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


Registered: 08/26/11
Posts: 60
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?

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


Registered: 09/12/04
Posts: 21192
Loc: Orlando, FL
Credit Unions are best.

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


Registered: 06/10/06
Posts: 412
Loc: midland tx
I use a few local ones here in Midland.
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#4680758 - 02/28/18 03:59 PM Re: I wanna change banks [Re: kpatter]
Astro14 Offline


Registered: 10/10/10
Posts: 8536
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: 529
Loc: Michigan
I suggest your local credit union. I love mine and it helps support my community.
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#4680773 - 02/28/18 04:07 PM Re: I wanna change banks [Re: kpatter]
JayhawkRoy Offline


Registered: 09/12/04
Posts: 1019
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.

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


Registered: 09/25/09
Posts: 15696
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 Offline


Registered: 03/04/17
Posts: 4285
Loc: Soviet State of Washington
Charles Schwab Bank.

https://www.schwab.com/public/schwab/banking_lending


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


Registered: 09/26/14
Posts: 1982
Loc: US-WA
Another one for the CU's.
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#4680798 - 02/28/18 04:45 PM Re: I wanna change banks [Re: Astro14]
kpatter Offline


Registered: 08/26/11
Posts: 60
Loc: texas
I wish I could join USAA.. I have no military ties in my family tho... Any way around this?

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


Registered: 12/08/06
Posts: 8269
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.
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#4680815 - 02/28/18 05:10 PM Re: I wanna change banks [Re: kpatter]
RoGuE Offline


Registered: 02/05/08
Posts: 680
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%.
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#4680817 - 02/28/18 05:12 PM Re: I wanna change banks [Re: kpatter]
mjk Offline


Registered: 02/15/11
Posts: 1233
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.

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


Registered: 08/31/15
Posts: 249
Loc: TX
Been here for over 35 yrs. If you can join, join.

https://www.cutx.org/About-Us/Join-Us/

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


Registered: 03/16/14
Posts: 643
Loc: Twin Cities MN USA
I have used credit unions exclusively for the past 32 years. Never going back to a bank.
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