Here's the deal:
I hate my damn bank, they don't do anything online aside from check your balance and their hours blow. Like 8am - noon on sat and they close early every other day like 3-4pm...
My parents have convinced me not to leave the bank (credit union) because its what they use. But today I missed their hours by 10 minutes and their ATM was broken. They also charge me 1$ to get money out even at their atm, so I am saying [censored] them. I am walking in monday and closing all 3 of my accounts and taking all my money out in cash and giving them the finger.
Now I need another bank. Anyone have good experiences with a major bank that has plenty of ATM's and good hours? I don't give a crap about the interest rate they give me on my money since most times I have less then 500$ in... so an extra 1% doens't mean jack to me. Anyone?
Washington Mutual is my bank of choice. I was with Wells Fargo for a few years and HATED them, but wamu is and has been really great to work with IMO.
Credit Unions usually have fewer fees. One of the businesses that I work for pays me with a check from AmSouth Bank. The bank always takes my finger print every time I cashed a check there. The last time AmSouth refused to cash an AmSouth check unless I had an account there. AmSouth Bank said they would only cash the check if I paid a hefty fee. I'm glad I have an account at a credit union.
You might be able to get a credit union credit card to pay for things with. Most credit unions will give a credit card with a low credit limit. The credit card will help you establish credit if you pay on time each month.
Bank Austria
I have online banking but they won't give me a bank card that works outside of their bank. That is to say, even the ATMs outside of the bank do not work, I have to go inside the foyer to get money. On the other hand I can take all the money out of my account from those ATMs; I once took out 1500 euros at one time. I can't recall a US ATM letting me do that.
Personally, I don't like banks all that much. However, BOA is my bank of choice. Only for checking though. Bank fees SUCK and they try their hardest to get you to pay them in one way or another as well. But, I couldn't beat BOA's convience since they're everywhere. My liquid savings account and car loan is at a credit union because if you have good credit a bank's rates can't touch a good credit union's rates.
Case in point, my credit union just gave me a rate of 4.99%/60 months on my wife's Caliber. No bank, including the online ones could touch that right now.
look around for a local branch that has free everything - checking, free debit card, unlimited online banking, free at all of their atms and their affiliate's atms, free balance transfers, no minimum balances in either savings or checking, etc etc etc.
A lot of banks will have a pamphlet that will show you where all their atms are located.
The only thing I pay for is paper checks, and I've had the account for 8 years - only ordered checks twice since then.
Even if a payee isn't set up for receiving electronic payments, the bank will draft a check and mail it to the payee, so that still saves me in checks.
I use TD Banknorth. They have extended hours on Thursdays, up until 7:00. I rarely need it, but it really is helpful.
Asking people on here what they use may not help you, unless they're using a bank that is located nationwide, or they're local to you.
My local credit union is great. No atm charge at their atms, free overdraft protection, free checking account, plenty of stuff available on phone/online, and good customer service.
Best of luck to you on finding a good bank. Like said above, I'd try to find a good local bank.
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
Here's the deal:
I hate my damn bank, they don't do anything online aside from check your balance and their hours blow. Like 8am - noon on sat and they close early every other day like 3-4pm...
My parents have convinced me not to leave the bank (credit union) because its what they use. But today I missed their hours by 10 minutes and their ATM was broken. They also charge me 1$ to get money out even at their atm, so I am saying [censored] them. I am walking in monday and closing all 3 of my accounts and taking all my money out in cash and giving them the finger.
Now I need another bank. Anyone have good experiences with a major bank that has plenty of ATM's and good hours? I don't give a crap about the interest rate they give me on my money since most times I have less then 500$ in... so an extra 1% doens't mean jack to me. Anyone?
