View Full Version : are there any good nation wide banks?
I've got to fire wells fargo.
US bank, Chase, Tcf, 1st bank, i've tried already.
As much as I like local credit unions they don't have the accessibility I need.
A good credit union should have national networking/branch sharing.
The only thing banks are useful for is to be pointed at while laughing.
https://co-opcreditunions.org/locator/
https://www.cuofco.org/location-finder
IMHO, no, all big banks are essentially the same post 2007.
I just called Wells to confirm they hadn't opened any secret accounts on me. The fraud was mostly in CA and all on the personal banking side (not business). All of my accounts were known and in good shape.
I stopped using their credit cards and now use a Citi 2% MC. It's pretty awesome. One of the strangest cc issues I've ever had was with Wells. And now they cancelled MCs which sucks for Sams Club.
The only reason I keep Wells around are the retail locations (been a customer since 1994 as Norwest). They really suck for savings (rates). Even tried to re-fi once and it was a joke (something like 1.5% higher than Bankrate offers with higher costs).
Aloha_Shooter
09-09-2016, 11:15
If you are current or former military or have a relative (parent, aunt/uncle, grandparent) who was, USAA works nationally.
ChadAmberg
09-09-2016, 12:25
For USAA banking and investments, no military connection needed. Only for insurance products.
For USAA banking and investments, no military connection needed. Only for insurance products.
Exactly.
I have both, and have had zero trouble. No local, so you cant deposit cash, but I dont have that often anyway. Deposit checks from my cell.
Honey Badger282.8
09-09-2016, 12:56
USAA would be my first choice. If not them I'd probably go with Bank of America.
I have USAA and FirstBank with FB as my primary.
f*ck BOA with an ebola drenched cactus. They have fked over so many people it's criminal.
I've had no issues whatsoever with USB.
I guess if I had a complaint, it would be no free ATM outside their network, at least not with my free account.
If you want a credit union with great rates (savings and loans) and has nationwide brick & mortar locations, Navy Federal is pretty good.
I deal in some cash. I bank in multiple smallish cities in 2 states.
spqrzilla
09-09-2016, 14:13
Some credit unions will accept deposits for other credit unions.
Bellco FAQ
https://faqs.bellco.org/bellco/ext/kbsearch.aspx?keyword=shared+branching
By the way, if this recent revelation about Wells Fargo is why you are leaving, well I guess better now than never. But I've been on a rant about Wells Fargo for over a decade. I have come close to suing them for illegal conduct on behalf of my clients many many times.
Missed the Bellco thread here?
They are terrible too by most accounts.
Some credit unions will accept deposits for other credit unions.
Bellco FAQ
https://faqs.bellco.org/bellco/ext/kbsearch.aspx?keyword=shared+branching
By the way, if this recent revelation about Wells Fargo is why you are leaving, well I guess better now than never. But I've been on a rant about Wells Fargo for over a decade. I have come close to suing them for illegal conduct on behalf of my clients many many times.
Years of their b.s. along with them shorting my mortgage payment and blaming me.
Madeinhb
09-09-2016, 15:31
If you want a credit union with great rates (savings and loans) and has nationwide brick & mortar locations, Navy Federal is pretty good.
I second this. Have Navy Federal and love them. No charge to withdrawal money from 7-11's. Also with the mobile app- you can deposit checks from it. No need to go into branch.
I am not current or former military.
Did grandpa serve? Uncle? Dad?
I am not current or former military.
"Family members include grandparents, parents, spouses, siblings, grandchildren, children and household members."
https://www.navyfederal.org/how-to-become-a-member/how-to-become-a-member.php
With the Credit Union Service Centers, no reason not to look at CUs. I have both businesses and all my personal at a Credit Union. I can deposit cash as several other CUs, do electronic banking, electronic bill pay. Not a fan of banks at all.
Honey Badger282.8
09-09-2016, 16:39
I second this. Have Navy Federal and love them. No charge to withdrawal money from 7-11's. Also with the mobile app- you can deposit checks from it. No need to go into branch.
Just about every single bank offers that. I was never impressed with Navy Fed, their customer service left a lot to be desired.
