who do you bank with

[BustedS13]

so my bank (UMB, a semi-local one) has fucked me for the last time. i'm moving on. who do you use? does anybody use Bank of America, US Bank, or National City? it's my understanding that US Bank has a checking account that accumulates interest, and no atm fees, for free, which beats the shit out of this garbage account i have.

[awesomenick]

I have accounts at Wells Fargo, and America First...

Neither are that great. Wells Fargo has a pretty nice online banking thing, but I don't think their interest rates are as good. I use America First for my savings because at the time they had a better interest rate. I have no idea if it's still better. I can't keep on top of it.

[YoungGun]

Credit unions FTW.

[stiizy]

Bank of America and wachovia never gave me a problem i would go With BOA first..

[azndoc]

Credit unions FTW.

quoted for the truth.

My NFCU has never charged me for stupid shit and is always very understanding.

[steve shadows]

so my bank (UMB, a semi-local one) has fucked me for the last time. i'm moving on. who do you use? does anybody use Bank of America, US Bank, or National City? it's my understanding that US Bank has a checking account that accumulates interest, and no atm fees, for free, which beats the shit out of this garbage account i have.

God



:p

[ronmcdon]

I bank with Washington Mutual/WAMU. They've been reasonable for the most part. IIRC overdraft is $25. I was with Wells Fargo prior. Their $33 overdraft fees and policies were just out of control.

Eh, if you're trying to open a savings account, I would discourage you from opening one with the major banks. the interest rates are usually junk 1% apr or lower. essentially you're going to be losing a lot $ with the way inflation is nowadays.

[240love^_^]

I bank with Washington Mutual/WAMU. They've been reasonable for the most part. IIRC overdraft is $25. I was with Wells Fargo prior. Their $33 overdraft fees and policies were just out of control.

Eh, if you're trying to open a savings account, I would discourage you from opening one with the major banks. the interest rates are usually junk 1% apr or lower. essentially you're going to be losing a lot $ with the way inflation is nowadays.


I also just switched from Wells Fargo to WAMU. WAMU has overall better customer service, fees, and policies.

[ziptiedae86]

What features do you want in a bank? Would you consider an internet based bank to earn more interest? For me, I need a local bank that will give me access to my cash in case I need it, but the majority of my liquid savings (emergency fund) is in an online high-yield savings (for example: FNBO-3.25%APY, HSBC-3.05%APY, EmigrantDirect-2.75APY, INGdirect-3%APY) and CDs. If you are like me, lower APY on $500-$1k isn't going to make or break you so just keep that "now" cash in a local joint where you can access all the time via ATM rebates and decent online capability. Most internet banks will let you transfer funds from your emergency fund to your local bank, but it takes at least 1 business day, so having some "now" money locally helps a lot.

Bankrate.com has all the latest APY for every major institution: I'll even spoon feed the link to you in STL, MO: http://bankrate.com/brm/rate/bank_chkratehome.asp?params=MO,34&sort=11&product=31&online_flag=

[eastcoastS14]

lol Id go bank of america just because their ATMs are everywhere, lol I end up getting screwed cause I have citizens so I have to pay $2.00 to use the BOA ATMS that are everywhere

[an_orange_s2k]

Bank of America

[pink godzila]

Washington Mutual but I part-time at East West Bank (Chinese Bank)

Anyone want to exchange thoses NEW Quarter or President GOLD dollar LMK

[muddafakka]

I use WaMu as well.

[axiomatik]

local credit union. mine refunds me fees charged by other bank's atm's. (not that I ever use them)

[exitspeed]

We use Chase.

[low and slow]

Bank of America is the sheeot.

[SochBAT]

No. Bank of America has THE WORST customer service ever.

If bank of america was a person, it'd be the dead beat dad that is quick to take money, and late as shit to give.

I've been hit with 7 overdrafts FOR NO APPARENT REASON. My buddy works at a B of A, has looked over my accounts over and over, and couldn't find any reason i was charged for em. I've called em, told them about it, and it takes a month to return my money to me. Shitty.

Do what most smart people do and get with a credit union. I'm planning on switching over to Arrowhead Credit Union, overdrafts are like, 4 bucks, and the customer care is legit. Leagues ahead of B of A.

