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Old 10-12-2012, 07:08 PM   #16
Peanut Giggleface
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We've been with US Bank for the past 21 years and love them. I have free checking, free online checking, and free bill pay. I love that I can log into my account and set up my bills to be paid the very next day. They are also really good at processing deposits and handling bill pay. For example, if my husband's check is deposited on the 12th and I have several bills scheduled for payment on the 12th, they will accept the deposit before they start posting payments. A friend of mine has Bank of America and they don't do that for her. I know she's overdrawn because of them processing payments first. Their customer service is great as well. A few years ago they contacted us because someone had gotten our debit card number and had purchased something in Turkey. We weren't aware of it but it looked suspicious to them. Saved us a major headache.
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Old 10-12-2012, 07:12 PM   #17
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I've been with MONeY Federal Credit Union since 1998 (originally it was MONY Federal Credit Union) and have had no reason to even consider another option.
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Old 10-12-2012, 08:08 PM   #18
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I love Chase! We have all of our bank accounts, mortgage, college funds for the kids, retirement safe deposit box, etc with Chase. The only thing not with Chase is our current retirement plans with our current employers (because that's not up to us). If it were my call, I'd move those to Chase too!!

I love on-line banking offered. I pay my nanny every week via automatic Quick Pay into her account. I pay all my bills on-line. I have a personal Private Client banker who handles anything I need as it comes up. In fact, just this summer, he called to tell me he wanted to re-fi our mortgage at no cost because the rates went down. I could not be happier with a bank. They really give first rate customer service.

My only "complaint" is that they canceled the Disney debit card rewards. That was truly fantastic!! Disney points for everything we spend using our debit card. Loved it!! I'm not a credit card user, so this was an awesome perque and I would love to see it back but I understand why it wasn't cost-effective for them.
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Old 10-12-2012, 08:50 PM   #19
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Wells Fargo since 2007 and we love them!
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Old 10-12-2012, 08:56 PM   #20
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Quote:
Originally Posted by Ciao Mickey View Post

They have tons of Deposit slips that you can take but no Withdrawal slips?
I wonder if this is a security thing. Afterall, I think there are far more people who would be concerned if some one withdrew money from them without permission than if someone deposited money without permission.

Forcing people to either have their checkbook or to take the time to fill out the form in front of the teller, might serve some purpose, like preventing people from forging a withdrawal slip in some way that lets them steal.
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Old 10-12-2012, 10:15 PM   #21
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Quote:
Originally Posted by Ciao Mickey View Post
I used to be a customer of Wachovia until Wells Fargo bought them out.

I loved Wachovia and hate Wells Fargo and do not care for the people who work there.

Today for instance, I put a check into our checking account and transferred money from the checking into savings.

I forgot to bring a blank check for the transaction, no problem, they gave me a withdrawal slip to fill out instead. I then asked for a couple of extra withdrawal slips and they refused to give them to me! WTH?

They have tons of Deposit slips that you can take but no Withdrawal slips?

I said to the teller "OK, we're allowed to deposit money but we can't take any out???"

She said we can take it out but we need to go to the teller for a Withdrawal slip each time!

Is this the new thing at every bank or is it just Wells Fargo's policy?

Another thing, I hate that I don't have a bank book. Yeah, Yeah, I know, I'm back in the Dark Ages. But I want something in my hands that shows I deposited money.

How hard is it to switch banks? Has anyone done this and how do you do it? Will the new bank handle the transfer for you?
I work in a local bank.

There could actually be many reasons for refusing to give you more than one withdrawal slip. The first being the branch could be short on supplies and they needed conserve so they don't run out. We try to anticipate things best we can, but sometimes things happen we can't control.

Banks are having to cut back. We are told not to give huge stacks of deposit slips to our clients. But we can certainly give a few out at a time. Every bank and individual branch is run differently though.

Also, I've seen the WellsFargo withdrawal slips and my guess is they're a lot more expensive to produce than their deposit slips. Sounds like they're trying to control cost by not putting the withdrawal slips out where people can take a huge stack with them.

At my bank, we don't have checking withdrawal slips. You have to write yourself a check to cash. We stock blank checks for this purpose, but right after I started working there, the bank imposed a $1 fee for a single blank check. Trust me, these fees suck for the employees too. We don't want to make you angry, and I think these fees are absurd (they even charge us the fee!).

I don't know how easy it is to switch banks, but I do have some advice about choosing a financial institution.

Consider your needs - do you travel a lot? Do you tend to stick in the same neighborhood? What features are important to you? Do you care about customer service? Do you go to the brick and mortar building often or is almost all your banking done electronically?

