Ouch my identity

Kaenneth

Washington Mutual is good, great in person customer service, not so good over the phone.

Key bank sucks sooooo bad. They charge a $5 fee to cash a check drawn on Key bank...

So, basically, a $100 check written on a Key bank account is worth $95, a $1 check is worth $-4.

Which completely breaks the point of a check, which is: Take it to the bank for face value.

Wren

a cheque for 5 dollars is pretty worthless anyways

Druhim

Wren wrote: »

a cheque for 5 dollars is pretty worthless anyways

That's completely beside the point.

Butters

Your missing the point, Wren. They charge you for every check you write. So they charge you for a book and then they charge you to process each check in it. If that is true then that is some serious bullshit. Even my horseshit bank doesn't do that.

naporeon

Weaver wrote: »

Everyone that lives in Washington state should use Watermark credit union

WSECU is also dandy.

naporeon

I've been with Bank of America since the mid-90's (they were called SeaFirst up here), and I have only ever had one problem with them. I had an "ATM only" account, meaning I got a $3 surcharge every time I used a teller for a transaction I could complete at an ATM. One Friday, I took my paycheck to the bank. Now, I was planning a roadtrip, and it was my mid-month check, so I was completely tapped; I needed the whole balance of the check available immediately...not this "$100 until the check is processed" bullshit. So I go inside, fill out the slip, and take it up to the teller.

She tells me that there will be a surcharge, and I ask if I can have it waived, since I need the money right then, and the ATM would take until Monday.

"Oh no, sir," she says. "It's only 1pm, so that check will be deposited in full by 4.30pm."

After getting her repeated assurances that this was the case, I went outside and deposited it at the ATM. The next morning, on the road, my debit card is declined. I call to check my balance, and it's at -$200 or so. Turns out, the check didn't get processed after all. I had to call my folks and have them hurry down to the branch and throw a few hundred dollars into that account; I was goddamned lucky I have generous, supportive parents.

Anyhow, I went in on Monday, of course, and talked to the branch manager. After initially sounding like he thought it was my fucking fault, he waived all the charges. It was like pulling teeth, but it only took a few minutes.

The best part? My check didn't come through until Tuesday.

Night.

Jordyn

oh god I got a bank story sorta.

well, I'll just make it really short.

Student loan was taking money out of my account back home unbeknownst to me. So suddenly my mom calls and is like "hey you got an overdraft and I call the phone banking thing to check my balance and sure enough I'm overdrawn and have been for weeks and oh, here's something cool, the bank charges $20 for every week you're overdrawn. Ha fucking ha bank. So Fram and I are calling the bank and student loan and trying to get this all sorted out. Fram did most of the calling because I get fucking irrationally pissed about shit and I fucking hate that "oh it was probably your fault" thing that people do.

So after a whole bunch of yelling, the bank put my money back and student loan actually deferred my loan instead of just fake deferring it like they did the first time.

SA

Has anybody done the "Hey guys I stole some dudes credit card and bought some Kicks at Champs and groceries at Wal Mart" joke yet?

Wren

SA wrote: »

Has anybody done the "Hey guys I stole some dudes credit card and bought some Kicks at Champs and groceries at Wal Mart" joke yet?

yes. like, 5 posts after the OP

Sars_Boy

do tell

SA

Wren wrote: »

SA wrote: »

Has anybody done the "Hey guys I stole some dudes credit card and bought some Kicks at Champs and groceries at Wal Mart" joke yet?

yes. like, 5 posts after the OP

oh okay

good thing I didn't do it then

taoistlumberjak

Just_Bri_Thanks wrote: »

I am using Fifth third, and I have yet to have a problem with them.

you gonna get raped

arithena

I am thiking of switching over to BECU. Weaver? Dru? Any comments/advice?

I am currently with wells fargo and would like to not be with a bank that charges me for spending my own money (I have a small safety net in my savings, and I get charged a fee every time they pull from my savings should my checking be overdrawn).

Weaver

Arithena switch to Watermark

arithena

tell me the difference between watermark and BECU. Actual differences. Not just 'mine is better.'

Puscifer

Anyone here use TD Canada Trust?

God.

Horror.

Meissnerd

I use Scotia, but only because it's within walking distance of me. I used to be at TD, though.

Puscifer

It's the biggest bank in Canada now, but also the worst.

Weaver

arithena wrote: »

tell me the difference between watermark and BECU. Actual differences. Not just 'mine is better.'

I haven't used BECU so I'm not totally certain on the differences but the CU has worked well for me.

Here's copied from the website for the basic checking account.

All include:
Free Watermark logo duplicate checks
Free domestic wire transfers
Free unlimited checkwriting (no per-check charges)
Free ATM/debit card
Free online banking
Free online bill payment
Free telephone banking
No direct deposit requirement
Optional overdraft protection¹
Free ATM withdrawals²
Federally insured

Moe Fwacky

Butters wrote: »

So anyone have US Bank, National City, or Bank One? These are what I have narrowed my choices down to when I switch banks.

