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I will also look into a credit union / do the necessary research about them for future usage, no doubt.
To update, PNC actually upgraded my account, reversed all the fees and gave me a %1 interest rate in my savings account, while Chase gives me another start to build better credit and investments. That's how I see it, and I check my bank account online all a lot, so I hope I can keep on the ball about my balances and bills.
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