Which bank should I bank with??

[DigitalArk]

Personally, I prefer USAA and NFCU. But they are pretty strict with their membership qualification.

[p-]

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@DigitalArk wrote:

Personally, I prefer USAA and NFCU. But they are pretty strict with their membership qualification.

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+1 on USAA....  but they are a mostly digital bank.  I think even partial members can still do bank accounts.  The best combination is a free account at a local credit union for cash deposits and face-to-face transactions, paired with free online accounts at USAA for all of your web bill pay, push and pull transfers, etc.  They even reimburse ATM fees, so every bank is your bank.

If you set it up right, you can monitor your other accounts from the USAA phone or web interfaces, and pull transfers from your CU or big bank accounts.  I also really like their immediate funds availability on phone deposits and transfers.

[improvingmycredit]

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@BearsAndTurtlesRtheBest wrote:

Okay SOOOO I might get a job as a receptionist or housekeeping at a Holiday Inn. Gonna go tomorrow to talk with the manager(fingers crossed). So I wanted to ask who should I bank with? I  have as local banks Citi, BofA, Wells Fargo, Chase, US Bank. Or a CU?

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Did you get the job?  If not... Good luck with your interview!

BearsAndTurtlesRtheBest... go with a local CU.  Do a google search and find out the one that offers the most services... doing a little research and you can thank me later.

Look at types of accounts offered... loans offered and fees... minimum deposit amounts.  Also check out bill pay services... person to person payments along with digital check depositing.  Another couple of things to look at... atm fees at non-affiliated ATMs along with how many are available to you fee free.  Are they a member of the "Shared Branch Banking" network?  Try to find a CU that is a member of this service.  Basically allows you to use any CU in the US that is a member of this affiliation as if you were at your home branch.  I've banked with many different banks and my banking needs have changed throughout the years but the one true constant... I've kept my CU membership since the day I first became a member.  

Hope all works out with your job search!  

[Countingpennies]

I'm happy with my BOA checking/savings. No fees with direct deposit. And ATM's everywhere.

If your new job offers direct deposit, that will be a consideration in which bank/CU you choose. You want to avoid fees if at all possible. Another biggie for me; with BOA deposits up to 8pm are included in that days accounting, and at the end of the day, BOA credits deposits first, then any debits which is important if you will have low balances for awhile. If DD isn't available at your employment, the ability to scan/deposit a paycheck from your mobile device is very helpful. Also, look into overdraft protection policies (ya never know.)

How did the interview go?

[shane82388]

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@Anonymous wrote:

I have had fairly awkward experience with Chase and some other large banks, and also small, local banks (not CUs) since I graduated from college and the perks wore off.  One thing to watch out for is if you move to a place with no branches, how easy is it going to be to close the account or deal with them if something comes up? Since then I did a lot of research and spoke with friends and ended up with Charles Schwab.  There may not be any brick and mortar Schwabs in your region, but I have been dealing with them exclusively over the phone and internet and they have been absolutely great.

Their customer service is wonderful and they pay the atm fees that other banks/ATMs charge you.  I'm surprised that no one else has recommended them, but maybe they're not well known or there's some reason that people don't like them.  Apparently they used to have a credit card that was 2% cashback on everything, but that went the way of the dodo before I joined.  I also looked at Ally when I was doing research and they seem good, too, and they have a pretty good rate on their savings account--but I was interested in getting an investment account in addition to checking so I went with Schwab.

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Schwab is a great one. I have that too, although there is some limitations to online banks...such things like taking out large sums of money quickly. I was buying a car and needed to get a cashiers check THAT DAY...without a branch, no bueno.

I have Chase for my main checking account(s) and business accounts as well. Having branches almost literally on every corner and having a good relationship with them makes me pretty happy with my current set up. I've really had no issues in the 6 years ive been with Chase...i started out with terrible credit and a Chexsystems report to match.

They gave me a Access Checking account and I worked my way up to Premier Checking, business accounts, Chase Freedom approval, and just recently a $5k Chase Ink approval...even with high utilization and what not...so i think the "relationship" counts for something with them at least...

Anyway, i know its a "big bank" so its "bad" to like them but ive had no problems (knock on wood) so i cant knock them, thats for sure!

[SunriseEarth]

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@BearsAndTurtlesRtheBest wrote:

Okay SOOOO I might get a job as a receptionist or housekeeping at a Holiday Inn. Gonna go tomorrow to talk with the manager(fingers crossed).

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Ack!  I forgot to wish you good luck with the interview!  Good luck...hope it went well!

[p-]

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shane82388 wrote: I have Chase for my main checking account(s) ...  i think the "relationship" counts for something with them at least...

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I'm not sure how much help it gives you.  They've been pretty generous with me and I don't bank with them at all.

[missjae]

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@BearsAndTurtlesRtheBest wrote:

Okay SOOOO I might get a job as a receptionist or housekeeping at a Holiday Inn. Gonna go tomorrow to talk with the manager(fingers crossed). So I wanted to ask who should I bank with? I  have as local banks Citi, BofA, Wells Fargo, Chase, US Bank. Or a CU?

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I bank with Citi and love them although they don't give me much love with CC's.  I also have accounts with my local CU and another large bank in the area.  Citi is still by far the best imo.  The customer service is excellent, the checking is free with stipulations...I think direct deposit and one bill pay per month.  They have 24 hour ATM access where you can so just about anything you can do with a teller.  Now that I've been with them for years, my deposits clear immediately as well.  The downside is the ATM fees, but I will use debit with cash back to avoid them if I really need cash.

[sr383]

I'm not hearing any love for US Bank. I guess folks just like the card ... though not as much as before.

[p-]

missjae wrote: The downside is the ATM fees,

USAA reimburses ATM fees.