5th/3rd isnt bad... I go to Comerica and they have done nothing but screw me. Charge me for services I didnt sign up for... They stated I overdrew in my checking acount, so they charged me 7.50 and transfered funds for me... But when reading the statement, they said I overdrew when I still had $140 left in my account O_o But on the plus side, I get 5 online funds transfers a month they didnt charge me extra for web banking, I got a debit card when I was 17, and they usualy are pretty friendly... My guess is all of the mistakes that were made were dumb ones and non intentional, I have probably given them too many chances but its so easy to get to one, there are 3 locations here in town and where im going to school nearly double that.
check account at caisses populaire desjardins, bank of montreal accoung which i dont use anymore...
and a piggy bank
Originally posted by Swazo:
Washington Mutual is my bank of choice. I was with Wells Fargo for a few years and HATED them, but wamu is and has been really great to work with IMO.
Wells Fargo has been great for me, but I've also heard nothing but great things about Washington Mutual.
--T.J.
I use and like Wells Fargo for my regular banking. Their online tools are great, and I can use a single place to pay every one of my bills, they happen to also have bought my mortgage, and I even have a brokerage account through them accessible from the same online access point.
But, while their Online and Phone customer service is great, I don't particularly care for the people in virtually every branch I've been to. So if you do a lot of face-to-face banking, I wouldn't recommend them.
For signature loans I use a credit union on my work campus. The people are extremely friendly and their loan criteria and rates are MUCH lower than Wells Fargo. But their online banking tools, which is where I do 95% of my banking thesedays, are lacking. I also use them for savings accounts, since I like the fact that I have to go through a fair bit of trouble to access my cash and even if someone managed to get access to my usual bank account they wouldn't have access to any significant amount of money. There's only enough in the Wells Fargo accounts to pay the bills for the month.
So, in short, I use two banks to combine the best of both worlds. A major bank for regular banking with easy access to money 24/7 and a credit union for anything that involves face-to-face transactions and a place where I can put money I specifically don't want myself or anyone else to have easy access to 24/7.
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
their hours blow. Like 8am - noon on sat
How many banks that you know of, are open much later than noon on a Saturday? Can't get out of bed, that's your problem.
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
missed their hours by 10 minutes and their ATM was broken.
Did they change their hours on you? I know that my bank closes at 7:00, so do you think I'm going to go there at 7:10?
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
I am walking in monday and closing all 3 of my accounts and taking all my money out in cash and giving them the finger.
Very professional.
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
I don't give a crap about the interest rate they give me on my money since most times I have less then 500$ in... so an extra 1% doens't mean jack to me.
And you wonder why your bank isn't bending over backwards for you?
Sorry to call you out, but your attitude isn't going to get you on any bank's good side. Going to a big bank probably isn't going to solve any problems. You'll be treated as a statistic, and for any fees that you don't have with your current bank, you'll probably have with a new one. It's a game of trade-offs.
Mark
I have accounts at Sovereign, Commerce (local to Worcester County), and two banks local to my hometown. Commerce is the nicest with hours, which is why I opened an account my freshman year of college with them (open till 7PM on weekdays and till noon and a half on Saturdays), though some branches have rather relaxed security measures. I've been satisfied with all of them otherwise.
Rofl mark,
Its actually people like me who keep these places in check. Why the hell would I put up with them sucking? If you don't show them that crapping on your customers heads... they will continue to do it. I also know that breaking my post down line by line makes you feel big... so you can have that. But needless to say, this is one (former) customer whom they won't be taking advantage of anymore. You gotta let them know how you feel, or they will continue doing it.
And congrats on feeding your e-peen by trying to make me feel small =)
Oh, and are you advocating that banks treat people will less money like [censored]? Thats how your post seems to make it sound with the 'bending over backwards comment.'
To everyone other then mark, thank you for your input. I've heard good things about Bank of America so I will check them out on monday... Wamu is also on my list of things to research tomorrow.
