Does anyone actually like their bank?I hate my bank. I don't go overdrawn often, only occasionally, always accidentally. I was running a little tight last week, and I forgot about a payment I had made but it had no posted. I didn't write it down and I ended up going over. Everything I had purchased previously had already gone through with no... |
yea, banks are nasty mo fo's. this is how they are able to give free checking accounts, by harshly dinging the few folks who get caught with little cash flow.
you have Chase, huh?
the stories I could tell...
I'm very happy with my bank. They pay 3% interest on my checking account, reimburse all my ATM fees from other banks so I can use any ATM for free, free safe deposit box, free checks, they have free online bill pay, and I can download everything directly into Quicken. Also gave me a free Home Equity Line of Credit. No charge for any of it. (National City bank)
But overdrawing your account is just asking for trouble at ANY bank. They don't like that, and it's not unheard of for banks to close your account if they feel you're doing it too often, even if they are collecting overdraft fees. I suspect what happened is what was mentioned earlier - banks will process the largest withdrawals first, because for most people those are the most important (mortgage, car payment, insurance, etc.). It's unfortunate that that system also generates the most overdraft fees, but it's probably the best system for most people.
I love my bank. I never overdraw my account. That's because I never write checks for money that isn't in the account. I also never allow my account to go so low.
It is normal procedure for banks to process checks largest first. The reason is suppose to be that the larger checks are probably more important than the small amounts.
Maybe you should get overdraft protection. That would save all those bounced check fees.
you should go in and ask them to take off some of the fees...that's happened to me before...explain your story they may take a few off....(which they've done for me)
but to answer your question, i've had so many banks and there's always something annoying with each one...especially the "free checking" ones with all the crazy fees for crazy things like viewing checks online more then ten times a month....
I'm going to switch to gmac bank after I close my account at US BANK, the over draft fee at gmac is $20, USBANK is $38 dollars, plus, i get interest on my balance at gmac regardless of my balance.
Dude above me, what bank you bank at?
I suggest though, sincerely, talk to your local bank and see if they can reverse some of the charges. I have had my local banker reverse charges for me, sometimes they will work with you.
Try a small credit union. I've had no problem with them.
I used to work for a huge bank (who shall remain nameless) and they really could care less about one person's individual little account.
Saying "I don't go overdrawn often" falls on deaf ears for the vast majority of us that have never been overdrawn.
Banks are making money from people like you... but it would be better (cheaper) for them not to deal with overdrafts.
If you knew their "rules" you wouldn't be surprised by their charges. You'd also be more likely to avoid them.
Make excuses. Blaming other people, institutions or companies for your poor behaior is not the best way to succeed in life. Please don't take my comments as uncalled for critisism. Give them some thought. My comments are sincere and based on experiance.
I wish you the best.
I love my bank! No fees. They actually pay me money to bank with them. No fee mortgages. Friendly. Branches all over the nation.
AWESOME bank.
i hate all of the chain banks like wells fargo. i use a local credit union and they are very good to me.
Love my bank.
Well actually, it's a credit union.
If you can become a member of one, I highly recommend it.
