banks

Banks & Credit Unions

Our database contains information, ratings, and reviews for 13,925 banking institutions in the U.S., including credit unions as well as local, national, and online banks. The entire gamut is represented here, from small co-operatives with a community focus to the institutional titans that have branches across the nation.
To find the bank or credit union that’s right for you, use the filters below to quickly sort and compare banks based on your most important needs. While you’re at more
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1st Bank
  • Description 1st Bank is a locally owned, full service community bank located in Evanston, WY. It is a division of Glacier Bank, headquartered in Kalispell which is the largest bank in the state … more
  • Products Car Loans, Checking, Home Equity, Mortgages, Personal Loans, Savings & CDs
Arrowpointe Federal Credit Union
  • Description Arrowpointe Federal Credit Union is a Federal Credit Union with 4 branches , assets of 115156948 and headquarters in Catawba, SC. Membership is open to anyone who lives, works, worships, or attends … more
  • Products Car Loans, Checking, Credit Cards, Home Equity, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs, Student Loans
  • Telephone 803-324-1124
Bank of America
  • Description Bank of America is one of the world's largest financial institutions, serving individual consumers, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other … more
  • Products Business Services, Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Savings & CDs
Chase
  • Description JPMorgan Chase (NYSE: JPM) is one of the oldest financial institutions in the United States. With a history dating back over 200 years, here's where we stand today: We are a leading … more
  • Products Car Loans, Checking, Credit Cards, Mortgages, Prepaid Cards, Savings & CDs, Student Loans
Wells Fargo
  • Description We want to satisfy all our customers financial needs and help them succeed financially. The merger of Wells Fargo and Wachovia doubled our size. We're no longer defined as just a regional … more
  • Products Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs, Student Loans
Capital One
  • Description Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small businesses and commercial clients. A Fortune 500 company, Capital One has one of … more
  • Products Car Loans, Checking, Credit Cards, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs
PNC Bank
PNC
  • Description With more than $290 billion in assets, PNC is one of the largest financial services companies in the country. They provide everything from personal banking services to wealth management, business banking and corporate … more
  • Products Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs, Student Loans
U.S. Bank
  • Description U.S. Bancorp (NYSE: USB), with $321 billion in assets, is the parent company of U.S. Bank, the 5th largest commercial bank in the United States. The company operates 3,086 banking offices and … more
  • Products Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs, Student Loans
Navy Federal Credit Union
  • Description Navy Federal Credit Union is a Federal Credit Union with 191 branches, assets of $48,021,742,375 that is headquartered in Vienna, VA. Since 1933, Navy Federal has grown from seven members to over … more
  • Products Business Services, Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs
TD Bank
  • Description TD Bank, America's Most Convenient Bank is one of the 15 largest commercial banks in the U.S., with more than 22,000 employees and deep roots in the community dating back more than … more
  • Products Business Services, Car Loans, Checking, Credit Cards, Home Equity, Investments, Mortgages, Personal Loans, Prepaid Cards, Savings & CDs
Ask our Experts
EXPERT’S ANSWERS

How Do Banks Work?

By: John Kiernan The manner in which banks operate might seem like a rather basic topic, but given how complex financial markets have become in recent years, it’s helpful to revisit the fundamental simplicity of the industry.



Having money exactly when you need to it—and earning income on it when you don’t—is a problem as old as money itself. Banks exist to solve that problem, and have served as an intermediary between savers and borrowers since the Italian Renaissance, the Crusades, or even earlier, depending on which historians you consult.



More specifically, banks lend the funds deposited into savings accounts and certificates of deposit (CDs) to other customers, who repay the money with interest over time. Depositors entrust their money to banks for two reasons: 1) banks offer safe-keeping, borne from FDIC insurance; and 2) banks pay interest on deposits, allowing funds to grow over time. Banks, in turn, make money, by charging a higher rate of interest on their loans than what they pay on deposits. Banks can have other sources of revenue as well, including investments, fees on various services, and commissions on the sale of financial products such as mutual funds and insurance.



In addition to serving as a vector for borrowing and lending, banks play a central role in a number of other financial mechanisms. For example, banks process payments between buyers and sellers and they exchange foreign currencies. Banks also carry out governmental monetary policy by increasing or decreasing the amount of money they keep in reserve.

How Do I Choose a Bank?

