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      01-06-2007, 11:08 PM   #1
bringsmewomen
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Which bank is the best?

With all the banks out there which one is the best?
Wamu?
Wachovia?
Commerce?
Bank of America?
Chase?
other?
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      01-06-2007, 11:54 PM   #2
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Bank of America - availability practically everywhere. Best on-line banking functionality.
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      01-07-2007, 12:03 AM   #3
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what do u need? a checking account/savings account, or something more substantial like asset managment/investing/funds
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      01-07-2007, 12:15 AM   #4
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One of the best financial institution I've used so far is USAA. They have limited eligibility since their membership is based off of active duty/retired/family members of service members. They have good banking as well as insurance and loan options. For example, you get ATM surcharge refunds every month (up to $15). And debit/credit rewards kick you back a little money every month from your POS transactions. The only drawback is that you won't see their local branches anywhere except if you live in Texas, so many things that you would normally do at your neighborhood bank will be done over the phone or mail with USAA.

In my experience, Bank of America Military Bank was one of the worst banks I've had. A couple of years back when I used their services, they had uncompetitive interest rates for their savings accounts, CDs, and loans. And when I closed out my account with them, it took numerous phone calls and several weeks for me to finally get my remaining balance back. Like I said, this was with Bank of America Military Bank and I don't have any experience with the regular Bank of America, so they may differ.

That's my $0.02.
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      01-07-2007, 12:46 AM   #5
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Quote:
Originally Posted by dme330i
Bank of America - availability practically everywhere. Best on-line banking functionality.
agreed with availability practically everywhere but not the best on-line banking functionality. theres also wells fargo bank.
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      01-07-2007, 12:59 AM   #6
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USAA is the best in the US. At the end of the year I always get a check from them for about 50-60 dollars because they distribute extra earnings among all the members. No other bank will do that.
Additionally, if I need to deposit a check into my account, all I do is scan it at home and viola! it's deposited. To withdraw, ATMs are all over the place.
Customer Service at USAA is top notch.

Additionally, Pentagon Federal Credit Union, IMO is the best bank in the US to get your car loans with. Membership is tricky, but becoming a member of one of the Military family associations for 1 year ($25) gets you in and your loan approved ( if you've got the right credit score) in 1 day.
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      01-07-2007, 02:10 AM   #7
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Quote:
Originally Posted by longtran
agreed with availability practically everywhere but not the best on-line banking functionality. theres also wells fargo bank.
Wells Fargo isn't nationwide though...I know the East Coast doesn't have Wells Fargo.
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      01-07-2007, 02:38 AM   #8
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Dood here in Socal all about da wamu. Washington Mutual baby!
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      01-07-2007, 03:15 AM   #9
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1.Wamu
2.Wells Fargo
3.Bank of America
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      01-07-2007, 04:22 AM   #10
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ING savings account = 4.5% interest rate right now but it keeps increasing every 3 months or so. no minimums, no fees
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      01-07-2007, 12:40 PM   #11
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Quote:
Originally Posted by dme330i
Bank of America - availability practically everywhere. Best on-line banking functionality.
Everywhere in America right? not international?
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      01-07-2007, 12:41 PM   #12
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Quote:
Originally Posted by mava330
Dood here in Socal all about da wamu. Washington Mutual baby!
Wham moo eh?
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      01-07-2007, 12:44 PM   #13
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Quote:
Originally Posted by longtran
agreed with availability practically everywhere but not the best on-line banking functionality. theres also wells fargo bank.
Whats bad about their functionality? Hows wamu for online functionality?
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      01-07-2007, 12:44 PM   #14
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Quote:
Originally Posted by Victor.L3IchibanM3
1.Wamu
2.Wells Fargo
3.Bank of America
Do u guys have commerce and wachovia?
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      01-07-2007, 12:46 PM   #15
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Quote:
Originally Posted by bringsmewomen
Whats bad about their functionality? Hows wamu for online functionality?
Online is RAD. Open up a FREE Checking account and a savings account at the same time online and you'll accrue 5% interest on your savings! Mins? Something like $5 in each account. You can't beat that!
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      01-07-2007, 02:42 PM   #16
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Nobody's said anything about SunTrust. I don't know if you guys have it on the West Coast, but here in TN it's everywhere. As a student they're basically everything I need from a bank, meaning free everything and some sort of account 'forgiveness' which means they don't freak out and charge you if you spend more than you have. Good stuff.
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      01-07-2007, 02:56 PM   #17
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Wachovia has been rated tops in customer service.
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      01-07-2007, 09:30 PM   #18
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Wamu is good for banking, however, dont ever go in there asking for an auto loan, the person in there wont even check ur credit and tell you "you dont look like u have money so our rates are high.. and decline you"
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      01-08-2007, 04:53 PM   #19
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Quote:
Originally Posted by leeJ
ING savings account = 4.5% interest rate right now but it keeps increasing every 3 months or so. no minimums, no fees

Citi is doing 5.0% with their e-Savings.
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      01-08-2007, 05:07 PM   #20
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Quote:
Originally Posted by icewatersoda
Wamu is good for banking, however, dont ever go in there asking for an auto loan, the person in there wont even check ur credit and tell you "you dont look like u have money so our rates are high.. and decline you"

haha NICE.

WAMU for life. If anyone needs an account, Home Loan, credit card, I am your man...and we don't do personal loans or car loans sorry Mr. Icewatersoda.
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      01-08-2007, 06:54 PM   #21
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Commerce is blowing up in the tri-state area especially in and around nyc, Theyre service is great and they make it really easy when doing checking and savings transactions. Also have almost any other accounts you would need even credit cards. I would say go with them.
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      01-08-2007, 06:58 PM   #22
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