Fifth Third sucks a$$. I would magically be missing money in my account or have too much. I'm not stupid, I'm good with numbers, I'm training to be a Mechanical Engineer for God's sake, I can balance a checkbook but I could never get my checkbook to reconcile with their statement. When I would go to the bank and show them that even their statments didn't add up mathematically (Money I had at the start of the term according to them- money I spent as per their statement didn't equal the balance they said I had) all the dumbass manager could say, is "well that is what the computer says you have". Then months later I would have money transferred into my account or removed from it as an "account correction". Their account procedures are loose if that kind of thing happens to you every other month for 3 years. As if that wasn't enough when a Man moved in down the street from me who had a similar name to mine, they got our account information mixed up and I couldn't use my debit card to make online purchases because the address I gave them, MINE didn't match the info they had because they put his info on my account and mine on his. I had them change it back and a month later the same thing happened again and again. After the 4th time they got my info on his account and his on mine, I went to the man and explained the situation. He was furious with 5th/3rd. He kept his account there but read them the riot act in person at our local branch. I went and pulled every single cent out of my accounts and put it into US Bank. Since then I've never had a problem reconciling my accounts, and they've never made any "account corrections". I'm pleased with US bank because they give me totally free checking, I can buy stamps at their ATM's, they don't charge me to use other ATM's 4 times a month, and I have a cash back debit card. They are nationwide with a ton of ATMS, they have two on Campus and the surrounding area alone.
Sounds like 5th/3rd needs to be shut down for real.
square forwardslash square backslash square
, I wasn't trying to insult you. My point is, banks don't take us broke bastids seriously. Personally, I don't expect them to treat me like some high roller, because I'm not. Sorry your banking institution sucks, I've been through that. Wells Fargo has got to be the worst I've ever been with. Talk about making you feel like you're 3 feet tall. Oh well, there are pleanty of banks that do want my business, and my credit union makes me feel like a member, and not just a number. I've had some instances where more money was taken from my account than was supposed to, and they immediately funded my account until they straightened it out. I understand what you're saying, with not being a pushover on you. I have that same attitude, I guess I just have a way of shoving something back up their arse, and they don't even realize it until I'm out the door. If I were you, I'd take all of my money out of there, and find a bank/credit union that treats you like a person, and don't look back. Sorry if I came off the wrong way.
Mark
i use a local bank (Richmond County Savings Bank, which is now new york community bank) same deal. Their hours suck...I have free everything, but still they offer little in terms of anything else.
I am planning to switch to commerce bank. They're open till like 8pm every night, and still offer free checking, etc.
Only downside is i still have like 4 books of checks i ordered for my current bank.
I've heard good things about WAMU, but there are more commerce banks where i live.
charging you to use their own atm is ridiculous...sounds like citibank!
Originally posted by ΓΆβ??β??\ΓΆΛ?Β»/ΓΆβ??ΒΊ:
Rofl mark,
Its actually people like me who keep these places in check. Why the hell would I put up with them sucking? If you don't show them that crapping on your customers heads... they will continue to do it. I also know that breaking my post down line by line makes you feel big... so you can have that. But needless to say, this is one (former) customer whom they won't be taking advantage of anymore. You gotta let them know how you feel, or they will continue doing it.
And congrats on feeding your e-peen by trying to make me feel small =)
It sucks, but yes, unless you have accounts totalling at least six figures your bank barely knows you're there, especially a large chain. I help manage $6 billion in assets, and that's only for 35 small Wisconsin banks. I know I'm practically nothing to my bank as an individual.
My advice? Either go to a credit union, or try and find a small, local bank. Most of the banks I work with are very rooted in the communities they serve, and while you may pay higher fees in some cases, you may find a small bank is more responsive to you as a customer. But shop around; we have some banks that have regular crappy hours (M-F 8-5) and some that have full weekend hours, including Sunday.
I use 5/3rd for everything, three seperate business accounts, 2 personal accounts, 2 investment accounts, and multiple CD's for my daughters. I started with one small account to test after having nightmares with a local credit union (same as the OP, basically). 5/3rd was great, and they've only expanded since I started using them -- which makes finding a branch easy as cake, not to mention I have two in my area that are open late.
