Who do you bank with?

A place to discuss anything... except credit cards!
82 posts
smills228
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Joined: Wed Nov 07, 2012 11:43 pm
Location: Los Angeles

Postby smills228 » Sun Jan 27, 2013 5:44 pm

My main checking has been with Schwab for a while now. Before that I had BofA, but I switched away because their customer service was a tragedy, and it seemed to be getting harder and harder to find an ATM. In addition to the Schwab account, I have a Chase account that I opened up for the bonus, but have kept around because a) it's nice to have deposit ATMs all around my town and easily available when I travel, and b) the minimums are pretty low--only a $500/mo direct deposit.

Schwab's customer service is seriously incredible--in my experience, they've done even better than companies whose reputations are built on customer service like American Express. I'm hardly ever on hold, they have no problem going out of their way to get me the things I need, and the free checks & ATM fee reimbursement combined probably save me something like $15 or $20/year (not much maybe, but a decent perk).
American Express Premier Rewards Gold
American Express Business Gold Employee Card (Authorized User)
American Express Gold Delta Skymiles
Discover More
Chase Amazon Visa
Citi Simplicity
Capital One Journey


ValerieAnne
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Joined: Tue Feb 19, 2013 7:18 pm
Location: Cincinnati

Postby ValerieAnne » Tue Feb 19, 2013 7:37 pm

I have a savings account with a local bank called Warsaw (there are only 2 locations of the bank). I've had it since I was about 2 but "cleaned it out" as I was growing up. It's got very little money in it, which is there basically so I can keep the account open and for backup. My main bank is Ally, I have 2 MM accounts with them and like them.
Capital One Secured Card (wanted the Cap. One Newcomers card but thought it was only for new to America folks). :( CL: $231

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Calipso
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Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Wed Feb 20, 2013 3:13 pm

I've had bank accounts with:
-Wachovia (2004-2007)
-Bank of America (2009-2012)

I have current bank accounts with:
-Century Bank (1994-Current)
-Navy Federal Credit Union (2001-Current)
-RTN Federal Credit Union (2002-Current)
-Christian Community Credit Union (2007-Current)
-Digitial Credit Union *DCU* - (2012-Current)

My primary banking is through Century Bank. I don't want or need their credit options.
I use NFCU for loans/credit lines and a potential mortgage or new car loan. Joined them during boot camp.
RTN FCU was previous Unifed FCU. Got in with them for a new car loan while I was in the Navy. Good deal.
CCCU was used soley as a balance transfer option. I only keep the credit card active.
DCU was used for the credit report pull and average credit line they extended me on their card.

Wachovia was for when I lived in North Carolina.
Bank of America was for their credit card and I closed because their customer service and lending ability to me suck. They flat out told me "You, as a customer, are good for $2,000 with us. No more than that." Since that time I've gotten over $45,000 in available credit. Screw them.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

marzbarz
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Joined: Wed Jan 30, 2013 6:09 pm
Location: San Antonio

Postby marzbarz » Wed Feb 20, 2013 5:48 pm

USAA -Checking / Savings / Mortgage / Insurance / Credit Card and in the very near future, IRA and investment account.

Besides credit cards I have absolutely 0 interest in banking with anyone else
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

Square Obsidian
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Joined: Mon Feb 11, 2013 2:01 pm
Location: U.S.

Postby Square Obsidian » Wed Feb 20, 2013 11:21 pm

USAA, and I highly recommend them to anyone looking for a new bank. There are a few pros and cons. Since they are primarily based out of SA, TX, unless you live near one of the smaller financial centers, you will be primarily using them as an online bank. But they are very customer service orientated and except for a select few banking products, you do not have to have any military affiliation to become a bank member. On the the otherhand, if you do have some military affiliation then you can also go for the insurance and what not.
Amex BCE $12,000 5/17
Chase Freedom $3,700 5/17
Discover it $1,250 5/17
CO QuickSilver $1,250 5/17

moxie
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Joined: Sat Feb 02, 2013 8:06 pm
Location: Texas

Postby moxie » Fri Feb 22, 2013 10:23 pm

Currently banking with BofA, but have hated them ever since they charged me fees after not informing me that they had switched my college student CampusEdge checking to a normal checking account, even though I was (and am still) in college and the account name is still titled CampusEdge. They never apologized and I have been too tired of dealing with them to try and get it corrected so I just keep the minimum. Switching to someone else as soon as I graduate and start earning an income. Currently in the process of evaluating the best choice to switch.

Gamma
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Location: Los Angeles, CA

Postby Gamma » Fri Feb 22, 2013 10:47 pm

moxie wrote:Currently banking with BofA, but have hated them ever since they charged me fees after not informing me that they had switched my college student CampusEdge checking to a normal checking account, even though I was (and am still) in college and the account name is still titled CampusEdge. They never apologized and I have been too tired of dealing with them to try and get it corrected so I just keep the minimum. Switching to someone else as soon as I graduate and start earning an income. Currently in the process of evaluating the best choice to switch.

They just recently converted my CampusEdge checking account this month to a My Access checking account, but informed me of the changes 2 months prior by mail. I been thinking about switching over to Chase as my main bank account (currently have for the Chase 10+10 combo) because they don't charge any fees to transfer money to another bank (BoA charges 3 bucks) and has cheaper cashiers check rate of 8 bucks (BoA charges 10.)

darkguy2
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Joined: Thu Jan 24, 2013 12:24 am
Location: United States

Postby darkguy2 » Sat Feb 23, 2013 1:30 am

moxie wrote:Currently banking with BofA, but have hated them ever since they charged me fees after not informing me that they had switched my college student CampusEdge checking to a normal checking account, even though I was (and am still) in college and the account name is still titled CampusEdge. They never apologized and I have been too tired of dealing with them to try and get it corrected so I just keep the minimum. Switching to someone else as soon as I graduate and start earning an income. Currently in the process of evaluating the best choice to switch.


I have heard that this is a very common practice at BofA. They go to campuses and get students to sign up for accounts since they look like such a great deal and a little while latter they switch the accounts and hope a large portion don't notice or care enough to do something about it. Its a despicable practice and I will never bank with them.
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)

ncosky290
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Joined: Tue Feb 12, 2013 7:37 pm
Location: Minneapolis

Postby ncosky290 » Sat Feb 23, 2013 10:51 am

I bank with PNC and Huntington.
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

moxie
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Joined: Sat Feb 02, 2013 8:06 pm
Location: Texas

Postby moxie » Sat Feb 23, 2013 12:55 pm

darkguy2 wrote:I have heard that this is a very common practice at BofA. They go to campuses and get students to sign up for accounts since they look like such a great deal and a little while latter they switch the accounts and hope a large portion don't notice or care enough to do something about it. Its a despicable practice and I will never bank with them.


I agree that it's a despicable practice. Since it was my first interaction in the financial world (first checking account ever, didn't have any credit cards yet), at least this was what led me to really take control of learning about credit and never trust anyone with my money unless I understand all the terms! Never again will I let that happen again.



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