Same kinda ordeal happened to me, twice. One with my insurance not going thru, and the second with my phone bill. the insurance netted me 7 Overdrafts, and phone bill got me 4. On my account, as it stands, i've got a total of 14 Overdrafts since 2003. Pretty damn gay.

[low and slow]

That sucks. I've dealt with their customer service numerous times, and everything was fixed before the phone was even hung up.

[jdm538]

Long Beach credit union

[ESmorz]

San Diego Credit Union

Does Missouri have credit unions? :keke:

[VROOOM]

No. Bank of America has THE WORST customer service ever.

If bank of america was a person, it'd be the dead beat dad that is quick to take money, and late as shit to give.

I've been hit with 7 overdrafts FOR NO APPARENT REASON. My buddy works at a B of A, has looked over my accounts over and over, and couldn't find any reason i was charged for em. I've called em, told them about it, and it takes a month to return my money to me. Shitty.

Do what most smart people do and get with a credit union. I'm planning on switching over to Arrowhead Credit Union, overdrafts are like, 4 bucks, and the customer care is legit. Leagues ahead of B of A.

Same kinda ordeal happened to me, twice. One with my insurance not going thru, and the second with my phone bill. the insurance netted me 7 Overdrafts, and phone bill got me 4. On my account, as it stands, i've got a total of 14 Overdrafts since 2003. Pretty damn gay.

I used to work customer service at Wells Fargo and i saw people with 50-60 od's a year. 14 in 5 years isnt too bad.

[BustedS13]

San Diego Credit Union

Does Missouri have credit unions? :keke:

yes, i have an account with Gateway Federal Employees Credit Union (my dad worked for the government before he retired), but i don't use it. they don't have online banking which is more or less a requirement for me.

[ESmorz]

yes, i have an account with Gateway Federal Employees Credit Union (my dad worked for the government before he retired), but i don't use it. they don't have online banking which is more or less a requirement for me.

Well I only have like 12 dollars in my account so... It doesn't get used much.

[Bobafreak]

< bank of america

[LongGrain]

citizens first credit union

its local, they suck, i want to change, and probably will before the end of summer.

[Grendel]

I had washington mutual, and I had no beefs with them. When I got to langley there were no wamu branches around so I went with Langley Federal Credit Union.

I'm not a huge fan of LFCU, changing my address/doing money transfers to my dad are a total pain in the ass. Once my loan is paid off I'll be switching banks I think.

[rps13drift]

Fuck bank of america in the face! Those cock suckers always decide to keep the change when ever my bank account is at around $30 or under so then i get raped with OD fees! I have never over drafted ever until i signed up for that (keep the change) scam. I will be switching to commerce very soon! Great customer service and open untill 9pm 7 days a week.

[sillydrift]

I have always had WAMU and never had any problems, i have a checking and savings account with them.

[coreansurfer]

if you're socal, and you need a bank hook up pm me, i have a guy that takes care of people i refer.

[JRas]

Chase

msglength

[SC_S13]

to be honest, it depends on the local branches. wells fargo is alright but alot of their employees are nubs and slow. it's better for college people because checkings services, intro level credit cards, and the fact that a lotta campuses have wells fargo on them.

BoA has decent service, a plus is their massively abundant ATMs. But yes, you'll be more likely to run into crass employees who dont give a shit. transfers will take longer because they have a lotta checkpoints (though sometimes unnecessary)to run through.

WaMu is awesome, i would honestly say go with WaMu or a good local credit union, and then open a BoA checkings for those times you're in a cash clinch.

[WERDdabuilder]

Wamu.

who is using city bank?

[qwikspool]

usaa and nfcu.

[duffman1278]

WAMU, I love it, no hassles, just that their 1-800 customer service thing is stupid. But I like what they offer.

[Future240]

Credit unions FTW.

Most def on that my account, no fee's ass loads of protection, and accumulates interests, FTW fa sho

[JDMB0iKT]

I bank with Wells Fargo, no problems so far.

