#fsc

There are plenty of pros for being part of a credit union, one of them being that they usually offer a free checking account, which means no monthly balance maintenance fee. If you're someone who's living paycheck to paycheck, it'd be something to consider. Big banks will impose administrative fees if you don't keep up some sort of minimum balance, even with direct deposits -- if you can't hit that $1500 minimum, you're cooked.

A past experience that still riles me up is how one BofA teller made it sound like it was beneficial for me to open a new checking account -- without considering that I was an overseas college student who didn't need to change their bank info. But she was pretty natural at spinning how this was clearly in my favor more than hers. One thing that I wasn't aware of at the time is that tellers like her are incentivized to open as many new checking accounts as possible. Go figure younger me didn't think to ask questions like, "If I close this account and make a new one, is it going to make it harder for me to receive my overseas parents' money transfers?"

So yeah, you can imagine the surprise between me and my parents the next month. One incentive-based move literally costed my parents more time and money to send me a check from Korea to Washington. All for the "convenience" of being able to remember my account number by having it be part of the debit card's digits, which yikes on security??! This was back in 2007, so I'd hope they stopped that program, but don't be surprised if you feel like your bank's teller is influencing you to make a decision on the spot.

And keep in mind, these are the same people trying to tell you what you can and can't do with your money.

Big name banks don't care about their customers the same way a credit union would with its own members. After our own experience in working with a local credit union, we don't regret closing our BofA and WF checking accounts. Not once were we ever pressured in opening more accounts or cards than necessary, and no dime was ever spent over maintenance fees.

BASICALLY fsc is the very first mortal to somehow manage turning into an elemental guardian, wind archer and millennial tree decide that he has to be already purified if hes an elemental guardian so they send him to do his duties

this is before frost queen, so the flame of life [tfol] has her duties and his current ones so he deals with overseeing the flow of life and the cycle of it [two similar things...still different! could make another post explaining if i get free time LOL]

hes VERY passionate about it despite being overwhelmed, loves seeing kids grow, and eventually die. over and over, without being able to leave dragons valley due to being a danger to others, and his face driving mortals to insanity

so he stays in dragons valley, upholding his duties, for 200 years. [not too bad, but you have a dragon for a roommate] he has a mental breakdown and then comes the day the sun rose twice!!! Being so devastated mentally and basically having no interaction with someone when u were once mortal and have had a mortal brain drove him INSANE

he goes on a rampage for a day, burning half of earthbread and nearly killing the other elementals [the moon was on the other side of earthbread, unable to console the sun. The sea bubbled and boiled and began to recede, and the heat had stifled the wind til the air was dry with smoke] "what about stormbringer?" ya she was somewhere in the wind part of that i apologize

and they WOULD have died if it wasnt for millennial tree getting tfol's ass and bringing him back into the bead . its unclear how much time they spend like that but its clear to everyone that this is NOT working out anymore, and when mt brings back tfol , he looks different, and hes now Fire spirit cookie.

Alongside him, Frost Queen cookie had finally gotten her place as an elemental guardian, and took on the cycle of life.

wind archer SERIOUSLY wants to purify fsc and hates him for another 100 years, before finally settling his gripes with his colleague, and a few more centuries later, the day the sun rose twice is a past memory of history, with more and more pieces of paper being stolen, as if in an attempt to conceal the evidence of anything happening at all