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#4680750 - 02/28/18 03:53 PM I wanna change banks
kpatter Offline

Registered: 08/26/11
Posts: 51
Loc: texas
I have been with Chase for my checking account for 15 years.. They have always gladly accepted money for deposits but it is just so difficult to get a loan with them sometimes and they are now going to start charging me 12.00/month for my checking account. I understand credit unions etc. and may look into them.

I am tired of just being a number with the huge banks. I am 55 and dont qualify for senior rates yet..

What do you guys think? Where do you bank?

#4680754 - 02/28/18 03:57 PM Re: I wanna change banks [Re: kpatter]
Mr Nice Offline

Registered: 09/12/04
Posts: 20666
Loc: Orlando, FL
Credit Unions are best.

#4680757 - 02/28/18 03:59 PM Re: I wanna change banks [Re: kpatter]
askani79705 Offline

Registered: 06/10/06
Posts: 402
Loc: midland tx
I use a few local ones here in Midland.
2017 Ford F150 NAPA syn 5w30 Fram 11955.
2000 Chevy 2500 Silverado PYB 5w30 AC Delco Filter

#4680758 - 02/28/18 03:59 PM Re: I wanna change banks [Re: kpatter]
Astro14 Offline

Registered: 10/10/10
Posts: 8270
Loc: Virginia Beach
I bank with USAA and. Navy Federal Credit Union.

None of the charges like you describe. Free checking. USAA even reimburses me for every ATM transaction fee (up to 10 per month) when I withdraw from a non-USAA bank. No international services charges on my credit card.

Time to ditch the banks that charge too much.
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#4680770 - 02/28/18 04:05 PM Re: I wanna change banks [Re: kpatter]
Eosyn Offline

Registered: 07/15/11
Posts: 518
Loc: Michigan
I suggest your local credit union. I love mine and it helps support my community.
02 Toyota Celica GT: 194k, VML 5W30/Denso filter
05 Toyota Corolla LE: 151k, VML 5W30/Denso filter
15 Chevy Malibu LT: 33k, VSP 0W20/Denso filter

#4680773 - 02/28/18 04:07 PM Re: I wanna change banks [Re: kpatter]
JayhawkRoy Offline

Registered: 09/12/04
Posts: 994
Loc: Basehor, KS
Check around and do some shopping. My local savings and loan provides free checking for age 55+ folks. Some also do free checking if you have your paycheck deposited there through auto deposit.

There are also credit unions who provide free checking with a minimum balance requirement. On line banks like Everbank and Ally have checking account options depending on your personal needs.

#4680774 - 02/28/18 04:10 PM Re: I wanna change banks [Re: kpatter]
fdcg27 Offline

Registered: 09/25/09
Posts: 15296
Loc: OH
I'd talk to the manager of whatever branch you use.
I'd tell them that unless they can give you free checking you're going to have to change banks after all this time.
Bet that $12.00/mo gets waived.
Banks are all about fee income these days since their loan portfolios aren't yielding a whole lot at current rates.
They will often try to levy these junk fees and then back down when those fees are questioned.
As an individual, changing banks isn't a big deal.
With the twelve local accounts I manage at work, it would be a nightmare but fortunately our current bank has been good about bringing their fees down to a competitive level.
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#4680778 - 02/28/18 04:17 PM Re: I wanna change banks [Re: kpatter]
PimTac Online   content

Registered: 03/04/17
Posts: 2942
Loc: Soviet State of Washington
Charles Schwab Bank.

I’ve been with them for years after Chase took over Wa Mutual during the crisis. No fees, no minimums. Customer service has been top notch. You have to open a brokerage account but are under no obligation to fund it. ATM fees are rebated each month. No fees for international use either.
2017 Mazda CX-5 GT. Idemitsu 0w-20 factory fill. Factory Denso filter.

#4680796 - 02/28/18 04:42 PM Re: I wanna change banks [Re: kpatter]
Dyusik Offline

Registered: 09/26/14
Posts: 1732
Loc: US-WA
Another one for the CU's.
95 Cherokee 190K RT6 5W40,Denso
07 IS250 93K FB ?w??,FULL
04 YZF-R1 18K DELO 15w40,FU
99 HD XL1200S 18K 76 20w50,NAPAG
14 RX450h 28k M1 0w20,Denso

#4680798 - 02/28/18 04:45 PM Re: I wanna change banks [Re: Astro14]
kpatter Offline

Registered: 08/26/11
Posts: 51
Loc: texas
I wish I could join USAA.. I have no military ties in my family tho... Any way around this?

#4680800 - 02/28/18 04:48 PM Re: I wanna change banks [Re: kpatter]
mrsilv04 Offline

Registered: 12/08/06
Posts: 8081
Loc: Illinois
My employer's Credit Union is located one block from my office.

When I have to go there, which is rare anymore... I can walk, and be back at my desk in about 20 minutes.

#4680815 - 02/28/18 05:10 PM Re: I wanna change banks [Re: kpatter]
RoGuE Offline

Registered: 02/05/08
Posts: 667
Loc: Atlanta, GA
I like Discover. I have a credit card, checking, and savings account with them. Their checking is free and you have access to something like 60,000 ATMs for no charge. And their savings account rate is pretty decent at 1.5%.
2007 Chevrolet Malibu
2.2L Ecotec

#4680817 - 02/28/18 05:12 PM Re: I wanna change banks [Re: kpatter]
mjk Offline

Registered: 02/15/11
Posts: 1192
Loc: Wishin' I was in Wi
Left the world of banking for credit unions, after college. Would never leave this world, such a pleasant 30 years of experiences.

#4680829 - 02/28/18 05:31 PM Re: I wanna change banks [Re: kpatter]
KJSmith Offline

Registered: 08/31/15
Posts: 201
Loc: TX
Been here for over 35 yrs. If you can join, join.

#4680831 - 02/28/18 05:34 PM Re: I wanna change banks [Re: kpatter]
Inspecktor Online   content

Registered: 03/16/14
Posts: 606
Loc: Twin Cities MN USA
I have used credit unions exclusively for the past 32 years. Never going back to a bank.
2001 Ranger 3.0 145,000 mi
2006 Dakota 4.7 151,000 mi
1986 GL1200A 72,000 mi
2001 Buick LeSabre Limited 291,000 mi

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