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Switching Banks?
SniperGuy
SniperGuyGamingRegistered User regular
SniperGuyGamingRegistered User regular
So my family's financial situation isn't the greatest. There's alot of debt floating around because of various stupid shit, and as I am soon going to be repaying college loans, I'd rather not have any of their problems come down on my head.
Currently, we use Trustmark, who seems to be only around the city I live in. I move around TN alot, and who knows where else due to college and my girlfriend, so I'd like to have a separate checking account. My girlfriend's parents suggested Suntrust, and it appears to have free checking, which is cool. Just looking for any suggestions for either a bank to use, what to watch out for, or wether separating my own finances from my parents is a good idea.
My girlfriend mentioned having my own separate account so that my parents can't see what's in it, but having one of them sign on it as well. How would that work?
Currently, we use Trustmark, who seems to be only around the city I live in. I move around TN alot, and who knows where else due to college and my girlfriend, so I'd like to have a separate checking account. My girlfriend's parents suggested Suntrust, and it appears to have free checking, which is cool. Just looking for any suggestions for either a bank to use, what to watch out for, or wether separating my own finances from my parents is a good idea.
My girlfriend mentioned having my own separate account so that my parents can't see what's in it, but having one of them sign on it as well. How would that work?
SniperGuy on
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You don't need anyone to sign for your account. You just need a couple hundred bucks and a handshake. (handshake optional).
I went with US Bank in my college years and the establishment served me well. I now bank with Wachovia and so far no problems there either. US Bank had free checking as well.
I'm moving to WaMU or BoA from Chase, since no Chases exist in LA really. Is there a way to transfer directly without going to the branch itself? Or do I have to close it out when I'm in Texas next?
BoA at least would supposedly let you do it over the phone, though I don't know how much of a pain in the ass they make it... so you could try Chase's phone service
I'm pretty sure there isn't a way to have someone co-signed on the account but block them from seeing(and accessing in most cases) the money within. It would be like having someone's name on an apartment lease but banning them from the premises.
And I'm going to recommend looking for a Credit Union near you. They usually have better interest rates on their interest-bearing accounts and are less likely to fuck you over with stupid fees every which way.(This is not to say they have zero stupid fees, but generally there are less)
Yes.
When I started my account at Wachovia, the person setting it up offered to have me call them and end my old account that way. All I had to do was write a check for my new account in the same amount as the remaining balance in my old one, and then phone US Bank to tell them I was closing the account.
Credit unions are owned by their members. They are less likely to screw you over in the name of higher profits.