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Joined 1 year ago
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Cake day: September 30th, 2023

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  • I actually had more fees when with a credit union. Iirc they wanted $3 to issue a cashier’s check - the bank I was with charged $5 for a cashier’s check… after you had used the free one they allowed each month.

    The bank also honored my request to decline charges that would overdraft my account. They don’t charge for declining these charges. The credit union ignored my choice on that and charged overdraft fees without any notification to me that my checking account was negative (I had money that was in a savings account linked to the checking, I had just forgotten to transfer after getting paid). So I think ymmv for the quality of banks and credit unions.



  • As someone who rarely ever uses YouTube, $25 would be fucking bonkers to pay monthly for no ads. Imo a decent idea to explore would be x amount of minutes that are ad free per month, then after you hit that limit you get given ads. You’d have to be signed into an account, any instances with no account logged in get ads by default.

    Another idea is to add lower tiers to the available plans. 5 people can sign in on the current option? Is there a cheaper plan that only allows linking 1 account? This could even tie in with the previous idea and have certain plans that give you x minutes of watching adless per month.

    I’m sure there are plenty of other options out there. In fact I wouldn’t be bothered having to watch an ad before a video (or a midroll in a longer video) but the experiences I’ve had with using YouTube frequently involve me pulling up a certain scene within a movie or something and getting 2-3 ads that are a minute long each, unskippable, and potentially midrolls in there if the video is over 5 minutes. It just makes me close the video and think “yeah fuck that, I don’t need to watch that scene anymore”.

    Overall point: the ads would be fine if they weren’t so excessive and intrusive