By: Odysseas Papadimitriou When it comes to selecting a bank, the options can be overwhelming. In past generations, it was common to choose whichever institution was to your home or office, or to be lured in by special prizes such as a free toaster. These days, you might just as easily do business with a bank that’s located across the country or with an online-only bank that has no branch offices at all. Special offers also are less likely to be small kitchen appliances and more likely to be perks such as free checking, introductory interest rates, or a lump of cash to jumpstart your savings account.



But before you jump on the bank with the biggest name or the flashiest offers, take some time to identify how you’re most likely to use your account and which features are most important to you.



Do you need a brick-and-mortar location? You may find yourself in need of a safe-deposit box. Or if questions arise, you may be the kind of person who is most comfortable with face-to-face communication. If you need access to a real building staffed by live people, prioritize your bank’s location and hours.



Bankers’ hours are notoriously short, and if your workday overlaps them completely, you might want to choose a bank that’s close to your office rather than your home, so that you can slip in at lunchtime. Or you might want to look for a bank with better hours.



Are you a technophile? You may find access to better interest rates and fee structures by opting for an online-only bank or bank account. By the same token, you may be able to minimize fees by opting for paperless statements, keeping tabs on your account balance electronically, and using mobile apps to locate ATMs that are within your network.



These are great opportunities, and you should take advantage of banks that offer them…if you are likely to use them. If your inbox is full of unread email notifications and your phone is loaded with unused apps, it helps to be realistic. Read through the fine print, understand the fees and penalties, and decide whether they work for your lifestyle.



Do you travel abroad extensively? International financial transactions have never been easier or less labor-intensive. And while most banks charge special fees for international debit card transactions and ATM withdrawals, others have been able to pass the savings along to their customers.



If you’re a frequent international traveler, it definitely pays to open one of the various no foreign transaction fee credit cards that are on the market.  Not only will this enable you to avoid the industry-standard 3% international surcharge, but you’ll also save a lot of money on currency conversion since Visa and MasterCard offer much better rates than bank branches or airport kiosks.  You should also look into getting a checking account that charges for neither international debit card use, nor foreign ATM withdrawals.



Is a sense of responsibility to the community important to you when it comes to banking? Since the global financial crisis of 2008, the reputation of many banks has suffered a black eye. But the banking industry is not a monolithic entity. Many consumers who are concerned about issues like local development, fair lending, and executive salaries have turned to small community and cooperative banks as well as credit unions for their banking needs.



These institutions may be less likely to offer all the bells and whistles of their larger cousins, but their mission is to provide the immediate community with the best products and services possible.  They’re worth a look at the very least.

What Does It Mean to Be FDIC Insured?

By: John Kiernan If your bank is FDIC insured, any money you put into a deposit account, along with any earned interest, will be returned to you, even if your bank fails. There are limits, of course. Insurance coverage tops out at $250,000 per depositor, per institution—not per account, as some people assume. That means if you have $125,000 in a money market account and another $125,000 in a CD at the same bank, you’ll want to open a new account at a different bank before depositing any more money in order to make everything is insured.



It’s important to note that FDIC insurance covers deposit accounts only, that is, checking, savings, CDs, and money market accounts. Other investment vehicles that banks sometimes provide, such as annuities, life insurance, and mutual funds (including money market funds), are not insured.



Most banks and thrifts (also known as savings and loan institutions), are FDIC insured, but a few are not. By law, those that are must display the FDIC logo prominently on the bank premises and in written materials. If you don’t see the logo, or if you have any doubts, ask about coverage. Credit unions are not covered by the FDIC, but they do have an insurance program of their own, sponsored by the National Credit Union Administration (NCUA).  As is the case with banks, this provides coverage for up to $250,000 per depositor, per institution.



