What is the best bank?

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amdforever2

Golden Member
Sep 19, 2002
1,879
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Right now I'm using Bank of America. If I don't use direct deposit I'm assessed a fee just for having the account, as it stands now, I pay nothing. Commerce Bank charges you a fee only if you don't use your checkcard a certain number of times per month. US Bank gives you money back on using your check card and signing and charges no fees or anything.

I'm thinking of switching to US Bank unless someone has some better ideas?

The tellers are never friendly at Bank of America either.
 
rh71

rh71

No Lifer
Aug 28, 2001
52,844
1,049
126
Washington Mutual has great customer service, a great website for all your banking needs, and a great Free Checking plan. They're all over the place here in NY.
 
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amnesiac

Lifer
Oct 13, 1999
15,781
1
71
Talk to a banking service rep. They'll waive the fee if you ask. I've had free checking with unlimited free teller visits for years now. No minimum balance either.

I wouldn't switch from BofA unless I moved out of state. The only ATMs you can find anywhere in SoCal are all BofA.
 
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xuanman

Golden Member
Oct 5, 2002
1,417
0
0
i like citi but not b/c of their service. i like the convenience of being just about anywhere in the country or world and having a citibank around.
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,034
441
136
Originally posted by: xuanman
i like the convenience of being just about anywhere in the country or world and having a citibank around.
Click to expand...

That would be nice, my bank (employer) isn't worldwide and is in most states but they do offer 24/7 phone customer service like most Fortune 500 corporate banks.
 
B

bmacd

Lifer
Jan 15, 2001
10,869
1
0
Comerica bank has great customer service, IMO. My credit union is pretty cool too.

-=bmacd=-
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,034
441
136
Originally posted by: uncJIGGA
BofA pwns me!
Click to expand...

BOFA only owns me because:
1) They bought out my original and FAVORITE bank back in the early 90's, First Security Pacific - that was a great bank. Back in the day of 7% CD's and standard 4.75% for savings accounts.
2) Alaska Airlines chose BOFA for their airlines cc so I'm stuck with BOFA if I want AA miles.
 
Vic

Vic

Elite Member
Jun 12, 2001
50,422
14,337
136
WAMU or a local credit union. I use both.

edit: I hate BofA. About 6-7 years ago, they ripped $300 out of my account because of an ATM error (ATM posted a single withdrawal of $100 to my account 4 times). BofA refused to work with me or even check the problem and the account manager even told me (and yes I do quote), "The Bank of America is never wrong." "Cashier's check please," was my reply. :|
 
FelixDeCat

FelixDeCat

Lifer
Aug 4, 2000
31,049
2,691
126
Bank One. Thats why they have the 'one' in their name. Because they are #1. Heck they told you right there. Why even ask?
 
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Dragnov

Diamond Member
Apr 24, 2001
6,878
0
0
BofA is great to me!

Lemme see what my card says...
"Customer Since 1993". :D

Wow, I had a savings account age 11!
 
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Night201

Diamond Member
Apr 23, 2001
3,697
0
76
Commerce Bank doesn't charge me anything if I don't use my check card. As long as you keep $100 in your checking, you're fine. I've never been charged anything and I have been with them for 3 years.

You might find BankRate interesting/helpful.
 
A

amdforever2

Golden Member
Sep 19, 2002
1,879
0
0
The only credit union nearby is Community America, and if I move out of my county I have to close all my accounts.

Community America is a huge credit union, they're in multiple states and everything.
 
amdskip

amdskip

Lifer
Jan 6, 2001
22,530
13
81
I go to a locally owned bank where the tellers are freakin hot! I knew RossMan was gonna say credit union.
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,034
441
136
Originally posted by: amdskip
I go to a locally owned bank where the tellers are freakin hot! I knew RossMan was gonna say credit union.
Click to expand...

Pics and of course, CU's rock :)
 
D

deftron

Lifer
Nov 17, 2000
10,868
1
0
Wachovia is the best large bank.

I love them..nice people, free Express account with direct deposit, ATM deposits post on the same day up till 4pm, you autamaitcally get the first $100
accredited to your account right away (deposit $150 at 10pm, $100 in your account instantly, rest shows up next day)


The worst bank I've had was Suntrust .. A-holes. They signed me up for some insurance crap that took $10
out of my account every month and I couldn't cancel it without closing the account,

I had Bank of America when it was Nations Bank.. nothing spectacular, but a lot of ATM's



Local banks are OK, but they don't have many ATMs and don't give check cards
 
A

amdforever2

Golden Member
Sep 19, 2002
1,879
0
0
Anyone ever used UMB Bank?

United Missouri Bank

They're large, even with the name that indicates they're one state only.

They do a lot of corporate type stuff.

Here at least Target and Kmart and all them use UMB for check processing and such.
 
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