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Old 11-03-2011, 11:07 AM   #21
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Regions did as well. I'm still considering switching to a credit union, but at least I won't be bleeding $8 a month while I think about it.
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Old 11-03-2011, 11:47 AM   #22
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Wal-Mart and other stores have became my ATMs. No "out of network" ATM fees. Wal-Mart is the easiest because you can drive up to the back door, park easily and go right into the automotive/sporting goods section, which is the only area I frequent, pick up what I need, get my cash back at checkout without paying $2.00 to the ATM owner and $1.50 to my bank.
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Old 11-03-2011, 11:57 AM   #23
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wal-mart lobbying is techincally what created the fee in the first place...
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Old 11-03-2011, 12:42 PM   #24
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wal-mart lobbying is techincally what created the fee in the first place...
Well then I'm WINNING
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Old 11-03-2011, 03:08 PM   #25
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no they are. because now they dont have to pay merchant fees to provide the service to you that you were already doing
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Old 11-05-2011, 04:10 PM   #26
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Old 11-07-2011, 03:39 PM   #27
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Why do so many of you hold multiple accounts at differnet banks? I have on chequing and one savings, both with the same bank along with a credit line and VISA. I was approved for a mortgage last year there as well, beating out any other banks I inquired at. I donīt see why you need to use more than one bank. Can someone elaborate?
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Old 11-07-2011, 03:48 PM   #28
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cause im a balla
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Old 11-07-2011, 05:11 PM   #29
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Quote:
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Why do so many of you hold multiple accounts at differnet banks? I have on chequing and one savings, both with the same bank along with a credit line and VISA. I was approved for a mortgage last year there as well, beating out any other banks I inquired at. I donīt see why you need to use more than one bank. Can someone elaborate?
Well, I went with bank A for checking because they have ATMs everywhere. Their rate on savings accounts was crap so I got a savings account with Bank B. This was years ago when you could still get paid some reasonable interest on your savings, instead of this 0.25% BS you see today, so it was totally worth the minor hassle of setting that up. Neither Bank A or B, with whom I had several years of established relationships, would give me a fixed mortgage rate that resembled anything competitive, so our mortgage is through Bank C. My Visa card is run by Bank A, but that's only because Bank A bought out the bank that ran that card when I initially got it. For points or cash back I use my Amex or the Discover that I married into, which aren't related to Banks A, B, or C (at least not closely related) and neither are my retirement accounts.

I could have kept all my finances with Bank A, but it would have meant getting hosed on savings interest and poz-raped over the life of a 30-year mortgage. I value $thousands over any "convenience" factor that may exist with using only one bank. With online bill paying I only have to log in to one site anyway to pay all my bills; other than the fact that I have to pay them the process itself is not inconvenient.
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Old 11-07-2011, 09:33 PM   #30
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Why do so many of you hold multiple accounts at differnet banks?
Braineack and Rick can't keep all there Membership loot in just one account.
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Old 11-10-2011, 10:22 AM   #31
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I have
Bank A for my money and rewards card, and is everywhere for ATM's
Bank B for Grad school money I saved up so that I would not waste, and that had a high % interested at the time
and bank C my credit union that gives me better rates on loans, not that I get them but still.
and bank D my first CC came through them. Dont use them though just keep it open to keep it open.
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