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What bank do you use and why?


 What bank do you use and why?
topic by deem650 - 11-26-2012, 05:44 PM - Boxden > The Money Spot (finance/careers)


I am currently on Wells Fargo and plan to get another job and set up a direct deposit. I am thinking about switching banks, what banks do you guys use and why? Also does anyone have any recommendations on a good bank with good rates for a savings account?


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16 comments for "What bank do you use and why?"


 11-26-2012, 06:33 PMaway - #2
NYCNYCNYC 

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$13,623 | POWERFUL
no bank right now has a good savings rate..

I'm at BMO Harris Bank right now..was M&I Bank...used to work for them and know a ton of ppl there so i get free checks, no fees ever etc etc
 11-26-2012, 06:40 PMaway - #3
Duntaz 16 heat pts16

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$4,048 | 18626420
Navy Federal Credit Union & Chase. With navy fed you dont have to deal with the bull#### of regular banks if you get a charge from somewhere or an overdraft all you have to do is call and they will remove it with no problems. They have both secured & unsecured credit cards auto loans etc. and you can get one as long as you have atleast $500 in your savings. Only way you can get one is to be in the same household as a vet or be a spouse of someone with an account already. The downside is they dont have many branch locations or its located on a base. Chase I have because of branch locations & you can connect an outside bank to your account & transfer money between accounts both chase & non-chase bank accounts. I can also use my paypal account to do the same since I have the pappal debit card & you get cashback at the end of the month. Also have a couple prepaid cards lol. I just keep accounts based on different scenarios. For instance if I have to do something where i need to get a deposite right away I can use a moneypak and load it to paypal or a prepaid instead of waiting 2-3 business days. Its also a good way to manage what your spending keeping certain amounts separate. Good savings apy's stop yrs ago lol.

Last edited by Duntaz; 11-26-2012 at 06:53 PM..
 11-26-2012, 06:40 PMonline - #4
o7media 11 heat pts11

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I'm with Amegy Bank (local in Texas) just because it's the closest to me. I don't care about the interest. And I don't use the bank that much either. Most of my money is with Etrade.

But Capital One has one of the highest interest rates for savings account. Around 1.1%. Ally Bank is good too around 1%.
 12-09-2012, 02:15 AMaway - #5
Niruggg 134 heat pts134

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td bank cuz i got a grandfather account they don't charge me for ####...best bet though credit unions
 12-09-2012, 12:13 PMaway - #6
Peter Griffin 3 heat pts

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USAA and Navy Federal.
 12-09-2012, 05:23 PMonline - #7
niceguy954 30 heat pts30

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$5,007 | POWERFUL
ING Direct FTW + local bank
 12-14-2012, 07:57 AMaway - #8
LYTE 50 heat pts50

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$10,415 | POWERFUL
HSBC/Chase
HSBC cause I used to work there. They also HAD a high yield savings acct but it is current like the other banks. I will close soon cause lack of locations.

Chase cause I work here. Though I have no problems with them, I wont make them my primary until i leave.
 12-14-2012, 09:26 AMaway - #9
mcfalcons15 3 heat pts

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Good thing you said Savings account and not a CD. Right guys???

 12-14-2012, 09:49 AMaway - #10
BlackRepub85 8 heat pts

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I'm with Wells, they have banks everywhere coast to coast, except Lousiana I believe. Have no reason to move really, don't hate them and don't love them.
 01-05-2013, 05:38 PMaway - #11
Stupendamatic 83 heat pts83

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I have a checking account with my local bank (Susquehanna) and a savings account with ING Direct. I'm also going to apply to join my job's credit union.
 01-05-2013, 06:51 PMaway - #12
slanger55 2 heat pts

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tdcanadatrust
 01-06-2013, 09:47 AMaway - #13
ThaPro 

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$417 | 1580403
If you're looking for interest rates, it might be worth looking at bankrate.com. They have a bunch of different things you can search for on there.
 01-06-2013, 10:52 AMaway - #14
steeLTown 106 heat pts106

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got a Huntington Bank account cause i avoided alot of the fees cause of the place I used to work at and a local credit union account from my dads electrical union that i got a loan from to get my car
 01-06-2013, 08:14 PMonline - #15
Seymore Cake 18 heat pts18

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Bank of America Checking/Savings/Credit....No fees
 01-07-2013, 02:21 AMaway - #16
JackoP 

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First Niagra... don't pay atm fees anywhere, any bank, any corner store.. all free
 01-07-2013, 11:13 AMaway - #17
mm1000 5 heat pts

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Originally Posted by JackoP
First Niagra... don't pay atm fees anywhere, any bank, any corner store.. all free
I have Ally and they are the same way, no atm fees no matter where you get money from. I feel sorry for anyone that uses a bank that doesn't have a debit card like this. Ally also has electronic checking where you can scan your checks in from any computer to deposit them. Ally also has really good interest rate for a checking account .75%
 
 


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