Madeinhb
09-09-2016, 18:20
Just about every single bank offers that. I was never impressed with Navy Fed, their customer service left a lot to be desired.
Every bank - yes. But not every credit union.
Bailey Guns
09-09-2016, 19:50
Maybe I'm just lucky but I've never had a bad experience with 1stBank. But they're not a national bank...only in a few western states. I still have my 1stBank account even though there are no branches in ID. On Wed I needed to deposit a large cashier's check...almost 4 times the daily limit of $5k for mobile deposits. I called them and the immediate response was, "No problem...I'll just up your daily mobile deposit limit to cover that check. Call any time you need to do that." Handled in a 5 min phone call at 3pm, did the mobile deposit with my phone and funds were available next morning.
I'll second USAA. Never banked with them but have homeowner's and an auto loan. First class and very helpful.
Take a look at UMB. I have had a nice relationship with them since 1993. They take care of my Mom etc.
I've had accounts with USBank since 1991 and they're the best of the big names easily. This crap where some banks try to charge people who bring in a check you gave them simply because they don't have an account with them is extortion. How is a check even considering an instrument of negotiation if, when taken into the actual bank it's drawn on, I have to pay a fee to get cash for it. How they are legally allowed to do this is beyond me.
IMHO, no, all big banks are essentially the same post 2007.
I just called Wells to confirm they hadn't opened any secret accounts on me. The fraud was mostly in CA and all on the personal banking side (not business). All of my accounts were known and in good shape.
I stopped using their credit cards and now use a Citi 2% MC. It's pretty awesome. One of the strangest cc issues I've ever had was with Wells. And now they cancelled MCs which sucks for Sams Club.
The only reason I keep Wells around are the retail locations (been a customer since 1994 as Norwest). They really suck for savings (rates). Even tried to re-fi once and it was a joke (something like 1.5% higher than Bankrate offers with higher costs).
Sams Club now accepts Visa. :)
Sams Club now accepts Visa. :)
Debit or credit?
I refuse to give up my pin.
I've had accounts with USBank since 1991 and they're the best of the big names easily.
I'll second this. I maintain just enough of a direct deposit with them that checking is free* and I rent a safe deposit box there too.
Otherwise I do most of my banking at, get this, Digital Credit Union (located in New England) -- for those who remember Digital Equipment Corporation (DEC/digital).
O2
* But USbank does pull a fast one with their "free" checking: They charge you the monthly checking fee, then reimburse you that amount -- IN THAT ORDER. So if your account is at zero (but not overdrawn) the monthly checking fee will overdraw you, they'll charge you a ton of fees for the overdraw, then they'll credit the monthly checking fee back, but you're still stuck with the overdrawn charges. Just how much that would run fortunately I've never found out.
Debit or credit?
I refuse to give up my pin.
They take visa credit cards
They take visa credit cards
Costco accepts all Visa cards, Costco credit cards, cash, checks, debit/ATM cards, EBT and Costco Cash Cards. Checks may require picture identification and approval by a supervisor or manager. Cash, checks and EBT are not accepted at Costco Gas Stations or Costco Car Washes.
Zundfolge
09-10-2016, 11:46
I keep putting it off because I'm lazy but I really need to get my money moved to a Credit Union (we're thinking Ent) ... but that said, we've been with US Bank for several years and don't really have any complaints (other than its a bank and they changed FDIC rules a couple years back to where you don't own your deposits anymore to get us prepared for bail-ins and negative interest rates, but this is a problem with ANY bank).
Last year when we drove down to Santa Fe to buy our Honda, the folk at the local US Bank branch there treated me just as well as the ones up here in The Springs.
With modern internet based access, most small credit unions are much more widely accessible than they used to be.
I'll second this. I maintain just enough of a direct deposit with them that checking is free* and I rent a safe deposit box there too.
Otherwise I do most of my banking at, get this, Digital Credit Union (located in New England) -- for those who remember Digital Equipment Corporation (DEC/digital).
O2
* But USbank does pull a fast one with their "free" checking: They charge you the checking fee, then reimburse you that amount -- IN THAT ORDER. So if your account is at zero (but not overdrawn) the checking fee will overdraw you, they'll charge you a ton of fees for the overdraw, then they'll credit the fee back, but you're still stuck with the overdrawn charges. Just how much that would run fortunately I've never found out.
