what is the best bank to join with?

dreday0789

dreday0789

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Jun 5, 2007
i just got my taxes back and i got some debts i got to pay off that wouldnt allow me to get a bank account before and i need some help picking a bank. i wantto have the lowest overdraft fee, deposit a dollar or round up to the next dollar to put in savings everytime i use my card, and deposit 20% of my checks intosavings. any and all suggestions are appreciated.
 
Chase
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anything but Bank of America
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If you plan on having overdraft fee's, you might as well not set up an account anywhere, they all charge.

But, I would Bank somewhere with either No ATM fee's or where your city has the most branches. In my area it's PNC.
 
Its better to go with a small local bank as they provide the best customer service. Just make sure they are FDIC insured. For NYCers I suggest SterlingNational Bank
 
Originally Posted by foampositepro

why so much hate for BOA?
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Dudes always spending more money than they have and wanna blame BOA for the overdraft fees
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Wells Fargo/Wachovia is probably one of the most stable banks and where I've always been.

They'll hit you hard with overdraft just like any other bank though. For the incremental savings idea you should try Wachovia's Way2Save. It puts $1into an interest bearing account every time you use your check/debit card and you can additionally put as much as $100 in the account every month. It earns 5%which is an unheard of rate right now, you'll be hard pressed to find a bank giving 4% on CDs right now.

and you can always setup overdraft protection where it will use money from your savings or credit card to cover you if you go over.
 
Originally Posted by 703 Hwy

Originally Posted by foampositepro

why so much hate for BOA?
Click to expand...


Dudes always spending more money than they have and wanna blame BOA for the overdraft fees
laugh.gif
Click to expand...

i used to work for them....and you arent getting anything really.... i hate the way they set things up...and for the most part chase offers better programs andhelp
 
Originally Posted by 703 Hwy

Originally Posted by foampositepro

why so much hate for BOA?
Click to expand...


Dudes always spending more money than they have and wanna blame BOA for the overdraft fees
laugh.gif
Click to expand...



nah…they really suck, I had them and Citibank at the sametime, and BOA always charging something or their online service was slower, never up to date so my balance always showed up as being kind of "off" soI would think there was more money in there than actually…where as Citibank they are more on point with what's your actual balance, and their onlineservice is the best, plus I love my Thank You Rewards points.
 
Originally Posted by 703 Hwy

Originally Posted by foampositepro

why so much hate for BOA?
Click to expand...


Dudes always spending more money than they have and wanna blame BOA for the overdraft fees
laugh.gif
Click to expand...
This is probably pretty accurate. They charge you for checking overdraft fees even if your savings account is loaded. I remember when I had mylocal credit union would transfer the money from savings to checking for free. Now I don't really have that problem. BOA is good overall as long as youaren't living paycheck to paycheck. As for the online service, I'm not really sure what the deal is with some of the complaints. My charges appearalmost instantly online. I'm not saying they are the end all of banking, but they aren't particularly "bad" either.
 
BOA doesn't have free checking though.
WAMU (now Chase) has free checking and free checks for life.
 
Mechanics Bank son.

They didnt take any bail out money cuz they didnt need it. They were just on Fox News getting interviewed.

Plus they dont charge you any ATM fees, and whatever that ATM charges you, they actually rebate it back to you.

so you dont get that 22.50 like you would at any other bank and they dont charge you for using other banks ATMs.

I'm not only a customer, but i work there too.
 
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