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  1. #1
    Centurion Member
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    Default Move My Money To Chase?

    Hi Guys,
    I've been with PNC for about 4.5 years now. They've always been good to me, the branch manager loves me and I always end up spending like an hour talking to her when I go in there, but I feel like the bank is lacking.

    Here's why:
    - Their credit cards SUCK
    - They have to mail me a new PIN for my online account if I get locked out because Quicken goes haywire, and that takes like a week
    - They have to mail me a new debit card if I end up needing one

    Now, here's what I like:
    - You get perks with a $1,500 minimum daily balance, and the same thing with Chase requires $15,000 (yes, 10 times the amount)
    - SUPER FAST service. There can be a line of people and I've never been there more than 5 minutes.


    Other reasons:
    - I have the Freedom and plan to get a CSP in the future
    - My car loan is with Chase

    I'm debating on whether to switch to Chase or not. It'd be a lot easier since my primary CC and car loan would all be in one place. Anyone else want to point out some things I might be missing?

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  2. #2
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    Default

    I got a Chase checking account for the $200 sign up bonus. If you can direct deposit $500/month or leave $1500 in the account there's no charge to have it.

    There is a small Ultimate Rewards bonus on some Chase credit cards if you have a checking account there.

    Ask them if they'll lower your car loan APR if you use their checking account to make the payments from.
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  3. #3
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    Default

    > "They have to mail me a new debit card if I end up needing one"
    Thats standard practice in my experience.

    What kind of perks are you looking for? I use a combination of Chase (little above minimum balance) and Ally Bank for checking. I have no checks from Chase but I get free checks from Ally Bank. I write checks from my Ally Money Market for rent and 2 credit card payments since its much higher interest than interest checking (0.95% vs 0.40). For that, I have to stay under 6 transactions a month. The rest of my CC payments come from my regular Ally Checking account. Ally also gives you ATM fee reimbursement, so you can use BofA, Chase, Wells Fargo, or any other ATM for free. However I tend to just use Chase ATMs with my Chase debit card.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  4. Centurion Member
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    Default

    If you have a business account with Chase, the checking perks are free. The business account has a $15 fee, but you can avoid that. I spend $1000 on my connected Ink card. Fee waived and 5000 points!
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  5. #5
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    Default

    Quote Originally Posted by DavidNY View Post
    I got a Chase checking account for the $200 sign up bonus. If you can direct deposit $500/month or leave $1500 in the account there's no charge to have it.

    There is a small Ultimate Rewards bonus on some Chase credit cards if you have a checking account there.

    Ask them if they'll lower your car loan APR if you use their checking account to make the payments from.
    I currently have a Chase Checking account that sees $600/mo direct deposit to avoid the charges (I also get the Freedom 10+10 with this) and $400/mo of it gets paid to my car loan, which is also held by Chase.
    Quote Originally Posted by RewardHop View Post
    > "They have to mail me a new debit card if I end up needing one"
    Thats standard practice in my experience.
    Chase and TD have both re-printed and handed me one on the spot

    Quote Originally Posted by RewardHop View Post
    What kind of perks are you looking for? I use a combination of Chase (little above minimum balance) and Ally Bank for checking. I have no checks from Chase but I get free checks from Ally Bank. I write checks from my Ally Money Market for rent and 2 credit card payments since its much higher interest than interest checking (0.95% vs 0.40). For that, I have to stay under 6 transactions a month. The rest of my CC payments come from my regular Ally Checking account. Ally also gives you ATM fee reimbursement, so you can use BofA, Chase, Wells Fargo, or any other ATM for free. However I tend to just use Chase ATMs with my Chase debit card.
    PNC will reimburse me for ATM transaction fees. I almost NEVER use the ATM, but if I am in a jam and need to, they cover it. Otherwise I don't have a specific list, I'm just saying it's less than PNC offers.

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  6. #6
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    Default

    Quote Originally Posted by djrez4 View Post
    I spend $1000 on my connected Ink card. Fee waived and 5000 points!
    Cool. I didn't know they would waive the biz checking fee for using the Ink card.
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  7. #7
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    Default

    Quote Originally Posted by kcarter609 View Post
    PNC will reimburse me for ATM transaction fees. I almost NEVER use the ATM, but if I am in a jam and need to, they cover it. Otherwise I don't have a specific list, I'm just saying it's less than PNC offers.
    Consider doing Chase and then having an Ally Checking account. Theres no minimums and fees even if you keep only $10 at Ally.
    Use any ATM you want and your reimbursed for the fees at the end of the statement cycle.

    Amex BCE: 3% grocery, 2% gas
    Bank of America Better Balance Rewards MC: $25/quarter bonus
    Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
    Capital One Quicksilver Visa Signature: 1.5% everything
    Chase Freedom Visa Signature: 5% rotating
    Chase Sapphire Preferred: 2% travel
    Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
    US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
    Chase Amazon Visa: 3% amazon.com (unused)
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  8. Centurion Member
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    Default

    Skip Chase in favor of Ally unless they do offer you way better terms on your car loan, you can get their credit cards without having money there, they don't do secured credit cards, and unless your balance is 5+ figures they're not going to count it for much if you don't have good credit. Even their top tier perks don't match what Ally offers with no balance minimums or fee waiver or monthly fee requirements. Their Checking pays more than Chase's Savings with a 5 figure balance and Ally savings is more than twice their checking and can be linked for free. You can use any banks atm for free.
    Sole Ownership Cards:
    1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
    Citi Forward Student Visa, $6k CL, Open Since 10/2012
    Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
    SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
    Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
    Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
    US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
    Authorized User (Parents Pay/Use)
    Costco TrueEarnings Amex $29.4k CL, AU since 11/2012
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  9. #9
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    VA
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    Default

    They keep offering me $125 for putting $10k in new money into a savings account for 6 months...equivalent to 2.5%. I'll have to take a look at Ally.

    Active Cards:
    Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
    Chase Sapphire Preferred ($10k Limit - 2/2013)
    Chase Ink Plus ($7k Limit - 2/2013)
    Discover IT ($9.5k Limit - 10/2012)
    AMEX Zync (No Pre-set Limit - 1/2010)
    AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)
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  10. #10
    Platinum Member
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    Jan 2013
    Location
    NYC
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    Default

    Hey, if you move enough money, you can apply for a Palladium card
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