 Bank of America sucks my nuts |
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| Bank of America sucks my nuts |
 May 22 2008, 11:07 AM
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#46
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 Group: Members Posts: 706 Joined: 22-February 06 From: Lubbock, TX Member No.: 20  |
No, that's the Stig's American Cousin from the Top Gear special from 2 seasons ago.
-------------------- Beers that I have had, updated July 5th, 2009: 1,548
My Beer List "Patriotism is the last refuge of the scoundrel" - Samuel Johnson "I like your Christ, I do not like your Christians. Your Christians are so unlike your Christ" - Mahatma Gandhi |
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May 22 2008, 01:01 PM
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#47
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Group: Admin Posts: 6,906 Joined: 22-February 06 From: Austin Member No.: 9 |
QUOTE (chook @ May 21 2008, 02:28 AM)  Spex, you know of any bank/union with a good apy? Checking or savings? If you're in Austin, for checking I'd recommend United Heritage Credit Union. 6.01% APY as long as you get online statements, do one direct deposit/debit per month, and 10 debit card transactions a month (doesn't matter whether it's processed as debit or credit, but ATM withdrawals don't count). That APY is up to 25k, APY over that is 1.01%. Good customer service overall, I just wish they had a savings account that was as good as this checking account. I've got my savings at Washington Mutual right now. Their online savings account (just have to set it up online and online statements -- otherwise is just like their other savings account) is currently 3.3%, higher even than the online-only banks. My boyfriend and I have both experienced good customer service with them, but they have their horror stories just like every other big bank. When the fed isn't going all screwy with the federal funds rate, eTrade usually has the best savings rate, but I fucking HATE their website and interface. Haven't heard good things about their customer service either, and my own experience was so-so. ING Direct has fantastic customer service, but their rates the past couple of years have been a tad bit lower than other online-only banks. -------------------- |
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May 22 2008, 02:31 PM
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#48
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 Oh baby bring me down  Group: Agents Posts: 4,115 Joined: 23-February 06 From: Way out yonder Member No.: 68 |
QUOTE (Spectatrix @ May 22 2008, 02:01 PM) Checking or savings? If you're in Austin, for checking I'd recommend United Heritage Credit Union. 6.01% APY as long as you get online statements, do one direct deposit/debit per month, and 10 debit card transactions a month (doesn't matter whether it's processed as debit or credit, but ATM withdrawals don't count). That APY is up to 25k, APY over that is 1.01%. Good customer service overall, I just wish they had a savings account that was as good as this checking account. I've got my savings at Washington Mutual right now. Their online savings account (just have to set it up online and online statements -- otherwise is just like their other savings account) is currently 3.3%, higher even than the online-only banks. My boyfriend and I have both experienced good customer service with them, but they have their horror stories just like every other big bank. When the fed isn't going all screwy with the federal funds rate, eTrade usually has the best savings rate, but I fucking HATE their website and interface. Haven't heard good things about their customer service either, and my own experience was so-so. ING Direct has fantastic customer service, but their rates the past couple of years have been a tad bit lower than other online-only banks. thanks for the 411! -------------------- Southern Rock, beer and bears!
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May 22 2008, 03:10 PM
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#49
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Group: Admin Posts: 6,906 Joined: 22-February 06 From: Austin Member No.: 9 |
Next question: does being able to post at length on such subjects as these make me lame?
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May 22 2008, 03:15 PM
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#50
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 GORILLA FLUFFER Group: Agents Posts: 7,711 Joined: 23-February 06 From: lubbock Member No.: 50 |
OF COURSE
--------------------  QUOTE (Jessica @ May 7 2007, 01:15 PM) but yeehaw dammit. YEEHAW QUOTE (Dogmeat @ Jun 26 2008, 07:51 PM) ok once upon a time I jacked myself off retarded. Licking anuses, one kindergarten class at a time!! |
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May 22 2008, 03:16 PM
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#51
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 Group: Members Posts: 10,620 Joined: 23-February 06 From: Houston, TX Member No.: 48 |
DORK
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May 22 2008, 03:18 PM
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#52
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Group: Admin Posts: 6,906 Joined: 22-February 06 From: Austin Member No.: 9 |
But I'm awesome otherwise, right?