For someone who travels or moves frequently, then a large national chain like BOA or Wells is going to be a better answer. You probably won't get the personalized customer service of a small local bank or credit union, but a large chain will offer convenience and they are usually the first ones to roll out new technologies like remote deposit (sending and image of your check).

If you plan to stick in one place and want personalized attention, than a local bank or CU would be a better option. But due to size, they are not always on the forefront of new banking technology. The pluses of a local bank are usually in the relationships you can forge. And you never know when that can work to your advantage. I'm a teller, and I will let the clients that I am familiar with and know their banking habits get away with a lot more than some person I've only seen three times in 6 months, or someone with a new account. So it can pay to stick with a place you're momentarily unhappy with. A client with an long-time account usually gets more consideration when you're wanting rules to be bent.

Let me let everyone in on a little secret. Those policies and bank rules? Most are not completely steadfast. Some are federally regulated and there is nothing we can do about them, but most things are guidelines and we can exercise our discretion on what to do. But with every transaction we take, we are risking our jobs - you never know when a check may be a fake, when a client has been scammed, if a check will charge back as non-sufficient funds, etc. All of that goes against us and a single transaction done in error could cost us our job.

So make a point of getting to know your tellers. Make conversations, learn our names, and we will try to do what we can for you.

Shop around, ask your friends, and don't hesitate to walk in places and have them explain their account structure, services, and fees.

Good luck!
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Old 10-12-2012, 10:22 PM   #22
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....customers of TD Banknorth here....I've got to say, the hours are incredible!
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Old 10-12-2012, 10:40 PM   #23
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I, too, used to bank with Wells Fargo. I had one too many issues with them and decided to switch. Yes, it was a hassle, but sooo worth it! We now bank with PNC and love it.
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Old 10-12-2012, 11:27 PM   #24
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Another TD customer here. They bought out Commerce (a regional bank) a couple of years ago, and I was nervous that there would be wholesale changes I didn't like. But I've been pleasantly surprised that most things have stayed the same.

Like Kimmie said, the hours can't be beat! There aren't too many banks where all the branches are open 7 days a week. Saturday and Sunday hours are all day and many branches are open until 8pm M-F.
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Old 10-13-2012, 08:26 AM   #25
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Quote:
Originally Posted by Kathi OD View Post
Another TD customer here. They bought out Commerce (a regional bank) a couple of years ago, and I was nervous that there would be wholesale changes I didn't like. But I've been pleasantly surprised that most things have stayed the same.

Like Kimmie said, the hours can't be beat! There aren't too many banks where all the branches are open 7 days a week. Saturday and Sunday hours are all day and many branches are open until 8pm M-F.
TD here too. The hours do make thing easier. I also like the envelope free atm deposits.
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Old 10-13-2012, 08:29 AM   #26
kimmar067
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Quote:
Originally Posted by Kathi OD View Post
Another TD customer here. They bought out Commerce (a regional bank) a couple of years ago, and I was nervous that there would be wholesale changes I didn't like. But I've been pleasantly surprised that most things have stayed the same.

Like Kimmie said, the hours can't be beat! There aren't too many banks where all the branches are open 7 days a week. Saturday and Sunday hours are all day and many branches are open until 8pm M-F.
Quote:
Originally Posted by sunshinehighway View Post
TD here too. The hours do make thing easier. I also like the envelope free atm deposits.
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Old 10-13-2012, 08:38 AM   #27
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Were with td canada trust but we live in canada
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Old 10-13-2012, 08:41 AM   #28
kimmar067
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Were with td canada trust but we live in canada
... ....that makes sense....
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Old 10-13-2012, 08:48 AM   #29
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cbg - good general advice on picking a bank!

I considered TD bank but unfortunately they didn't open the new branch of that here until a few weeks ago and we needed to move sooner, so we switched our checking over to ING where we had a number of savings accounts already. I probably would have done TD if that had just been a little bit quicker - but it took them over a year from putting up their "coming soon" sign to actually building the branch and opening it.
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Old 10-13-2012, 09:02 AM   #30
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I've used Mellon which became Citizens my whole adult life. Their service is fine but I've found their interest rates on savings/CD's/money markets to be lower than other banks. Dollar Bank had a deal to open a savings account for 2% so when a CD came up for renewal I moved the max for that account there (it has since dropped to 1.5%). I still have my checking and money market at Citizens. It actually works well to have 2 different banks because they have promotions for new accounts but you have to have money not currently on deposit. So I move money back and forth between the banks.
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