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What Bank in the US do you have account? want to move out from Wells Fargo

I have Chase for checking and credit cards. I've had them since they were Bank 1 for me. I like having a national company, with particularly strong presence in the Great Lakes region (MI, IL, OH).

I looked around at credit unions around me and their rates sucked just as much as Chase's, so I do have two non-Chase savings accounts: one with Ally and one with Capital One 360 (formerly ING).

A "high rate" credit card doesn't matter when you're always paid off every month (if not every week), plus I get tons of rewards points/cash back off the backs of all the bums who fail to pay their bills on time and in full.
 
For checking and savings I have two checking accounts and a savings account with Chase, one of each with my credit union, and savings with Ally bank. Chase is my primary, they have the best mobile banking experience IMO. My credit union doesn't have call center hours after 7pm or on weekends so that is a big deal for me. Seems I always need to call during non business hours for things.
 
For those of you talking about needing a branch, what do you have to go into the bank for? I couldn't tell you the last time I actually stepped foot in a branch of a bank. I do everything online.
 
CEmajr said:
Navy Federal Credit Union is great. I've had them for several years now.
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I have an account at NFCU through my dad. He opened the account in my name when I was 2. Their website could use a makeover (I am still waiting to be converted to the new site). And their iPhone app has improved a lot.
 
gsugolfer said:
For those of you talking about needing a branch, what do you have to go into the bank for? I couldn't tell you the last time I actually stepped foot in a branch of a bank. I do everything online.
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I personally just use a branch for drive through ATMs, as I have a side gig where I am predominantly paid in cash. That or the rare instance where I want specific denominations are the only two situations.

Oh, for kicks, Chase offers free notarizing to account holders. Used that once and doubt I will need to again.
 
CEmajr said:
Navy Federal Credit Union is great. I've had them for several years now.
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I was with them too. They were the quickest when it came to Direct Depoist, Sometimes at 11:58pm your funds for the next day would already be available. I closed my account with them due to lack of locations in NYC area.
 
My checking is in a local branch and my savings was with the online ING. ING was bought out by Capital One and it is now CapitalOne360. I was honestly planning to move to a different bank but CapitalOne has had no real changes since the changeover.
 
I've been using Chase for nearly a decade now. Never had an issue with them, I like that there are ATM's and branches throughout the country so when I travel I don't have to worry about crazy out of network ATM withdrawal charges and such.
 
TheGenerous said:
When the account has a considerable amount of money.
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idk if its the same in america but in the uk you can deal with up to £999,999.99 online before having to show yourself in person and to be honest if you have more than that in your account, you wouldn't be asking macrumors for help, your PA/FA would be doing it for you lol
 
TheGenerous said:
When the account has a considerable amount of money.
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That would matter if you're constantly MOVING considerable amounts of money. I have a large deposit account in a completely different state simply due to the fact that their rates are better than the national banks and our local banks. Of course, beyond our emergency fund (one year), we don't keep extra cash sitting in bank accounts, so maybe you're talking about more.
 
puma1552 said:
Local credit union. Really isn't a use for a major bank when credit unions offer all the same services with better rates and better customer service.
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Agreed. My son hates Bank of America, but I have an "electronic" free account with them. The "free" condition is that I do my banking online or through an ATM. If I go to a human teller for something that can be handled in the other mentioned manners, there will be a fee for that month. This is not my primary bank. That honor applies to my credit union which is physically located in another state.
 
jondunford said:
idk if its the same in america but in the uk you can deal with up to £999,999.99 online before having to show yourself in person and to be honest if you have more than that in your account, you wouldn't be asking macrumors for help, your PA/FA would be doing it for you lol
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I'm guessing it is much different in the U.S. then. For security reasons the ATMs I've dealt with are only stocked with about $40k and most banks limit your daily withdrawals.
 
While I can understand the calls to choose a local credit union, I'm curious about their online capabilities.

I use US Bank and love, love, love, their online service and bill pay. My memories of my local credit union—from just a few years back when I got a car loan—was that their online service was subpar.

So if you do use a local credit union, how do you rank their online services?
 
citizenzen said:
While I can understand the calls to choose a local credit union, I'm curious about their online capabilities.

I use US Bank and love, love, love, their online service and bill pay. My memories of my local credit union—from just a few years back when I got a car loan—was that their online service was subpar.

So if you do use a local credit union, how do you rank their online services?
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My credit union's online banking system isn't the best in the world, but it does everything I need including bill pay, and mobile deposits from their iPhone app.

My main gripe is that the interface is very antiquated (looks like something out of the late 90s) and the requirement of Java for their two factor authentication system, but like I said, it does what I need it to do.
 
yg17 said:
My main gripe is that the interface is very antiquated (looks like something out of the late 90s) and the requirement of Java for their two factor authentication system, but like I said, it does what I need it to do.
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That was my experience as well. I want to work with something that doesn't look like it care from an Atari.

U.S. Bank however, uses a three factor authentication system.

1. user name

2. security question.

3. password
 
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