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Old 08-18-08, 11:09 AM   #1
Allen
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I need a new bank

I've had an account at my locally owned bank since I was a kid, however they have been recently bought by a national chain.

If I deposit a check it now takes "up to two weeks" for the money to register even if the check comes from this bank. If I try to cash a check, even though I've been a customer for 30+ years and have known the tellers most of their lives, I have to provide two forms of picture ID (my DL and bank card no longer sufficient), fingerprint the check, sign the check, and pay a $5 teller fee for any transaction.

They are trying to push electronic banking by making going into the bank an utter hassle.

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Old 08-18-08, 11:10 AM   #2
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Thats terrible. Leave them immediately.
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Old 08-18-08, 11:12 AM   #3
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Thats terrible. Leave them immediately.
+1
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Old 08-18-08, 11:14 AM   #4
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Which national chain bought them out?
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Old 08-18-08, 11:15 AM   #5
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my bet's on Chase.
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Old 08-18-08, 11:16 AM   #6
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My local bank was run by morons, so I switched to a bank that was 300 miles away. If your comfortable with online transactions, statements, and such, it's not that big a deal to mail off checks to the bank.

I'm using WaMu. Seems like a decent insitution.
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Old 08-18-08, 11:17 AM   #7
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i have bank of america. boa=bunch of ***holes i would leave them in a heartbeak if their cd rates weren't so good.
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Old 08-18-08, 11:17 AM   #8
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Which national chain bought them out?
I think it's Synovus.
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Old 08-18-08, 11:19 AM   #9
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If you want service, with a smile, and generally low to zero add-on fees, you should look for a credit union.

I've been a member of my employer credit union for 10+ years. Limited hours, and they don't keep cash on site, but no fees for counter service, cashiers checks, money orders or even travelers checks, low interest/low fee/painless closing loans, and just plain easy to deal with.
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Old 08-18-08, 11:20 AM   #10
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Oh, and they charge to get change now too.
I was going to buy $10 worth of quarters so I could wash cars. $5 transaction fee apply there too.
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Old 08-18-08, 11:21 AM   #11
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I've come to the conclusion that creditunions are the best for service. Every chain seems ready to pounce on any occasion to charge a fee or make you sit thru a sales pitch for lousy products.

Besides, I'm not comfortable with banks that have names like "Chase" or "M-T".
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Old 08-18-08, 11:22 AM   #12
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I have been very satisfied with Chase. The only real issue we have ever had was of our own cause.

My wife deposited a refund check from our investment advisor late. So late in fact that it was no longer valid. We got charged a fee when the check was refused. Not happy about it, but overall, I think we get good service from Chase.
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Old 08-18-08, 11:25 AM   #13
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I get good service from Wamu, both online and in brick and mortar. I guess it depends on the branch employees though...
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Old 08-18-08, 11:28 AM   #14
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My local bank was run by morons, so I switched to a bank that was 300 miles away. If your comfortable with online transactions, statements, and such, it's not that big a deal to mail off checks to the bank.

I'm using WaMu. Seems like a decent insitution.
Washington Mutual is dying.

My mother used to work there as a Call Center Representative.

The management is horrible, the pay is crap and there continue to be more and more layoffs and center closings every week as WaMu outsources their call center stuff to India and the Philippines.

I would move my money to another bank or a local credit union. because Washington Mutual is on it's way out.

Note their stock prices have gone from over $40 per share to less than $5 in a year's time. This has resulted in more layoffs and more new hires who don't know what the hell they are doing.

WaMu is a mis-managed, poorly staffed company that will be dead very soon.
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Old 08-18-08, 11:31 AM   #15
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Washington Mutual is dying.

My mother used to work there as a Call Center Representative.

The management is horrible, the pay is crap and there continue to be more and more layoffs and center closings every week as WaMu outsources their call center stuff to India and the Philippines.

I would move my money to another bank or a local credit union. because Washington Mutual is full of crap.

Note their stock prices have gone from over $40 per share to less than $5 in a year's time. This has resulted in more layoffs and more new hires who don't know what the hell they are doing.

WaMu is a mis-managed, poorly staffed company that will be dead very soon.
Oh wow! Good to know, but I'm not a huge fan of banks, and our local credit union just crapped out due to the same issues. They're back up, but I don't really trust them right now.
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Old 08-18-08, 11:33 AM   #16
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wachovia has been nice to me. they're supposed to be having troubles though.
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Old 08-18-08, 11:35 AM   #17
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I get good service from Wamu, both online and in brick and mortar. I guess it depends on the branch employees though...
+1

Washington Mutual's stock may be hit hard, and it may be bleeding money, but the employees are still friendly and helpful (at least at the three branches I usually go to), fees are virtually non-existent, and my online savings account has a rather high interest rate.
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Old 08-18-08, 11:44 AM   #18
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Sounds like an awful turn of events.

Credit unions FTW.

Here's a site that helps you evaluate a bank or credit union's financial strength:

http://www.bankrate.com/brm/safesound/ss_home.asp
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Old 08-18-08, 11:45 AM   #19
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Washington Mutual is dying.

My mother used to work there as a Call Center Representative.

The management is horrible, the pay is crap and there continue to be more and more layoffs and center closings every week as WaMu outsources their call center stuff to India and the Philippines.

I would move my money to another bank or a local credit union. because Washington Mutual is on it's way out.

Note their stock prices have gone from over $40 per share to less than $5 in a year's time. This has resulted in more layoffs and more new hires who don't know what the hell they are doing.

WaMu is a mis-managed, poorly staffed company that will be dead very soon.
I'm betting they're going to get a tax-payer financed bail-out...

Still, they have great service.
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Old 08-18-08, 11:46 AM   #20
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Definitely a credit union is the best way to go. Only reason we're not relying on ours more is a bigass commercial bank (Wells Fargo) is treating us nice (some times) 'cause we got a mortgage from them.
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Old 08-18-08, 01:05 PM   #21
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Definitely a credit union is the best way to go. Only reason we're not relying on ours more is a bigass commercial bank (Wells Fargo) is treating us nice (some times) 'cause we got a mortgage from them.
My mortgage was sold to Wells Fargo a couple of years ago. I will actively avoid doing business with them because they keep calling me trying to sell me insurance after I have told them not to call any more.
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Old 08-18-08, 01:33 PM   #22
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i have bank of america. boa=bunch of ***holes i would leave them in a heartbeak if their cd rates weren't so good.
-1

I have BofA and everyone who works at the local branch knows me by my first name and treat me like royalty when I am there.
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Old 08-18-08, 01:56 PM   #23
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I have an account at Capital One bank, and they treat me great.
The catch is they only have banks in a few states.
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Old 08-18-08, 02:13 PM   #24
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I think it's Synovus.
Sounds like a disease that comes with an array of exotic rashes and blisters.

Last edited by JaRow; 08-18-08 at 02:20 PM.
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Old 08-18-08, 02:18 PM   #25
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Sounds like a disease that comes with a array of exotic rashes and blisters.
They charge separate blister fees and rash fees. And whelps, $5 each
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