Thinking about opening a new bank account..

[lxskllr]

Credit Unions are great for savings and loans verses bigger banks. I use USBANK for my primary checking account because of the reserve line of credit. So, if you run out of money they just throw a couple of hundred in your account. It use to be FREE but since the economic collapse they charge $10. Pretty BS in my opinion but I dont believe any credit union is going to give you a reserve line which in my case comes in handy quite a bit.

My old credit union would do that. They'd transfer money in $50 increments from your credit card. I think they may have charged $5 for that service, but I can't remember.

[truthwolf1]

My old credit union would do that. They'd transfer money in $50 increments from your credit card. I think they may have charged $5 for that service, but I can't remember.

The union I go to is not that advanced yet but they are great for savings plans and loans.
If they do ever get to offering a reserve/checking I would make the switch without hesitation.

[sgreger1]

Absolutely credit union only. But get a good one. Most credit unions now will let you use any ATM and will refund the $2 charge so I just go to 7-11 if I need money. If I need to deposit a check I just take a picture of it with my phone and it deposits into my account. Credit unions are infinitely better than banks,and you get better loans from them and often times other things like better car insurance etc.

[Froofather]

I use chase. Used em for years. Havent had anyproblems but I also know the ppl at my local branch. I work in customer service and i know how to talk to ppl. Basically if your nice and dont get angry with the actual employee they can usually help you out alot. I have had a couple overdraft fees but they were cleared up. Basically it was my fault for not keeping track of spending. They reversed the fees all 3 times it happened. Lol. Also, free debit card. Free checking account. Free savings account. My savings account stays open unless it stays empty for 6 months.

[EricHill78]

I use chase. Used em for years. Havent had anyproblems but I also know the ppl at my local branch. I work in customer service and i know how to talk to ppl. Basically if your nice and dont get angry with the actual employee they can usually help you out alot. I have had a couple overdraft fees but they were cleared up. Basically it was my fault for not keeping track of spending. They reversed the fees all 3 times it happened. Lol. Also, free debit card. Free checking account. Free savings account. My savings account stays open unless it stays empty for 6 months.

I read on there tho if you don't have direct deposit you have to at least have 1,500 in checking thats nuts ha.