@Revelate wrote:
@528491 wrote:I can wholeheartedly recommend Charles Schwab. ATM fee refunds, superb customer service, and no monthly fees. I don't think I'll ever go back to banking with a local branch. It's just so much more convenient when it's all online.
"like USAA's transfer options small banking customers, no fees for inbound or outbound ACH's."
Omg where do I sign up! hahahaa all these perks I just read about from USAA has me so intrigued to find out what all the confirmed hype is about! 
As for me Chase is the best when it comes to banking. Best CC's, very friendly and prompt when it comes to handling disputes, always have friendly reps when you need to sit down and blow out some steam or when you just have general questions that no one else can seem to answer. They are good with reverting late fee's, and the online enviornment is not complicated and you can do everything you need to without having to do much. But everybodies different, and use certain banks for certain things so you have to figure out what you really want to do with them, and what type of relationship you want to built before you choose and commit. -LJ
@bribro wrote:
@bluesnowman wrote:I'm with BOFA and Chase. I have had excellent experiences with both of them, however BOFA has the better of the online accounts, while Chase has the better CC portfolio. I also have a ROTH IRA (I opened it a couple of days ago) with Fidelity, and their customer service is good so far. Did I mention Chase has been really generous to me CL wise, even though my income is rather low (I'm a student.) and I will utilize their cards as much as I can. Even Amex or Citi hasn't been as generous to me.
I've heard this a few times. What makes BofA's online experience better?
The online banking function is extremely well-developed and provides easy access to all financial accounts you have with BofA. BofA banking accounts typically carry more perks than those at other banks: you get free access to select museums, no maintenance fee if you use ATM's for simple transactions, no limit on credit card payments, and access to online shopping and local deals. Having a BofA banking account also gives you more value from their credit card rewards, typically 10% of the regular reward earning rate. Other major banks have a long way to go to catch up with BofA's online banking system.
I see your point, but how is that related to online banking experience? Those banks you mentioned aren't generally considered major insitutions.
I do want to try one of those online banks though - sounds like a good idea to develop relationships with banks that are likely to give you favorable mortgage rates in the future. 
@HiLine wrote:I see your point, but how is that related to online banking experience? Those banks you mentioned aren't generally considered major insitutions.
I do want to try one of those online banks though - sounds like a good idea to develop relationships with banks that are likely to give you favorable mortgage rates in the future.
It was a multi-point post, agreeing that BoA website is excellent but I wouldn't use it as a bank for some of the reasons I listed. I also was addressing the subject of the thread, saying "I wouldn't bother with any".
Barclays is of course a major bank, one of the biggest in the world, just not so well known in the US.
Edit: On mortgages, I found much better rates from internet brokers than from banks I had/have relationships with.