What Bank Do You Use?

[caudio51]

Do you use a national bank or a local?

For what reason do you bring your business to that bank? What were your considerations in choosing them? What services do you use them for?


I myself use a national, Wachovia. I began using them as my parents opened my first account there and I have stayed with them.

I currently only use them for free checking/ATM. I utilize ING for my savings account.

[smokem94]

Wells Fargo.....got stuck with them when our small town bank was gobbled up by them.

[dpricenator]

ING for savings as well.

I use CITIBANK for normal checking. I got stuck with them when CalFed was taken over. I already had all my online bill pay set up, so I've stayed. I hate them otherwise. If you call for an issue, you get to talk to some tool in India. :angryteet I do not recomend CITI to anyone.

[jwintosh]

San Diego County Credit Union! direct deposit, no worries! i have a few leftover deposit slips if anyone would like to contribute to my cause (i have lots of them, so just fill in the blank _________________________ )!

[Boppa-Wasch]

Quit the Bank when they wanted to "FEE" us to death. Went with the Credit Union. Direct deposit, free on line banking, free on line bill paying, secure accounts (they monitor for things that don't fit you profile). No penalty, FEE or charge for dealing with fraudulent activity. Only thing still with a "Bank" is the Mortage on the house.

[timothyjohncarney]

I use and love Everbank. AFAIK they were one of the first to refund your ATM fees.

www.everbank.com

[Nate]

I use Chase for normal checking and ING for my savings

[CWS]

Wells Fargo. They have a sweep account that moves the cash around. They still suck.

[jeeper]

I use a credit union. Cyprus Credit union. Local to Utah, none in vegas, kinda sucks but I do direct deposit and all my bills are payed online so no big deal.

[acaffey]

Wells Fargo. They have a sweep account that moves the cash around. They still suck.

Will it sweep into Wells Fargo accounts and services only or can you sweep to external accounts as well?

[CWS]

Will it sweep into Wells Fargo accounts and services only or can you sweep to external accounts as well?

I can pull from the Wells account but it sweeps all cash from three accounts to an interest bearing account daily.

[acaffey]

I can pull from the Wells account but it sweeps all cash from three accounts to an interest bearing account daily.

Ahhh... I have one that sweeps funds in excess of a threshold I set into multiple accounts (MM, IB Savings, etc.), but no intrabank xfer which would make things simpler (and probably more expensive).

[Johnny7]

HSBC which is worldwide and crap but the mortgage is with them and I went with them originally when I was a student many many years ago.

[tedski]

I used to bank with DCH (Dewey, Cheatem and Howe) ... but I closed the account after only a few months. Seems that no matter how much I deposited, I was always overdrawn. :wtf:

[cvm4]

You gonna rob us Tom??? :grin:

[blessednxs65]

First Technology CU for mortgage and savings, and Union Bank of CA for all other services. They operate almost interchangeably when it comes to transfers and all that.

[jmatkins]

Bank of America

[Jwrussell]

I'm moving all my accounts to an online bank. I don't need tellers and I can get one hell of a better rate on my savings with them. I get checks, I get ATM fees refunded. And as I'm thinking of going with WaMu I'm pretty sure I can use their ATMs for deposits so...I'm good.

[Broadway Joe]

I use Citizens, b/c they are everywhere locally. But I'm really interested in the B.O.A. ads that promote the checking account that rounds off the cents and puts it into a savings acct. Any of you guys have any experience with that?

[tobby4]

Bank of America.

and yea I have the roll over thing.. but I transfer money between the accounts so often that it really does not matter...

[dpricenator]

I use Citizens, b/c they are everywhere locally. But I'm really interested in the B.O.A. ads that promote the checking account that rounds off the cents and puts it into a savings acct. Any of you guys have any experience with that?


II heard the round up program is only up to $250. Not that I scoff at $250, but it seems gimicky to me.

[cvm4]

If this is what you're talking about, then basically they get to play with the money you rolled over and the money they "will" contribute. You don't even see the money for a year. Looks like a nice Time Value of Money equation to me though. Doesn't seem worth it, IMO. The only way it would be is if you maxed out in the first 3 months where they match your savings 100%.

http://www.bankofamerica.com/deposits/checksave/index.cfm?template=keep_change&adlink=000302027g850000c336

[Electric Sheep]

I use my credit union (TEXANS CREDIT UNION) for two reasons:

#1 - Because I love the fact that credit unions aren't owned by a bunch of "fat cat" board members, so all the profits are returned back to the membership, either in dividends or increased products/services. It's nice to know that NO ONE is getting rich off my money.

#2 - Because I work at the credit union! :rolling:

[jmatkins]

II heard the round up program is only up to $250. Not that I scoff at $250, but it seems gimicky to me.

It is a little bit, it is only on one card usu a debit card wich I hardly ever use. I also trade money between accounts so I don't always see it. I started w/BoA years ago when they bought the bank I was doing business with, that has been 13+ years ago so that is what I have stuck with.

[no_substitute]

Wachovia now. It was Nation's Bank for years, the they were bought out by Bank of America. I got tired of BoA nickel and diming me, so I withdrew all my money and went to Wachovia. Also have an ING online account also... :)

[Cigar_Jack]

I've been using PNC Bank for years without any issues.

[Jwrussell]

I had experieince with the BoA round up thing and I thought it was a good deal. But then again, when at the gas station I started making sure I didn't go over the next dollar when I was close to filling up....so you do kind of adapt to it one way or another.

I just moved over to WaMu. Completely free checking with all the amenities and their online Savings paying at 5% APR. Can't beat it baby.

Oh, one thing that I did love about BoA. They just started this thing where you can actually kind of balance your account on line by checking off transactions as they occur. Not useful to all, but it helped me to make sure I was keeping track of everything and that there weren't any strange charges I didn't recognize.

[acaffey]

#2 - Because I work at the credit union! :rolling:

What do you do for Texans? They were a client of mine until our company restructured at the end of last year. I spent a good bit of time at the main office.

[CWS]

My company just was just purchased by a sub of U.S. Bank. I guess we will be switching since everything is free and to be politically correct.

[Electric Sheep]

What do you do for Texans? They were a client of mine until our company restructured at the end of last year. I spent a good bit of time at the main office.

I am a Graphic Designer.

I work in the marketing department on the 4th floor of the main office (Campbell Rd & 75).

What company do you work for, and what do you do?

I hope your answer isn't financial related; I'm afraid I don't know anything about the financial side of things. LOL

[BradMc]

I just went to Wells Fargo, Lots of freebe's, Like Chuck said , I can move $$ from one of 4 acct. Bill Pay is great (Fast)......