My original checking account had none of this so that's why I keep it. I keep a zero balance on this particular account for years and never had an issue.
They take visa credit cards
This is new.
But Wells has already lost my CC business for that period where every time I wanted to go to Sams I had to hit an ATM first.
Bailey Guns
09-10-2016, 13:43
My wife banks at US Bank. I make company deposits at US Bank. You couldn't pay me to bank there. They suck here just as bad as they did in CO. My opinion of them.
Had an acct with Wells Fargo for more than a decade. Got my mortgage thru US Bank. Had an issue with WF failing to transfer $ to USB to cover my mortgage payment. Then USB wouldn't accept *ANY* payment on my mortgage. Spoke with a banker in person at USB and they could not get any info about what was going on or why. They finally got me refinanced (at a better rate) to correct the problem and I closed my WF accts and strictly bank at USB now. No problems with them where I had had a number of problems with WF thru the years.
WF liked to apply debts to an acct before deposits even tho the debts were not applied when I made the deposit. Fought that one with them a number of times.
Frankly I am saddened that a company with the history of Wells Fargo would grow into such a hive of scum and villainy.
I keep putting it off because I'm lazy but I really need to get my money moved to a Credit Union (we're thinking Ent) ... but that said, we've been with US Bank for several years and don't really have any complaints (other than its a bank and they changed FDIC rules a couple years back to where you don't own your deposits anymore to get us prepared for bail-ins and negative interest rates, but this is a problem with ANY bank).
Last year when we drove down to Santa Fe to buy our Honda, the folk at the local US Bank branch there treated me just as well as the ones up here in The Springs.
With modern internet based access, most small credit unions are much more widely accessible than they used to be.
We have accounts at ENT. Never had any problems with them, knock wood. :)
Great-Kazoo
09-10-2016, 21:06
Spouse uses public svc credit union.
Scanker19
09-11-2016, 00:05
We have accounts at ENT. Never had any problems with them, knock wood. :)
ENT is amazing. had them the better part of 10 years now. Not nation wide but which shared branching I can make deposits here in NM and they show up immediately in ENT. I almost trust them more than USAA.
Wells fargo is evil. How or why I have an account with them is beyond me. They are useful, but shitty.
Huh, I've never had a problem with WF. Started with them when I moved to town and saw that they had a whole lot of locations, including one just across the street in Safeway. Not a great way to choose, but hey it was a while ago.
Huh, I've never had a problem with WF. Started with them when I moved to town and saw that they had a whole lot of locations, including one just across the street in Safeway. Not a great way to choose, but hey it was a while ago.
My wife was living in Lincoln before she moved here in 2001 (after 9/11 to be with me in fact) and the local bank she used was bought out by WF. For her, the crew remained and she thought WF was a good bank because they hadn't yet sunk in their talons before she left. So when she moved here I warned her as best I could to cut ties with that institution at all costs. She had no problems previously and couldn't understand why. I left it alone and it wasn't half a year later they got her. For whatever reason WF likes to deduct debts before issuing credits on the same business day. Not sure how they can legally get away with doing this but from what I've heard from others it's a somewhat regular occurrence. To most, this doesn't seem like a big deal but it's a ticking time bomb. It will eventually get you like it got her to the tun of about $550 in overage fees by the time she caught it. She wasted days on the phone with WF customer support trying to get it taken care of since it was technically their fault [keep in mind that I was actually in banking at this time and know that USBank would have 1) refunded those fees promptly due to owning the error and 2) not done this in the first place] and the amount of battle it took them was unreal. Ultimately they treated it like they were doing HER a favor and had a limit to which they could credit her account for good will and even though it wasn't HER fault and in the end she was out hundreds of dollars with no recourse no matter who she talked to or how long she wasted trying to right the wrong they caused. In the end, she chalked it up to educational costs, withdrew all of her deposits, closed everything account she had and opened the same ones with US Bank. Hasn't had a single problem since. FWIW, we also have a couple of loans and smaller accounts with local credit unions too so I also am not anti-credit union.
