money in there, you can designate it as an “emergency fund.” That would make it necessary (which should appeal to your practical side) while also appeasing your husband. Putting the majority of the money into the Chase account would make it so much easier on you.

Post # 8
Member
14067 posts
Honey Beekeeper
  • Wedding: June 2011

Can you just split up the pay check and put more into Chase?  Why does he have to deposit anything into the credit union account? 

Post # 9
Member
10509 posts
Sugar Beekeeper
  • Wedding: January 2011

I think it’s good to have 2 banks.  I’ve seen it where one bank has an issue (either completely, or just with your accounts) and everything is frozen.

That said though, I wouldn’t keep a bunch of money in the 2nd account.  All his paycheque should go to one.  I have about $10 in my backup chequing, but it’s connected to a few online banks where savings/GICs are, so if I needed it, it’s there.

Post # 10
Member
207 posts
Helper bee
  • Wedding: November 2013

I could have written this post. FI’s relationship with his small town bank is similar to your DH’s. I bank at a multi-national bank which would be much more convenient should we travel abroad. Luckily, he understands this and is willing to move all his checking to mine and keep a savings at his.

Post # 12
Member
7194 posts
Busy Beekeeper
  • Wedding: October 2010

I have a similar issue with our car insurance.  DH has State Farm and I have Geico.  He won’t switch… for no good reason I can see.  I have a goood reason: When I was separated from my ex husband I needed to change the address on MY policy for MY car (his name was not on either).  State Farm said they needed to talk to my “husband” to make any changes- even just my mailing address.  I had to get my soon-to-be-ex-husband to call them and tell them it was ok to swtich my address.  I was LIVID, and switched to Geico later that week.  But DH likes State Farm and won’t switch.  We’ll be married 3 years in October… oh well.

Post # 13
Member
2426 posts
Buzzing bee
  • Wedding: May 2012

I’m confused, can you not do electronic transfers between the accounts? Until recently I had 3 checking accounts and never had to go to a branch to transfer money. I’m able to do it electronically through all of our banks online banking systems (one of which is a local credit union)

Post # 14
Member
10509 posts
Sugar Beekeeper
  • Wedding: January 2011

@ChemistryBride:  I can’t link my 2 big banks.  I can do transfers, but it costs money.

To get around it, we’ve just either written cheques, or transferred money to an online bank, and then to the other chequing account.

Post # 15
Member
2426 posts
Buzzing bee
  • Wedding: May 2012

@AB Bride:  Hmm, interesting, I haven’t encountered that. I think one of my banks charges to transfer out, but not in, so I always just keep the lower balance in that account and transfer money in when I need. 

Post # 16
Member
3683 posts
Sugar bee
  • Wedding: December 2011

@fresitachulita:  Sometimes credit unions will participate in networks with other CUs.  This allows the members to transact their banking stuff at branches of all participating credit unions, not just their own.  Can you find out if your husband’s is in one of those?  In the city where I used to live, I had an account with a credit union that only had one branch.  The branch was pretty far away, but I could do everything I needed at a branch (including using their ATM) of a different credit union that was closer.  

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