I understand. The mailboxes I’m talking about are only accessible to the mail carrier from the top. They slide the letters in from the top after unlocking and opening it to access all the units’ boxes at once, and then I open mine from the front. They would only be able to see the top edge of an envelope. A post-it note wouldn’t be visible. But they never look inside anyway, because these are incoming boxes only.

Yeah my bad, that can definitely be true depending on the credit union.

Many if not most CUs join a co-op of tens of thousands of fee-free ATMs, but depending on where you are and which CU you’re a member of, it may not help.

This only works for certain kinds of mailboxes, not the standard ones many apartments have that only open for the carrier from the top. The carrier has a key that opens the whole box from the top, they put the mail in that way. It’s only incoming mail, there’s no external slot to put outgoing mail. If there’s anything left in the box when they’re delivering, the carrier just assumes the resident hasn’t picked up the previous mail. They never take mail out of an incoming mailbox box.

Eh I guess it’s possible, but probably unlikely. You could always stick some tape on the sticky note if you’re worried.

I just replied to a similar comment, but here it is again since you replied while I was typing :)

Yeah, I have the same issue. I just keep the misdirected mail for a week or two until it stacks up and then drop it all in the nearest blue USPS mailbox, which is in the center of town. It’s annoying, but not a huge deal. Also I’ve read you shouldn’t write directly on the envelope, the post office prefers sticky notes so the original envelope isn’t defaced.

Yeah, I have the same issue. I just keep the misdirected mail for a week or two until it stacks up and then drop it all in the nearest blue USPS mailbox, which is in the center of town. It’s annoying, but not a huge deal.

Also I’ve read you shouldn’t write directly on the envelope, the post office prefers sticky notes so the original envelope isn’t defaced.

You should definitely switch to a credit union regardless. There are no downsides.

But fault for this kind of issue is shared between the previous resident and the bank. When someone moves, it’s their responsibility to change their address in all the various systems in which they exist and set up mail forwarding, which lasts for a year by default, and is free.

It is your responsibility to forward any misdirected mail you receive. The alternative is throwing it out, which is illegal. Just put a sticky note on the envelope that says something like “wrong address, return to sender” and drop it in any outgoing mailbox.

This is a pretty standard issue though. I lived at my previous apartment for more than 7 years, and I was still getting mail from the previous tenant when I moved out. People are so lazy.