We are looking to change banks. Does anyone really like thier banks? I would like little to no fees, lots of ATM's and online banking. ?? Thanks!
We've done busines with our personal and business account with Bank of America over 20 yrs.
I realize they are not the most popular with a lot of people but we like them. I've read a lot of negative things about them but we have only had a positive banking experience. We know the people at our local bank, have business relationships with them.
We never pay any fees for anything unless we happen to be stuck somewhere and use an ATM that is not a BOA ATM. That RARELY occurs. We have free checks for business and checking as well as free checking with the accounts. There are no NSF fees, etc to deal with if you keep the money there. Our accounts are fee free because we do have one of the premier accounts they offer.
We have business, checking and savings accounts with them and you can get some decent rates when you do some combo planning with accounts. I do all of my banking online and rarely even go to the bank at all.
Good luck.
We use Frost and love them. The customer service is great, the fees reasonable, and they reimburse for other ATM charges. There are locations in Mansfield, S. Arlington, and Ft. Worth that I know of. I have been with them for 20 years I guess ? I haven't had any problems.
We use Chase and really like them. With our account we dont pay any fees and dont get charged for any ATM withdrawls that are not with Chase. We also get points everytime we use our cards and dicounts on rates for martgages and loans...very happy.
I love Wells Fargo. Easy online banking. Wonderful customers service. Lots of locations. They are now joined with Wachovia so you can use their ATM's with no fee and once when we forgot to make a deposit, we had 7 bounced checks and Wells fargo forgave the NSF fees since we had never had that happen before. Bank of America was never so gracious. They hit us with fees for NSF funds even though they had a deposit. They withdrew the checks first and when the account was depleted, they hit us with fee's and then added the deposit. How dirty was that?
I have been very happy with Capital One.
Christine,
I bank with Wells Fargo. I have been with them 10 years. I even started to work for them back in December which only last a few months as working in a bank on the sales side was just not for me.
There is always a way to have something free with them. I have the second highest checking (They have 5 in Texas) The one I like is the complete Advantage you get almost everything free, checks etc just ask them about the requirements.
Wells fargo has been around for over 150 years so they are doing something right as well as they are the original online banking. So it is def very easy!!!! And with the Wachovia you can view balance or withdraw from their ATMs for no fee, but you can not go in the bank or make dep yet that should be made available towards the end of the year or next year.
A lot also don't know wells fargo has everything: Car ins, life ins, auto loans, the best Identity Theft protection etc.. IT is better to have all your stuff in the same place vs giving out all your info to other ppl.
HTH
Erika
My husband and I have used many different banks and credit unions in the years that we've been married and have finally settled on Wachovia. They are great, haven't had any problems and are very very nice at any location i've visited.
Well, I don't like my bank either so I would say don't use First Convenience Bank because whenever I use my atm card at a gas station, I get charged an extra dollar! And also at other places sometimes. It's ridiculous! But good luck finding a bank!
My husband and I have had accounts at many places over the recent years, and while our current primary relationship is with ViewPoint Bank, it isn't the best customer service in the world. Actually, you are far better off to not have to deal with customer service at all. However, they have the highest interest rate around that I have found for a regular checking account. It's not guaranteed for any period of time, but we've had this particular style account for 4 months and it hasn't dropped below 4%. There's no minimum either and no other fees. The requirements are as follows:
1. must have direct deposit or use their online bill pay service (which is free with this account)
2. must elect online statements.
3. must use your Visa Debit card 15 times a month. (This one is weird, I know.) If you have autodrafts set up on bills and you use the debit card, those count too.
You get free checks, and they don't charge you to use other people's ATM's I believe. There's no service charge and they pay the highest interest (currently 4%) on everything up to $50k. Over $50k the interest rate is tiered. It's a regular checking account without limited withdrawals or anything else like that so with no minimum balance to earn interest, it's pretty easy to use once you get your account set up properly.
Like I said, unless you have to deal with Customer Service, it's a good account to have. And I will say that they've never not fixed a problem, I just don't like having a problem to deal with in the first place. :)
I love ours. We are at Chase bank.
I don't know if there's an Alliance Bank where you are, but that's what we've used for the past 6 years & love it. Never had a problem. They even reimburse you for ATM fees if you use your card at an ATM that is not theirs.
I use Compass Bank and have had no problems.
We love Guaranty Bank. It has that small home town feeling. All the employees are friendly and know you.
Hi Christine,
I cannot say enough about USAA. Excellent customer service, truly, and online options galore. There are no USAA ATMs; however, USAA sends you a check to reimburse you for any fees paid at other machines. They are awesome!
Karla
Been happy with WaMu now Chase for years.....my mortgage is with Wells Fargo and they have been fine.........
I love my bank, been with them for 29 years. They are a small bank but branching out. I don't know what you call lots of atms, but the atms are where I need them. American Bank of Texas, Frisco, Prosper, Bonham, McKinney, and else where.
I happen to use Bank of America and love their online services including Bill Pay! They seem to have many ATM machines that are very updated technologically.
I prefer the local banks rather than the megga chains. We bank at Legacy Texas Bank and have had our account with them when they were originally Plano Bank and Trust 15 years ago. They have many offices around in McKinney, Plano, Allen, Frisco, and on out to Fort Worth and Weatherford. They are personable and the tellers know me and greet me by my name. I tried the national banking years ago, and felt like just a number with little to no personal and kind service. If there was a problem, they really didn't care. In our business, we usually have large check deposits, and because I have a relationship with the branch manager, our deposits are never put on hold at Legacy Texas Bank. Deposits were constantly being put on hold with the National bank, and usually they would let me know of this after the transaction via mail and the hold would be for up to five days. I highly recommend Legacy Texas Bank that also offers a variety of financial services. Here is their site: https://www.legacytexasbank.com/
With all the trouble banks are having lately, I'd try
DATCU Credit Union. They have been in business for over 70 years and are financially sound.