Shit that pisses me off...

R

Risaki

New member
My bank doesn't charge any fees for anything. Free checking. Free savings. Free online banking. Free online billpay with no limit as to how many bills I pay. Free account transfers. Free loan applications. Free teller visits. The only thing I have to do to keep everything free is keep a $300 balance in my savings account. Otherwise it's $5 a quarter.

Of course it's not a bank. It's a Credit Union. Same damn thing, only smaller. Check into a credit union. You get better interest rates and generally lower fees. The only thing that sucks is that they have a limited number of branches.
 
:yeahthat:
I only have to keep $250 in. No fees whatsoever, unless I dip below and it's a $5 charge like Uber's (but mine's monthly) :rolleyes:. I have lots of branches to choose from though. PP that's why i lol ed you, you are only stating what you know, which ended up sounding like a Chase infomercial. Not berating, just pointing it out so you know.
 
Pierced's avatar actually reminds me of the commerce bank logo.
commerce_logo_300.jpg
 
All of your problems could be solved by simply not being an idiot.

Also, use a credit card for bill payment, that way you can do a charge back if someone decides to hit you with some crazy fee.

Also #2, get a checking account. How in the world can someone your age get by with only a savings account? Don't you get penalized on withdrawals over a certain amount a month/quarter/year? There's no point in even having a savings account unless you plan on building interest either...
 
Yes, it's what happens when you actually put and leave money in a bank. Neat, huh?


Says the college kid.

You know, there's a reason sensible people keep their savings in high-yield accounts (that often times are at a separate bank from their checking).
 
Poor assholes crying about being poor. I kept 10k in my account at Bank of America and got 3 bucks. Wow, you really don't expect much out of your investments jung, or do you invest in the bank of colombia??. Wanna go into business with me? I swear we'll make bank doc..I swear...*shifty eyes like seven taught me*
 
Do you honestly regard keeping 10k in a bank account as an investment?

That is more of a rhetorical question than anything else as it would seem to me that the $3.00 return on your "investment" is the answer.
 
I'm not silly enough to think that a savings account is an investment in the first place.

The whole point of a savings account is to get FDIC and accrue interest on your money. Without that, you might as well put your money in a hole in the ground. All I'm saying is that if you plan on putting some money away long-term, then a savings account is the place for it (barring *real* investments of course). Checking accounts are for short-term disposable funds.
 
Savings accounts have minimum balances. Checking accounts do not. Savings accounts have higher interest rates because of the limited withdrawal activity, which checking accounts have an interest rate so low it's not worth considering.

And eyeknow, I hope to GOD you didn't have that kind of money in a basic checking or savings, because that's the dumbest fucking thing you can do. If you have that kind of money, you could have easily put some of it to for your in a long term CD or at least in a Money Market/Better Banking account. BoA is very similar to Chase, I think we even use the same program. My point is, if you had that kind of money in a basic account and no one called you up and said "Hey you know what, you've got a lot of money sitting there doing nothing. Come in when you have time and I'll show you how I can put your money to work for you" then you should leave that bank. I'm not saying that because they're a rival, I'm saying that because it's stupid that they didn't try to help you make more money. A great way for a bank to lose customers is to not routinely check up on customers, and then have a rival bank say something about the benefits associated with a certain type of account. Trust me, my branch alone has cost BoA at least twenty customers since I started, just because they would come into my branch to cash a check, and we mentioned some benefits associated with our bank. One customer I know brought several million over.
 
I only have that much due to a lawsuit that i am involved with that is drawing to a close; I cant go into detail but family and business do not mix if an idiot tries to run up a bill they cant pay on company money.

No that i'snt my normal banking activity, as usual someone missed my point about a savings account being an act of fiscal futility (I'd rather invest it in companies we all use but take for granted Ex: Atmel CO). FDIC insurance is nice but in the end not as useful as it claims when and if all goes to shit.

BOA treats its customers like shit but is a big ass bully when wiring overseas to assholes you buy shit from *cough* (russian) *cough* (mob) *cough*. If it wasn't for that fact i would have left them long ago. :tongue:
 
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