How many of you are keeping BOA Debit Card?

[Walt_K]

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@LTomBerry wrote:

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@aamex wrote:
I'm staying. The debit card fees won't be active until January and additionally if you swipe it as credit you want receive the fee. Regardless, I don't know of a bank with better online banking or accessibility to a brick and mortar. I'll pay the 5 bucks of i have to. It's not that big of a deal.... It isn't 5$ per transaction. And if the banks werent getting drowned in regulation we wouldn't have to deal with this nonsense. Even redbox is increasing its price because of debit card fee changes due to excessive regulation. So i won't fuss (much).

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The fee will apply regardless if you run it as debit or credit.

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+1.

[drkaje]

I just can't give them 5$ for every month the card is used, LOL!

If I didn't dislike FIA so much it wouldn't be a huge deal. Will be fully transitioned over to USAA well before they even try.

[Anonymous]

I already went into my branch and they told me that campus edge accounts are exempt, meril lynch investment customers are exempt, advantage customers (atleast 5k in deposits across all accounts are exempt, and platinum privlages ( something like 20k plus) are exempt.

If your not affected then who cares. I have a campus edge account since I was in college.

[Guava]

Hey gbishere, do you know if campus edge will be converted to regular checking account after 5 years? How long have you have yours?

[Anonymous]

Supposedly, BofA is having second thoughts about the $5 fee.  Here is a link..

http://finance.yahoo.com/news/Bank-of-America-revamping-rb-1080345744.html?x=0

[Anonymous]

The issue isn't whether or not you'd be exempt.  I'd have been exempt due to the amount I kept depositied, however, I don't like the idea that I would be charged for using my own money if / when I had to use most of what had been deposited.  

You shouldnt have to pay (or hope to be exempt from paying) to use your own money that you're allowing the bank to make a profit off of.  I don't pay a dime to use my money at USAA... they pay me.

[SamsungHDTV]

I've seen BOA's online banking a few times. Haven't used it personally, but I think Chase Bank's online banking is awesome and easy to use. As far as brick and motar goes I guess that depends on where you live. Where I live, there are actually more Chase banks then any other major bank. There are enough BOA and Wells Fargo around too. I'd switch if I was at BOA.

[Ms-Kato]

In the old days YOU use to get a Decent interest rate for GIVING THE BANKS The

The Privilege of being able to take YOUR MONEY and Loan it out to Other's at a Higher Interest Rate for a Profit .

Now YOU have to PAY THE BANKS For The Privilege TO USE YOUR OWN MONEY

and your lucky if you even get a decent interest rate ,if any at that !

Over the years the BigWigs had to Justify their salaries and this was done by increasing revenue...which

was and is YOUR MONEY that was being chip away little by little with all these Additional Fees For Access

To YOUR OWN MONEY .

BILLIONS  have Been Raked in Using this Business Model. I have No problems with Capitalism (I love it)

and the Free Market...I'm all for it .

But..What you are seeing now with THE PUBLIC is the FREE MARKET in ACTION......They The Public

Are Leaving Banks in Droves because they feel they been Nickled and Dimed just one Too Many Times.

Now these Banks are Responding To This OutCry ( Public Free Market ) and Thinking Twice about this

Extra Fee and Some Banks Have Even Went As Far as To Eliminate The New Fee.

Let The Free Markets Work !

[Anonymous]

Just think if everyone was like us.. not wanting to pay any extra fees we dont have to... All banks would fail... lol that would be great for America!

[Ms-Kato]

I don't think anyone wants the banks to fail and saying that just derails the whole idea

of the public taking their money somewhere else when not sasified with a service in the free market.

Most people in the world are reasonable and understand in America you provide a service and deserve

to make a profit but when you abused the free market the people will walk and take their business somewhere else.

If someone wants to keep their customers happy they will adjust but it's hard to adjust when you have the freaking

goverment up your xxx .

It's the extreme wacko's who want everything for free who want to cripple companies and don't understand how horrible ( or refuse to care ) the outcome

will be to this country if that ever happened.

PS: I don't expect anything for free and old enough to know "nothing is free". I have paid off all my old CO's and

Collections because I did owe them.. I can't expect a bank to give me $400.000 for the house I will be shopping for if I don't pay my bills . Shoo

I wouldn't give money to anyone who had a bad credit history so why should the banks. Doesn't mean people should be takened advantage of and be hit with

fee after fee for use of their own money. They makes tons off of lending your money out. as it is.

I created the mess and it's my job to clean it up even tho they didn't keep their end of the bargain by deleting them. I was trusting or stupid for not getting it in writing..

but that's life..you learn as you go because "Life Isn't Fair "...This is why i'm here..To learn ..

I still have 2 which are still In collections and  will pay off one and fight the other one because I don't owe it.