Right now I'm using Wells Fargo. May switch to chase or Bank of America for more ATM access though.
Which bank do you use or recommend?
Currently with RBC. Will be switching to a credit union once I am done school and get a real boy job. I've had enough of RBC calling me and trying to get me/trick me into doing stuff I don't want/need. They will call, talk for ~4-5 minutes about some thing, and then use misleading phrasing to try to make me say I will sign up for something. I have yet to fall for it but often when I say no they try and use "what if" situations or guilt me into it. It's really disgusting.
I've used Bank of America for about seven years now. Never had any problems. They've even cancelled/put my card on hold a couple times due to either a mass breach from a store I used it at or due to a suspicious charge. It can be slightly annoying to find out when you go to try to buy something and you get declined, but it's better than the alternative of you finding yourself with an empty bank account. If it's suspicious charge all you have to do is call them and within about 5 minutes it's fixed; if it gets cancelled you just have to go up to the bank and they give you another one. Not too big a deal either way.
Royal Bank of Canada. They're fine. Good online functionality. They don't call me at home. Maybe I specified no telemarketing calls when I signed on 15 years ago? Who knows. Visa will call on occasion but I never answer when they do. Those folks want to sell their payment protection plans real bad.
Also, you need money, you come to me. Whatever you need. Vig is 200% per week. Bag man comes Thursday at 1am. Sharp. Default is kneecap or thumb, whichever you prefer. I'm an easy going fella like that. <____<
I use Chase; my main and only issue with them is if you have less than a certain amount of money in your savings account you get charged $10 - $15 for something or some other. I just need to put a little more in there but I just keep putting it off. I honestly thought about switching banks a year or so ago after they bought Washington Mutual, but after they helped me out after some asshat stole money out of my account I decided to stick with them.
I've actually had most the major banks and one point or another. I switched for various reasons from each one , but I really just need to stick to one I think .
I like that I can pretty much throw a stick and hit a chase branch or ATM. Seriously, there everywhere. It also looks like their iOS app is very good.
Wells Fargo is ok, but I think the only reason I went back with them is because they were doing a sign up bonus and I already have a credit card with them.
I like that there's a lot if B of A ATMs, but there branch locations are a tad scattered in my area . Again , seems like there's a chase on every corner where I'm at . The reason I switched from them was I was mad about there then new online banking change and that they pretty much want people to use online banking only it seems (or at that time ) however, I realize over the years most my banking I of either through a app or online anyway , so perhaps I overreacted. I didn't gave a problem really with them. They were a bit fee happy if I remember right. Like with overdrafts and what not.
I'm probably between chase or B of A right now .
a Credit Union for i don't like the big banks that take your money from every time you move your money from one account to another by some unessary fee. Also the big banks, fredy and fany, aig, chase, bank of america, barkeliys crashed the economy in 2008 so that's another reason i don't trust the big banks that make money off people.
First National. I'm not sure how useful it'd be if I ever left the state, or really even just Omaha as Lincoln seems to be more of a Wells Fargo town. But in Omaha being First National is exceptional, the only drawback is if you don't have a line of credit on your debit card (which I haven't had for a while, but that was by choice). Their overdraft policy is pretty insanely strict, but when it comes to depositing and having access to money they're awesome. It's little things like depositing money into an ATM at 11PM through an envelope and having access to it immediately I remember being a non-option or total hassle when I was younger and first had an account that are so simple now.
I have to admit it's a bit of a hometown homer pick though, I know a lot of people with credit unions, Wells Fargo or Citi. But all I hear them do is complain about their banks, whereas the only problems I've ever had with mine are largely of my own doing. They really stick to the letter of their laws but as long as you play by them - and they're fairly simple - it's fantastic.
It's hard to have perspective on them as a company because they're huge here - one of the Huskers' biggest sponsors and advertisers, as well as based in Omaha and therefore have branches or ATMs on every corner it seems - but they're one of the few private banks that seem like they could compete with the big dogs if they wanted to.
Nordea. Wouldn't really recommend them to anybody other than for the fact that all the other banks in Sweden seem equally bad. But at least there's no fee for currency conversion, which is good since I buy a lot on Steam, GOG and Amazon (though I think Amazon does currency conversion on their own which they charge for).
I am currently using the Royal Bank of Canada for my Canadian funds and Volksbank for my German funds, but I am thinking about switching to the credit union when I get back to Canada.
Whats so important about changing to a credit union in Canada? I can understand the issue in the US, but Canada has completely different banking laws. For example, banks are split up into seperate consumer and investment banks. It is illegal for the investment bank to touch anything you placed in your chequing account. This seperation, combined with GIC's (guaranteed investment certificate) is why Canadians did not have a bad time during the banking crisis in 08'.
Edit: I use CIBC, and I like it because I do not have to pay any fees for things like interac, overdraft, or private bank machines (I get $10 credit, every month, towards private bank machines).
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