How many of you are keeping BOA Debit Card?

[barbaralee]

Well, I WAS trying to dump them. But I have been with them so long... and they have honestly been so good to me... that I am finding it very difficult to do. Now I have checking accounts all over the place with USAA, FTFCU, as well as Alliant. But BofA has been my go to bank, my first account I opened up on my lonesome following my separation/divorce.

I was telling my SO about them charging for debit use and he was appalled, lol. He is one of those "No card is worth a fee" type of person. Here's my thing: I very rarely use my debit card. In fact, almost never. The last time I used it was at an ATM. So my motivation to switch my money over is based more on what if I have to use my debit card. I don't want to be charged a fee.

[flyingmd]

Just downloaded the iphone app. I cant find the option to make a deposit. Am I missig something?

[Denny33142]

Remember fellas that the new government law does not apply to banks that have less than 10 Billion in assets, i live in Miami and even the largest local bank here has less than 5 Billion in assets, So i think it is pretty safe to say that only large banks will have that debit card fee.

[Ron1]

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@pizzadude wrote:
Does the $5 month fee apply if you request merchants to run your card as a credit card ?

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Yes.

Ron.

[Anonymous]

I already canceled my Bank of America debit card. The banker looked horrified as to why anyone would do such a thing.

If I need cash, I'll use my Discover at a grocery store. 

[sheaoaurus]

I literally just got back from Bank of America. I canceled my checking and savings account after holding a $0 balance on them for the past two years.  I have a CC with them so that was the only reason why I kept it.  When I heard that they were charging for debit card usage, I made the decision to cancel both accounts, while obviously keeping the CC open.

[drkaje]

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@flyingmd wrote:

Just downloaded the phone app. I cant find the option to make a deposit. Am I missig something?

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If you're asking about USAA: They seem to have restrictions on mobile deposits beyond simply having a checking account. It seems you need an insurance policy or credit card with them to guarantee the account.

I'm going to call and ask, though.

[UFGuy2006]

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@drkaje wrote:

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@flyingmd wrote:

Just downloaded the phone app. I cant find the option to make a deposit. Am I missig something?

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If you're asking about USAA: They seem to have restrictions on mobile deposits beyond simply having a checking account. It seems you need an insurance policy or credit card with them to guarantee the account.

I'm going to call and ask, though.

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The mobile deposit feature is limited to those members who have or are eligible for "insurance" products ... a.k.a full members only. I hope at some point they open this functionality to everyone (including limited members like myself).

[drkaje]

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@UFGuy2006 wrote:

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@drkaje wrote:

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@flyingmd wrote:

Just downloaded the phone app. I cant find the option to make a deposit. Am I missig something?

---

If you're asking about USAA: They seem to have restrictions on mobile deposits beyond simply having a checking account. It seems you need an insurance policy or credit card with them to guarantee the account.

I'm going to call and ask, though.

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The mobile deposit feature is limited to those members who have or are eligible for "insurance" products ... a.k.a full members only. I hope at some point they open this functionality to everyone (including limited members like myself).

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Additionally, you need pre-approval for insurance, insurance or some other loan product with them to use this feature. Being a full member isn't enough, I just called and spoke with a representative. He also said pre-approved offers are usually to members who already have an existing credit or insurance relationship with them. He wasn't aware of a manner that I could get a soft pull. I didn't ask who they would pull for an actual app.

I really don't want to burn an Inq and get kicked out of the Garden club to use the feature, LOL!

[Anonymous]

I have accounts at BoA and my local credit union.  And quite honestly, I really could care less about the $5 month debit card fee.  BoA has been my "go to" bank for many years.  To be honest, I have wasted $5 on less important, and even ridiculous, things, so I'm not going to cry about this.  I have my paycheck direct deposited into both my BoA account and my CU account.  If my pay day falls on a Saturday BoA credits my account on Saturday; if my pay day falls on a Monday, BoA still credits my account on Saturday.  My CU, however, doesn't do that.  If my payday falls on a Saturday, my CU credits my account on Monday.  My CU also doesn't allow for cash deposits, or deposits at all, at their ATM.  So if this minor charge is all that I have to sacrifice to have that "big bank" convenience, then I'll do it.  I do love my credit union, though, but the efficiency of a big bank happens because of these  minor charges.