Credit union with Zelle support for the Zelle support. Fidelity for everything else (brokerage, retirement, checking account), Wise for international FX digital wallet.
(work in financial services, so I am familiar with the product landscape)
Do you use credit cards? If not, just know you are leaving cash on the table. Stores have to pay high transaction fees on “premium” cards, which leads them to raise their sticker price. So if you pay cash, you’re basically subsidizing cash-back cards.
If I spend $2k a month on my card and get 1.5% back, that’s $30 a month. It adds up.
Just you wait until lots of places wise up to whole thing and start ambushing you with “btw, we have a 2.xx+% surcharge for credit card tx” at the register. Happens quite a lot lately…
It happens, but mainly in places like gas stations. And payment processors (Visa, MasterCard) don’t allow businesses to charge different prices to different cards.
> don’t allow businesses to charge different prices to different cards.
That changed a few weeks ago
"Both card networks also agreed to cap rates for five years and remove anti-steering provisions.
Merchants will have more discretion to offer discounts, or impose surcharges on cards with higher interchange fees."
Most credit unions get their technology supplied by one of several “bank in a box” vendors such as fiserve or fis. Those companies have relationships and technology integrations with many data brokers and media firms like Cardlytics.
That’s not to say they do have programs like this but only that they have the capability, usually just by making a phone call to their account manager.
