Who do you bank with?

A place to discuss anything... except credit cards!
82 posts
gold-rick
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Joined: Fri Sep 21, 2012 2:20 am
Location: USA

Postby gold-rick » Tue Oct 30, 2012 8:56 pm

Capital One - Checkings & Savings

ING - For my extra money


Marcov719
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Joined: Thu Mar 01, 2012 1:24 am
Location: US

Postby Marcov719 » Thu Nov 01, 2012 10:18 pm

I bank with my local credit union and ING Direct. Credit union is mainly used for paying bills and ING for spending money and savings.

hematino
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Posts: 339
Joined: Fri May 11, 2012 4:08 pm
Location: Atlantic City, NJ

Postby hematino » Fri Nov 02, 2012 4:14 am

PenFed primarily for checking and savings, althought to a lesser extent I also use DCU and South Jersey Credit Union. Also have a checking account with TD Bank cause I want an account at a local brick and mortar bank, and TD has way more convenient hours then Bank of America or Wells Fargo.
Now she's eyeless.
The snakes she held once
Eat up her hands.

Money card
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Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Sat Nov 03, 2012 8:21 pm

Ameriprise for investments and Td for checking account.

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Socelli
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Joined: Fri Aug 10, 2012 7:03 pm
Location: El Paso, TX

Postby Socelli » Thu Dec 06, 2012 9:49 am

Personal Checking and Savings: USAA

Business Checking: Band of America

Credit Union: Pentagon Federal Credit Union (PenFed CU)
Cards:
American Express: Business Platinum-NPSL, Delta SkyMiles Gold-$2K
Chase: Sapphire Preferred-$5K, Southwest Airlines Visa-$3.7K, Freedom-$400
USAA: Platinum MC-$4K, Advantage Rate MC-$4K, Amex-$4K
FBNO: BucksBack Visa-$1K, Amex-$1.7K
GECRB: Walmart Discover-$3,7K
Barclays: Financing Visa-$3.2K, Juniper MC-$1.1K
Capital One: Platinum MC-$1.5K, Platinum MC-$750
CFNA: Firestone-$1.6K
CitiBank: Office Depot Business Card-$1K

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Socelli
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Posts: 77
Joined: Fri Aug 10, 2012 7:03 pm
Location: El Paso, TX

Postby Socelli » Thu Dec 06, 2012 9:51 am

That's BanK of America, excuse me.
Cards:
American Express: Business Platinum-NPSL, Delta SkyMiles Gold-$2K
Chase: Sapphire Preferred-$5K, Southwest Airlines Visa-$3.7K, Freedom-$400
USAA: Platinum MC-$4K, Advantage Rate MC-$4K, Amex-$4K
FBNO: BucksBack Visa-$1K, Amex-$1.7K
GECRB: Walmart Discover-$3,7K
Barclays: Financing Visa-$3.2K, Juniper MC-$1.1K
Capital One: Platinum MC-$1.5K, Platinum MC-$750
CFNA: Firestone-$1.6K
CitiBank: Office Depot Business Card-$1K

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sun Dec 09, 2012 5:07 pm

A question for you people who still use TD... How on earth do you tolerate them? I've asked a lot of people and so many of them are like "I get direct deposit so I don't go to the bank" Well, I guess that might be why you still use them, but I want an answer from someone who actually visits the branch.

I've been to several TD Bank branches, and I have to say I would rate it below WF and BofA. I used to have an account there, but closed it years ago and never looked back. TD is the SLOWEST bank on the planet. And it's not just my local branch. I've been to them all around the county. They always have 2-4 tellers at the counter, and 99% of the time, only one is actually helping customers. The rest are just counting money or wandering around behind the counter. In a line with about 8 people, I literally stood waiting for over 35 minutes to make a deposit that took under 30 seconds when I finally got my turn. It's not like this was a 1 time occurrence either. It's every single time I go. Unfortunately, my job uses TD for their business banking, and I have to do a lot of deposits there. Drive through is a minimum 15 minute process with just 1 car in front of you. No matter what time of day or day of the week.

I will NEVER go back to TD Bank. PNC has me in and out in 5 minutes, even with a line in front of me. Chase too.

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)

Vermonster
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Posts: 725
Joined: Mon Oct 01, 2012 11:09 pm
Location: NJ

Postby Vermonster » Sun Dec 09, 2012 6:13 pm

Honestly the only reason I am with them is because they are one of the few banks near home that has branches outside of the state. I first started using them when I had a few CDs and as a checking and savings customer I got an extra 1% meaning I was getting 7% on a six month CD. (this was a loooong time ago). Since then the only other choice was Peoples United after they bought Chittenden bank. We used Peoples for our business and had massive problems with tens of thousands of dollars going missing for a few days.

TD has had it's problems too. The branch I go to here in NJ has the exact problems you've mentioned. I stood in line for 30 minuted to withdraw money from my checking account. I had to fill the slip out at the counter because they don't leave checking withdrawal slips with the others. I would use their ATM but it has to be the slowest computer still on a network. It takes about 30 seconds from the time your card goes in to the point you can put in your pin. If someone was in front of you you'll have to wait the 30 seconds for it to finish processing the previous transaction.

The one thing that really pisses me off about them is that the two times I have gone in specifically for more information on credit cards and auto loans, the woman read me the info from their website. When I asked more in depth questions she told me she didn't know. I found it really disturbing that someone with an internet connection could have answered my questions to the same extent as their supposed banking specialists.

But to be honest. I'm now getting my paychecks deposited into a Chase account. And as stupid as it sounds, part of the reason is that Chase has a Windows Phone app where as TD thinks the iPhone is the only phone in the world.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

kcarter609
Centurion Member
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sun Dec 09, 2012 6:29 pm

Everyone is like "Oh they have the best ours. They're open so late." Well, if they weren't so slow, they wouldn't need to be open all those hours.

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)

agp
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Posts: 709
Joined: Fri Apr 20, 2012 10:24 pm
Location: US&A

Postby agp » Sun Dec 09, 2012 6:46 pm

I used to bank with TD, but now I'm with Chase.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred



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