octoprof
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« Reply #15 on: November 01, 2009, 02:21:13 PM » |
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The same problem arises with S&Ls, which also offer a good alternative to the traditional bank. Credit Unions are pretty good, and I would go for one except that where I am now the closest credit union has a branch that's over 10 miles away and nothing closer. That would mean I'd need to use unaffiliated ATMs. This is an advantage of USAA, which refunds other people's ATM fees. Check them out.
My credit union reimburses ATM fees, which is one reason why I have stuck with them for 20 years, despite never having an ATM nearby. On a sidenote, writing that I have been with my bank for 20 years made me feel old. Don't feel old. My husband has had this account at our credit union for 35 years. His Dad opened it for him when he was little. When we married and merged accounts we kept his because it's so old the account number is only four digits! |
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Let us consider that we are all partially insane. It will explain us to each other; it will unriddle many riddles; it will make clear and simple many things... Mark Twain
It is our choices that show what we truly are, far more than our abilities. Professor Dumbledore
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ls410
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« Reply #16 on: November 01, 2009, 06:51:54 PM » |
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BoA and Wachovia are the 2 main options around here. I'm with Wachovia and am neither happy nor unhappy. Its interest rates are laughable (so I have an online savings account with ING). Because my paycheck is direct deposited I have a lower minimum balance to avoid fees and get some free perks (traveler's checks and fees waved on 2 non-Wachovia ATMs per month).
Before I moved here, I was with US Bank and loved it. I would have stayed with them if they were further east.
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daniel_von_flanagan
<redacted>
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Works all day. Posts all night. Needs sleep.
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« Reply #17 on: November 01, 2009, 07:20:09 PM » |
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It is hard to switch to a new bank, since BoA tends to eat them. Four of the banks with whom we had accounts are now BoA. - DvF
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The U.S. Education Department is establishing a new national research center to study colleges' ability to successfully educate the country's growing numbers of academically underprepared administrators.
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conjugate
Compulsive punster and insatiable reader, and
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Tends to have warped sense of humor
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« Reply #18 on: November 01, 2009, 08:05:56 PM » |
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I'm with Wachovia and am neither happy nor unhappy. Its interest rates are laughable (so I have an online savings account with ING).
Well, I do think that truth-in-advertising laws should preclude calling something a "savings" account if it doesn't at least reach the CPI. These six-tenths-of-one-percent and down rates should be called "losing less value than your mattress by some insignificant tiny amount" accounts. I suppose that's too long, but still there's no point in making a deposit in a savings account if you get more value buying muffin mix. Even getting the nice simple 3% or so that would tie with inflation seems to be a challenge unless you put the money into something that ties it up for several years. |
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Unfortunately, I think conjugate gives good advice.
∀ε>0∃δ>0∋|x–a|<δ⇒|ƒ(x)-ƒ(a)|<ε |
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parispundit
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« Reply #19 on: November 02, 2009, 02:48:01 PM » |
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The solution is Bank of Internet (bofi.com). You can use ANY ATM, since they don't have any of their own. They will refund the charges of the banks whose ATMs you use up to $8 or $9/month, I forget which. They do not charge themselves. They will pay you interest on your checking account, and you can direct deposit with them like with any other bank. They are FDIC. Checks are free too, as is their debit card. You can link the card to your money market or savings account with them, or set up a line of credit if you want overdraft protection. They are excellent for getting money at overseas ATMs as well.
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treehouse
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« Reply #20 on: November 12, 2009, 12:52:10 PM » |
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melba_frilkins
Doing laundry.
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« Reply #21 on: November 12, 2009, 09:53:07 PM » |
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Your local credit union is light years better than BoA and practically all the other options.
I have personal experience with a wide variety of banks, including over 30 years at what is now Wachovia, which I detest with a purple passion now.
Credit union.
Credit union.
Credit union.
Some things are worth repeating.
I'll add to that repeat. What reason is there to even consider a commercial big bank? I have always loved my credit unions, small or large. |
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daniel_von_flanagan
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Works all day. Posts all night. Needs sleep.
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« Reply #22 on: November 13, 2009, 05:53:23 AM » |
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What reason is there to even consider a commercial big bank? I have always loved my credit unions, small or large. Large international transactions. We have accounts at two CUs, both have been hopeless on international stuff. - DvF |
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The U.S. Education Department is establishing a new national research center to study colleges' ability to successfully educate the country's growing numbers of academically underprepared administrators.
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conjugate
Compulsive punster and insatiable reader, and
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Tends to have warped sense of humor
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« Reply #23 on: November 17, 2009, 11:24:39 PM » |
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I knew that this stuff had been covered in a previous thread. I couldn't find it until I tried to find an old thread on author order (in response to a question about whether the order of authors on a paper matters, which it does, but how much varies). Instead of finding that thread, I found this one. Wow. It's almost like I'm organized or something. |
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Unfortunately, I think conjugate gives good advice.
∀ε>0∃δ>0∋|x–a|<δ⇒|ƒ(x)-ƒ(a)|<ε |
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