Bank of America strikes again. Someone in a land far, far away buys a fridge with my debit card. BoA says they can reverse it ... but I have to cancel that debit card and wait seven business days to get a new one. Problem is I have hundreds of things associated with that card and it's a huge pain to cancel it, especially when they won't give me the new card information.
That was yesterday. Today in the mail I get a notice from them saying that an ATM deposit I made was reversed because no envelope was received. Are you freaking kidding me? Two weeks after the deposit and after the deposit showed up on my account, they turn around and say I never even gave them an envelope with checks in it.
FBOA.
I was happy with First Mark recently. They called me as soon as they recieved word that my credit/debit account number was at risk. Nothing was purchased but they said to call if there was even a 50 cent transaction I didnt recognize. That's pretty much the story.
Dude dead thread...Bank of America strikes again. Someone in a land far, far away buys a fridge with my debit card. BoA says they can reverse it ... but I have to cancel that debit card and wait seven business days to get a new one. Problem is I have hundreds of things associated with that card and it's a huge pain to cancel it, especially when they won't give me the new card information.
That was yesterday. Today in the mail I get a notice from them saying that an ATM deposit I made was reversed because no envelope was received. Are you freaking kidding me? Two weeks after the deposit and after the deposit showed up on my account, they turn around and say I never even gave them an envelope with checks in it.
FBOA.
Anyhow since it's here I use SACU but they aren't the cats meow either, whatever the that means.
Oh and what the is up with Washington Mutual calling themselves WAMU, that's ing stupid.
Anyone use Wachovia?
Alive.
SSFCU. I can't remember ever having a problem. I got a credit card through them and set up my online account. Hardly ever had to withdraw cash. Just swipe the card and move the money to the account online. Never had a late fee or interest. It was a sweet set up.
One time the manager at one of the locations even went out of his way to help me out in cashing 1/2 of a large check on the spot. It went against policy, but sometimes people recognize.
I've heard too many stories from LJ about Bank of America. They can't handle big transactions and regular banking. Too many unnecessary delays for too long.
PS If a banks check bouncing fee enters into your equation, don't get a checking account.
That should be an automatic denial if you ask that question.
USAA. I used to bank with Broadway (for like 10 years) but they pissed me off. I always took cash out of the ATM in $50 increments. I used one of their ATMs and it only dispensed $30 to me although I requested (and the receipt said) $50. I went to the branch to clear up the situation, and they wrote on the draft sheet "Left money in hopper". I was like WTF? Nobody left nothin' nowhere. Your machine malfuctioned. They said that they had to write something. I asked if it could be something less insulting. They hemmed and hawed. I took my money, and moved to USAA by the next pay period.
As stated previously, EVERY ATM is your ATM. USAA charges no fee and reemburses you for all bank fees up to $15 a month. I would imagine that this is cheaper than maintaining an ATM network. In addition, I'm hearing that they are going to network with other banks so that you can make deposits in 3000 locations.
USAA WebBillPay is the bomb. I pay every bill through them, and even when you can't get an electonic invoice (my podunk electric co-op and water/sewer bills), they will still cut and mail a check FOR you, guaranteed on time. Those need a day or two more lead time.
Frost 4 teh win.
Dear timvp, this is horrible news!Bank of America strikes again. Someone in a land far, far away buys a fridge with my debit card. BoA says they can reverse it ... but I have to cancel that debit card and wait seven business days to get a new one. Problem is I have hundreds of things associated with that card and it's a huge pain to cancel it, especially when they won't give me the new card information.
Anybody wants a beer?
No?
Cold beer really tastes better!
Frost has been pretty ing bad ass for me. I like them a lot.
Good God, Bank of America strikes again.
All I'm trying to do is verify if this lady's debit card account is closed before we cut her a refund check and I've been fighting with the automated system for 20 minutes so far. I've gotten 3 different customer service people and they have each sent me to the wrong department. Add 15 minutes to that and I still don't have an answer.
At first it was funny because it was just like that commercial where they guy is burning up his kitchen...now I'm losing my sense of humor.
Last edited by SpursWoman; 05-11-2006 at 09:54 AM.
I bank at USAA and never have a problem, and get reimbursed for ATM fees. Before that I banked at Frost and never had problems with them. When we lived in Plano for 4 yrs I kept my USAA bank account open and opened one at Community Credit Union, and that worked out good. They also financed my car loan.
Been with SSFCU for almost 10 years now. No problems.
Perfectly happy with Randolph Brooks myself...
I decided to bump this. I opened a couple of high-interest money market accounts. I waited until WaMu and BofA had them as I'm still overly enamored with access to brick and mortar branches.
