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Old 08-09-2014, 04:24 PM
 
40 posts, read 40,867 times
Reputation: 15

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We are looking to start a banking relationship soon and being new to the are we would like some suggestions please. We have not used credit unions but are open to all options right now. So who do you like and why or not and why? We are in the Disston Hights area if that is important.
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Old 08-09-2014, 06:54 PM
 
515 posts, read 1,142,929 times
Reputation: 559
There's not much of a "relationship" between banks and their customers anymore unless the customer has very large amounts of money in the bank. Credit unions are good if you really only want to have a checking account, safe deposit box, and access to loans with good interest rates if need be. Many banks have done away with no strings attached free checking, while most credit unions still offer that. If you're going to start a trust or use the bank for other investment products a bank will likely treat you differently than if all you're looking for is a checking account.

Don't discount online banking that is offered by companies like Fidelity Investments and USAA. They have free, interest bearing checking accounts, allow you to deposit checks online, and reimburse you for ATM fees at any ATM in the United States. You aren't going to have a brick and mortar branch to go to, but many people never need to actually go to the bank anymore.
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Old 08-10-2014, 04:20 AM
 
Location: Historic Gulfport
464 posts, read 522,161 times
Reputation: 417
I know everyone hates BOA, but we travel a lot both in and out of the country and their relationships with foreign banks has come in handy. I've had at least 3 problems with ATMs outside the US (money never spit out of the machine), BOA always reversed the charges quickly. We never pay any fees to BOA since we have a MM there as well as checking; they even give us a free safety deposit box.

When we bought our home here and sold a house in AZ in the past 5 months, BOA was easy to deal with on the wire transfers; we went in person to the South Pasadena branch and staff/manager seemed very on top of things. We did have a kerfluffle over foreign wire transfers about 5 years ago (BOA is very strict about them). We almost had to fly back to the US to fix it; but in the end the AZ branch manager made it right for us, going out of her way to make it happen.

I have a CU account back in VA, but rarely use it since their network for deposits isn't as broad as BOA's.

We rarely go inside a bank. All our bills are e-bills, we never use cash, just credit cards (for miles with airlines). I rarely write a check. BOA's auto pay works well, for things like the local lawn care guy who doesn't take cc's and doesn't send e-bills; I set up an automatic monthly check that BOA sends him, I don't even pay the postage!

Last edited by gulfporter; 08-10-2014 at 04:39 AM..
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Old 08-12-2014, 08:51 AM
 
Location: Terra
2,827 posts, read 3,199,468 times
Reputation: 3339
I've had Suncoast CU forever, no complaints here so far.
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Old 08-12-2014, 10:49 AM
 
Location: Derby, CT
3,584 posts, read 2,488,210 times
Reputation: 2927
Grow Financial bro. I have nothing but great things to say about this bank!
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