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OT - I want to change banks. How do you chose one?

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Griz
Reg. Sep 2003
Posted 2014-11-04 5:44 AM
Subject: RE: OT - I want to change banks. How do you chose one?


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Nita - 2014-11-03 9:59 PM
svincent - 2014-11-03 8:52 PM
bocephus's mama - 2014-11-03 8:34 AM
Frodo - 2014-11-02 9:25 AM  Stay away from Bank of America.  They're full of costly tricks.  The big banner across the front of their bank that said Free Checking really meant we will drain your bank account with every stupid fee we can think of.  When I called them on it and said I was going to close out my (new) account they said "sure" that will be a $25 close-out fee.  I just took all my money out in cash an left them no opportunity to steal that fee. 



 
I'd watch this...just because you don't have money in the account doesn't mean that you don't still "owe" the fee. And they rack up. For instance, they'll charge you the $25 fee, there won't be any money, so then they'll charge you a $50 overdraft fee. THEN, the account isn't closed so you get a monthly fee (most "free" checking accounts require a direct deposit to be free) which each month comes with an overdraft fee. Good ole Bank of America did this to my husband when we switched accounts and it went on his credit. We ended up having to pay about $1,000 and WE NEVER DID ANYTHING TO INCUR THE COST! So frustrating.  
This!!!! I ended up "owing" Wells Fargo for this EXACT reason. Came out to about $650 or so.
WOW! You got robbed by your bank! It's amazing they get away with that stuff!

I agree! WOW - this is craziness - doesn't even seem like it would be legal! 
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Nita
Reg. Apr 2012
Posted 2014-11-04 7:29 AM
Subject: RE: OT - I want to change banks. How do you chose one?



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Griz - 2014-11-04 5:44 AM

Nita - 2014-11-03 9:59 PM
svincent - 2014-11-03 8:52 PM
bocephus's mama - 2014-11-03 8:34 AM
Frodo - 2014-11-02 9:25 AM  Stay away from Bank of America.  They're full of costly tricks.  The big banner across the front of their bank that said Free Checking really meant we will drain your bank account with every stupid fee we can think of.  When I called them on it and said I was going to close out my (new) account they said "sure" that will be a $25 close-out fee.  I just took all my money out in cash an left them no opportunity to steal that fee. 



 
I'd watch this...just because you don't have money in the account doesn't mean that you don't still "owe" the fee. And they rack up. For instance, they'll charge you the $25 fee, there won't be any money, so then they'll charge you a $50 overdraft fee. THEN, the account isn't closed so you get a monthly fee (most "free" checking accounts require a direct deposit to be free) which each month comes with an overdraft fee. Good ole Bank of America did this to my husband when we switched accounts and it went on his credit. We ended up having to pay about $1,000 and WE NEVER DID ANYTHING TO INCUR THE COST! So frustrating.  
This!!!! I ended up "owing" Wells Fargo for this EXACT reason. Came out to about $650 or so.
WOW! You got robbed by your bank! It's amazing they get away with that stuff!

I agree! WOW - this is craziness - doesn't even seem like it would be legal! 

I'm sure it was all in the fine print somewhere. Doesn't make it right, just allowed them to legally do it. Kinda like your experience with meritrust, I know the fine print says they can call a loan at any time. But, they rarely do. Still... it's a crappy way to treat their customers.
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