Who do you bank with?

A place to discuss anything... except credit cards!
82 posts
FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Jan 16, 2013 6:21 pm

DavidNY wrote:I think the quality of teller service depends on the branch as well as when you go. I go less often since they began processing checks by smartphone app.


That feature is awesome. I only go to deposit cash now.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape


FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Jan 16, 2013 6:21 pm

kcarter609 wrote:BofA is one of the worst banks. Super slow service too.


BofA sucks.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Scoobynoodles
Platinum Member
Platinum Member
 
Posts: 53
Joined: Sat Jan 19, 2013 9:06 pm
Location: NYC

Postby Scoobynoodles » Sat Jan 19, 2013 10:07 pm

I currently bank with Chase & Fidelity - yes Fidelity - and I used to bank with Bank of America.

My first year of college, I opened up a BofA CampusEdge Checking which had no fees. BofA had a strong presence in my school's city and came to our campus signing students up. Similar to JNK's experience, they suddenly changed my account to a non-student checking with the fees if there wasn't $1K present in my account, while I was still in school (senior yr) without giving me any heads up. So being in college doesn't mean you have a college checking account?! This was also during the height of the financial crisis and BofA was suffering a total PR meltdown. I marched myself to a BofA branch and closed my account. As a decent gesture to save face, they reimbursed me for the checking maintenance fees. A bank rep told me after 5 years, the account is automatically changed to the non-student account.

In my last year of college, I opened a Chase college checking which I still use. A banker wanted me to switch to a non-student account but I am keeping it until they upgrade it. It does the job and am satisfied. Being in NYC, there are Chase branches everywhere and the mobile app is pretty solid.

I came across Fidelity's Cash Management Account while looking for investment solutions and immediately fell in love with it. Fidelity reimburses you ATM fees, free checkwriting, billpay & mobile check deposit. It is a perfect alternative to the Big 4 and I thoroughly enjoy it. I subsequently opened a Fidelity investment account as a complementary tool but is not required. Highly recommend it!!!

I'm relocating to the MidWest for a few years and Chase doesn't have a strong presence, so will be using Fidelity as my primary banking account, even though one doesn't think of Fidelity as a bank!
AmEx Platinum 2009 & Blue Cash $3.5K Delta Gold $2K
BofA BankAmericard $6K | Chase[/i] Sapphire Preferred $10K & Amazon $1.5K Freedom $2.2K | CACU Platinum $13K
Discover Cashback $8.5K & It $6K | Citi Simplicity $5.6K & TY $4.3K

beef.stu
Centurion Member
Centurion Member
 
Posts: 122
Joined: Wed Dec 26, 2012 12:03 am
Location: Bay Area

Postby beef.stu » Sun Jan 20, 2013 4:29 am

I use a Wells Fargo for checking and savings. Soon I will add a charles schwab checking account to that.

once my free college checking account expires I may change my bank since I hate the thought of having to deal with possible account fees if I have to make a large withdrawal in the event of an emergency
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature

ilikeme1
Gold Member
Gold Member
 
Posts: 45
Joined: Sat Jan 12, 2013 9:28 pm
Location: texas

Postby ilikeme1 » Sun Jan 20, 2013 11:20 am

The best bank of all, USAA. I have had them since 2010. Before that I had Wells Chargo, Capital One, and WAMU. I also have an account at Navy Federal CU for the atm cash deposit access.
Wallet:
AMEX BCP: 9K (2012) (every day expenses, gas, groceries, department stores)
AMEX Zync: NPSL (2011) (large expenses)
AMEX Costco: 4k (2013) (Costco, gas, and restaurants)
Discover IT: 5K (2010)
PenFed Plat Rewards Visa: 3K (2012) (Gas, Target)
USAA Plat MC: 7K (2010) (everyday expenses, places that do not take Amex or Discover)
US Bank Cash+: 7K (2012)
Target REDCard 3k (2013)

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

Postby kcarter609 » Sun Jan 20, 2013 1:17 pm

FutureBillionaire wrote:That feature is awesome. I only go to deposit cash now.


I've had no luck with those phone apps for PNC or Chase. I refuse to use them. They keep saying my checks aren't signed, when they clearly are. I had to sign one with a permanent marker to get it to read.

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)

Bksuper
Centurion Member
Centurion Member
 
Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Sun Jan 20, 2013 2:30 pm

The Ally one is decent
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

Troublemaker
Platinum Member
Platinum Member
 
Posts: 53
Joined: Sun Jan 20, 2013 9:18 am
Location: USA

Postby Troublemaker » Tue Jan 22, 2013 10:40 am

Main checking account is with a local credit union. I do keep another one with Chase. Since I do a direct deposit on both of them they are both free checking.
DoubleCash '99:10k / Freedom '07:11k / CU '11:15k / Slate '14:13k / Premier '15:10k / InkPlus '15:5k

darkguy2
Centurion Member
Centurion Member
 
Posts: 606
Joined: Thu Jan 24, 2013 12:24 am
Location: United States

Postby darkguy2 » Thu Jan 24, 2013 1:30 pm

I have a high interest savings account with Ally but my main bank is BB&T which has always been good to my family. I have a student account that has no fees and I have a get out of fee card that I can use in case I have a overdraft fee or such. Also nice that it is linked to my dads account so he can easily transfer money to my account if I need it.

The only downside is that they are not as large as the bigger banks and do not have all of the automation that the big ones do. I am not sure how long I will be able to keep it since I am getting close to finishing college. I also have a 5/3 checking account but there is little to no money in there.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

ceemee
Gold Member
Gold Member
 
Posts: 34
Joined: Fri Jul 27, 2012 6:09 pm
Location: CA

Postby ceemee » Sat Jan 26, 2013 10:09 pm

Main Checking: Schwab
Brokerage: Schwab
Main Savings: AMEX
Misc Savings: ING

I've kept my BofA which I've had for years, since college, but I hate their checking, so I only keep them to process the same 2 transactions every month.



Return to “The Lounge”

Who is online

Users browsing this forum: No registered users and 0 guests