I didn't read the complaint about 5/3rd above, since everyone has different experiences, but I can say mine has been nothing but great (which is unusual from a large bank).
E1
You'll generally do better with a locally owned smaller bank, rather than the mega-banks like Bank of America, Wells Fargo, US Bank, etc. Smaller banks are usually more customer orientated and appreciate your business. Unless you need the coast-to-coast coverage of the mega-banks, I'd stay away from them. And remember, ALL banks offer $100,000 FDIC insurance, regardless of their size.
I have a savings account at LaSalle, and a checking account at TCF and another one at Harris.
I wouldn't recommend any of them, though Harris seems to have great customer service at the branch by my work.
Well not sure if you americans can bank with them but PC Financial has no fees. None, zilch, zero.
I used to bank with TD CanadaTrust. They had great hours. 9-5 mon teus, 9-6 wed, thurs, and something like 9-8 on fri and 9-3 on saturday. I think they were closed on sundays though. They had ok service charges, but than changed them in may. Now you cant go into the bank without being service charged, unless you have the 12.95 a month account, which they will waive if you got over a grand in your account all the time. Well i dont and what really ticked me off was them giving out IPODS to new accounts. What about rewarding existing customers.
but back to PC Financial. No service charges, good interest on savings accounts and more than decent interest on chequing account. Free cheques, internet banking, over the phone, and you can go to some of the kiosks in some stores but thats the drawback, not too many of them and theyre only in the cities.
Canadian Imperial Bank of Commerce (CIBC) and Scotia Bank for money I depost and don't touch...
rob me soon
Standard Federal-- Used to have National City but they are horrible-- everything is much easier with standardfed. -- I felt like I always owed national city something and overdrafted more somehow
I like the online banking system now (don't know if National City has it or not) but, I didn't USE it at least until I had Stand.Fed.-- Especially when i'm up at school it's extremely easy to use-- The internet statements they give you (sum of money you have) are inaccurate at points (say you have more, don't include current transactions at times) but sometimes they do-- I guess that goes into the whole debit/credit thing though, but sometimes it takes them about 5-6 days to record... I always thought it was 2-3... Who knows--
Banking is only as easy as people make to my belief
EDIT::: Standard Federal IS LaSalle (name changed a while back, i'm used to S.F. since my parents have used it forever)
Where are you located? You don't post your location information and questions like this are more about your local area than anything else.
I myself use a local bank called Artisans Bank. No fees for checking, savings, debit cards, or unlimited online banking. I've heard good things in the Philadelphia metro area about Commerce bank, great hours (7:30 AM - 8:00 PM for drivethru banking M-F, 7:30 AM - 6:00 PM Sat, 11:00 AM - 4:00 PM Sunday) and free accounts, go here for more info:
http://www.commerceonline.com/
I use ING Direct online banking for my short term savings and escrow accounts, linked to my Artisans checking account.
I use US Bank for checking, ING Direct for savings. If you don't have a US Bank in your area, the other that I would recommend is Bank Of America.
Steer clear of 5/3. Their systems are extremely outdated. Unless they upgraded in the last year or so, their technology is laughable, which limits their products and their ablity to serve you.
With banking the way it is today, you should get everything for free. No monthly fee, free online banking, free internet bill pay, free check card, blah, blah. If there is a fee, it is due to you screwing up. And get some type of overdraft protection. But you never plan on overdrawing, right? You never plan on getting in wreck, but you have car ins right? OD protection is like free insurance on your account.
And, if you were screwing up your account, overdrafts, playing with the float period on checks you wrote, using your check card before your direct deposit hit, you have no one to blame but yourself, not your bank. Everything is electronic now, and the smart banks are keeping up.
Thanks all.
I got all my cash sitting next to me now. I still have a few more phone calls to make today and hopefully I can pick something this week. Checking doesn't really bother me since I never write checks.
Input is appreciated
when i opened the account it was bank one now it's chase