Who do you bank with?

[iGary]

Do you love them? Hate them? Why?

I have USAA, who are awesome.

Free checking with interest, no ATM fees, excellent customer service.

[r.j.s]

USAA. There is no one better.

[ucfgrad93]

Wells Fargo. No complaints, here.

[dmr727]

Was Washington Mutual - now it's Chase. No real complaints, really.

[uberamd]

TCF Bank, they are OK. And US Federal, they are great.

[jessica.]

BofA & ING.

[Zombie Acorn]

Local bank that no one has heard of. Walk in, they know who I am. I can talk to the president of the company if I wish. Makes things a lot easier.

[sushi]

USAA and HSBC are my primary ones.

[iShater]

Harris Bank N.A. and Chase. (I think we use Citi as well).

[Zerozal]

Was Wachovia and is now Wells Fargo due to the recent merger. No complaints.

[iGary]

BofA & ING.

No offense meant, but good lord, do I hate me some B of A.

Evil twunts.

[Love]

BMO Bank of Montreal. I get a $5.45/month chequing account that has unlimited transactions, including cheque writing and bill payments online. I get an $8.50 student discount on it which makes it $5.45, it's usually 13.95. The other bank's rates suck. :) That's about where the good stuff ends. I don't like their customer service, their website can be buggy, and it seems like you have to tell them to do things that should be done right when you open the account. Some family is with RBC.

[racers]

First Bank. Great Service and friendly people :)

[jecapaga]

Do you love them? Hate them? Why?

I have USAA, who are awesome.

Free checking with interest, no ATM fees, excellent customer service.

Never heard of USAA, strangely enough. BofA, never have had an issue with them as much as some may say.

[jessica.]

No offense meant, but good lord, do I hate me some B of A.

Evil twunts.

none taken.

[rdowns]

Chase. Been with them since I opened my first checking account when I was 13.

[GSMiller]

The only banks around her are locally owned or regional. Right now I'm with Whitaker Bank of KY. Of the three I've used so far they're the best. Free checking, free online banking w/bill pay, and the tellers are all really nice. I'm usually in and out in about a minute.

[iGary]

none taken.

I knew you wouldn't. ;)

I forgot to mention BB&T, who I do my business checking with. Free and great service.

[Dagless]

Halifax.

[emt1]

ING Direct. Best. Bank. Ever.

...and if anyone wants to try out ING Direct, PM me. I'll send you a referral and you'll get $25 for starting an account if your initial deposit is at least $250.

[duncanapple]

Seems like we may all not want to disclose who we bank with. Thats one less variable a thief would need to have in order to make off with your money. Call me paranoid lol... Between that and the fact that a lot of people on here disclose intimate details of their life... passwords are prob pretty easy to come by... just sayin!

[emt1]

Seems like we may all not want to disclose who we bank with. Thats one less variable a thief would need to have in order to make off with your money. Call me paranoid lol... Between that and the fact that a lot of people on here disclose intimate details of their life... passwords are prob pretty easy to come by... just sayin!

You said it... not me! :D

[r.j.s]

Seems like we may all not want to disclose who we bank with. Thats one less variable a thief would need to have in order to make off with your money. Call me paranoid lol... Between that and the fact that a lot of people on here disclose intimate details of their life... passwords are prob pretty easy to come by... just sayin!

I don't think sharing the name of a bank is an issue.

[iGary]

Seems like we may all not want to disclose who we bank with. Thats one less variable a thief would need to have in order to make off with your money. Call me paranoid lol... Between that and the fact that a lot of people on here disclose intimate details of their life... passwords are prob pretty easy to come by... just sayin!

You're paranoid. :D

[jmann]

Just for fun you should add a "Do you use a bank or credit union?" poll. I use Mountain America Credit Union. Credit Unions FTW.

[yg17]

The big evil Bank of America. Haven't had any problems with them actually.

[techfreak85]

Wells Fargo, Wamu/Chase, Local community bank.

[iGary]

The big evil Bank of America. Haven't had any problems with them actually.

What about fees, though? They used to kill me with fees.

[synth3tik]

I use Etrade. Their a stock and portfolio company more then a bank. So they don't act like a bank. Checking with interest (Something like .8%) 3% interest saving account. My 401K rolled into an IRA for me. Quick access to stocks.

Best of all there is no "Available" and "Actual" balance. It is either there or it is not. I can buy a sandwich, look at my account right then and that sandwich is taken out.

unlike a bank that makes billions on overdrafts, etrade simply does not allow your account to go negative.

There is some down sides as they are not a bank, but I am happy not dealing with banks.

[angemon89]

Wells Fargo. They have really good service and I bank for free. I also have my credit card and a student loan through them (well technically the loan is from Wachovia but it's pretty much all the same now).

[u49aa2]

Royal Bank of Scotland. Due to the recent economic crisis i think we in the UK own the Bank (bailed by tax payer money :D), Though good service. I would recommend

[neoserver]

Mark another one for BMO Bank of Montreal. I haven't had any issues with them since I switched from TD Canada Trust well over a year and a half ago.

