Big Banks vs Community Banks

[italianchris11]

Which do you use and why? I have pretty much all my $ in Citibank and each time I go there I deal with the stupidest people ever and am thinking of moving everything over to a credit union by me.

[ERR]

I couldn't even imagine still dealing with citibank or b of a or chase, etc. etc.

[chrisd1163]

I have accts at NEFCU, TD and most recently Cap One. They all have their advantages and disadvantages. I think the most important part of the bank is the relationship that you have with the employees. I know in NEFCU or TD, I can get almost anything done, I never wait in line, my checks are always cleared immediately. Cap One I had to get to work with a certain vendor and it's a pain in the ass so far. The only thing I like about it is how many branches there are.

I have B of A for one of my personal accts so I can always deposit checks or withdraw money no matter where I am in the country. If you travel a lot, a national bank is probably the way to go.

[James Maxx]

I deal with Wells Fargo for my personal checking, savings, brokerage and mortgages. Great customer support, no fees on trades and good mortgage interest rates.

I used to have Citibank but I don't like how they have all their support personnel in India, and they gave me a hard time once when I wanted a mortgage, so I dropped them. I do still have a Citibank credit card, but I only keep it for its 8.24% fixed interest rate.

Chase are a bunch of crooks. My fiancee uses them and she always has problems with them charging her fees when they shouldn't and I don't like how they were one of the first to raise credit card rates. Same goes for Bank of America.

TDBank is just ghetto and are Canadian-based, so I don't do any business with them. Capital ONE has horrible security.

[berniec]

wells for mortgage, but have to look into their brokerage options, didn't think they had that

BoA for personal and business checking accounts and brokerage.

[ERR]

wells for mortgage, but have to look into their brokerage options, didn't think they had that

BoA for personal and business checking accounts and brokerage.

you have my sympathy

[i3ei3eLiss]

HSBC (mainly b/c that's where my parents have their accounts & when I was in HS my father opened one for me there) - I don't have any complaints about the bank but I have dealt with idiots there too.

[berniec]

you have my sympathy

honestly i don't have any complaints about either of them. Wells was a BITCH to get a mortgage from with doc requirements, but they in the end closed on time and got me the best rate.

[James Maxx]

wells for mortgage, but have to look into their brokerage options, didn't think they had that

BoA for personal and business checking accounts and brokerage.

They have a special package called the PMA package. Pretty good hookup if you meet their minimum balance requirements.

I also get 4 free ATM withdrawals per month, from any ATM. Which is good since Wells Fargo does not exist on the East Coast.


https://www.wellsfargo.com/checking/pma/

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[ateam333]

HSBC (mainly b/c that's where my parents have their accounts & when I was in HS my father opened one for me there) - I don't have any complaints about the bank but I have dealt with idiots there too.

I use HSBC also, I have no complaints. Plus is you travel outside the US there are branches.


Chase keps calling me to open a checking account with them, does anyone use them and what are your feelings on their service?

[radioboy407]

i use hsbc and chase, and i will be starting an online savings with capital one because their rate is 1.45 plus some 10% quarterly interest while hsbc is 1.10.

I do hate chase, they charge service fees on checking accounts if u dont use it 5 times a month

[TheHipHopBillGates]

small banks lobby just as hard as big banks........don't fool yourself.

[ERR]

small banks lobby just as hard as big banks........don't fool yourself.

i dont think that woudl conern most people, its got to do with these big banks incompetence from the very, very top all the way to the bottom.