Where do you do your banking and do you like it?

Discussion in 'Community Board' started by Ciao Mickey, Oct 12, 2012.

  1. Ciao Mickey

    Ciao Mickey <font color=brown>Kind of makes you want to run th

    Mar 16, 2007
    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?
  2. msjprincess

    msjprincess DIS Veteran

    Feb 6, 2010
    I have Citibank. I love that I can deposit a check using my cell phone and it becomes available as soon as I do it. I used to end up hanging on to checks forever because I never go to the bank. And 7-11's around here have Citibank ATMs so I can withdraw money without paying a fee. Very convenient.

    If I deposit a check with a teller and need some cash I just enter it on the deposit slip. I don't need a withdrawal slip.
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  4. Soldier's*Sweeties

    Soldier's*Sweeties DIS Veteran

    Apr 3, 2009
    I have Bank of America and I hate it.
  5. Angeni11

    Angeni11 Mouseketeer

    Jun 8, 2010
    Navy Federal Credit Union

    Have been a member since I was a teenager (over 25 years now).

    We love their scan deposit and web bill pay.

    You might look into a credit union that you fit the membership requirements for as there are quite a few out there that are good.
  6. wdw4rfam

    wdw4rfam DVC member

    Feb 25, 2011
    Love Chase. Used them for years, and they just brought back the Disney debit card ( which gives you the same perks as the Disney visa with the exception of earning rewards). My sister just booked the play/dine/stay promo with her disney debit before it opened to the public, it works the same as the Disney visa.
  7. okw2012

    okw2012 Mouseketeer

    Jul 10, 2012
    I am also with a credit union, Desjardins. Profits are redistributed amongst members and also to the local community instead of going to shareholders. They also subsidize employers who'll give a chance to a kid with no work experience. Their web site is excellent. Also they still do small loans. Many banks don't bother anymore. Their interest rates are also quite competitive, but not always the best. Small price to pay for the service and their contribution to the local economy. So my advice is check out your local credit unions and stop contributing to bank profits.
  8. RitaE

    RitaE DIS Veteran

    May 29, 2008
    I use a Regional Bank (Harris) and then Schwab Bank. I primarily bank via internet and mobile banking though so the things I like probably aren't what you want. I really can't remember the last time I was in a bank. Probably last year when I took our change jar in to be counted.

    But I get

    Free Checks (Schwab)
    Free Internet Banking (both)
    Free Bill Pay (both)
    Free Mobile Deposits (both)
    Free ATM use Nationwide (Schwab --- they refund foreign ATM fees at the end of the month)
    A small amount of Interest (Schwab)
  9. Albort

    Albort ODV Crew

    Oct 9, 2006
    im also with Chase... They have been really good to me... Hooked me up with a lot of benefits as well... another vote for chase!

    I also use 2 credit unions but their services and offering cant compare to what chase offers...
  10. tvguy

    tvguy Question anything the facts don't support.

    Dec 15, 2003
    I was bought up by Wells Fargo too, when they bought out First Interstate Bank in 1996. First Interstate had bought out our locally owned Savings and Loan. Knew I would hate Wells Fargo, opened a new credit card elsewhere, prepared to find a new bank. Boy was I wrong. Wells Fargo has been great. Their online banking is awesome, their Brokerage services are top notch and have helped me make some very profitable decisions. My mom has been ill recently, and until then I hadn't been in a branch in years. They have a greeter in the 2 branches I go to. I am always there to deposit checks, with no cash back. They have a "floater" handle folks in line who don't need cash, I'm usually in and out in a minute. Wells Fargo has been amazing.
  11. willowsnn3

    willowsnn3 DIS Veteran

    Mar 1, 2009
    My company uses Wells Fargo, formerly Wachovia. Except for the location I work at and they use Suntrust. Working at different locations, I've made deposits at lots of (then) Wachovia banks. Most of them had awful customer service except for the one closest to where I work now. Everyone in that bank was wonderful, so efficient. The Suntrust we use here is the same. Everyone there is just great!
    Now for my personal bank, well, I had Suntrust for years and loved them but got mad when all the new bank fees started (I had free everything before), so I switched to Douglas County Bank almost right next door to my job. Small local bank, only 2 branches, was voted best in Douglas County. HA! While I have all free accounts now, the customer service just sucks.....I always feel like I'm interupting the tellers when I go inside. They are always so engrossed in their gossip. The drive thru isn't so bad. I miss Suntrust, lol.
  12. bigbabyblues

    bigbabyblues DIS Veteran

    Mar 25, 2004
    We use a local bank that has three or four branches in surrounding areas. Never had any problems.
  13. vicki_c

    vicki_c DIS Veteran

    Dec 22, 2007
    I also was a Wachovia customer (loved them) that got switched to Wells Fargo (hated them and even more so when they paid my water bill late two quarters in a row). We switched everything to ING and love it. Free ATMs all over, mobile check deposits, the best customer service people ever ( they are SO friendly - always seem to get a super nice college age sounding guy). I highly recommend them as long as you don't need a brick and mortar bank frequently.
  14. codimouse

    codimouse Over 60 Trips to Disney from San Antonio, Tx!

    Feb 1, 2007
    For everyday banking we use Woodforest. Been with them a long time. It is convenient, open late and some holidays and no fees. I live that they are in most Walmarts here.
    For investments, etc we use Schwab.

    Sandi; sent from my iPhone using DISBoards
  15. njmom47

    njmom47 He's such a fiend!

    Oct 14, 2007
    I too use Wells Fargo (have had them and all the predecessors going back to, um, 1977 :lmao:) and really like them. The local branch where I bank (maybe in person every other month or so) has great tellers and "desk" people alike.
    Our company credit union is not a full-service cu and therefore is mostly useless (except for savings) so that is not an option for me.

    ETA OP, you wanted to make a withdrawl from your savings account? I don't have a savings account with WF but can't you use an ATM card to make that type of withdrawl? I think it gives you the option of choosing which account to make the withdrawl from.
  16. Handbag Lady

    Handbag Lady Disneyland Bride 2000

    Jun 15, 2005
    I use a credit union and I LOVE LOVE LOVE them.
  17. Peanut Giggleface

    Peanut Giggleface Embarrassing my children... just another service I

    Jan 24, 2010
    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.
  18. jlewisinsyr

    jlewisinsyr DIS Veteran

    Mar 29, 2007
    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.
  19. Princess on the Run

    Princess on the Run Sprinkling Pixie Dust!!!

    Aug 18, 2012
    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.
  20. MichelleVW

    MichelleVW <font color=green>I call them "the people that liv

    Dec 13, 2005
    Wells Fargo since 2007 and we love them! :thumbsup2
  21. Mickey'snewestfan

    Mickey'snewestfan DIS Veteran

    Apr 26, 2005
    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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