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Psychic Fiends
Saturday, May 15th, 2004 01:00 amSo on my drive home tonight I was thinking about credit unions. Specifically, I was debating whether I should open an account at a credit union in Golden or stick with U of C. I should obviously keep an account open at U of C, in part because I just got 4.25% auto loan through them.* So is the convenience of a branch on the way to work make up for the inconvenience of banking in two places?
Among the perceived downsides of staying put is the challenge of doing any necessary in-person business -- the two nearest branches are on Table Mesa in Boulder and on the Auraria campus in downtown Denver; that branch is only open during business hours and is a 20 minute drive, plus N minutes for taking wrong turns downtown and finding a place to park. This is doable, if a bit hectic, during lunch, or I can drive to Boulder on Saturday mornings if needed. Fortunately, my paycheck is directly deposited and U of C's online system is pretty swell.
And what in-person business might I need to do? Well, my debit card's expiration date is 06/04, and I didn't think I'd changed my address (though, thought I, an ideal time was when I got a certified check as a deposit for my apartment). What does one have to do to renew a debit card? How long does it take to arrive? Does it expire at the beginning or end of the month? Will I need to withdraw enough cash to cover the intervening time? So I pulled in behind my building and picked up the mail. I got an envelope from U of C. Since it had my Golden address, I figured it was probably about my auto loan. I opened it and discovered...
my new debit card.
So I suppose I shouldn't worry too much about the challenges of banking in person when I can change my address and order new cards telepathically with instant results.
* Yes, an auto loan. I bought a car a few weeks ago, but I'll write about it more later. It's a '97 Subaru Legacy Outback Limited Wagon like every the hell body else in Colorado.
Among the perceived downsides of staying put is the challenge of doing any necessary in-person business -- the two nearest branches are on Table Mesa in Boulder and on the Auraria campus in downtown Denver; that branch is only open during business hours and is a 20 minute drive, plus N minutes for taking wrong turns downtown and finding a place to park. This is doable, if a bit hectic, during lunch, or I can drive to Boulder on Saturday mornings if needed. Fortunately, my paycheck is directly deposited and U of C's online system is pretty swell.
And what in-person business might I need to do? Well, my debit card's expiration date is 06/04, and I didn't think I'd changed my address (though, thought I, an ideal time was when I got a certified check as a deposit for my apartment). What does one have to do to renew a debit card? How long does it take to arrive? Does it expire at the beginning or end of the month? Will I need to withdraw enough cash to cover the intervening time? So I pulled in behind my building and picked up the mail. I got an envelope from U of C. Since it had my Golden address, I figured it was probably about my auto loan. I opened it and discovered...
my new debit card.
So I suppose I shouldn't worry too much about the challenges of banking in person when I can change my address and order new cards telepathically with instant results.
* Yes, an auto loan. I bought a car a few weeks ago, but I'll write about it more later. It's a '97 Subaru Legacy Outback Limited Wagon like every the hell body else in Colorado.
