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Someone's DH was picky when researching banks.

Who was it?  I think he was picky about how it was run, who the bank was associated with, and things I never would have considered when choosing a bank. 

Jeff and I have accounts with BOA, and while we've had good experiences with them I know a lot of people haven't.  We're thinking about being proactive and leaving them before they can cause drama in our lives.  : )

 

 

Re: Someone's DH was picky when researching banks.

  • Oh, and probably the most important part is what bank did he choose? 

    Thanks!

  • i think it was neil!!!! i think he said key bank but im sure jeni will chime in shortly :)
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  • imagedaisygirl17:
    i think it was neil!!!! i think he said key bank but im sure jeni will chime in shortly :)

    It totally was...and Key Bank was one of the banks that didn't borrow bailout $$!


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  • Yep, it was Neil.  He wanted to find a bank that had ethical practices and good customer service.   He was turned off by everything that BofA, WF and the other larger banks were doing so he chose Key Bank. 

    He really likes them.  He also really likes that they greet him as Mr. LastName when he goes into the branch by our house.  Stick out tongue

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  • LMAO @ Mr. LastName.  : )  I don't know if that's important or not, but not taking bailout money is a pretty big deal. Thanks! 

  • I also will chime in about looking into credit unions! We were part of one in San Diego but need to join one up here...they have great customer service and are not profit driven so they tend to have lower rates, fees, etc.

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  • I second credit unions. They actually have been following many of the practices that are now being forced on big banks due to the financial crisis. I've also heard that because of their already-in-place practices, many of them have not suffered the way big banks have.  Not only that but going with a local credit union keeps your money local too. We have various accounts with OnPoint, Oregon Community and Unitus. All three are great. OnPoint is where we have all of our regular banking and they've been fantastic. They said they've seen a huge influx of new members as a result of people wanting to walk away from big banks. Just some food for thought.
  • Yeah I'm kinda curious why you guys want to use a bank, if you don't mind me asking. I've actually NEVER used a bank before...ever. Only credit unions! We've loved OnPoint since joining :) I'm curious why someone would chose a bank over a credit union in the first place? Maybe I'm sounding super dumb right now, but I'm just curious! hahaha
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  • imagedaisygirl17:
    Yeah I'm kinda curious why you guys want to use a bank, if you don't mind me asking. I've actually NEVER used a bank before...ever. Only credit unions! We've loved OnPoint since joining :) I'm curious why someone would chose a bank over a credit union in the first place? Maybe I'm sounding super dumb right now, but I'm just curious! hahaha
    Since DH travels often, and we have family all over the country, if makes sense for us to have our money in a national bank, rather than a CU.  And when we switched to Key, we could get better banking services than a CU offered because of our not-so-good credit at the time. 

    ADD: The whole reason he started researching banks was because we couldn't get a CU account.  Embarrassed 

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  • Just wanted to chime in a little love about OnPoint, we've been banking with them for 5+ years and love everything about them!
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    imagedaisygirl17:
    Yeah I'm kinda curious why you guys want to use a bank, if you don't mind me asking. I've actually NEVER used a bank before...ever. Only credit unions! We've loved OnPoint since joining :) I'm curious why someone would chose a bank over a credit union in the first place? Maybe I'm sounding super dumb right now, but I'm just curious! hahaha

    For us, WF had the best rates for our mortgage.  Also, DH travels so much with work that we need to have ATM access throughout WA, OR, and CA.  

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  • Aha I see! And financing a mortgage makes sense...we haven't had to do that...yet :)

    Just an FYI --- Credit Unions do shared banking ALL over the place! We still have our MI credit union open and there are tons of credit unions and atms we can go to for free out here. TONS. It just takes a couple of minutes to find a shared CU through your CU's website and you're good to go! The only annoying thing about it is that  check's take 2-3 days to clear. For this reason we wanted something local too, so we signed up for OnPoint.

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  • Oh, we have an OnPoint account already.  I just wanted to make sure we weren't missing out on anything.  I didn't know that CUs did shared banking.  That's part of the reason we were looking for a bank bank, since we also have family all over the darn place.
  • We did a ton of research when we left WaMu (before it became Chase) and ended up at Unitus.  We've been there over two years and couldn't be happier!  Part of the reason we left is that we couldn't get financing for H's scooter through a big bank.  We had the cash but wanted to finance to help build our credit and no one else would give it to us because we had so little credit history.  We went to Unitus and at first they turned us down, but when we explained that we have a privately held mortgage that isn't reported and could provide proof of paying as agreed on that, the guy at the CU called the underwriter and explained and we got approved.

     The other day, Citibank cancelled our credit card for no reason.  Apparently 8 years of no late payments and no balance means you can't handle it anymore Confused  Anyway, I called Unitus, explained, did the application over the phone.  I hung up with them at 11:30am and we were approved by 2pm.  Stopped at the branch on our way home from work and signed the paperwork and should have our new cards next week.

    They are just so much easier to work with.  Sorry, I know I'm preaching to the choir here, but I just wish someone had convinced us earlier that I get all excited and get on my soapbox no matter who is listening.  And yes, shared banking is great.  Unitus has 28,000 co-op ATMs across the US that are surcharge free, and loads of shared banking branches nationwide.  There's een 25 in South Bend, the podunk town where my family lives!

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