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jewels · 02-13-2008, 08:19 AM

I'm fed up with the credit union I've been with for over five years now. They're charging me $28 (I'm in their overdraft protection program) to avoid returned check fees and NSF fees. I totally don't get that when they took the money to cover the check from one of my three other linked accounts. Something similar happened a few months ago and I just fail to follow that logic and am ready to move on.

I have my "house" money in an ING (formerly with EmigrantDirect) account, so that's good.

I'm looking for a bank that won't take more than 3 days to get an online bill paid, that won't charge for ATM usage at certain ATMs, possibly one that offers a liquid hi-yield account and, very important for me, good customer service. I don't like talking to customer service people that are not allowed to know what happens with their money or mine.

I've been looking at BankOne, Bank of AMerica, Everbank, Wachovia, Netbank ... they all seem so similar and the only "reviews" are complaints, which can be found on anything, right? And Forbes thinks I've got $50K as a cushion.

So I'm asking for some help from you savvy people. What's your experience and who would you recommend that would meet most of my needs?

02-13-2008, 08:19 AM	#1 (permalink)
jewels Eponymous Location: Central Central Florida	Banking experiences I'm fed up with the credit union I've been with for over five years now. They're charging me $28 (I'm in their overdraft protection program) to avoid returned check fees and NSF fees. I totally don't get that when they took the money to cover the check from one of my three other linked accounts. Something similar happened a few months ago and I just fail to follow that logic and am ready to move on. I have my "house" money in an ING (formerly with EmigrantDirect) account, so that's good. I'm looking for a bank that won't take more than 3 days to get an online bill paid, that won't charge for ATM usage at certain ATMs, possibly one that offers a liquid hi-yield account and, very important for me, good customer service. I don't like talking to customer service people that are not allowed to know what happens with their money or mine. I've been looking at BankOne, Bank of AMerica, Everbank, Wachovia, Netbank ... they all seem so similar and the only "reviews" are complaints, which can be found on anything, right? And Forbes thinks I've got $50K as a cushion. So I'm asking for some help from you savvy people. What's your experience and who would you recommend that would meet most of my needs? __________________ We are always more anxious to be distinguished for a talent which we do not possess, than to be praised for the fifteen which we do possess. Mark Twain