popular banks like Bank of America?

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GSWarriors- 05/21/17 12:16:20 AM #1:	I got enough money to put whatever BoA's minimum is for an account to not get fees. What other cons are there about big banks? Why should I use credit unions over BoA? I have a gut feeling, without doing ANY research, that credit unions are like small businesses and if something happens like fraud, they won't do much about it. Everytime I had a problem with something involving a bank, my problem is taken care if either through phone or in person in a bank. Any other info that would be helpful would be great. <cite>GSWarriors- posted [p:879506203] in Is a credi... [t:75369378]...</cite> <quote>I got enough money to put whatever BoA's minimum is for an account to not get fees. What other cons are there about big banks? Why should I use credit unions over BoA? I have a gut feeling, without doing ANY research, that credit unions are like small businesses and if something happens like fraud, they won't do much about it. Everytime I had a problem with something involving a bank, my problem is taken care if either through phone or in person in a bank. Any other info that would be helpful would be great.</quote> ... Copied to Clipboard!
Paragon21XX 05/21/17 6:48:48 PM #2:	GSWarriors- posted... I have a gut feeling, without doing ANY research, that credit unions are like small businesses and if something happens like fraud, they won't do much about it. Nobody in their right mind would use a credit union if they did a worse job than large banks at taking care of your money. On average, a credit union should provide equal or superior service to banks, but it helps to ask people around you that use credit unions if they would recommend theirs to another person and why. --- Hmm... <cite>Paragon21XX posted [p:879546014] in Is a credi... [t:75369378]...</cite> <quote><cite>GSWarriors- posted...</cite> <quote> I have a gut feeling, without doing ANY research, that credit unions are like small businesses and if something happens like fraud, they won't do much about it.</quote> Nobody in their right mind would use a credit union if they did a worse job than large banks at taking care of your money. On average, a credit union should provide equal or superior service to banks, but it helps to ask people around you that use credit unions if they would recommend theirs to another person and why.</quote> ... Copied to Clipboard!
Akagami_Shanks 05/21/17 6:50:50 PM #3:	the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone. --- The arcana is the means by which all is revealed...The silent voice within one's heart whispers the most profound wisdom <cite>Akagami_Shanks posted [p:879546119] in Is a credi... [t:75369378]...</cite> <quote>the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone.</quote> ... Copied to Clipboard!
gamepimp12 05/21/17 6:51:13 PM #4:	If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed --- we rich now but used to be slaves,we pushing whips now we used to be whipped,rockin chains when we used to be in 'em <cite>gamepimp12 posted [p:879546135] in Is a credi... [t:75369378]...</cite> <quote>If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed</quote> ... Copied to Clipboard!
ASithLord7 05/21/17 6:51:32 PM #5:	For what? General checking? Probably. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:879546156] in Is a credi... [t:75369378]...</cite> <quote>For what? General checking? Probably.</quote> ... Copied to Clipboard!
ASithLord7 05/21/17 6:51:55 PM #6:	gamepimp12 posted... If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed Tbf if you travel you should just be using credit or cash anyways. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:879546169] in Is a credi... [t:75369378]...</cite> <quote><cite>gamepimp12 posted...</cite> <quote>If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed</quote> Tbf if you travel you should just be using credit or cash anyways.</quote> ... Copied to Clipboard!
gamepimp12 05/21/17 6:55:50 PM #7:	ASithLord7 posted... gamepimp12 posted... If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed Tbf if you travel you should just be using credit or cash anyways. Meh I wouldn't want to carry cash while I'm traveling though I'd like to use cash for things. I agree credits probably bests though I'd supplement with a debit card that I can withdraw from frequently without fees --- we rich now but used to be slaves,we pushing whips now we used to be whipped,rockin chains when we used to be in 'em <cite>gamepimp12 posted [p:879546379] in Is a credi... [t:75369378]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote><cite>gamepimp12 posted...</cite> <quote>If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed</quote> Tbf if you travel you should just be using credit or cash anyways.</quote> Meh I wouldn't want to carry cash while I'm traveling though I'd like to use cash for things. I agree credits probably bests though I'd supplement with a debit card that I can withdraw from frequently without fees</quote> ... Copied to Clipboard!
joe40001 05/21/17 6:57:00 PM #8:	I really don't want to support the cynical shit that fucks up the country that the big banks do though. --- "joe is attractive and quite the brilliant poster" - Seiichi Omori http://i.imgur.com/TheGsZ9.gif <cite>joe40001 posted [p:879546433] in Is a credi... [t:75369378]...</cite> <quote>I really don't want to support the cynical shit that fucks up the country that the big banks do though.</quote> ... Copied to Clipboard!
