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Checking Account with free/low fees (because wtf Wells Fargo)
fightinfilipino
Angry as Hell#BLMRegistered User regular
Angry as Hell#BLMRegistered User regular
i know there was a thread about this a while ago, but i can't seem to find it. i'm looking for recommendations on a good bank to get a checking account, preferably with physical branches we can go to.
long story short, during a recent move, we had to open a checking/savings account combo with Wells Fargo, because no bank was willing to draft us a cashier's check (for a lease deposit) without opening an account at said bank. Wells Fargo happened to be the "lucky winner".
a few months later, we're maintaining the min balance to keep the accounts fee free, but not happy.
we'd be fine joining a credit union, but we're having difficulty figuring out which credit unions are solid and trustworthy. i know there were a couple of websites out there with good reviews, but my googling is not turning up anything i think i can use.
we're in the East Bay/Oakland, CA area, but any bank in the San Francisco area should work as well. any suggestions?
long story short, during a recent move, we had to open a checking/savings account combo with Wells Fargo, because no bank was willing to draft us a cashier's check (for a lease deposit) without opening an account at said bank. Wells Fargo happened to be the "lucky winner".
a few months later, we're maintaining the min balance to keep the accounts fee free, but not happy.
we'd be fine joining a credit union, but we're having difficulty figuring out which credit unions are solid and trustworthy. i know there were a couple of websites out there with good reviews, but my googling is not turning up anything i think i can use.
we're in the East Bay/Oakland, CA area, but any bank in the San Francisco area should work as well. any suggestions?
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For a CU, just make sure they are a NCUA member (this is like FDIC for credit unions) and then narrow it down by looking at branch locations, savings account rates, etc. I don't know the situation in that area well enough to make a specific recommendation, though.
I've had them for about four years with zero complaints.
we also talk about other random shit and clown upon each other
Steam Me
No complaints, and I can use any ATM for free (they reimburse the fee).
the new local account is really for when we need to go in to a physical branch for things, and perhaps for having a good bank relationship down the road if/when we look into buying a house.
i guess i can suck it up and set up my direct deposit with the new bank...
steam | Dokkan: 868846562
Uh, if you have USAA you're probably not going to be happy with any real bank. I've been USAA-only for several years now and have never needed a physical location for anything. If you need a cashier's check, they'll send you one FedEx overnight for $13 ($5 check fee + $8 overnight fee). I don't know what else you'd need a physical bank for besides depositing cash in your account.
And having a "relationship" with a bank doesn't mean anything come mortgage time. USAA has better rates than all the big banks, but you can beat them if you shop for a rate through a broker.
depositing checks with USAA is only a minor pain as the UPS Easy Deposit is pretty convenient. wish we could use the mobile phone deposit, but that's limited only to military vets or their own families. i was lucky enough to open up some accounts before they limited access...
steam | Dokkan: 868846562
The one I have has multiple branches throughout the city, and if I'm ever not near one, they will refund any ATM fees charged by other banks (Up to $30 a month), have an app just like any other large bank for mobile bank, and, well...just about everything else.