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Old 08-01-2018, 03:34 PM
 
Location: Arizona
83 posts, read 38,456 times
Reputation: 162

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I'm planning on moving out to Vancouver early-ish next year and my mother is making the move there as well. I was just wondering what the best local banks/credit unions are? We're both kind of tired of Wells Fargo and we're looking to make the switch after we move. I'm personally trying to find a bank/credit union that doesn't charge fees for having a low to $0 balance in a checking account, as that's something WF and most big banks seem to do. Any recommendations?
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Old 08-01-2018, 05:58 PM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
22,546 posts, read 39,924,861 times
Reputation: 23663
IQ is getting a lot of the CU business in SW WA.
https://www.iqcu.com/

https://www.google.com/search?q=cred...h=798&dpr=1.25


I am at (2) different CU's, (than these) but they are not so accessible to the general public.

for my Business accounts, I use US Bank in PNW; Comerica in TX

but... I am an international CO-OP developer i.e. Credit Unions and cooperative businesses (with a .coop email) so... CU's are always at the top of my list. Have partnered with IQ on many community service events and finance training. They are quite good.

For Mortgages... Riverview used to be the 'go-to' place in SW WA. (or at least worth checking out)
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Old 08-01-2018, 10:40 PM
 
Location: WA
2,910 posts, read 3,994,294 times
Reputation: 3569
I agree with IQ Credit Union. They probably have the most branches in Clark County and are super friendly and low fees. They are formerly the Teachers Credit Union for Vancouver but have outgrown that role and after the laws were relaxed some years ago they now take anyone.

I got an IQ account when I moved to town but honestly still mostly use my USAA account for checking just out of habit and convenience.
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Old 08-02-2018, 10:24 AM
 
7,193 posts, read 4,170,204 times
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Yeah I mostly use USAA and a couple other credit unions from other locations I use exclusively online these days. I have a Columbia Credit Union account mostly just for the free notary access and if for some reason I ever needed to make a cash deposit(which I would then just transfer over to USAA) which is exceedingly rare.
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Old 08-03-2018, 02:12 PM
 
Location: Arizona
83 posts, read 38,456 times
Reputation: 162
Thank you guys so much for responding. IQ is looking like exactly what I need. I had originally only found Umpqua for the most part when searching "vancouver wa credit unions" and IQ is by far what I'm looking for. This is why I love asking on the forums. Thank you guys again! Looks like I've found my new credit union/bank!
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Old 08-03-2018, 05:26 PM
 
Location: WA
2,910 posts, read 3,994,294 times
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Umqua is a bank not a credit union I think and I think it is also based out of Oregon. IQ is pretty much the sweet spot for banking in the Vancouver area. They are local and very invested in the greater Vancouver area so have lots of branches in convenient locations all over Clark County. They are always super friendly when I go in and the local branch managers always seem to have lots of autonomy as they have been helpful to me a couple of times. You don’t get that with say Chase or Wells Fargo.

At the same time they are large enough to have modern online access features and a mobile app. The phone app isn’t quite as slick as what you get with the bigger banks with fingerprint ID. But you can still do all the stuff like deposit checks remotely with your cell phone camera and transfer money around. Some of the small credit unions with only one or two branches sometimes don’t have all those online features available.
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Old 08-03-2018, 07:55 PM
 
1,180 posts, read 389,538 times
Reputation: 2278
Onpoint. I left IQ for them a couple months ago because of how they've suddenly gone "hidden fees"-happy and the rude (and bloody-ass slow!) "service". They've gone downhill fast since they assimilated Lacamas a few years ago. It was a bitter divorce after 17 years. When a credit union becomes increasingly bank-like it's time to reevaluate one's options.

Cashing my paycheque and depositing a little into chequing, I can be in and out of Onpoint in about five minutes. Maybe about 10 if there's a queue but it beats spending half an hour (literally) at IQ. They're super-friendly and, oh yeah, their ATMs actually work more than 40% of the time, and I couldn't be happier. It's exceedingly rare that I would say that about any business based in socialist Portland so that says a lot.

YRMV and maybe you'll have better luck, but as far as I'm concerned IQ knows which end they can blow it out of.


Quote:
They are formerly the Teachers Credit Union for Vancouver






Clark County School Employees Credit Union (CCSECU), I think they opened to the general public sometime around the turn of the century. They set up a branch inside my high school in early 2001 and when I opened up my first savings account there in my junior term I was one of their first customers. (My account number was only five digits long!)

Last edited by Ttark; 08-03-2018 at 08:17 PM..
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Old 08-04-2018, 09:02 AM
 
Location: WA
5,394 posts, read 21,388,001 times
Reputation: 5889
I left IQ when during a slow period I was assessed 'no activity' fees. I like the people, locations, and general services but the policy did not work for me.

Had to manage a estate account with multi-state access and was blow away by the good policies and service from Chase bank.
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Old 08-04-2018, 11:25 AM
 
1,180 posts, read 389,538 times
Reputation: 2278
Well. I was thankfully never threatened with that, but my tipping point was them deciding to discontinue paper statements for E-mailled ones (over my dead body) and autodeducting $3 from your account if you opted to continue receiving them, which of course (pure profit!) is the default. Since they didn't bother to disclose that charge like they're required to under IIRC Sarbanes & Oxley, *and* when questioned the teller chose to argue with me (a big no-no) that they did, that was it.

Though I kind of knew something was up when they decided to abandon traditional ATM cards for a VISA debit smart card. I have nothing against smart card technology; it's easy to defeat (pry the EMV module out with a pocket knife, fill the cavity with epoxy, badabing, you now have a regular magstripe card) but I never asked for it and specifically requested a credit union ATM card when I signed up for it years ago, when offered the option of debit. No thanks. Knowing how wonderful they are with always issuing disclosures, I threw my first one in the shredder because I was under the impression that they'd signed me up for debit which I neither needed nor wanted. (Like the useless paper cheques they figured they'd send me "as a courtesy" early in the IQ days, without letting me know they'd helped themselves to $12 out of my chequing account for them, thank you very much. Some of us insist on enjoying the virtual anonymity and convenience of real cash.) Then when the teller finally spilt the beans on their little ploy, and authorised to send me a new card at $5.75. At least she did bother to disclose it that time.

IQ are a lawsuit waiting to happen. I guess it's good for those who love the corrupt business practises of a corporate bank but want the benefits of a credit union, and want the best of both worlds. That doesn't include me.
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Old 08-04-2018, 03:51 PM
Status: "San Diego =/ Young Families" (set 24 days ago)
 
917 posts, read 1,076,979 times
Reputation: 2075
If you travel a lot within the US, or move a lot, it makes sense to go with one of the bigs. We use Chase, tons of ATMs everywhere with no withdrawal fees, lots of branches if you need something immediately while away. When you move, simply update account information, instead of having to open new accounts, execute transfers, reset passwords, etc. etc.


Global travel is a different game, and this is where the big U.S. banks do charge 3% foreign transaction fees on ATM withdrawals and even credit card purchases, an enormous ripoff. Though I bet the local credit unions are even worse. TD Bank is good for international travel, no international transaction percentages. We use Chase Sapphire Preferred for purchases, no foreign transaction fees. Need to read the terms and conditions carefully on everything when outside the U.S. (banking, cellular, insurance).
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