[jmann]

I use Etrade. Their a stock and portfolio company more then a bank. So they don't act like a bank. Checking with interest (Something like .8%) 3% interest saving account. My 401K rolled into an IRA for me. Quick access to stocks.

Best of all there is no "Available" and "Actual" balance. It is either there or it is not. I can buy a sandwich, look at my account right then and that sandwich is taken out.

unlike a bank that makes billions on overdrafts, etrade simply does not allow your account to go negative.

There is some down sides as they are not a bank, but I am happy not dealing with banks.

This looks really interesting. Do you have to deposit cash/checks at an actual bank and have it transfered? And if you have automatic payments coming out of the account and there is insufficient funds do you just get charged for a returned payment by the company trying to withdraw a payment?

[joro]

What about fees, though? They used to kill me with fees.

As someone who worked at BOA for almost 4 years I can tell you that most of their accounts are free, you just have to make sure you’re in the right type of account for how you use it. Although the fees are bad when you incur them – I’ll tell you a good portion of our customers never experienced any because they were in the right accounts.

In any case, I’m with a regional bank now and they are hundreds times over better to their associates and customers. ;)

[steve2112]

My main bank is a local bank with around 10-15 branches statewide. They rock! I get 4% interest in checking (no min. balance), ATM fee refunds, free online banking, and a lot more. I love 'em and would never go back to a megabank.

I also have accounts at my former credit union, and an ING online savings/checking account.

[daneoni]

HSBC and they've saved my bacon a couple of times in the context of fraud

[dmr727]

I bank with ailerons, of course!

[yg17]

What about fees, though? They used to kill me with fees.

Nope, I've never paid any

[iPhoneNYC]

Chase. And I hate every large corporate entity. Except Apple!

[it5five]

Chase. And I hate every large corporate entity. Except Apple!

That's stupid. Apple is just as awful as any other large corporate entity.

[steve2112]

BTW, if anyone wants to find a bank that offers no fee checking with (relatively) high interest rates, check out this site.

https://www.checkingfinder.com/

[iGary]

Nope, I've never paid any

I'm probably thinking about their business checking then.

[fireshot91]

Pentagon Federal Credit Union.

I need to open a bank account (That I can actually access- Grr, come on mom, LET ME HAVE MY MONEY). I need a checking account with a debit card that I can have at the age of 15. I don't care if I have to sign with my parents, anybody know anything?

[emt1]

Pentagon Federal Credit Union.

I need to open a bank account (That I can actually access- Grr, come on mom, LET ME HAVE MY MONEY). I need a checking account with a debit card that I can have at the age of 15. I don't care if I have to sign with my parents, anybody know anything?

If you are mainly interested in the card... you could get a Visa Buxx card. Works just like a debit card... and you can have it when you're 15. I think I got mine when I was around 15.

[blackfox]

Currently US BanCorp (US Bank). No problems - they've been pretty good to me.

Was a B of A customer for about a decade, but their handling of an identity theft issue I had a few years back was abysmal - so I made the switch (I will say that the local branch of B of A was great during the episode, but the corporate office...)

[fireshot91]

I don't want a prepaid debit card.

I want one that just takes money out of my checking account.

[pelicanflip]

HSBC. only local bank near my college as well as my hometown. :(

[timerollson]

Stank of America

[foidulus]

Checking with PNC(wonderful), savings with ING(used to be wonderful). ING has been a pretty good bank, however lately the interest rate on their savings account just keeps on slipping to the point where it's almost useless to put anything in there anymore.

Anyone else know where I can get a higher rate? I saw that CapitalOne offers 1.75 on accounts > $10k, but I don't know how well their service/security is.

Don't want to put my cash in any bank that uses Windows servers:eek:

[InvalidUserID]

First Republic.

Opened my account in NY when I heard that they refund all ATM fees if you pull cash out at other bank's ATMs. If you're from NY, you know that most ATMs are either HSBC or Citi. I'm a fan of neither. This allowed me to use any ATM I could find and not worry about fees.

Thankfully, when I moved back to CA, there is a branch less than 5 minutes away.

YAY!

[Rodimus Prime]

I bank with a small credit union.

No fee, no minimum balance and better interested rate than the best interested rates on the big bank.
Every day I wonder why people bank with the bank like BofA or chase and the worse of the worse Wellsfargo.

[Teh Don Ditty]

PNC (http://www.pnc.com)
ING Direct (http://home.ingdirect.com)
Bethpage Federal Credit Union (http://www.bethpage.coop)

[leekohler]

Oak Bank- one of the few local banks left in Chicago.

[redking31591]

I bank with a little no name local credit union. great service. my dad's had an account there for 30 years so he gets some perks that I get too. They have loans rates that rival big national banks. though my student loans are though Wells Fargo 'cause there rock solid because of warren buffett.

[rdowns]

No fees what so ever.

http://brandlicanblog.files.wordpress.com/2009/01/pt-piggy-bank-pink-2.jpg

[emt1]

I don't want a prepaid debit card.