The FDIC, which stands for the Federal Deposit Insurance Corporation, was founded by the U.S. government in 1933 in response to the widespread bank failures of the Great Depression. FDIC insurance is deemed necessary because bank failures can initiate a devastating domino effect involving consumers, commerce, other banks, and the overall economy. And one of the hard lessons of the 1920s and 1930s was that even healthy banks can fail when skittish customers withdraw all their deposits en masse. Deposit insurance gives depositors the assurance necessary to keep their money in the bank, even in the face of frightening economic and financial news. In that way, it protects not only the consumer, but also the banks and the economy.
COMMUNITY DISCUSSION

Help others find the best banking institutions by sharing what your deciding factor was when choosing your banking institution

 
October 1, 2014
Photo of rwilliams_2010
rwilliams_2010
I have used USAA Federal Savings Bank for the last 8 years. I have had other banking accounts over the years, but none that I have liked as much as USAA. Whenever I call them, they are always friendly and helpful. There have been times that I made mistakes in my checking, causing the dreaded $29.00 overdraft fee, but a simple phone call with explanation has always been enough to get the charges reversed, which means I don't often have to worry about extra money leaving my account for fees and such.
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September 17, 2014
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clombard1973
I have an account with TDBank North. I am very unhappy with them My account was somehow compromised and money was taken and used without my knowledge. They said it was used with an ATM card but I have the card. I have the card though so the bank is telling me they will not refund the money taken without doing a complete investigation. I understand they need to investigate but I have been a customer for maybe 10 years without any previous issues. They should return the disputed funds until/unless they can find no evidence of a theft. Even then if that happens that would be bad for me because the money really was taken. I would recommend another bank.
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September 9, 2014
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samantha_chauvinmckee
I bank with Chase Manhattan, just Chase to most and I have to say that every time I go in they are nice, the wait is never very long and the place is always clean. One time I needed $150 in gold dollars for a fundraiser and I went in and they said that most branches usually only have about $50 unless you order them in advance. Well, I didn't have that kind of time. I didn't think I would have to order them. So I told the gal I would just drive to a few banks. She told me to wait while she made a couple calls. When she came back about 5minutes later she said she called the bank next door (an independent credit union) and that they had what I needed and someone would bring them right over! Within 10 minutes I was out the door and didn't have to drive all over town! They always go the extra mile when I need them to. Plus hardly any fees and a good interest rate...all the boring things..haha..makes this a great bank I will stay with for years and years!
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September 9, 2014
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becajml
I set up an account with TotalBank and they handle my mortgage. I must say that they are an excellent bank and whenever I enter my local branch I am always greeted upon entering and the staff is always helpful and polite. I have not had any problems with them and I have been with them for about a year now. If I have any questions I know that I can simply call them and the problem or question will be solved or addressed. I highly recommend TotalBank, they really are a great company.
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August 27, 2014
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bnsajcgmc
I have been with Belco for the last 2 years, I have to say that I am highly impressed with their professionalism with all that they do. I get the best rates from them and they are always there to answer any questions I may have. It's really hard to find a good bank/credit union that is there for the people and not just in to make money. I am glad that I have finally found a bank that I can trust and never have to worry about.
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August 14, 2014
Photo of Alyona1
Alyona1
I have been banking with one local credit union in San Antonio - Generations FCU - since 2003. It has expanded and acquired more branches since the time I opened my accounts with them. I definitely like their interest rates on loans and very straight-forward membership fees and policies. Overdraft and other account fees are way cheaper than in major banks. My account is free, because I have a direct deposit. The new location is very close to my house. I was able to get several car loans through them at a very low rate and still have a line of credit.
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August 14, 2014
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billybarule
Re: Wells Fargo, when I used their ATM for the first time I was charged a fee that I never agreed to. They referred to it as a "inquirer fee." This was in addition to a $3 fee that I did agreed to. This put my account into the negative. I discussed this with the bank and showed them my receipt which did state that I did not agree to the charge. After a call with the bank manager it was agreed that this was an unintentional mix-up an overdraft was not charged. At least they made it right.
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August 6, 2014
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maribonpr
I have had an Capital One 360 account for about 6 months and I can honestly say I have never been so pleased with a bank before. For those of you who don't know, CO 360 is an online-based banking experience. I moved to the middle of nowhere, Tennessee where there are mostly Credit Unions and very few big banks, so I decided to open a CO 360 account. You can deposit checks just by taking a picture of them with your phone; you can do Person2Person transfers and if the receiver also has Capital One the transfer is instant (Example: I told my roommate to get us Taco Bell on the way home and transferred $15 to her, which she received immediately). They also give you the option of opening as many savings accounts as you'd like, and even have an automatic-savings plan where you choose how much to put in each savings account every month. Whenever I call the bank for any questions or assistance, a customer service representative answers IMMEDIATELY. No confusing and misleading menus! I recommend it to everyone. Did I mention there's no annual fees or minimums?