Grant H.
09-11-2016, 11:19
I've had Chase accounts since I was 5 (actually Bank One for quite a while). Never had a problem. They have been extremely helpful with the couple times a card has been lost/compromised, and refund first, then sort it out. I have quite a few accounts with them that are all free, no fee's (as long as I don't screw up on balances), and that's been pretty easy.
This is my own two cents, but over draft fees and charges and such are the banks way of taking advantage of the complacency that is so rampant in today's society. Falling into their charges and fees is a simple way for them to make money for nothing. Managing your money, and living within your means, is a simple way to avoid giving the bank free money.
I've had Chase accounts since I was 5 (actually Bank One for quite a while). Never had a problem. They have been extremely helpful with the couple times a card has been lost/compromised, and refund first, then sort it out. I have quite a few accounts with them that are all free, no fee's (as long as I don't screw up on balances), and that's been pretty easy.
This is my own two cents, but over draft fees and charges and such are the banks way of taking advantage of the complacency that is so rampant in today's society. Falling into their charges and fees is a simple way for them to make money for nothing. Managing your money, and living within your means, is a simple way to avoid giving the bank free money.
I agree and most banks play by the same rules. WF however bends those rules to purposefully get you in hot water if you are like most Americans who don't have tens of thousands of dollars just sitting in your checking account. Posting debits before credits on the same day's business is just dirty and not a practice that USBank, Chase or any of the others for that matter practice. For most, this will never be an issue but it's a ticking time bomb that could bite you at some point and don't be surprised when you get no assistance from their customer service. FWIW, my wife isn't the sort to live beyond her means, spend carelessly or not know what is in her account to the penny. I wouldn't be married to her if she was. We're both pretty good with money like that.
Shared branch banking for credit unions is pretty good but not bulletproof. I ran up against a limitation when I bought my house. Needed to draw a large cashier's check to make my down payment and my (former) CU has no branches in CO. None of the ones here in the Springs would do it, despite being part of the shared branch network. Not Ent, not Security Service, not Pikes Peak. I was about to have to fly to California in order to get my check so I could close in time. Finally I checked with Air Academy FCU and they took care of it for me. Almost signed up with them just for that but Navy has higher dividends.
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milwaukeeshaker
09-14-2016, 17:32
Wells Fargo fined 190 million and fires 5,000 employees over a massive fraud case. Look it up on you tube. There should be a lot of people being prosecuted for this, but you can guess how many will be. Zippo.
ChadAmberg
09-14-2016, 20:38
Wells Fargo fined 190 million and fires 5,000 employees over a massive fraud case. Look it up on you tube. There should be a lot of people being prosecuted for this, but you can guess how many will be. Zippo.
The executive who came up with the scheme that caused all of this just got a golden parachute of almost as much as the fine.
I agree and most banks play by the same rules. WF however bends those rules to purposefully get you in hot water if you are like most Americans who don't have tens of thousands of dollars just sitting in your checking account. Posting debits before credits on the same day's business is just dirty and not a practice that USBank, Chase or any of the others for that matter practice. For most, this will never be an issue but it's a ticking time bomb that could bite you at some point and don't be surprised when you get no assistance from their customer service. FWIW, my wife isn't the sort to live beyond her means, spend carelessly or not know what is in her account to the penny. I wouldn't be married to her if she was. We're both pretty good with money like that.
I disagree on Chase not doing the debit before credit thing.
I opened a Chase checking account when I moved to CO 8yrs ago, and had it for maybe 3 years.
I bought breakfast on the way to work on payday (direct deposit). If it were not for my paycheck, this would have overdraft me by $1.17. Figuring my paycheck was in there, I was good (paycheck showed pending ~4hrs prior, hitting bank at around 2am).
Chase hit me with a overdraft charge of over $30 because they debited the breakfast before applying the deposit. Closed the account the following Monday.
I agree that this is due to my complancancy, getting too close to the bottom, but it is still a ridiculous practice.
USAA, on the other hand, charged me like $2 when Geico decided to bounce a ~$4500 check off of my savings account. (They thought it was a duplicare check and cancelled payment). I'm OK with that.
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