Sidebar Sidebar
Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

Who do you bank with?

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.
 
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.
 
No fees what so ever.

pt-piggy-bank-pink-2.jpg
 
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
 
MacVixen said:
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
Click to expand...

Why are ATMs so important?
 
emt1 said:
Why are ATMs so important?
Click to expand...

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.
 
MacVixen said:
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.
Click to expand...

Debit card.
 
emt1 said:
Debit card.
Click to expand...

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
 
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.
 
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:
 
You must log in or register to reply here.
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.
Top Bottom
Back