I use National City, good online banking, and a debit card are all I need. Pay all my bill online, the bank cuts my rent check and mails it for me and I get my monthly student loan allowance through automatic transfer (because if i just kept the money in my account I would be so broke at the end of every semester).

mrpaku

don't go US Bank because if they give you a loan and lose a bunch of loan paperwork, you have to go yell at them for about two hours to make sure your credit doesn't go to shit

Druhim

arithena wrote: »

tell me the difference between watermark and BECU. Actual differences. Not just 'mine is better.'

Just do your research on both. For instance, one factor that could be important to you is where Watermark and BECU have ATMs and whether Watermark only waives fees from their ATMs or from any credit union ATM. BECU has quite a few ATMs around, I don't recall ever seeing a Watermark ATM. Get specifics instead of just accepting the statement, "Free ATM transactions".

Jordyn

Speaking of ouch, my stomach hurts incredibly bad, and I am considering calling in sick to work if it doesn't improve and I'm never eating chinese food ever ever again.

Rankenphile

I use a local bank, and they've always been good to me. No fees for anything, overdraft protection from your savings account for free, all sorts of nice perks.

I also just started using a financial tracking program, because god damn I need to start saving money and watching my spending more. I have zero financial planning skills whatsoever right now, and I really, really need to develop some.

Ruckus

Jordyn wrote: »

Speaking of ouch, my stomach hurts incredibly bad, and I am considering calling in sick to work if it doesn't improve and I'm never eating chinese food ever ever again.

Get some horribly spicey mexican. Flush the System.

Ronjon

I chose my bank based on atm locations/branches in wichita. Turns out that's worked really well for me, one time they sent me a new visa check card just because I had a web hosting monthly withdrawl and they felt like that was high risk for fraud so they cut me a new one. Also since the headquarters are local if I ever do have problems I'm sure I know somebody who knows somebody whose dad is high up in the company and would take care of shit.

Weja

Jesus what is wrong with you people. Never bank at nationals, they have tiers of assrape they hand out in fees. If you don't have a local homegrown bank, go with a fucking credit union. If the building looks better than most mansions, its a good sign you should switch.

Jordyn

I have been awake since like 4 am.

sleeping in like 10 minute spurts and then waking up, clutching my stomach.

uuuuuuuuugh.

Druhim

Let us know if it's a boy, girl, or kittens.

Weja

Ronjon wrote: »

I chose my bank based on atm locations/branches in wichita. Turns out that's worked really well for me, one time they sent me a new visa check card just because I had a web hosting monthly withdrawl and they felt like that was high risk for fraud so they cut me a new one. Also since the headquarters are local if I ever do have problems I'm sure I know somebody who knows somebody whose dad is high up in the company and would take care of shit.

Commerce Bank and Trust?

Jordyn

oh man I hope it's kittens

Weaver

Druhim wrote: »

arithena wrote: »

tell me the difference between watermark and BECU. Actual differences. Not just 'mine is better.'

Just do your research on both. For instance, one factor that could be important to you is where Watermark and BECU have ATMs and whether Watermark only waives fees from their ATMs or from any credit union ATM. BECU has quite a few ATMs around, I don't recall ever seeing a Watermark ATM. Get specifics instead of just accepting the statement, "Free ATM transactions".

The only ATM fees are what another ATM charges you, but this is easily circumvented by just getting cash with your debit card when you go shopping.

Ronjon

Weja wrote: »

Ronjon wrote: »

I chose my bank based on atm locations/branches in wichita. Turns out that's worked really well for me, one time they sent me a new visa check card just because I had a web hosting monthly withdrawl and they felt like that was high risk for fraud so they cut me a new one. Also since the headquarters are local if I ever do have problems I'm sure I know somebody who knows somebody whose dad is high up in the company and would take care of shit.

Commerce Bank and Trust?

Nope but good guess, my parents bank there I believe

Moe Fwacky

Weja wrote: »

Jesus what is wrong with you people. Never bank at nationals, they have tiers of assrape they hand out in fees. If you don't have a local homegrown bank, go with a fucking credit union. If the building looks better than most mansions, its a good sign you should switch.

We have like 5 different banks' world headquarters here in Cleveland, and National City is one of them. Also National City is kind of deceptive since I've never seen one anywhere on the west coast.

STATE OF THE ART ROBOT

<y bank charged me $2 the other day for a printout of my account activity ofor the last 90 days.

God I hate my bank.

Jordyn

I called in sick.

People are fucking douches.

"Hey, I can't make it, I've been up since 4 am with stomach pain.
"Well you should've called sooner."
"Should I have called at 4 am? I was thinking it might, ya know, go away."

taoistlumberjak

I used to do tech support for Citizens Bank (the New England-based Citizens).
I wouldn't bank with a company who's tellers couldn't follow simple instructions such as "do not turn on the computer at all."