[Andrew Bohan]

my wife and i both have wamu

no problems until she decided she wanted an online CD
but she couldn't create an account for some reason so she called the 800 number and had the guy make an account and transfer her money from her old CD.

then she wanted to add money but couldn't find where to do it on the website, so she called up to add money to the CD, and the guy had no clue how to do it so she called back and got some lady who did it.

then the next month she called to add more money and the guy told her it's impossible to add money to an online CD. she she had a big argument about that.

then the next month she called to add more money and same shit, so she got some high up guy on the phone and he told her it's not possible to add money to an online CD and not possible that the guy she talked to made her account for her. so she said she wants to take her money out cuz it's a worthless thing that has no reason to be called an "online CD" since the only thing you can do with it online is look at it, and the guy who made her account said she could transfer money into it, but now she can't. of course they wouldn't let her to that without the penalty.

so we found this document on their site that says you can't add money to an online CD unless they decide you can.

so... it is possible, they just didn't decide she could do it those last two times, but she could the first time.

so we're quitting wamu, cuz that's really gay

[Jimmy Up]

INDY MAC, cali exclusive haha- but I work there so I have to rep... Good luck man

[Jung918]

USAA. the best evaaaaa

[180sExy]

Vesterra,Wamu an Wells Fargo.

[illvialuver]

Aside from wellsfargo, I put my money in a box and bury it, in a secret hidding place. i donttrust the banks.

[Jung918]

Aside from wellsfargo, I put my money in a box and bury it, in a secret hidding place. i donttrust the banks.

it isn't the 20s. banks are fdic insured.

[coreansurfer]

only up to a certain point

100k if i recall correctly

[azndummie]

wells fargo, bofa blows but i still have an account with them

[TiNMAN]

wamu. bout to open up a savings account w/ ING.

[Andrew Bohan]

if i started A.A. Bohan & Co. bank would you deposit your money with me?

premies get 7% interest on CD's

[Helghast]

I have WAMU but I want to switch to my work's credit union.
Hospital credit union is one of the best, apparently.

FUCKING $30 Overdraft Fee for WAMU.
WHAT.
THE.
FUCK.

You just keep going negative.
UGH.

[Wykydtron]

Bank of America... pretty much if u don't have a CD or mortgage they like to rape. Ah hell, they're just capitalist swine's. ;)

[hijack3d]

Another +1 for NFCU... I was actually in Kansas City when I first started banking with them (I applied for a car loan, which was approved within 24hrs). Now I'm in Cali and any loan I apply for I can get in a matter of hours. They're pretty excellent. I also hear any credit union is pretty good though, like everyone was saying.

[TRU_DAH-V]

THATS MAH BANK!http://i195.photobucket.com/albums/z206/tru_ching/shaka-1.jpg
Bank of Hawaii

[nistech]

Wamu and farmers and merchants

[90hatchie]

wachovia....hate it wanna leave it

[SimpleS14]

NFCU

ING Direct

[kenshinS14sks]

Wells fargo =) I work here as a personal banker, so if you guys need hook ups on accounts or servicing needs just call me at my branch and ask for kevin. say you're from zilvia and we'll talk about what i can do for yas ;)

haha 310-328-4545 *edit* . . . but i won't be back for a couple weeks cuz i'm studynig for my series 7! i'll hit you guys back up and keep you updated to when im going back

[DUFFM4N]

ive had a wells fargo account since i was 16...no complaints

and its free (Well for me at least)

[SW20Racer]

i use the coffee can credit union
http://i2.photobucket.com/albums/y12/TPryst/SUNP0084.jpg

[used240sxparts]

wachovia and wamu

[status:one]

I have a checking account with Chase, but I need to setup an account with Bank of America.

[Matej]

Commerce Bank, because it sounds classy.

[touge monster]

Wells Fargo is problem free so far. Too many fees for BOA.. or so I've heard

[Vision Garage]

yea i got BofA and yes the fees are fukken lame. But Shit, thats what you have to deal with to get the convenience of a BofA atm every other block!

[touge monster]

^^ so true...

[LeftNutOfGowd]

I bank with Check Into Cash Lol :rofl:

[Locko]

find first where some of your friends work,,, ex, my buddy works in BOA and another on SUNtrust so i can take the 35 fee for overdraft off when it happens lol