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Bank of America Sucks.

Beachguyj

Beachguyj

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Check your checking account. They will now be charging you $9 a month if you do not have direct deposit or keep a balance of $1000 in the account. They are also $30 Billion in the debt.
 
lurchinurchin said:
Bank with someone else - I always found US Bank a better choice among the big banks. Well Fargo is about the same as Bank of America - except I think their limits aren't as high on a basic checking account.
Most of your local banks offer free checking these days to be competetive so it may be worth checking into them to see if they have any balance minimums. It's all FDIC insured so no worries.
Click to expand...

I do I use TD Bank (used to be Commerce Bank) for my main checking account. They are open 7 days a week. This BofA was just a backup place where I could get a debit card. They are only 2 blocks from where I live.
 
Most of the biggies do it. Chase did when we were with them, and in fact, Chase was charging us around $30 a month in ridiculous fees at one point. We eventually switched to B of A and have been fee free ever since.

But yeah, go into a branch and tell them you're going to [insert local competitor here] and more than likely they'll make a 'special consideration' for you.
 
/\/\ I would be surprised if the branch will remove those fees. I use Chase and they fee people up the ying. I complained to the branch manager and he just shrugged his shoulders, like there is nothing I can do.
Most of these banks are in such bad shape they are grasping at straws to stay above water.
At Chase if you oversdraw your account the move money in $50.00 incriments, charge you $10 to move the money (from your own savings account mind you, so you are not even borrowing money from them) and then they charge you interest on the entire thing, even the ten dollar moving fee.
I think the thing to do is find a small local bank, if there are any left, and bank with them. It's more personal service.
 
swerve said:
:=D::=D::=D:

For the OP -- go in to your branch and ask them to REMOVE the fees...

ODDS are that they will...

BEST OF LUCK!!!

:):):)
Click to expand...

The fees start next month. I closed the checking account. I will soon close the savings account. I can't even get an ATM card for the savings account only. I think I am going with Wachovia they are less than 2 miles from me.
 
FPNY said:
// I would be surprised if the branch will remove those fees. I use Chase and they fee people up the ying. I complained to the branch manager and he just shrugged his shoulders, like there is nothing I can do.
Most of these banks are in such bad shape they are grasping at straws to stay above water.
At Chase if you oversdraw your account the move money in $50.00 incriments, charge you $10 to move the money (from your own savings account mind you, so you are not even borrowing money from them) and then they charge you interest on the entire thing, even the ten dollar moving fee.
I think the thing to do is find a small local bank, if there are any left, and bank with them. It's more personal service.
Click to expand...

Someone somewhere else suggested a Credit Union. I am not familiar with then.
 
newguyj said:
The fees start next month. I closed the checking account. I will soon close the savings account. I can't even get an ATM card for the savings account only. I think I am going with Wachovia they are less than 2 miles from me.
Click to expand...

Wachovia is BANKRUPT -- they are now Wells Fargo...

Even though they haven't changed all their signs yet...

TRUST ME -- I have my personal accounts with B of A -- and my Business accounts with Wachovia (now Wells Fargo)...

B of A is a MUCH EASIER bank to deal with...

:confused::confused::confused:
 
i hate the atm fees, a charge to use other atms other than the issuing banks. its B f'in S that they charge you a fee for that.
 
You have no right to complain about abusive banking practices unless you have been a client of Spanish banks and thrifts: where do you think the "Spanish exception" (as false as any other myth, by the way) and the purchase power of the Banco Santander come from?
 
belamy said:
You have no right to complain about abusive banking practices unless you have been a client of Spanish banks and thrifts: where do you think the "Spanish exception" (as false as any other myth, by the way) and the purchase power of the Banco Santander come from?
Click to expand...

Never heard of it. Sounds like a guy who only likes cut guys but will do a hot uncut Latin. ..|
 
lurchinurchin said:
The bank's explanation was pretty lame - something about that it costs them maintenance time.
Click to expand...

They are lying. Everything is done by computers now a days. Why can a good bank like TD bank not only never charge ATM fees, but they will credit you if another bank charges you ATM fees if you use a TD Bank card to make the withdrawal.
 
A few years ago, there was some furore in Hong Kong about something similar, because the poorest, the pensioners and the vulnerable who are getting state pensions and other welfare benefits often have bank balances below the HK$5000 level. The banks wanted to levy a charge on its customers below that threshold some amount per quarter. So, that meant in a year these poor folk would be liable to paying hundreds of dollars in administration fees each year.

I can't recall how it all ended as I was there only a month of so when it blew up...
 
Bank of America just raised the interest rate on my credit card. I have never missed a payment and rarely carry any kind of balance. I cancelled the account this week.
 
CREDIT UNION!!!! Boys, get with the program!

They operate exactly like a bank except they are not trying to screw you.

Non-profit, owned by their members.

Checking is usually free! 25,000 free ATMs nationwide!
 
Yes, they suck as does every bank/credit card company. But its crazy to say let it fail. Something like 1 in 3 or 1 in 4 americans have their money there and a collapse would cause crazy panic. The answer is to get better regulation so that can't do some of the unfair practices.
 
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