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Trusting someone else with your money is quite risky; in this day and age who you bank with is basically the ones who hold your security in their fingers. Their choices affect your day-to-day life. If they aren't FDIC insured, you could lose your whole life's savings if they go under. Scary as it seems to trust a bank, it is necessary considering you need your money to grow with the economy and the best way to do that is through an account at a local bank. The four main types of financial institutions are commercial banks, savings and loans, mutual savings as well as credit unions. These associations distribute and take in hundreds of billions of dollars each year. Each person who has made the decision to bank must then decide what type of organization he or she will bank with. After talking with representatives from the four financial institutions, I felt that the one that best served my personal needs was the Educational Employees Credit Union.
Although the other three offered wonderful services, the credit union just seemed the easiest and probably the most basic out of the choices. Most of the other institutions presented great offers, but in looking for a bank that will fit my needs, complicated bank accounts with services I will never use didn't appeal to me. Being one who enjoys simplicity, I know that when I do choose to make the decision to bank, I will choose a credit union. After reviewing the Educational Employees Credit Union pamphlets and talking with a representative, I realized that I liked the atmosphere, the security and the reassurance I felt with the information given to me. Like the other institutions, Credit Unions are a banking institution with checking and savings accounts, but unlike them Educational Employees seemed like an establishment that truly had their customers at heart. Just about every customer that walks through the doors of the building knows an employee on a first name basis. Between the friendly atmosphere and the confidence of being a well known-well liked institution, I definitely will choose Educational Employees Credit Union.
Learning about financial institutions and their services is a very good idea for seniors in high school, considering most of us are at the age where we are able to open our own bank account. It is definitely a smart idea to investigate banks and their services as most banking institutions target young adults with flashy advertisements to get them caught in the wild world of credit. With opening an account, you are putting your hard earned money into the hands of a complete stranger. Sadly, it is the greater evil. If one chooses to not bank, their money loses value, but if they do, most are hit with charges and offers they never knew about. For this reason, I am completely sure of my choice to choose a credit union. They don't have the flamboyant commercials or the ridiculous services you couldn't imagine using, they are just a union of people there to serve others in the field of money control. One of the most important decisions as a young adult is to choose where your trust and security will lie. What have you chosen?
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