Who do you bank with?

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sakhalin
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Who do you bank with?

Postby sakhalin » Wed Oct 24, 2012 10:35 pm

My primary account is with my state's largest credit union. I also have a Chase checking account (for convenience when I travel around). I used to have a BoA account but thankfully I closed my account with them.
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)


Sorainzo
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Postby Sorainzo » Wed Oct 24, 2012 10:59 pm

I bank with a few.
Cards: CapitalOne Cash Rewards; Citi Student Forward

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Snowman
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Location: North Los Angeles County

Postby Snowman » Wed Oct 24, 2012 11:18 pm

I'm currently with BOFA, but I plan to sign up for another checking with a CU that is close to my house soon.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

JNK
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Postby JNK » Wed Oct 24, 2012 11:27 pm

I currently bank with Citibank and Ally and I USED to bank with Chase, Washington Mutual, and Bank of America.

Citibank (or rather, my local branch Citibank) is full of awesome people and the Ally customer service is also really good.

Chase screwed my personal and my small business banking over during the WAMU takeover and so I took both my personal and business banking elsewhere.

I started with Bank of America as a Student Checking/Free Checking account a long time ago and they swapped my account over to a non-Student checking account (with fees if there wasn't $1,000 in my account) WHEN I WAS STILL IN UNIVERSITY without giving me notification. Their account maintenance fees during a time where I was out sick and not working and therefore had little in my checking account accrued me multiple overdraft penalties that they refused to reverse. AFTER I paid the fees and penalties (which amounted to $100+ because I hadn't checked my very empty account for 3 months), I was offered my 'old' checking account again if I wanted it. I literally told them to 'shove it' and haven't stepped foot into another Bank of America unless absolutely necessary since.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

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Snowman
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Location: North Los Angeles County

Postby Snowman » Wed Oct 24, 2012 11:32 pm

That's weird, because I have one of those campusedge checking accounts with them and so far they've been good to me in the 2 years that I've been with them.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

kcarter609
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Location: VA

Postby kcarter609 » Wed Oct 24, 2012 11:34 pm

PNC for my primary bank. I love them. The branch manager considers me to be one of her favorite customers, and all of the staff know me by name even though I visit rarely. I just make a good impression.

I have a Chase checking account with direct deposit for a portion of my check to cover the minimums so I don't get charged fees and so I get the extra bonus on the Freedom card. Chase also holds my car loan so I have it automatically draft from the Chase account each month.

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)

JNK
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Postby JNK » Wed Oct 24, 2012 11:56 pm

Times change and so can service and BofA and Chase may be perfectly fine nowadays and I'm just as certain someone out there has a horror story for someone else's favorite bank just as someone might have a rave.

For my BofA story in particular, I was told that the 'upgrade' had been a mistake on their part, HOWEVER, the fact that I didn't contest it until 3 months later (3 months of NO banking activity, which I pointed out to them, which meant I had left what little I had in the account at the time and didn't look at it during that time period since it was a FREE checking account at the time) meant that I was to owe whatever penalties and fees that occurred. Those fees that occurred occurred because I 'didn't meet the minimum balance requirement' for the upgraded account and because I didn't have enough in my bank to cover the fee, I got overdrawn on top of it and so owed an overdraft penalty as well.

$100+ on top of being hospitalized and owing a crap ton of medical bills, coupled with the fact that my family received my overdraft penalties/fees due statement and letter and screamed at me while I was in said hospital, coupled with the Branch Manager's attitude about giving me back my Student Checking once my fees were paid in full was enough to make me swear off BofA for as long as I could remember the incident.

Obviously, years later, I still remember the incident entirely too well which is why I don't own any BofA products to my name.

But again; hey, maybe that was just my own bad luck and bad situation. I'm sure other people have had awesome experiences just like I am sure other people have had horrible Citibank or whatever other banking institution experience.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

TheLethargicAge
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Location: Miami, Cuba

Postby TheLethargicAge » Thu Oct 25, 2012 7:10 am

I've been banking with Chase since late 2010, and I'm extremely happy with them.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

DavidNY
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Location: New York

Postby DavidNY » Thu Oct 25, 2012 9:28 am

BofA is my local bank with conveniently located branches (it was Fleet until BofA took over). It works fairly well, especially now that I can deposit checks with my phone.

I also have an account with TIAA-CREF's online bank to deposit checks remotely. TIAA-CREF also has a decent interest rate.

I keep my money mainly with a credit union that's not as convenient branch-wise but has excellent interest rates, and their debit card reimburses ATM fees.

I have a Chase checking account, but only because they offered $200 to open it for a minimum of six months. When the six months are over, that account is gone (until their next bonus offer).

Vermonster
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Postby Vermonster » Thu Oct 25, 2012 10:14 am

I bank with TD Bank because they were the closest bank that had branches outside of VT. When I got the Freedom I opened the Chase account for the bonus. My girlfriend may be getting an auto loan from them so they may become our primary bank. TD just doesn't seem to offer the ability to grow.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k



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