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Bingo. Mine had some weird 2-layer thing where I had to go back and have them turn the second layer of "protection" off, so there's that. But yeah, refuse the "service".
While we're at it, why is anyone using banks for personal finance?! FFS, put your money in a credit union who isn't actively working to rob you.
Even credit unions aren't above this shit. At the end of the day, its a Principle-Agent problem. Some Credit Union execs will hose their clients as gleefully as any BoA VP.
Not everyone is able to use a credit union. Not only do they have limited membership but more importantly may have financial requirements.
For example after a financial catastrophe caused by a medical issue, one step in my recovery was moving everything to a credit union. However I was refused, based on my newly fallen credit score. I only got in by co-signing from my spouse (unemployed, so wtf)
I stayed away from credit unions because I believed as you do regarding membership. And that was very true decades ago! Now, even in my small city, I can join several.
Yeah, they're going to check your credit, but they're no different than banks in that. Are you saying you got a bank account after being refused by the credit union?
I’ve never had a credit check when opening a checking account. Where is this normal?