Gravityfare 05/21/17 6:57:23 PM #9:	I've had Bank of America since 2009 and they've pretty much always refunded fees when I call. They've returned a $41 payment a few months ago when I called them from a website I didn't know about. They have ATM's everywhere. I plan on staying with BoA. --- No time to freeze undercovers ease up in Grand Prix, and seize packages and pocket the currency. <cite>Gravityfare posted [p:879546453] in Is a credi... [t:75369378]...</cite> <quote>I've had Bank of America since 2009 and they've pretty much always refunded fees when I call. They've returned a $41 payment a few months ago when I called them from a website I didn't know about. They have ATM's everywhere. I plan on staying with BoA.</quote> ... Copied to Clipboard!
Xelltrix 05/21/17 6:57:28 PM #10:	No ATM fees, you can withdraw from any other union, they're just as protected as any other bank... They have pretty terrible interests rates, though. I still prefer them. --- Reading this post may induce one or more of the following: Nausea / Butt-Hurt / Lulz / UM? Syndrome / Angst / Diarrhea <cite>Xelltrix posted [p:879546457] in Is a credi... [t:75369378]...</cite> <quote>No ATM fees, you can withdraw from any other union, they're just as protected as any other bank... They have pretty terrible interests rates, though. I still prefer them.</quote> ... Copied to Clipboard!
ASithLord7 05/21/17 6:58:10 PM #11:	gamepimp12 posted... ASithLord7 posted... gamepimp12 posted... If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed Tbf if you travel you should just be using credit or cash anyways. Meh I wouldn't want to carry cash while I'm traveling though I'd like to use cash for things. I agree credits probably bests though I'd supplement with a debit card that I can withdraw from frequently without fees Just depends where you're traveling. In the US nah there's no need, but in some countries or cities you're not gonna get anywhere with a card. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:879546484] in Is a credi... [t:75369378]...</cite> <quote><cite>gamepimp12 posted...</cite> <quote><cite>ASithLord7 posted...</cite> <quote><cite>gamepimp12 posted...</cite> <quote>If you travel a lot a big bank is probably better Ideally you should have both and swap money between the two as needed</quote> Tbf if you travel you should just be using credit or cash anyways.</quote> Meh I wouldn't want to carry cash while I'm traveling though I'd like to use cash for things. I agree credits probably bests though I'd supplement with a debit card that I can withdraw from frequently without fees</quote> Just depends where you're traveling. In the US nah there's no need, but in some countries or cities you're not gonna get anywhere with a card.</quote> ... Copied to Clipboard!
Paragon21XX 05/21/17 7:05:09 PM #12:	Akagami_Shanks posted... the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone. Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs ~~or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.~~ --- Hmm... <cite>Paragon21XX posted [p:879546817] in Is a credi... [t:75369378]...</cite> <quote><cite>Akagami_Shanks posted...</cite> <quote>the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone.</quote> Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.</quote> ... Copied to Clipboard!
ASithLord7 05/21/17 7:05:46 PM #13:	Paragon21XX posted... Akagami_Shanks posted... the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone. Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs ~~or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.~~ dons le tinfoil --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:879546846] in Is a credi... [t:75369378]...</cite> <quote><cite>Paragon21XX posted...</cite> <quote><cite>Akagami_Shanks posted...</cite> <quote>the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone.</quote> Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.</quote> dons le tinfoil</quote> ... Copied to Clipboard!
Paragon21XX 05/21/17 7:08:35 PM #14:	ASithLord7 posted... dons le tinfoil And here's someone who needs "/s" to be added to posts. --- Hmm... <cite>Paragon21XX posted [p:879546975] in Is a credi... [t:75369378]...</cite> <quote><cite>ASithLord7 posted...</cite> <quote> dons le tinfoil</quote> And here's someone who needs "/s" to be added to posts.</quote> ... Copied to Clipboard!
