What is the reason in saying you have online banking to watch your status, if they tell you it's usually incorrect status ????
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Categories: account, bank, bank account, bank checking account, Chase Credit Card, Checking Account, checking bank account, citi, fee, helpdesk, interest, market, monthly interest, online bank account, online cd, Online Credit Card, online credit card processing, online money, online payment processing, online saving, online shopping, savings account, service, statement, wamu Tags: account, bank, bank account, bank checking account, Chase Credit Card, Checking Account, checking bank account, citi, fee, helpdesk, interest, market, monthly interest, online bank account, online cd, Online Credit Card, online credit card processing, online money, online payment processing, online saving, online shopping, savings account, service, statement, wamu
As I have noticed, all the banks with online setup for checking and savings, have new “no minimal setups” and “no minimal deposits.” I have to say, the setup goes smoothly and you do not have to hand anything to a half wit and hope they do not fumble your investment money. You just make sure that you do not screw it up.
I have been charged 27 times for overdraft fees that never actually happened, 8 of them at one time. This set me back quite a bit of money, $216 to be exact. It all came out of one check and the day before my car note was due. After many hours of hearing “but you spent it.” and being transferred, I emailed a bank representative. I mean, they were saying it was because I went into the red, which is bull. Finally, I got someone with an IQ, and she said, “Oh, I see what happened. You should see a refund in three days.” Well, 12 phone calls and a month later, I still have not received my money back.
The whole “no nickel and dime” slogan rings true: Sure, they will not nickel and dime you; they will dollar and five you. They charge you $20+ to do a balance inquiry from another bank’s ATM. God forbid someone in a store checks the validity of your account by having you type in your PIN code. Sure, the checks are free.
|(FOREIGN TRANSACTION FEE||-$0.05||)|
That looks like a nickel to me. I paid for something online in Virginia.
Now, I have been using Prosperity Bank for a few years. I was going to that bank, back before it changed its name on me twice. I had issues with the way a few things changed, so I took out all of my money last year except for 95 cents. I went to an online checking account at a very popular bank, the one bank that tells of “No hassle” and they “won’t nickel and dime you.” BS! Well, as I am seeing things, I will go back to Prosperity Bank. See, I didn’t know what they were up against with everything changing around them, I guess I just needed to evolve with them or die out there on my own. This walk in only bank has accounts that have minimal amounts limitations or they charge you small fees. Luckily, I have an account older than the company’s logo, so I still have 100% free checking. The downside is, the checks cost me money.
Online checking = free checks, ATM fees out the yin-yang, no minimum savings, no lines to wait in when making adjustments to your account, and your security is as high as your encryptions.
Walk-in checking = costly checks, no fee to check your balance at any ATM, savings are $2000 minimal, and you have to wait in line to transfer money around accounts. Savings is a hassle.
Who in their right mind trusts a bank with a name that looks like “watch over ya” but pronounces it “walk over ya?”
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[tags]account, bank, bank account, bank checking account, Chase Credit Card, Checking Account, checking bank account, citi, fee, helpdesk, interest, monthly interest, savings account, service, statement, wamu,online bank account,online cd,Online Credit Card,online credit card processing,online money,market,online payment processing,online saving,online shopping [/tags]
I signed up to Washington mutual after a friend of mine suggested I give the online regestration a try. I was really impressed with how easy it was to set up my account. My friend did not have a current back account for some reason or another so he had to go to a wamu in person and do his first deposit in person. I on the other hand have an account at another bank and it was a snap to use routing numbers blah blah yadda, and transfer funds to the wamu account. If I would have used a credit card, the least I could have transfered would have been $50. Since this is something I am “trying out” I do not want to flop around fifty freakin bucks. Ya know? really that is no issue at all, I completely (almost) understand .
