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I also have kept my AK FCU accounts. My retirement checks are still going there. The services they provide are so much better than anything I've been able to find around here. I did use the County Employees FCU for a while to deal with the AK FCU. For more convenience I have opened a local to the Puna Dist. FCU account. I transfer money from the AK FCU to it and use it just to have pocket money available locally when I need it.
Plus, I've had that account for almost 35 years. It has only a 4 digit account number that is firmly embedded in my mind. I won't give that up.
Welcome to Puna, the land of the Vocal Lunatic Fringe.
- - - - - - - - - - -
Was a Democrat until gun control became a knee jerk, then a Republican until the crazies took over, back to being a nonpartisan again.
This time, I can no longer participate in the primary.
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Mahalo all again. Great advice on the banking. Will keep mainland, had for over 30yrs..yes I am an ole timer
too! Imagine that. Last day at work this Friday. Then its pack and ship time! Going to surprise my neighbors as they think we are only there for a few weeks. Oh Lord, (e ka haku) its happening.
Lika
"To err is human, to forgive divine"
Lika
"To err is human, to forgive divine"
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Granted this is advice is from a while ago, when we moved...
We were only going to keep our mainland account, as it should not have been a problem...
But the great credit card fiasco of `05 happened less than 2 weeks after our move, right after we signed the lease on our temp rental house.
having all of you money mainland, with no access to our accounts via credit/debit cards. That was a fiasco in itself, as we were renting in HPP...with "General Delivery" for our MAILING address & an HPP address....between USPS snafus & FedEx snafus, we had only a mainland checking account for over a month.... try cashing mainland checks with a Hawaii ID!!! Mainland ID probably would also be hard...
We established a Hawaii account as soon as we could in the middle of this.... Luckily bank transfers were not so problematic!
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Great advice on the banking. Will keep mainland
Keep your mainland bank account, and when you have time, or find a bank or credit union here that you like, open an account locally. It's no problem to wait to open an account, or to have multiple accounts.
In the meantime before you get a local account, buy everything with a credit card. I find most everything can be purchased with a credit card these days. Pay your credit card bill at the end of the month online with your mainland account, especially if your payment info is already set up with them.
Then as time goes on you can decide which accounts work best for you, which you want to keep, and which you can do without.
In the meantime, you'll have plenty of other decisions to make when you get here!
The Donner Party really wasn't that great of a party, was it?
"I'm at that stage in life where I stay out of discussions. Even if you say 1+1=5, you're right - have fun." - Keanu Reeves
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We established a Hawaii account as soon as we could
If you need to receive wire transfers, there is only one Hawaii institution that can do this directly, the others go through some kind of "clearinghouse", which process might be "too complicated" and result in your having no money in your shiny new "local" account.
most everything can be purchased with a credit card these days
True until you leave the pavement...
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receive wire transfers, there is only one Hawaii institution that can do this directly
Some years ago I had a customer in Singapore who regularly sent me wire transfer payments to my account at Bank of Hawaii. Almost every time there were "mystery" deductions taken out of the deposit. Other fees were itemized, but they told me they had no idea why the amount sent didn't match the amount received.
Finally I closed the account. Either BofH was stealing from me, or if not, they showed no interest in discovering who was. Mysteriously, I never had the problem with my new bank, and nothing else changed.
The Donner Party really wasn't that great of a party, was it?
"I'm at that stage in life where I stay out of discussions. Even if you say 1+1=5, you're right - have fun." - Keanu Reeves
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In my earlier post I mentioned that my AK FCU had more and better services.
My HI FCU for pocket money, and the shared house account in the local bank that carries our mortgage are called and treated as "external" accounts.
I make transfers from account to account whether internal or external online in the same manner.
I could also do it by telephone.
No difference except that the external transfers take a couple of days to happen.
Then, to transfer to the AK FCU would require the HI FCU to offer the same services, which they don't.
If things went SHTF, it wouldn't make any difference where your money was.
Unless it was under the mattress, you wouldn't be able to get to it anyway.
Welcome to Puna, the land of the Vocal Lunatic Fringe.
- - - - - - - - - - -
Was a Democrat until gun control became a knee jerk, then a Republican until the crazies took over, back to being a nonpartisan again.
This time, I can no longer participate in the primary.
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"Welcome back to the sh*t show..grass is always greener. Since u left the only thing that has changed is... meth is everywhere and property crimes have increased exponentially... and apparently all the jobs have gone to illegals and government union workers...and puna web has been taken over by 10 whiny conservatives who finger fu*k each other... oh and traffic sucks too.
Mahalo"
There is plenty Aloha here. Don't listen to ^^ nonsense like that.
