All banks suck because theres rules they have to follow. You also must remember, banks are a business too. They're not here just to be a safe for your money, they're here to use your money, and provide a service to you at the same time. You're not going to find a really great bank other than small private neighborhood banks, if that. TCF, Citi, Chase, etc. are not going to give you customers what you are looking for.

 

I think people expect too much.

USAA = best bank ever

USAA = best bank ever

 

Personally ING or Citi have been my best experiences. ING because of the rates and overall quality Customer Service.

Again, banks must keep track of all customers. Federal Law.

 

More specifically these are post 9-11 anti-money laundering laws. Brokerages have to do these samethings.

More specifically these are post 9-11 anti-money laundering laws. Brokerages have to do these samethings.

 

Yep. Like Check 21. I did a refresher course on these laws and there are many added right after 9/11 and with good reasons.

Edited February 27, 200917 yr by nitetrain8601

Personally ING or Citi have been my best experiences. ING because of the rates and overall quality Customer Service.

Yeah USAA has all that. Plus I can deposit checks from my house which is just uberconvenient. The only drawback is that there is no branch for me to physically deposit cash into, but considering I basically never deposit cash, I don't care.

 

I think only military and dependents can use USAA though.

Yeah USAA has all that. Plus I can deposit checks from my house which is just uberconvenient. The only drawback is that there is no branch for me to physically deposit cash into, but considering I basically never deposit cash, I don't care.

 

I think only military and dependents can use USAA though.

 

Other banks have so you can make remote deposits. Not just USAA.

Other banks have so you can make remote deposits. Not just USAA.

I'd never heard of it. I know Chase didn't have it. Or Wachovia, I don't think.

Again, banks must keep track of all customers. Federal Law.

Well, I set it up online, and then made a deposit at a Chicago branch, and asked the teller if there was anything they needed to see from my end for the account and they said no. Thats what really pissed me off, that I went there, they took my money, and I asked them if they needed anything and they said no while they gladly too my check.

Our local bank got bought out by Harris a few years ago and I can't say I have a complaint, they've been good

My USBank driveup teller told me today they "weren't really equipped to handle change at the driveup".

Change at most banks (assuming you mean CoinCounter/CoinStar) is typically a lobby service. It can get stuck in the tubes since it's usually heavier then what they were designed to transport.

 

Now then,

I've been in banking for 5 years with 3 companies. TCF isn't half as bad as many of the other banks you'll find out there, I promise. No bank is complaint-free. I've seen people get hit with $300 in fees and shrug it off because they knew they were at fault, and I've seen people shout at some 18 year old kid over a $30 fee because they are so full of themselves that they can't admit they were wrong. Vermin is what they are.

 

Just about 100% of customer complaints at any bank stem from said customer failing to understand the wonder and mystery of a checking account. Of course, there are some incompetant bankers out there, but there are also incompetent GMs in baseball, politicians in office, and police officers on the force. Banks operate by a set of rules. These rules are briefly explained upon the opening of any sort of account accompanied by some literature which is more in-depth. It's up to you whether or not you choose to read this literature. It's not like Bank X didn't like your name so they singled you out to hit you with a fee. The people you rain your hell onto when you visit the bank to complain didn't pocket your money to have a nice little pizza party somewhere. Generally if you're nice about it, fees get reversed.

Edited February 27, 200917 yr by Swingandalongonetoleft

Wasn't a tube driveup. This driveup is one of those things right at the window.

 

I can see how my 17 coins would overload them.

Well, I set it up online, and then made a deposit at a Chicago branch, and asked the teller if there was anything they needed to see from my end for the account and they said no. Thats what really pissed me off, that I went there, they took my money, and I asked them if they needed anything and they said no while they gladly too my check.

 

That's pretty crummy service.

Change at most banks (assuming you mean CoinCounter/CoinStar) is typically a lobby service. It can get stuck in the tubes since it's usually heavier then what they were designed to transport.

 

Now then,

I've been in banking for 5 years with 3 companies. TCF isn't half as bad as many of the other banks you'll find out there, I promise. No bank is complaint-free. I've seen people get hit with $300 in fees and shrug it off because they knew they were at fault, and I've seen people shout at some 18 year old kid over a $30 fee because they are so full of themselves that they can't admit they were wrong. Vermin is what they are.

 

Just about 100% of customer complaints at any bank stem from said customer failing to understand the wonder and mystery of a checking account. Of course, there are some incompetant bankers out there, but there are also incompetent GMs in baseball, politicians in office, and police officers on the force. Banks operate by a set of rules. These rules are briefly explained upon the opening of any sort of account accompanied by some literature which is more in-depth. It's up to you whether or not you choose to read this literature. It's not like Bank X didn't like your name so they singled you out to hit you with a fee. The people you rain your hell onto when you visit the bank to complain didn't pocket your money to have a nice little pizza party somewhere. Generally if you're nice about it, fees get reversed.

 

Very well stated. It all depends on how you come across.

 

Most important rule as a customer of a bank, always, and I mean always, read the disclosure. You're protecting yourself that way. It may seem like a pain, but everything in there is important. From the opening page until the back.

Wasn't a tube driveup. This driveup is one of those things right at the window.

 

I can see how my 17 coins would overload them.

It's not a dumptruck.

I had TCF a few years back because I liked their hours but I had major problems with them as well. The straw that broke the camels back was when I was in LA visiting family and I was waiting for a deposit to clear so I could get money out of the ATM. I would check the ATM every once in a while to see if it cleared yet not realizing they charge $1 for checking your balance. SO, everytime I checked it they hit me with the overdraft fee. All the fees made my account overdrawn and I had some bills paid through them automatically which bounced and I got more fees. By the end of it they wanted $595 in fees just for checking my balance.

It's not a dumptruck.

 

It was 84 cents in an envelope.

 

They do it in my hometown. I can understand not taking someone's piggy bank, but it was literally the spare change out of my pocket. It's a damn bank.

Hardly any banks take change through a drive through, that's well known.

 

Why the f*** were you putting 84 cents into a bank? That's what a jar at your house is for, and then you bring that inside the bank.

Edited February 28, 200917 yr by IlliniKrush

Hardly any banks take change through a drive through, that's well known.

 

Why the f*** were you putting 84 cents into a bank? That's what a jar at your house is for, and then you bring that inside the bank.

 

Hmmm....they've ALWAYS done it in the banks I'd used at home.

 

I was getting rid of the change, plus depositing checks. It's not like I stopped by with the sole purpose of emptying my pocket.

I never, ever use the drive thru at the bank. I go inside for everything.

I never, ever use the drive thru at the bank. I go inside for everything.

 

They always f**k you at the drive thru!