So I go to my local Washington mutual and swing by to set up my atm card and deposit a little bit of money into my checking account, I did have a couple bills to pay and they where kinda on my way so I was going to just make a few rounds and get some stuff done. I handed the little blinky eyed dude my check and he suddenly bloated up on my and before I could say how much I wanted deposited and how much cash I needed he informed me they would be hanging on to my check for a week to verify that it is a legit check. I tell him and assure him that it is not a personal and point the difference… lol that ticked him off. :P
Well after a little bit of huffing we decided it would be in my best interest if I just went to my current bank and cash my check there and come back to wamu deposit what ever I want to, in cash. Ok he decided he was not going to help me and I suggested that I come back with cash for his ghetto bank.
So that is what I did. I put a little in the free online checking and a little in the free online savings.
Now we all have seen teh commercials with a skinny dude and the butt load of snotty bankers who want to charge atm fees and check fees and all of that, right ?
Well now the story gets really good. I decide to go a month or so and not touch that account I was already ticked off pretty good. Before I leave work one I look into my account information at an atm… Just a balance inquiry, not a withdrawal. Should be no fees if there are NO atm fees. . hmmm $2 less than what I put into my account, why is this like this on my statement ?
I go home and check my balance and low and behold, Tadda, washington mutual charged me for a balance inquiry. How do I know this? well I use that same atm who is through citibank, and not through my other bank, well I have used that atm for years on my other bank never a fee for just a balance inquiry, hell one of my friends from work uses wells Fargo and is never charged a fee. So I call Washington utual and see what the deal was, I call my wamu . The guy on the other end informs me he is not capable of helping me and that I need to call the help desk for the online. ok I call the 1800 or 188 number. after going through this endless circle of pressing one for english and two to speak to a human and getting forced into a f.a.q. section repeatedly I finally talk to a human, the lady on the other end tells me that it was the atm carrier that charged the fee.. nfw! I explain to her that I do and did my research before I do and did anything.. Ever. and she responds with ” you must be wrong” So I ask her for email address so I can send her a copy of my bank statement from the other bank. She told me that would not be necessary and I asked her “with that kind of response you do not care how right or wrong you might be, you are just certain that you are correct because you are saying what you are supposed to”. lol, she flipped out. I asked her if she was supposed to go ” all robot with pride” on me lol and she responded with “you’re an idiot’ and hung up on me. Ok maybe that was overboard of me but I was frustrated with thier whole set up.
I call my buddy back and begin to tell him about the way I got charge an inquiry fee, I got all the way up to “hey man I went to check my balance” and he jumped all over the conversation with “I know man I checked mine and got charged 14.95 to look at my balance”
Now why in the blue hell did they charge him $14.95 and me $2 ? well what ever.
Yes the fee carried over and is still there , yes it has been longer than a month and no they did not refund it after the statement and balance was complete. No there where no strange circumstances that would leave them a reason to penalize me or my friend for any activity. If I was suposed to do a chicken dance or bite the head off a bat or something I was not informed of this . I just know that the commercials are false and missleading.
Watch yourself on the fees.
The savings account is rocking though, I like the way you can just chunk your change in there and all is good in the world. that part is smooth and pretty. so if you get an account there , go for , may as well sign up for the savings, the interest is better than most bank’s c.d. accounts and does not penalize you for changing by withdrawal or deposits.
I have no idea how well they are with building business credit, business bank account, business checking account, business credit card , business money market. So good luck with that.
it’s kinda cool.
I did just talk to a representitive and she explaine dthat it is free checking with no atm fees….. for using atm at a wamu bank..
doesn’t every bank do that for you?
Categories: account, balance, bank account, banking on line, card balance, Checking Account, citi, fee, helpdesk, interest, market, monthly interest, online bank account, online cd, Online Credit Card, online credit card processing, online money, online payment processing, online saving, online shopping, savings account, service, statement, wamu Tags: account, bank, bank account, bank checking account, Chase Credit Card, Checking Account, checking bank account, citi, fee, helpdesk, interest, market, monthly interest, online bank account, online cd, Online Credit Card, online credit card processing, online money, online payment processing, online saving, online shopping, savings account, service, statement, wamu, your bank account