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Old 07-13-2007, 09:24 PM
 
Location: Suburban Buffalo, NY
929 posts, read 2,709,585 times
Reputation: 204

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Does anyone know of any banks that offer checking accounts and offer the accounts without a monthly service fee for that account. I'm looking to switch due to the huge amounts of fees that my bank charges.

If anyone out there is a sales person send me a PM and will contact you if you can help me.
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Old 07-13-2007, 09:47 PM
 
Location: Drury Lane
807 posts, read 1,871,017 times
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I think most banks waive the service fees if certain conditions are met such as a minimum balance or direct deposit.

Check out Bank of America, Wachovia, First Charter, BB&T, Credit Unions...to name a few.
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Old 07-13-2007, 10:16 PM
 
Location: The 12th State
22,063 posts, read 40,023,402 times
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If you work for the state or relative of someone who does you can get an account with North carolina employees credit union and actually earn interest on your checking instead of fees. They also get a higher yield on other accounts and offer lower interest on car and home loans than a commercial bank.
The minimum to keep in the accounts is small I think like 25 bucks for most and no hidden fees.
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Old 07-14-2007, 07:38 AM
 
Location: Charlotte, home of the NY/NJ refugees
1,384 posts, read 206,767 times
Reputation: 275
Quote:
Originally Posted by XNYgirl View Post
Does anyone know of any banks that offer checking accounts and offer the accounts without a monthly service fee for that account. I'm looking to switch due to the huge amounts of fees that my bank charges.

If anyone out there is a sales person send me a PM and will contact you if you can help me.
I had a $5/month fee and recently my BB&T representative saw that on my account and switched me to another type of account that has no fee. Look into BB&T. And to my knowledge, there is no monthly minimum either.
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Old 07-14-2007, 09:47 AM
 
Location: Fort Mill, SC (Charlotte 'burb)
4,732 posts, read 13,565,719 times
Reputation: 954
Quote:
Originally Posted by SunnyKayak View Post
If you work for the state or relative of someone who does you can get an account with North carolina employees credit union and actually earn interest on your checking instead of fees. They also get a higher yield on other accounts and offer lower interest on car and home loans than a commercial bank.
The minimum to keep in the accounts is small I think like 25 bucks for most and no hidden fees.
You can join Truliant Federal Credit Union as long as you live, work, or worship in Meck. Co (they are awesome). You can joing Charlotte Metro Credit Union as long as you live, work, or worship in Meck, Iredell, or Union (I think). Once you own part of a CU, you will never go back to a bank.

Checking - Truliant Federal Credit Union

Truliant Federal Credit Union

Last edited by groove1; 07-14-2007 at 10:40 AM..
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Old 07-14-2007, 10:38 AM
 
Location: Southern NC
1,915 posts, read 2,855,672 times
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First Charter has free checking with no minimum balance required.
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Old 07-14-2007, 04:55 PM
 
2,127 posts, read 4,275,993 times
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Bank of America is who I bank with and the account that I have has no fees. The free online banking is awesome.
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Old 07-14-2007, 05:31 PM
 
Location: Gulf Coast Mississippi
235 posts, read 236,469 times
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If you have military affiliation USAA can't be beat. Interest bearing, no charge for check protection (and if it is used there is still no charge) they pay for your ATM charges, on and on.
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Old 07-14-2007, 05:46 PM
 
48 posts, read 211,336 times
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While everyone likes to have bank in the neighborhood, there are a lot of banks on the internet that offer free cking, higher interest etc ... the only drawback is deposits (unless direct deposit) have to be mailed.

I have found that many banks will neg that too -

Keep in mind if you have several accounts and there is a minimum, the accounts can be linked so their total equal the minimum .
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Old 07-14-2007, 09:25 PM
 
235 posts, read 508,645 times
Reputation: 56
We just opened an account with Wachovia the checking is free no fees, no minimum to keep in it. They were very nice when we went into open our account.
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