The app process was pretty easy for both. BofA was pretty thorough with its security checks, as I had banked with them here and in California. The two state thing complicated my enrollment in online banking, but one quick call took care of everything. Turns out they still had all my information from the last time I had online banking in Texas five years ago. BTW, the secret to talking to a real person at BofA is to not respond at all to the automated questions.
Anyway, both accounts are open and I can transfer funds to my checking accounts instantly whenever I need the money -- otherwise it will be collecting very nice interest. Guess I'll keep both until it becomes more clear which place is more committed to maintaining relatively high interest rates. If you have some money you need to keep liquid, the current rates are better than most of the CD deals out there.
BoA. I finally got Jess to open up a Frost account.
I'm going to open up a few accounts of that nature soon as well, Chump. I think I'm going to go with an online bank, however. They usually seem to have better interest rates.
Yeah, I'm one of those folks who never had a problem. What can I say?
Anyway, WaMu was fine as well. They also have cover the non-WaMu atm fees and have one free overdraft per year on their checking (which I don't need since I backed it up with the MM account).
One thing: nobody in either bank knew about the online deals. I was able to deposit into those accounts at both banks with no problem, and have verified the interest amount for the WaMu account and will the interest for the BofA in a couple of days. I just find it interesting that bank "professionals" have no idea what their banks are doing when all they have to do is look on the internets.
The one I set up with BofA actually has one of the highest rates currently available. It's actually a holdover from MBNA before the latest merger/takeover; I am surprised it's still available, though they are raising minimums for the highest interest tiers to really high levels, etc.I'm going to open up a few accounts of that nature soon as well, Chump. I think I'm going to go with an online bank, however. They usually seem to have better interest rates.
im at chase and they do a good job. i also have an account at Wachovia, but there overdraft fees are outragous. i owe them bas s $114, and its solely on the damn overdraft after paying off the orginal charges. after i pay them off, im sticking with chase
USAA rules over all!
Throw one more vote in for USAA.
I'm Military, and do everything with the company - Auto Insurance/Car Loan/Checking/Savings/Credit/Renters Insurance/etc.
As far as the banking, the stuff mentioned already is the big stuff to me - the refund of ATM fees is HUGE. I never have to worry about finding the correct ATM and I end up saving $75-100 a year on that alone. As well, my military pay is direct deposited, and the military sends out a notice to all the banks the day before letting them know how much your paycheck will be - USAA treats this as good as cash so I effectively get paid a day earlier than everyone else.
Only having one location worldwide does suck, but here in San Antonio we're lucky. USAA makes up for it by having OUTSTANDING customer service over the phone. For making deposits, they will send you a SASE to send in as mentioned, but you can also go to any UPS Store in the country and they will send in your deposit for free. They've also just started up a new creation where you can scan the front/back of a check into your home computer, and make deposits online from your computer.
USAA's online banking makes it easy to do almost anything you need, also.
If you want to become a member to do more than banking, you're eligible if your parents were ever in the military. A lot of people don't realize that.
The biggest thing overall is this: USAA won't mess around with you. You'll get clear answers to your questions, and no stupid fees like other banks will try to throw on any chance they get. It's what you expect from a bank, but never get anymore.
dumb question but how does USAA tie with the military?
Wikipedia explains it best:
United Services Automobile Association (USAA) is a Fortune 500 financial services company focused on providing banking, investing, and insurance to people that have served in the U.S. military (including the Coast Guard), selected federal agencies, and their families. It was founded in 1922 by a group of U.S. Army officers to self-insure each other when they were unable to secure auto insurance due to the perception that they were a high-risk group. It has since expanded to serve officers, enlisted, and their families a full range of property & casualty insurance, banking, life insurance, and investment services. USAA was one of the pioneers of direct marketing and most of its business is conducted over the Internet or telephone.
For many years, while USAA did not market to anyone outside its niche, they would open bank accounts for qualified customers requesting USAA's services. In July 2006, USAA chose to further focus on its target market, and will not extend new banking services to those who are not eligible to purchase P&C insurance from USAA. They continue to make an exception for residents of Bexar County (San Antonio, TX) and those people who already had a banking relationship with USAA.
cool
so you have to be in the military or have kin in the military to have an account with them?
* Active duty officers and enlisted personnel.
* National Guard, Selected Reserve officers and enlisted personnel.
* Officer candidates in commissioning programs.
* Recently retired or separated military personnel.
* Children of USAA members.
* Former USAA members.
For banking, as I edited above, any Bexar County resident can currently open an account even if you don't meet general membership requirements above.
interesting. thanks for the info
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