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May 22 2008, 03:19 PM
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#53
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Group: Members Posts: 10,620 Joined: 23-February 06 From: Houston, TX Member No.: 48 |
yeah i guess
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May 22 2008, 03:22 PM
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#54
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Group: Admin Posts: 6,906 Joined: 22-February 06 From: Austin Member No.: 9 |
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May 23 2008, 08:49 PM
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#55
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I was raised on the dairy, BITCH! Group: Members Posts: 3,080 Joined: 23-February 06 From: Cedar Park Member No.: 49 |
i don't know why everyone has problems with wells fargo
i'll agree they are way too big for what they are but i've NEVER had an issue with them...i've never been charged, deducted, or scammed... i once overdrew my account back when i was a freshman and they refunded the fee... if you're talking about a savings account with wells fargo most banks have stipulations...you have to have a certain amount in a savings account but a checking account you do not... i just thank god for USAA....they are simply amazing -------------------- "Ah, y'know it's funny, these people they go to sleep, they think everything's fine, everything's good. They wake up the next day and they're on fire."
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May 23 2008, 09:49 PM
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#56
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 New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
yeah, we are getting a USAA banking account. We already have our car insurance through them. They are amazing.
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Jun 19 2008, 02:37 PM
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#57
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New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
So, I woke up this morning, made a business call only to find out I have to pay $150, so I was a little upset.
Fast forward about 2 hours. I log-in to my BofA account. I'm expecting like $120 in there, but just wanted to make sure nothing else had hit. To my surprise, there is $294.39 in there. I'm like "uhh.... how did I get money?" So, I click on account history, and there is an ATM Error Deposit Credit of $167.53. I'm thinking "CHA CHING!" That solves my problem of the bill from earlier!!!! But then I start thinking, and I know all of my deposits I have made recently have hit my account properly. I always check online after making an ATM deposit. Plus, the last few deposits I have made were in even increments of $20 bills. So, I decide to call and ask because I don't want them audit my account later and pull this money back out. I call, and they say that the last deposit I made on 6/16, I entered the amount as $160 but there was actually $327.53 in the envelope. That's where the difference of $167.53 came up. Ummm... ok? I figure banks audit their books all the time, though, so I might as well come clean. I told the lady that I really don't know why that money is there. She put in a request for them to research the deposit, but didn't put for them to correct it. That way, it could still be free money for us. I should find out in 7 business days. Sure would be nice if I get to keep that money. |
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Jun 24 2008, 11:22 AM
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#58
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New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
So it looks like we get to keep the money. I just called BofA and they closed the request for account maintanence without drafting the money out. All the documentation says it's ours. If for some reason, they audit down the line and draft that money back out and it overdrafts the account, they will reimburse us the overdraft fees. Yay for free money!
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Jun 24 2008, 02:01 PM
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#59
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 Group: Moderators Posts: 2,499 Joined: 23-February 06 From: El Paso Texas Member No.: 32 |
why don't you just use USAA?
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Jun 24 2008, 02:07 PM
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#60
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New son Donovan Charles Mummert born July 17, 2008 Group: Members Posts: 8,635 Joined: 22-February 06 From: Port Wentworth, GA Member No.: 15 |
QUOTE (woody @ Jun 24 2008, 03:01 PM) why don't you just use USAA? We want to. My husband just hasn't signed up yet because he doesn't want to bother changing his direct deposit. Heh. He is currently using Fort Bliss Federal Credit Union. My BofA account is like our joint account that we pay bills with, and his account we use for food and fun. It's kinda a pain in the ass every time he has to withdrawl money from his FBFCU account to deposit bill money into my account, but it's a lot less of a pain than dealing with the Army and changing the direct deposit over. His account doesn't have checks so we have to use my account for rent and stuff. I like the BofA account, though, because my mom can deposit money in there if we are ever in an emergency. We are in the process of a lot of changes, like buying furniture, baby stuff, planning a big move, etc so I occassionally borrow money from my mom for a week or two then pay her back. It would be such a pain if all we had was USAA, wouldn't it? I mean, they don't have physical banking sites.
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