Which major instution I should bank with...

[CarbonCard]

and get some CCs after I garden?? I currently have Discover, Amex, Chase, and WF. My next goal is to get a CSP (possilby an Ink card as well lol), and maybe Citi. What else should I get? One of the reasons I was denied for Ink is because I "only" bank with WF and Chase..

EDIT: They didn't know I have an Amex and Discover for I app'd for Ink 2 weeks after getting Amex and Discover.

[LTomBerry]

It would all depend on what banks you have in your area, I guess. I have B of A all over the place here and they haven't screwed me over yet so I use them. I also have a USAA checking account which is nice for the lack of ATM fees.

[oscar_actuary]

eh, I bank with Regions for checking.  It's really nothing more than a conduit to pay a couple utilities and debt payments,

And a MM account with Fidelity.

That's gooe enough for more credit cards than I'll ever need

My point being that I don't think it's a reason to be denied, often/ever

[score_building]

+1 USAA is superlative IME and offers up to $15 refund of foreign ATM transaction fees, among other benefits of membership.

[Manny121]

Depends what your location is and which bank has more presence in your area. I work for Chase and we have a heavy presence in the northeast ..and also expanding in 23 states ..sooo if you are in any of those states then def Chase 

[CarbonCard]

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@oscar_actuary wrote:

eh, I bank with Regions for checking.  It's really nothing more than a conduit to pay a couple utilities and debt payments,

And a MM account with Fidelity.

That's gooe enough for more credit cards than I'll ever need

My point being that I don't think it's a reason to be denied, often/ever

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I think they just want to see a list of banks/cc companies that trust me. Idk. The last CSR I talked kinda insulted me when he told me that I "only have 2 banks [with CC history]." Techinically speaking, I also bank with Charles Scwab, and invest with them.. It's just that I don't have a CC with them..

[CarbonCard]

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@Manny121 wrote:

Depends what your location is and which bank has more presence in your area. I work for Chase and we have a heavy presence in the northeast ..and also expanding in 23 states ..sooo if you are in any of those states then def Chase 

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Then recon me for an Ink card! jk

I live in Socal, and I know there's a lot of Chase in here lol

[Open123]

For deposit accounts?

I don't think there's really much difference between the national banks.  Though, I think Chase has the most momentum and best strategy for the future, they're all embracing the future with mobile deposits, full online capabilities, and ATM banking.

Some general perceptions I have on the Banks:

1.  Chase - great if you have DD of $500, and do not conduct "high" risk or overly sophisticated transactions.

2.  BofA - in terms of security and function, best online bank (by far, in my view).

3.  Citi - mediocre in everything - only excels in int'l wires (they're the best here) - best for more sophisticated and complex international banking requirements.

4.  US Bank - best value for gold checking with auto CC payment, though lacking online features (charge .50 cents for mobile deposits where others are free).

5.  First Republic - My "grandfathers" bank - this bank is an anachronism with high fees, high deposit requirement, no tellers, and *all* sit down personal bankers. Very limited online banking, since I suspect most of their customers either don't use or eschew computers on general principle.

6.  USAA - good all around mobile banking, especially for full members.  Again, ideal for "low" risk and overall "unsophisticated" tranactions.

7.  Cap One & other free internet only banking - these are my favorites - no fees, direct deposit requirements, free checks, and everything is online based.

Some of I've noticed, and I do have or have had first experience with all of the above.  

However, better options is just to use a firm like Fidelity.  Open up a brokerage account, and just use their CMA features.  No need for "regular" bank.  Ideally, one should never have more than $1,000 in a checking account anyway, since anything above that should be linked to some kind of seperate higher yielding securities account, e.g. money market, etfs, etc.

And, you get to use the Fid 2% Amex, which is the best card if "cash" is your thing. 

[thelethargicage]

Chase - the most customer-friendly of all the big banks

[pinipig523]

I bank with Chase because of Chase Private Client - I get lots of freebies. 

I've been banking with Chase since I was in college 8 years ago... it's up to you where you should bank.  I would say stick with one so you develop a relationship.  I started out with free checking then to premier then to premier plus then most recently to private client.