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Banks

Victor FrostVictor Frost
edited May 2010 in Everything Else
My family switched from Bank of America to a smaller Korean bank called Hanmi Bank (don't ask me why). I am getting very upset with their level of service and I'd like to switch to another bank. Do you guys recommend any banks in particular?

Comments

  • Dr. TimoDr. Timo
    edited May 2010
    Darn, I thought this thread was going to be about Iain M.

    I recommend Use of Weapons.
    Post edited by Dr. Timo on
  • GreatTeacherMacRossGreatTeacherMacRoss
    I like HSBC. Free online checking, online savings accounts with interest rates as high as some CV's, good customer service, and also wasn't part of the massive credit scandal last year. :\
  • AprecheApreche
    They're all the same. Just make sure you read the fine print to avoid fees. Get whatever has the most convenient branch locations.
  • George PatchesGeorge Patches
    Yeah, get a bank that's close. I use PNC and love it, but they only have a strong presence in the north east corridor.
  • RymRym
    They're all the same.
    Quoted for truth. A bank's a bank. Pick the ones with the most ATMs near you and the most features that you actually use.
  • CremlianCremlian
    edited May 2010
    Since I live in the land of Wawa, I tend to support local banks just because they tend to be less crazy with fees and more focused on costumer service. (at least around here) and since I don't have to worry much about getting money out of a non-WAWA ATM I don't have to care much about the fees associated with not finding an ATM of my small bank.

    //Support Local banks! (until they get eaten up by a bigger one)
    Post edited by Cremlian on
  • RymRym
    ince I live in the land of Wawa, I tend to support local banks
    When I lived in Beacon, the local credit union was the way to go. But, living in the City, the big banks have all the real customer service. It helps that my bank has branch offices in my office building AND next door to my apartment. I can just walk into either one and get free personal service. ^_^
  • George PatchesGeorge Patches
    I don't ever need to or really ever want to talk to a person when I do banking. Last time I was at a bank, the clerk was trying to sell me on a new account package.
  • Kate MonsterKate Monster
    edited May 2010
    They're all the same.
    Quoted for truth. A bank's a bank. Pick the ones with the most ATMs near you and the most features that you actually use.
    Well, yes and no, they aren't all the same. If you are looking just to have a basic savings/checking account, then they are - for the most part- all the same. You should look around for better interest rates combined with ATM availability and service. If you are looking for a bank in order to get a loan or purchase CDs, then banks differ relatively drastically and you should really shop around and look into any credit unions you can qualify to join.
    Post edited by Kate Monster on
  • RymRym
    If you are looking for a bank in order to get a loan or purchase CDs, then banks differ relatively drastically and you should really shop around and look into any credit unions you can qualify to join.
    That is definitely true, though sadly most people never use any of those services other than ATMs.
  • JasonJason
    I don't ever need to or really ever want to talk to a person when I do banking. Last time I was at a bank, the clerk was trying to sell me on a new account package.
    I'm with George. Choose the bank with the best online banking experience.
  • NuriNuri
    Credit Unions FTW. I still use the State Employees CU back home, but it sucks because I have to mail checks home for mom to deposit. No branches out of state (for obvious reasons). Sadface.
    I tend to support local banks just because they tend to be less crazy with fees and more focused on costumer service.
    Oh man, that sounds like the kind of bank Moe and I should check out. We could definitely use some costumer service! Making Pete an entire weekend's worth of clothes during exam week is lots of work.
  • MattMatt
    I got a pretty helpful checking account feature through TDBank: no ATM fees. There is a minimum you must keep in your account to trigger the feature, but having next months mortgage set aside and held in the account awaiting its direct withdrawl takes care of that. I didn't realize how much I would use it at the time, but it has just become so convenient, especially when going to places such as a baseball stadium or casino where you know you will need cash, but the location will have ridiculous ATM fees. Who cares, you don't pay them.

    The difference in typical checking interest rates usually adds up to an insignificant amount of money, so I agree that avoiding fees should be your top priority, followed by branch location.
  • YoshoKatanaYoshoKatana
    Chase has tried to screw me over less than other banks. Wells Fargo, while providing great service most of the time, would sometimes just randomly not deposit paychecks, then retroactively deposit them to cover their asses. That wasn't fun. Bank of America isn't terrible, but has high fees. M&T Bank can't manage to not fuck up direct deposit every. single. time.
  • SailSail
    I used Union Bank of California and they have good, free online banking. Although, you probably don't want to bank there if you're planning on moving back to the east coast eventually.
  • Victor FrostVictor Frost
    I used Union Bank of California and they have good, free online banking. Although, you probably don't want to bank there if you're planning on moving back to the east coast eventually.
    Well, I don't think I'll be heading back east within the next 2-5 years. Actually, My parents have been looking into that bank as well, so I'll look at that a little more closely.
  • NuriNuri
    Wells Fargo, while providing great service most of the time, would sometimes just randomly not deposit paychecks, then retroactively deposit them to cover their asses. That wasn't fun. Bank of America isn't terrible, but has high fees. M&T; Bank can't manage to not fuck up direct deposit every. single. time.
    I had a friend who had a similar problem. The check would show up as cleared in her acct, then would mysteriously disappear long enough for a draft payment to cause an overdraft, and then the check would suddenly be in the account again, with a later clear date. It was clearly a scam to collect overdraft fees, and she gave them a whole mess of shit for it. She got the fees refunded, but still... not exactly making themselves look trustworthy.
  • GreatTeacherMacRossGreatTeacherMacRoss
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  • MarcusNobleMarcusNoble
    My family has always been with the regional bank here in the DC metro area Chevy Chase and has never had any problems with them. Also to note, Chevy Chase has nothing to do with Chase Bank (a completely different financial institution) or with the actor of the same name.
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