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BOA just sent me a coupon for $50 if I go direct deposit with them.
Right now we bank w/HEB FCU or IBC.
Firstmark Credit Union! I've been with them for a few years now and I'm very satisfied. Except that they didn't want to give me a loan but that was not their fault
BOA just sent me a coupon for $50 if I go direct deposit with them.
Right now we bank w/HEB FCU or IBC.
i find broadway bank to be a good and very friendly bank. i have had zero problems with them.
I've been pleased with Frost
manny ask some of the neocons which bank is shows your statements and financial activity to government agencies the fastest, or is that not what youre looking for?
I went with Frost. I've been with them for about 3 months now, and it has gone very very well. They've actually called me to check up on things! Very awesome!
I use BoA. They're okay.
I've been with Washington Mutual for years now and have been very happy with them. free ATMS anywhere and I get free Money Orders
SSFCU has never done me wrong. But they are sooooo damn busy all the time.
BOA gave me 120 dollars in overdraft, over four purchases with a combined total of less than $12. I still use them to make sure I never do that again.
USAA FSB is my bank and I have to give them the nod. For what you do Manny, they would be good and I am sure Frost will be fine as well. Bricks and mortar (branches) are getting less and less important with internet banking and debit cards.
I did leave USAA briefly because BankOne (now Chase) had a branch close by and they are national so I could use their ATMs without being surcharged. There were problems with the accounting of my account and guess what, they don't have branches in places like Carrizo Springs or Johnston, Iowa. USAA reimburses the surcharge if you use an ATM anywhere....up to $ 15.00 a month.
Your debit card issues with BOA could be a number of things that are a problem. Perhaps they have your daily w/d limit set too low. Maybe they are down sometimes and the "stand in" authorization doesn't allow you to get your cash or purchase.
The big guys like Wells Fargo, BOA, Chase, Wachovia (who bought SouthTrust), and Washington Mutual are huge and often have high tech features and low fees and sorry customer service. The local banks are high on service but often low tech and higher on fees. Credit Unions usually have low fees but are hit and miss on service.
With USAA, I get the advantages of a locally based bank, high tech features, great service....... I think it's a win/win.
Firstmark??? I have a checking and savings account there and have had no problems with them.
What fees are you talking about anyways? If you are talking about ONLINE transactions, there is a federal law that allows only so many per month...I think it is 6. If you want more transactions then you must actually go to the lobby.
There overdraft fees are not worse than many other banks. ($30). Actually where they kill you ion iverdraft fees is not always your bank, but the bank where the business you wrote does its banking, they pass that fee in to you, plus your bank charging the overdraft fee.
What I like about Frost.. they are more of the handshake type of company. Founded on principles of customer service. It's night and day compared to some of these peppermill banks that like to do a lot of slick talking on the phone...
blah blah you get the idea..Developing relationships with Texans is exactly what Thomas Claiborne Frost had in mind when he founded Frost Bank. Born in Jackson County, Alabama in 1833, T.C. Frost arrived in Texas after graduating from college to take a job as a professor. He then studied law, his license being signed by Judge R.E.B. Baylor for whom Baylor University was named. Later he was appointed as a Texas Ranger. He became immersed in Texas business and state affairs, serving as a postmaster, a real estate professional, a lawyer and a county district attorney. During the Civil War, Frost served in the Confederate Army, first as a captain, then a colonel-- a le that would stay with him all his life.
After the war, Frost joined his brother and a third partner operating Fitch, Frost and Bro., a mercantile and auction business on San Antonio's Main Plaza.
Within a few years of its beginning in 1868, the company expanded into the wool commission business. The Colonel provided credit until wool prices rose, which cemented his business relationships. And, Frost Bank was born. For nearly 20 years, Frost operated the private bank, financing his customers' wool goods. Then, in 1899, he obtained a national charter for his $1.3 million bank.
Building a Texas Legacy
That move paved the way for Frost Bank to become one of the major financial forces behind the economic growth of both San Antonio and Texas. Over the next 25 years, prosperity abounded-- both locally and nationally. Col. Frost died in 1903, leaving behind a strong bank with deep roots in the state and a commitment to Texas values. As the economic boom boosted construction, real estate, and investment in the stock market, Frost Bank supported the growth through loans, investments and community involvement. By 1922, the bank built a 12-story skyscraper on Main Plaza where the original business once stood. And in 1928, under the guidance of the Frost family, the bank merged with San Antonio's oldest bank, Lockwood National Bank.
With new size and strength, Frost was solid enough to weather the Great Depression. Through major depositor runs on banks and 5,000 nationwide bank failures, Frost kept its doors open. The reason: Frost had built its relationships with Texans-- lending based on their character first and foremost, not on their projects alone.
For the next 30 years-- well into the 1960s-- Frost Bank helped San Antonians obtain new housing, start new businesses and expand the old ones.
Expanding for Tomorrow
With 100 years of experience behind it, Frost Bank entered the 1970s positioned for growth and expansion. In 1977, the bank merged with Cullen Bankers of Houston, creating the holding company Cullen/Frost Bankers and marking the bank's entrance into Houston and Dallas. The bank also was listed on the NASDAQ and began adding technological advances to meet the needs of its growing customer base.
Much of that exuberance for expansion came to a temporary halt in the 1980s when the price of oil dropped, the real estate market crashed and the savings and loan industry crumpled. Hundreds of banks, burdened by large portfolios of non-performing commercial and real estate loans, either sought federal assistance or failed and were sold to out-of-state ins utions. Frost Bank hunkered down and became the only one of the major Texas bank holding companies to survive the downturn without federal assistance or a merger. Together, the bank and its longtime Texas customers weathered the financial storm once again.
Frost Bank emerged ready to take on the last decade of the 20th century-facing fierce compe ion from out-of-state banks.
Restless for financial relationships with a bank that understood Texans and their values, customer demand facilitated Frost Bank's expansion into Austin, McAllen, Harlingen, the Hill Country, Corpus Christi, Fort Worth and Dallas. It also grew significantly in its headquarters city, San Antonio, and in Houston, as well as affiliating with United States National Bank in Galveston.
They had open money during the great depression and the 80's crash...
Proven performance..
Last edited by Vashner; 09-28-2005 at 03:34 PM.
I have 4 bank accounts.
IBC is the best IMO. It all depends where you live and how long you've done business with that particular bank.
I also have Wells Fargo. The worse service!
SSFCU is the shiznit
A bank is a lot more than a name. You have to look at how they invest. How they hire etc. Remember there was an S&L crash once.. it could happen again..
I would rather drive to the bank and my money BE THERE than a closed sign when the SHTF.
The six transaction rule only applies to savings accounts.
Yeah, I'm pretty happy with Frost so far.
I still have that BOA account open, but I haven't used it for much of anything lately.
Yea or some basic checking.. depends on the bank policy no?
Well, the law is only regarding savings accounts. Bank policies are their own business.
Have you tried Frost online? I use the billpay it rules.. no stamps.
A lot of the good banks have it now...
That's right...thanks.
That was the only "problem". I don't make more than 2/month. I have had no problems at all with Firstmark.
Not sure of what "fees" the other poster was referring to though.
I reccomend that you just bury your savings in a canning jar in the backyard.
Err.. Pelican case...
Yeah, I dig it. My only beef with it is that it goes down in the wee hours of the morning. I'm usually up at that time, and I've tried to check on things but the server is down. They update things and keep track of things very well though, and overall I like the online service better than the one BoA has.
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