I want one that just takes money out of my checking account.

Not gonna happen when you're 15.

[MacVixen]

I bank at 3 different places for a variety of reasons:

Bank of The West - my main bank for the last 15 years. They've been great, good at catching some fraud transactions. Great at restoring my account when my checkbook was stolen. I like them because the aren't *too* large, but have plenty of ATM locations in my area.

B of A - hate them. Only have the account because it's joint w/ my husband who has banked with them since he was 5 or something. The only good thing I like about them is their extremely expansive ATM network.

Local credit union - Specifically connected to my work. It consists of a whopping one whole branch. They are great, greet you by name when you walk in the door - you barely have to give them your name, much less your account number! They are also great w/ loans - I went to the branch, applied for a car loan, and by the time I got back to work 20 minutes later, I had a voice mail telling me I was approved! Their ATM network is not large, but they partner w/ other local credit unions, so I still have plenty of ATMs to access - even for deposits - w/out paying those exorbitant "service fees"

--In case you haven't guess, ATM access is critical for me. I rarely walk inside a bank branch, I just need the machine

[emt1]

I bank at 3 different places for a variety of reasons:

Bank of The West - my main bank for the last 15 years. They've been great, good at catching some fraud transactions. Great at restoring my account when my checkbook was stolen. I like them because the aren't *too* large, but have plenty of ATM locations in my area.

B of A - hate them. Only have the account because it's joint w/ my husband who has banked with them since he was 5 or something. The only good thing I like about them is their extremely expansive ATM network.

Local credit union - Specifically connected to my work. It consists of a whopping one whole branch. They are great, great you by name when you walk in the door - you barely have to give them your name, much less your account number! They are also great w/ loans - I went to the branch, applied for a car loan, and by the time I got back to work 20 minutes later, I had a voice mail telling me I was approved! Their ATM network is not large, but they partner w/ other local credit unions, so I still have plenty of ATMs to access - even for deposits - w/out paying those exorbitant "service fees"

--In case you haven't guess, ATM access is critical for me. I rarely walk inside a bank branch, I just need the machine

Why are ATMs so important?

[sushi]

I bank with ailerons, of course!
I figured that you would use the Flap bank so that you would have stall protection on your account. :D

(I know, don't quit my day job.)

[Rt&Dzine]

The mattress. No fees and it's interest free!

[MacVixen]

Why are ATMs so important?

I just find them very convenient as they are 24/7. I never know where I will be when I need cash, so having local ATM access is a good thing.

plus, some bad memories of B of A - as a teen, I had some sort of "ATM only" account and I was charged $5 or something every time I walked into the bank rather than use a machine :eek: I think it just trained me to take care of everything via ATM and to avoid real tellers at all costs.

[emt1]

I just find them very convenient as they are 24/7. I never know where I will be when I need cash, so having local ATM access is a good thing.

plus, some bad memories of B of A - as a teen, I had some sort of "ATM only" account and I was charged $5 or something every time I walked into the bank rather than use a machine :eek: I think it just trained me to take care of everything via ATM and to avoid real tellers at all costs.

Debit card.

[r.j.s]

Why are ATMs so important?

ATMs are one of the great things about USAA, they don't own any, so they will refund other bank's fees each month when you get cash.

[MacVixen]

Debit card.

Except when people don't take debit cards - i.e., the cafeteria at my work is cash only but my local credit union has an ATM at my work location so it works out ok. I use my debit cards probably 90% of the time, but some places still insist on the greenbacks :D

[taylorwilsdon]

Have checking, savings and a credit card with Wells Fargo. They've generally done right by me.

[Love]

Not gonna happen when you're 15.

Move to Canada. I was able to open an account like that at the age of eleven.

[iowamensan]

Local bank. Great rates, great service. I just refi-ed my mortgage via email. The loan officer brought the paperwork to my house for me to sign the papers. Never had to go to the branch. Try that with any national bank that has their hands out for a bailout.

[Signal-11]

In the states, I used to bank with Riggs. It was easily the single best bank for foreign currencies and transactions. I guess too easy, considering what they were involved in. :(

ABN AMRO, Shinhan and Barclays. And Wachovia, now Wells-Fargo. These super-mega-ultra-multi-international banks never work the way they're supposed to. They'll tell you, "Oh, we have branches in eleventy countries, blah blah blah," but when you actually try to anything else other than taking money out of an ATM, they'll still hit you with transaction fees, foreign currency fees, transfer fees and delays and delays and delays. I even fell for that line from HSBC once about how they can arrange for credit scores to be transfered/translated to every country in which they operate. Bullpuckey.

Bank, pah. :mad:

[Reventon]

TD Canada Trust (http://www.tdcanadatrust.com/) and ING DIRECT (http://www.ingdirect.ca/en/) because I work there. :)

[Captain Awesome]

RBC here :)

I keep some of it in PayPal if that counts.

[Teh Don Ditty]

RBC here :)

I keep some of it in PayPal if that counts.

How does one keep money in PayPal? Surely they take it all :p