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Spectatrix
post Dec 8 2006, 10:39 AM
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I'm going to be getting a new checking account soon and wanted to see what recommendations people might have on banks. I'm going to be in Austin, so either big chains or local Austin banks are viable. I've had a Wells Fargo account in the past, which has been ok, but I won't be eligible for their college checking account and thus can't get free Bill Pay.

I'm looking for:
  • Free online banking
  • Free bill pay
  • No account fee (or waived with *small* balance)
  • Provides Visa-backed debit card (pretty much everyone)
  • Don't give a flip about savings, because I already have my ING Direct account for that
  • Don't care if it's interest-bearing, because those interest rates are always tiny anyways
  • Preferably good customer service, but lack of crazy hidden fees is a higher priority than that


This post has been edited by Spectatrix: Dec 8 2006, 10:46 AM


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QUOTE (pebkac @ Oct 14 2006, 03:15 PM) *
You and your logic.

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GOB
post Dec 8 2006, 11:42 AM
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monogamous gays & stem cells


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wells fargo is the probably your best bet, but maybe check out washington mutual or capital one if they have those in austin. i think they both have free online bill pay, but i'm sure they charge some sort of fees
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jwttu
post Dec 8 2006, 12:03 PM
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QUOTE (Spectatrix @ Dec 8 2006, 10:39 AM) *
I'm going to be getting a new checking account soon and wanted to see what recommendations people might have on banks. I'm going to be in Austin, so either big chains or local Austin banks are viable. I've had a Wells Fargo account in the past, which has been ok, but I won't be eligible for their college checking account and thus can't get free Bill Pay.

I'm looking for:
  • Free online banking
  • Free bill pay
  • No account fee (or waived with *small* balance)
  • Provides Visa-backed debit card (pretty much everyone)
  • Don't give a flip about savings, because I already have my ING Direct account for that
  • Don't care if it's interest-bearing, because those interest rates are always tiny anyways
  • Preferably good customer service, but lack of crazy hidden fees is a higher priority than that

hey i would look into frost bank. they are pretty big in Austin and known for their customer service.

https://www.frostbank.com/cgi-bin/ecomm/por...;action=summary
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jonathan83
post Dec 8 2006, 12:09 PM
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kookmin bank


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DaveFireDancer19
post Dec 8 2006, 12:12 PM
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I think BofA and Wachovia and WaMu all do that...(not sure though)

i know you didnt want tips on savings..i still have my ING account as well...but there are now savings accounts that have over 5% interest...check out bankrate.com biggrin.gif I've just been too lazy to switch biggrin.gif
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Billy
post Dec 8 2006, 12:13 PM
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Wells Fargo is by far the worse bank, period. Some of the nonsense they pull I think borders illegal. America State Bank is also a bank I wouldn't recommend, however, hands down is better than Wells Fargo.

I think the only reason why people use Wells Fargo is because it's hip and those using them haven't had much experience using any other banks.

I do not know if this bank is in Austin, but definitely check out City Bank if they are. They are fast (and honest, unlike Wells Fargo) for online banking. I do believe they have free checking (in fact, in the past and possibly now, they'll pay you to open up an account with them). I have had nothing but a positive experience with them.


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Spectatrix
post Dec 8 2006, 02:57 PM
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Thanks for the recommendations. Billy, I presume you meant Citibank, not City Bank, right?


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QUOTE (pebkac @ Oct 14 2006, 03:15 PM) *
You and your logic.

QUOTE (Foamy)

http://xkcd.com/386/
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Aaron
post Dec 8 2006, 03:11 PM
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I have Bank of America... they keep my money safe and don't let midget steal it.

So I give them an A+.
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Seussninja
post Dec 8 2006, 03:13 PM
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FFFFFFFUCKKKKKKKKKKKK


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Compass Bank is pretty good too, check em out.
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Spectatrix
post Dec 8 2006, 03:48 PM
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Any particular bank other than WF that you guys would NOT recommend?


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QUOTE (pebkac @ Oct 14 2006, 03:15 PM) *
You and your logic.

QUOTE (Foamy)

http://xkcd.com/386/
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The Fanatic
post Dec 8 2006, 04:07 PM
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Do they ignore parts of reality?


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I use american state bank and enjoy it. But, for where you are I would suggest either wells fargo or bank of america


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A psychotic world we live in. The madmen are in power. How long have we known this? Faced this? And--how many of us do know it? Perhaps if you know you are insane then you are not insane. Or you are becoming sane, finally. Waking up. I suppose only a few are aware of all this. Isolated persons here and there. But the broad masses... what do they think? All these hundreds of thousands in this city, here. Do they imagine that they live in a sane world? Or do they guess, glimpse, the truth...?

-Philip K. Dick
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Billy
post Dec 8 2006, 04:15 PM
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QUOTE (Spectatrix @ Dec 8 2006, 02:57 PM) *
Thanks for the recommendations. Billy, I presume you meant Citibank, not City Bank, right?


City Bank may be Lubbock only. So I also vote for America State Bank.


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Throwdown
post Dec 8 2006, 04:26 PM
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fuck you!


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bank of america fucking sucks.

it took 8 days for two debit charges to hit my account. 8 fucking days!

they held my paycheck for 5 days without any reason

they held a 5 figure check for 3 WEEKS before letting it clear. the check was drawn from a boa account and deposited into another boa account

they tried to charge me $200 in fees because i opened a savings account and never made any deposits, because i realized how shitty their service is. i just finally sent a response letter telling them to, in effect, go fuck themselves.


First State Bank in austin is excellent


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Hartmann
post Dec 8 2006, 04:29 PM
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Isn't America(n) State Bank West Texas specific?


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FORSAKENR320
post Dec 8 2006, 04:32 PM
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QUOTE (Aaron @ Dec 8 2006, 03:11 PM) *
I have Bank of America... they keep my money safe and don't let midget steal it.

So I give them an A+.



is the plural for midget "midgii" or "midgets"?



i like midgii better


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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.


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