(no subject)

[apocalypsos]

*goes to bank*

*checks checking account balance*

*has fit at stupid fees that give me an overdraft and stupid bank that charges me an overdraft fee*

*vows to find a new bank before I go to my bank again and throttle the tellers*

URGH. Okay, so maybe I'm not getting my kitten tattoo next weekend. *grumblegrumble*

Comments

[illmantrim.livejournal.com]

*hugs and puts the hit out on the evil ones*

*hires Sayid*

[foresthouse.livejournal.com]

I once overdrew my account while away from home, only by like, 8 cents b/c of a fee I didn't know about - they charged me $30 for the overdraft.
I got on the phone, like, no fucking WAY, and made it all the way up to one of the VPs or whatever who apologized and removed the fee b/c there was no prior notice that a fee would be charged.
It was a hassle, but I got my $30.

[okelle.livejournal.com]

If you're in the Boston area, I highly recommend Wainwright Bank. Any bank is going to charge you at least $20.00 for going overdraft unless you have direct deposit or some such nonsense. But Wainwright is a small bank that really rocks. http://www.wainwrightbank.com

[foenix.livejournal.com]

Overdrafts always amused me.

"You have no money, so we shall drive you more in the whole!"

J

[hellziggy.livejournal.com]

I can't recommend Credit Unions highly enough. Mine only charges a $15 overdraft fee & if you have the overdraft protection that draws from your savings account it is only $5. Plus no monthly fees, and I don't have to pay them a fee for using the wrong ATM (although I still have to pay if it is the ATM itself that charges it...)

[paradise-city.livejournal.com]

Randomly, do you use Wachovia? Every single thing I've ever seen about Wachovia entails that complaint somewhere.

[manada.livejournal.com]

Run to www.usaa.com

You don't have to be a member/armed forces to use the bank (you do if you want to use their insurance, but the bank is available to anyone). Many people here at my office use it as well. My parents and all my siblings do, as well.

They only have two physical banks in the U.S. (the main one's in San Antonio, and I don't remember where the other is right now), but you can use any bank's atm and then get the surcharge rebated on your next statement.

If you use your cash/check/debit card as a credit card when you shop, you get ck and cash card rebates. While the percentage is small, it does add up. I've earned almost $40 that way this year!

You can have your statements delivered electronically (PDF) and transfer money and pay your bills online (for free).

I pay NO fees. Let me say that again: I pay NO fees. I imagine I would have to pay an overdraft fee if that ever happened, but I have overdraft protection set up to go straight to my credit card.

I have direct deposit set up for all my recurring deposits - and they provide postage paid envelopes for depositing all other monies. That's the only inconvenience, really, that you don't have a local branch where you can immediately deposit money.

I cannot recommend them highly enough - I've been banking with them since I left for college (ugh, over 10 years now), and I've never had a bad experience.