Does anyone really like their banks?

Hi Christine,

I LOVE my bank and will probably never change...I have been with Delta Community Credit Union (formerly Delta Employees Credit Union)for ten years now; https://www.deltacommunitycu.com/index.asp. Anyone can join. There are no fees whatsoever for general account usage!! In fact, they pay you to be a member with dividends not just on savings accounts, but also with your checking account. They do have a local branch in Southlake, but there are also many share branches you can use in the area with out penalty. My husband has actually never been into our bank. They also have online check deposits...not just with paychecks, but actual checks written out to you from others. Let's say it is 9:00 PM on a Sunday night and I go online to deposit a $1000 check, all I do is type in the check number and amount and a deposit slip is generated and the $1000 I just deposited is INSTANTLY available to use, all I have to do is mail the check to the credit union within 10 days. Once it is received they will send you an email to let you know.

Also, for every purchase you make with your check card you receive two points, which you can use to get cash back or gift cards from lots of different vendors. So in other words you get paid back for using your own money (similar to credit cards, without the debt).

They are excellent against fraud protection!! I had my check card number stolen once and my husband two times (later we discovered local merchants copying our numbers). Delta notified us immediately of the unusual activity and put holds on the purchases, we never had to pay a dime.

Best of luck with your decision!!

Hi Christine!

My husband works for Wells Fargo, so of course I will shamelessly plug them as the BEST bank! :) :)

I did want to let you know something helpful about banks in general. Most people want the basic "Free" checking account. Those accounts are usually the ones that end up charging for the "extras" so in reality they are not free. What people don't realize is that if they sign up for the fancier accounts (a fancier account has more things like online features, bill pay, direct deposit, savings acct. etc.), then they end up getting all the extras they want for free. The fancier accounts cost you nothing to setup, and then you get the bells and whistles for free as well. The reasoning on the bank's part for doing this is that you are more likely to remain a long term customer if you have several things with them and are pleased with their service.

Hope this helps, and of course I vote for Wells Fargo! On the factual side, it is the strongest financially of any of the nationwide banks. They have weathered the economic struggles very well. I hope you are pleased where ever you choose to bank!

God's Grace to you,

Lisa :)

GUARANTY BANK hands down. friendly people, uncomplicated bank rules, fair bookkeeping procedures I cannot recommend them highly enough.

We love wells fargo bank, we tried two others in the past but wells fargo seems to be the best, we've kept them now for 12years!!!!!

Strongly dislike Bank of America, Wells Fargo even more so. I've been with Woodforest since the beginning of 2006 and have not ONE complaint, not ONE.

We have used Wells Fargo for 12 years and have never had any issues. They are great!

I did like ours just okay (Chase) but now I LOVE them (Texans Credit Union). We switched to Texans in Feb after 20 years (yup, 20 years) with Chase. Texans offers a "HIGH RATE CHECKING Account with a 4.25% INTEREST RATE on your whole balance up to $25,000!

It requires nothing more than 1 direct deposit of any amount per month (and your employer can split your check among several, FYI) and 15 debit card purchases a month. So we set up several bills to auto pay on our debit/atm card and only end up having to make 5 purchases a month. Which we MORE than do anyhow. There is no minimum balance AT ALL. And no fee. We even got $150 for opening a new account with them. Their location was not convenient (Lewisville), but they have "sister" branch banks that were a little closer (Coppell where my Mother lives and I am at all the time anyhow), and I only go a few times a month to them anyhow to make hard deposits. So big deal. Since Feb, we have earned over $350 in interest, compared to $14 over seven years with Chase!!!

(That is with a balance that fluctuated from $2500 to $16,000 and back down, and everywhere in between, for reference.)

Plus, they don't use deposit slips, so less paper wasted there, and I did get free checks printed, not that I write a lot of paper checks.

Hope you consider them, take care!
Good luck!

I like Fort Worth Community Credit Union.

I don't know where you live, but we use Point Bank in Denton and LOVE them! The online banking shows pending transactions before they actually subtract from your account, the people are very friendly, and we have no fees. If you're in the Denton area, I highly recommend them! Good luck with your search. :)

My husband and I really like Wells Fargo. I used to bank with Compass, and I had so many problems with them. When I married my husband 3 years ago, he was already with Wells Fargo so I switched to them. I have not had any problems nor has he.

Do not know where you are, First Financial Bank offers everything your looking for. Good Luck.

I am happier than ever to bank at a Credit Union. If you live in Denton or Wise County, I highly recommend that you give DATCU a try---for too many reasons to list!

I'm a big fan of Bank of America - they have all that and are located across the country, so when we need to hit an ATM in another state, we find one easily so we don't get hit w/those ridiculous fees. I've been w/them for over 10 years and have been happy. Also, their online system is amazing. My company uses Chase, and I would not use them as my personal account after having to deal w/them for the business. BOA also has this great portfolio feature online - it automatically tracks all my purchases and categorizes them so that I can create a budget and compare that budget to my acutal purchases - LOVE this feature and not only is it totally free, it's simple to use. BIG fan of the BOA.

Hi Christine,

I'm not sure where you live but we bank with Legacy Texas. They are privately owned so it just feels different than the big banks. They have locations across the DFW area and I think they are great with their customer service. Good luck!

I live in BR and LOVE my bank First National Trenton.
They have all you are looking for above, except the 'lots of ATM's' part, BUT I think on all of their accounts, they will rebate another bank's ATM fee. They have branches in Farmersville, Melissa, Leonard and 2 in Trenton. They also have a notary free of charge for FNBT customers.
If you go to Farmersville to open your account, ask for Terry or Allison; if you go to Melissa, ask for Kim (a guy.) They are all very helpful.

Good Luck,
Debbie