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Old 07-17-2011, 12:10 PM
 
25,631 posts, read 30,350,635 times
Reputation: 23111

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Quote:
Originally Posted by whatlifeforme View Post
Bank of America has more atms and branches than any other bank in America.. are you kidding me?

I was hoping to build a good reputation with them, but i've overdrafted my account a few times (been in the negative for 5+ days now), and they refused to offer me a student credit card.

Thus, I guess its time for me to move on from them.. If i ever have income again, i'll probably give First Citizens a try (they have nice branches).

I don't buy into the credit union hype.
Its not hype. Some how I suspect ignorance and lack of experience is clouding your judgement. As is usual with college aged kids.
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Old 09-02-2011, 12:22 AM
 
Location: Yucaipa, California
9,723 posts, read 18,382,086 times
Reputation: 6422
Not all credit unions offer totally free checking.
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Old 09-05-2011, 04:25 PM
 
Location: South of Northern California
378 posts, read 641,785 times
Reputation: 255
I've been with credit unions for over a decade, and I'll never go back to a bank. Our credit unions have always been fantastic. Our last one even caught someone who stole some of our checks. They knew us well enough to suspect something was fishy about the woman cashing a check supposedly filled out by my husband, and they called the police on the spot. Our current one took care of me when my card was cloned. And we've always had great treatment from them regarding loans and such--good rates and never any issues. Someone mentioned hype--I find CUs to be refreshingly free of exactly that. I hate the way banks press all their crap on you. I don't see CUs filling my mailbox with tons of junk mail every day.
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Old 09-05-2011, 04:47 PM
 
5,113 posts, read 4,943,283 times
Reputation: 1728
I would not hold much money at Bank of America. They are not in good shape and could go under soon.
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Old 07-23-2012, 11:15 AM
 
Location: California and Austria
24 posts, read 98,292 times
Reputation: 39
Credit unions are amazing! Try something new, you have nothing to lose. We are currently at a credit union with free checking, no lines to wait in and awesome customer service. I had to get away from BOFA, they really suck.
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Old 07-23-2012, 11:18 AM
 
25,631 posts, read 30,350,635 times
Reputation: 23111
Right on. Only took a year.

I'm thinking "Cialis isn't right fo you". LMAO!!!!

Just kidding- glad you switched from the dark side.
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Old 07-23-2012, 02:04 PM
 
Location: California and Austria
24 posts, read 98,292 times
Reputation: 39
Sorry, I didn't get the joke but yes, happy to be with the CU.
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Old 07-23-2012, 03:04 PM
 
Location: Where they serve real ale.
7,249 posts, read 6,651,780 times
Reputation: 3497
BoA sucks. It has high fees, poor customer service, and all of the mega "too big to fail" banks are the same. Take your money out of them and put them into community banks or better yet nonprofit member owned community credit unions. You'll pay lower fees, you'll get much better customer service, they'll pay you a higher interest rate for your savings accounts and CDs, plus the decision makers who decide if you get a loan or not (car loan, mortgage, etc...) will actually know you by name because you'll see them every time you go into your local branch. It's an all around better way to get your financial services.
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