Where do you all bank?? I am having an awful time with BAC and am needing to switch.
Hmm. I always thought BAC was pretty ok. Where do you live?
BAC with no issues. I like having an extensive nationwide network of cash machines and their international partnerships are pretty good as well. Can use Barclay’s cash machines in UK for no fee and Banco Santander machines in Latin America with no fee. I’m not crazy about the switch to “no envelope” check deposits at their machines (too slow putting in each check), but rarely have to deposit an actual check anymore. Also have an ING account for surplus cash, but that doesn’t get the rates it used to.
I’ve never had any trouble with Wells Fargo. If you have more than 25k you get a PMA account, which gives you slightly higher rates and free atm withdrawals from any machine (not just wells). Also with PMA you get brokerage with no annual fees and 100 free trades per year.
Credit union. 4% checking, reimburse atm fees. Gotta use the credit feature on the debit cards 12 times a month…no skin off my back.
RBC… Which also happens to be my employer (RBC DS).
I use two banks - Chase and Etrade. My primary bank is Etrade. Benefits of Etrade 1. Interest on your checking account - Most banks don’t do this. You only get money market rates which right now is only a few bps, but it’s better than nothing. 2. Any ATM is free - BofA, Chase, gas stations, etc. All free. Drawbacks of Etrade 1. No cash transactions - There are very few branch offices and they don’t handle cash. If you need to deposit/withdraw $2,000, you can’t do it immediately. ATM’s are your cash dispensers. You can deposit checks, but this might be annoying because of the limited branches and their hours of operation are like 8am - 5pm M - F. Now because of this drawback, I keep my other checking account at Chase. If I need to pull out extra cash, then I’ll do an online transfer to Chase and get my money that way. If I need to deposit cash or a check I’ll just go to the nearest Chase and deposit there. Then I’ll do an online transfer to my Etrade account. 99% of the time I only need to get my money through ATM’s and all bills are handled electronically. So the need for larger cash transactions and cash/check deposits is very small for me. There might also be a $5k minimum or something to open a bank account at Etrade; I’m not too sure about that anymore.
B of A, HSBC, NFCU. Each has certain disadvantages and advantages. I use a mix of the three for my different banking needs. B of A = tons of locations in US, but I don’t use internationally as transaction fees are high. I have had issues with depositing large checks there. HSBC = pretty good all around and internationally NFCU = good rates, quick with addressing any problems if international I like to have the HSBC/NFCU combo if out of the US as some ATMs are quirky.
Analti_Calte_Equity Wrote: ------------------------------------------------------- > B of A = tons of locations in US, but I don’t use > internationally as transaction fees are high. I > have had issues with depositing large checks > there. > Have you checked their Global ATM Alliance? No fees at all at the following banks’ ATMs: Barclays BNP Paribas BNL D’Italia Deutsche Bank Scotiabank Westpac Bank Exchange fee only at Banco Santander and China Construction Bank.
my mattress; firm and steady for the past decade
BAC for domestic transactions and I have an HSBC online savings account that I use as savings and my cash dispenser when traveling abroad. Before I travel abroad I deposit what I think I will need into the savings account and then use the HSBC account atm card to withdraw from any atm in the world for free. This also helps me avoid using my credit cards over seas where you typically pay a foreign transaction fee. Where I usually visit cash is king so this works out perfectly for me.
Bank of La Cosa Nostra.
My hos. Sometimes I have to slap a teller if the money isn’t right, but generally I’ve got pretty convenient locations around town.
BOFA. Never had an issue. I’m a lowly 25 year old so I only have a checking, savings, and credit card. They do always try to upsell you on something when you call which is kind of annoying, but I imagine all cc companies do this except for Amex
First Federal Bank of Nigeria - just give your passport and birthdate to open an account - never had an issue. No ATM fees anywhere.
higgmond Wrote: ------------------------------------------------------- > Analti_Calte_Equity Wrote: > -------------------------------------------------- > ----- > > B of A = tons of locations in US, but I don’t > use > > internationally as transaction fees are high. I > > have had issues with depositing large checks > > there. > > > > Have you checked their Global ATM Alliance? No > fees at all at the following banks’ ATMs: > Barclays > BNP Paribas > BNL D’Italia > Deutsche Bank > Scotiabank > Westpac Bank > > Exchange fee only at Banco Santander and China > Construction Bank. nice - I didn’t know that I think they have transaction fees on international transactions though too. I prefer to use a card when I can if international rather than keep withdrawing thousands of monopoly money (ie inflated foreign currency).
Analti_Calte_Equity Wrote: ------------------------------------------------------- > > nice - I didn’t know that > > I think they have transaction fees on > international transactions though too. I prefer to > use a card when I can if international rather than > keep withdrawing thousands of monopoly money (ie > inflated foreign currency). I’ve withdrawn from Barclays and Banco Santander ATM’s within the past couple of years and had no fees. Received the official exchange rate as well. I use a Capital One card when I travel because they don’t charge a fee for international charges. Discover doesn’t charge either, but not many places take Discover outside the US.
My main bank is ING. They used to have pretty good rates for savings / checking, but now I’m there just because of inertia. I also have a savings account at HSBC - again, used to have decent rates on savings and I don’t have enough cash to really care about shopping around. It’s out of sight, out of mind, which is what I want for my emergency money so I won’t use it. I use schwab for cash, since they reimburse all atm fees. At least they do domestically; I’m not sure about abroad since I’ve never checked my statement for that. I keep a penny in my old TCF account from college, but I should really just close that account.
I kind of wished that I banked at ING so I could say “ING!” randomly if needed. It would have a ring to it, like the “BING!” in bingo. Great for getting out of unwanted conversations - at cocktail parties or at the water cooler. Obviously, I have thought this out very well. Can’t yell that out now 'cause I don’t bank there. Pity.
Free employee accounts with Citi and BOA.