Akagami_Shanks 05/21/17 7:09:32 PM #15:	Paragon21XX posted... Akagami_Shanks posted... the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone. Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs ~~or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.~~ I have Rutgers and Middlesex County Credit Union, I was pretty much forced into the Middlesex one by my mom so she could have my bill money transferred to her account, I don't know what the problem was with just handing her the cash but I'll be looking into a better option --- The arcana is the means by which all is revealed...The silent voice within one's heart whispers the most profound wisdom <cite>Akagami_Shanks posted [p:879547024] in Is a credi... [t:75369378]...</cite> <quote><cite>Paragon21XX posted...</cite> <quote><cite>Akagami_Shanks posted...</cite> <quote>the credit union I just joined is pure garbage Made me wait 10 full calendar days for a card, that I can't even use because they didn't send me a PIN, and of course they're only open from 8:30 to 3PM M-F when any adult that can even register for it is at work, so you either have to take time off or use your whole lunch hour just to go to the damn bank. I'm gonna close this account and just stick to my bank. I can't even call because again, they're open at the same time we open, and close a full hour and 30 minutes before the state offices close, so if I could call, I'd have to do it on one of my breaks or lunch breaks. But I guess that's why they say this credit union is good for saving money, because you'll never get to it. I don't even know if they sent me a real debit card or not but I'm going to raise hell on Monday over the phone.</quote> Here's an example of someone that didn't do a lick of research into their available local credit unions to see which one best fits their needs or works for one of the large banks bleeding customers to a good credit union and has been given the task of slandering credit unions when people ask about them.</quote> I have Rutgers and Middlesex County Credit Union, I was pretty much forced into the Middlesex one by my mom so she could have my bill money transferred to her account, I don't know what the problem was with just handing her the cash but I'll be looking into a better option</quote> ... Copied to Clipboard!
YookaLaylee 05/21/17 7:09:45 PM #16:	Chase is the best bank --- https://media.giphy.com/media/26gsuNHaqCPgziZYA/giphy.gif <cite>YookaLaylee posted [p:879547035] in Is a credi... [t:75369378]...</cite> <quote>Chase is the best bank</quote> ... Copied to Clipboard!
Butterfiles 05/21/17 7:12:41 PM #17:	Xelltrix posted... They have pretty terrible interests rates, though. My credit union has 1.05% on my savings, find me a big bank with that rate --- http://www.last.fm/user/PigBun 56k warning <cite>Butterfiles posted [p:879547194] in Is a credi... [t:75369378]...</cite> <quote><cite>Xelltrix posted...</cite> <quote> They have pretty terrible interests rates, though. </quote> My credit union has 1.05% on my savings, find me a big bank with that rate</quote> ... Copied to Clipboard!
Anteaterking 05/21/17 7:15:03 PM #18:	What are the advantages to you of having a big bank over a credit union? --- http://i18.photobucket.com/albums/b136/Anteaterking/scan00021.jpg http://i18.photobucket.com/albums/b136/Anteaterking/scan00021.jpg <cite>Anteaterking posted [p:879547313] in Is a credi... [t:75369378]...</cite> <quote>What are the advantages to you of having a big bank over a credit union?</quote> ... Copied to Clipboard!
Crazyman93 05/21/17 7:20:28 PM #19:	Akagami_Shanks posted... can't even use because they didn't send me a PIN You just explained a lot about some of the demented old people I've had to deal with at work. --- let's lubricate friction material! ~nickels, Cars & Trucks <cite>Crazyman93 posted [p:879547551] in Is a credi... [t:75369378]...</cite> <quote><cite>Akagami_Shanks posted...</cite> <quote> can't even use because they didn't send me a PIN</quote> You just explained a lot about some of the demented old people I've had to deal with at work.</quote> ... Copied to Clipboard!
Akagami_Shanks 05/21/17 7:22:06 PM #20:	Crazyman93 posted... Akagami_Shanks posted... can't even use because they didn't send me a PIN You just explained a lot about some of the demented old people I've had to deal with at work. ?? I really can't use this card lol tried the 4 digits on the paper (they don't say PIN but still) tried entering a random PIN tried the last 4 of my social all no good --- The arcana is the means by which all is revealed...The silent voice within one's heart whispers the most profound wisdom <cite>Akagami_Shanks posted [p:879547629] in Is a credi... [t:75369378]...</cite> <quote><cite>Crazyman93 posted...</cite> <quote><cite>Akagami_Shanks posted...</cite> <quote> can't even use because they didn't send me a PIN</quote> You just explained a lot about some of the demented old people I've had to deal with at work.</quote> ?? I really can't use this card lol tried the 4 digits on the paper (they don't say PIN but still) tried entering a random PIN tried the last 4 of my social all no good</quote> ... Copied to Clipboard!
Xelltrix 05/21/17 7:25:13 PM #21:	Butterfiles posted... Xelltrix posted... They have pretty terrible interests rates, though. My credit union has 1.05% on my savings, find me a big bank with that rate I just checked, guess I got it backwards. Credit Unions generally have higher interest rates. Guess my credit union just sucks for interest. --- Reading this post may induce one or more of the following: Nausea / Butt-Hurt / Lulz / UM? Syndrome / Angst / Diarrhea <cite>Xelltrix posted [p:879547795] in Is a credi... [t:75369378]...</cite> <quote><cite>Butterfiles posted...</cite> <quote><cite>Xelltrix posted...</cite> <quote> They have pretty terrible interests rates, though. </quote> My credit union has 1.05% on my savings, find me a big bank with that rate</quote> I just checked, guess I got it backwards. Credit Unions generally have higher interest rates. Guess my credit union just sucks for interest.</quote> ... Copied to Clipboard!
