Couple more questions...
1. Not that I am thinking in a negative way but just for security...in cases where news comes out that a bank company is gonna close. how do you handle situations like having a savings account? Like i plan to open one for my little sister with this company. Would you literally have to take out all the money in a situation where a bank is gonna close?
2. As of now I still have not had a credit card only debit cards and prepaid cards. However as we all know you can get bad credit without having a credit card. And I have that thanks to shyt like when i randomly stopped paying my smartphone bill last year because it was getting to be too much and not paying the owed money for certain online offers/products. Do you think I should get one even though I am not in a career yet with the means to cover my debt?
I always felt it was silly to get a credit card if its gonna immediately gonna show up as bad history(dont they count your debt from before even if its your first card
3. can i really set up my entire account online? cause i live in NY and it aint out here
4. what are your thoughts on the rising cost of living and minimum wage being stagnant? dont you think corporations are getting greedy and CLICK MY link below in my signature and sign up for a free account. No credit card is needed all you need is an email for verification.
I'm still learning like all the rest of us, but I'll answer to the best of my knowledge.
1) Like breh above me said, your money will simply be covered under the banner of the bank that takes it over. I have never seen a bank just flat out close -- they always get bought out. I'm a Wells Fargo customer only because I opened an account at a bank called Wachovia and right after, they got bought out.
2) If you can get a credit card that doesn't rape you on interest, I'd do it. One great option you have is a secured credit card, which One United offers in the form of their "Unity Visa" card. These types of cards are typically catered toward people with new credit or trying to rebuild their credit. The reason for this is that you are basically guaranteed approval, because you put the money up for your credit. You pay a deposit that will act as your credit limit. For instance, if you want a $1,000 credit limit, you give them a $1,000 deposit with your application and you are good to go. This card can be used to build up credit and improve your score.
Even if you are worried about debt and stuff, a great way to build credit is to use your card for things that you know you already have the money for. For instance, you can get a card and pay your bills with it, and then pay off the balance before the month is out. This way, credit bureaus see that you are using credit and being trustworthy in paying it back.
3) Yeah, you can set it up online. To my knowledge, they're going to ask for a copy of your driver's license, so you should go ahead and scan that and have it good to go.
4) I think corporations are getting greedy, but is also the best time ever for us to do things our own way, because giants are falling. More artists are going independent in music because they're tired of bad record deals, Uber is killing the taxi industry in a lot of major cities, while letting people become entrepreneurs, streaming services like NetFlix changed the game with original content. Basically, corporations are crazy greedy, so that opens the door for us to become entrepreneurs and do things in new ways while corporations are busy fukking people over and clinging to the old ways.
I am my own boss and while it's a struggle and I want to grow a lot more, it's enough for me to control my hours of life without having to answer to people. It's also given me the confidence to grow and expand on any other ventures I create and dream with my mind. I freelance write, but the possibilities are endless when it comes to doing business.
My thought process is that I'll never let another man tell me I can't eat. What that means is that despite minimum wage, Republicans and Democrats, the stock market and everything else, God gave me a brain, balls and a heart so I can always find a way to use them to provide for myself despite what the world is in the mood to GIVE me. If we were in the jungle, we'd either hunt and eat or die. We can never let leaning on what's happening in the job market or anything else cripple us from taking it upon ourselves to provide for these natural needs and instincts.
Easier said than done, I know, but in 2015 with the internet and cell phones, no one can stop you or me from getting ours despite whatever the fukk politicians and corporations are talking about.
Put this shyt on the homepage already 
it doesn't involve the degradation of black women, or putting "pawgs" on a pedestal, so it won't.