OP, I'm glad that you exercised your options and moved your accounts to a different bank.
@chrisw1968uk wrote:I keep $6,000 in my checking account - but also have money in their savings account too
I was just irritated because the account was initially free of fees if I had a checking and savings account and I transferred a minimum of $25 to savings.
It absolutely is not about the money - its just that I felt totally nickel and dimed lol - maybe they would like me to go in to Walmart and purchase 10 packs of gum in 10 separate transactions with my debit card?
We are having an addition built on the house and the 7 debit card transactions that I made totalled over $2800 - so maybe they would favor the 10 packs of gum over a larger purchase?
The last time i went into the branch, the guy told me that I was pretty much "worthless" to them, because I dont have a loan or mortgage with them and dont have any of their insurance products either - I ended up opening a cc with them - just to give them some "business"
It was at this time that I opened my account with ally - i stuck a couple of hundred bucks in there and pretty much forgot about it, until today
When comparing Ally to WF - Ally has much better interest rates and id 100% totally free - I appreciate that the official line is "well we have branches to keep open - they don't" - maybe I should be happy to cost myself money so that they can keep a branch open? I would think of it as a cost of doing business.
In nearly 5 years, I have maintained a checking and savings acct with them, my paycheck goes in religiously every 2 weeks (although not direct deposit)
I apologise that I got a bit irritated this morning - I just felt that I am a good customer of theirs and hate being nickel & dimed to death
There's no need to apologize at all for anything. I'm not trying to be negative or rude by the way.
I think the main problem was that you had the wrong account type, and you (or your banker) should have switched it to something else, and there was no real need for all this to happen.
Any big bank's "relationship" with you is directly proportional to the amount of deposits you have, or amount of money they can make off you, but I wouldn't go so far to say you are worthless, because you are still a customer. Anyhow, you moved your business and you're happy with Ally, and that's great.
