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There are a few PNC's in Manhattan....not many.....If you don't need a branch regularly and mostly just use Online, Mobile and ATM banking you could use PNC, as all of the MCD's within the 5 boroughs have ATMs that are free for PNC.
The Most Convenient banks in NYC are Chase, BofA, Citi and TD.
I think for a class act and making a customer feel valued, I would recommend FIRST REPUBLIC.
I bank with at least a dozen banks and this one is special.
Only disadvantage is that they aren't on every corner like Bank of America, CHASE (okay) or CAPITAL ONE (the worst, endless screw-ups.)
i don't even bother with a bank . i send it right to fidelity investments. i can use any atm to get money and they pay any fee. from there i utilize free biil payment , investments i want , cd's i can buy and sell if need be and get nice reports on spending.
First of all, you don't "need" an account for direct deposit. Don't confuse "need" and "want."
Second, there is no best bank. It depends on what you need. You might choose a bank for proximity to work, for proximity to home, for large number of branches, for good staff, for good interest rates - or even because some banks will award you extra money for opening a direct deposit account.
That said, if I were you, I'd start by investigating credit unions. At all costs I'd stay away from scum like Chase and Bank of America.
Only disadvantage is that they aren't on every corner like Bank of America, CHASE (okay) or CAPITAL ONE (the worst, endless screw-ups.)
I know people hate BofA, but I've saved quite a bit on withdrawal fees because of the "on every corner" concept.
Since you mentioned Capital One... they swallowed ING Direct, which was a really cool online bank. Since I automatically became a C.O. customer, I went into a branch here in Manhattan and to get cash for our last move. They COULD NOT do anything. They said I need to be a C.O. customer. I told them I was and showed them my card. They looked at me like I was on fire.
How about this one:
I went into Cap ONE and cashed in some old government bonds...on my 1099 they listed the interest twice. I just paid the tax on it to save myself a hassle.
Went into Cap One and withdrew the minimum amount from an IRA and they disclosed that I had taken it ALL out. Took me 6 months and perhaps 15 hours to straighten it out. In the meantime, they fired the person who handled the transafction.
I too inherited Cap One from a takeover of Trust Co. of New Jersey taken over by North Fork, taken over by Capital One.
Last edited by Kefir King; 04-27-2015 at 07:47 AM..
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