Gravityfare 05/21/17 7:28:58 PM #22:	Anteaterking posted... What are the advantages to you of having a big bank over a credit union? Money Market Savings 20% Interest Rate Booster Footnote1 on a Rewards Money Market Savings account +Show more information about Money Market Savings Credit Card 75% Rewards Bonus Footnote2 on eligible Bank of America credit cards +Show more information about Credit Card ATM Transactions Unlimited No-fee transactions at non-Bank of America ATMs Automated Teller Machines Footnote3 +Show more information about ATM Transactions Merrill Edge® Online Investing $0 Equity and ETF Trades Footnote4 Up to 100 per month ♦ Other fees may apply +Show more information about Merrill Edge® Online Investing Client Service Priority +Show more information about Client Service Mortgage $600 Reduction in the Origination Fee Footnote6 on a new purchase or refinance mortgage +Show more information about Mortgage Auto Loan 0.50% Interest Rate Discount Footnote7 +Show more information about Auto Loan Select Banking Services No Fees Footnote8 --- No time to freeze undercovers ease up in Grand Prix, and seize packages and pocket the currency. <cite>Gravityfare posted [p:879548000] in Is a credi... [t:75369378]...</cite> <quote><cite>Anteaterking posted...</cite> <quote>What are the advantages to you of having a big bank over a credit union?</quote> Money Market Savings 20% Interest Rate Booster Footnote1 on a Rewards Money Market Savings account +Show more information about Money Market Savings Credit Card 75% Rewards Bonus Footnote2 on eligible Bank of America credit cards +Show more information about Credit Card ATM Transactions Unlimited No-fee transactions at non-Bank of America ATMs Automated Teller Machines Footnote3 +Show more information about ATM Transactions Merrill Edge® Online Investing $0 Equity and ETF Trades Footnote4 Up to 100 per month ♦ Other fees may apply +Show more information about Merrill Edge® Online Investing Client Service Priority +Show more information about Client Service Mortgage $600 Reduction in the Origination Fee Footnote6 on a new purchase or refinance mortgage +Show more information about Mortgage Auto Loan 0.50% Interest Rate Discount Footnote7 +Show more information about Auto Loan Select Banking Services No Fees Footnote8</quote> ... Copied to Clipboard!
ASithLord7 05/21/17 7:53:42 PM #23:	You shouldn't be using a savings account for long-term saving. --- http://i.imgur.com/VZeCB.gif RebelElite791 <cite>ASithLord7 posted [p:879549260] in Is a credi... [t:75369378]...</cite> <quote>You shouldn't be using a savings account for long-term saving.</quote> ... Copied to Clipboard!
chill02 05/21/17 7:55:17 PM #24:	Gravityfare posted... that --- Ave, true to Caesar. <cite>chill02 posted [p:879549357] in Is a credi... [t:75369378]...</cite> <quote><cite>Gravityfare posted...</cite> that</quote> ... Copied to Clipboard!
Gravityfare 05/21/17 8:24:55 PM #25:	If you are in the stock market, $0 commission fee trades essentially indefinitely is pretty sweet. --- No time to freeze undercovers ease up in Grand Prix, and seize packages and pocket the currency. <cite>Gravityfare posted [p:879551009] in Is a credi... [t:75369378]...</cite> <quote>If you are in the stock market, $0 commission fee trades essentially indefinitely is pretty sweet.</quote> ... Copied to Clipboard!
voldothegr8 05/21/17 8:29:41 PM #26:	My credit union is awesome, so many perks! Free change machine, $5 overdraft, waived foreign ATM fees 5 times a month to name a few. --- Oda break tracker 2017- 4 (2) Super Mario Maker Profile: 1237-0000-0073-02FE <cite>voldothegr8 posted [p:879551312] in Is a credi... [t:75369378]...</cite> <quote>My credit union is awesome, so many perks! Free change machine, $5 overdraft, waived foreign ATM fees 5 times a month to name a few.</quote> ... Copied to Clipboard!
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Current Events > Is a credit union truly better than big/popular banks like Bank of America? (+) Yeah! (+)

Current Events > Is a credit union truly better than big/popular banks like Bank of America?