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August 6, 2014
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panther0418
The Bancorp Bank has been a very good institution for me. For many, many years their customer service dept. has been helpful when it comes to assisting in any and every given situation that I've ever had concerning my accounts. I am new to the game of being an Entrepreneur and they have been very informative on a need to know basis. I never knew that the average monthly amount of deposits that could be made per month is 20. They were kind and patient enough to explain to me in every detail what was needed to know for a better understanding of how things work within the system. Bancorp is an excellent bank.
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July 31, 2014
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maribonpr
When I lived in New York I was drawn to TD Bank for their flexible hours (closed at 7pm, open on Sundays). That worked great for a while until my student privileges expired. They would charge me $5 if I didn't have a minimum of $50 in the account. There were also no TD Banks or ATMs in the Brooklyn area, and they would charge you $2 if you withdrew money at a non-TD Bank ATM. In the end I realized this bank was established for rich, Wall Street people and closed my account.
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July 25, 2014
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vickieb7884
I have a Bank Account with Fifth Third Bank. I absolutely love this bank. The only downfall was the opening deposit amount of $50 because I was just getting back on my feet. At the time I opened my account with them, I had terrible credit due to a separation that I had recently went through. I was trying to get my life back in order and I was denied an account by almost every bank. Fifth Third Bank offered me a second chance with their second chance checking. I opened my second chance checking account and began to use it wisely. After six months of continuous responsible checking with Fifth Third Bank they helped me get approved for a small personal loan to help rebuild my credit. They also offer an identity Theft program that is a great tool to alert you when something looks suspicious. I love Fifth Third Bank!
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July 11, 2014
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Brandyc
I had a Bank account with Huntington some time back and at first things seemed all on the up and up, Then Their was a problem with a transfer. I tried to call customer service and was on hold for at least 30-45 minutes and then finally got threw the person on the other end was extremely rude and said they were transferring me to another department. The customer service person failed to mention before transferring me that that department was not even open. Very frustrating and I didn't want to have to wait another 45 minutes on hold again. So anyone who don't like to wait and anyone who don't make $100,000 or more a year should not bank with Huntington.
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June 23, 2014
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tuckertl
I had a checking account with Huntington Bank for three years. My account was always in good standing. Then, I had some money problems and was unable to make a deposit before the check when through. I was a day late. I spoke with the manager about waving the NSF fee since it was my first time and I was a valued customer. She politely said no. Therefore, I not only had that check bounce, but another check bounced as well. I had to pay two NSF fees and was unable to cover my bills because of it. I don't recommend Huntington Bank to anyone.
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June 20, 2014
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evaad
I have been with ING Direct for more than three years and I am absolutely satisfied.When my credit card was stolen from me a month ago or when I lost a check once, their customer service was great. They issued me a new card within a week and helped with the check too. I really had a feeling that they really care about people they work for.
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May 26, 2014
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nishant89
I've had a bank account in Idaho central credit union bank since last year. The main issue with the bank is the hidden charges which they never tell you about while you are opening an account with them.For transactions that you do overseas they are going to charge $5 as processing fees which other reputed banks are not. Also if for 3 months you don't deposit any money they are going to charge you for that.In my opinion this information should be given to customers prior to opening the account.
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May 26, 2014
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lauranellll
I switched to Huntington bank this year because it does not hassle me with service fees, and it is close to the university I will be attending. I love how Huntington is open every day of the week. It is convenient for people who work during the week and can only make it to the bank on the weekend. Overall I am satisfied with this service. My biggest issue is that checks take several days to clear and the bankers can be a bit pushy when they are trying to sell the bank's credit card. For instance, when I walked into the bank the first time after opening an account, the banker I worked with skipped hellos and immediately asked if I was still considering the credit card even though I told him no last time. Usually the staff is friendly and takes care of my needs quickly when I visit, however.
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May 26, 2014
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moa711
I have a bank account with BBT. Unfortunately they have the tendency to ding you with fees. When I was out of work, they would charge me $10 a month for having a bank account with them. When I was working, I had zero complaints about them. I wish they would remove that $10 fee, when you do not have a steady stream of income coming in. It is hard to keep up with a fee when you have zero money coming in.
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May 15, 2014
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tanyab222
I currently have 5/3 Bank for my checking and savings account, as well as, for a mortgage loan. We chose this bank primarily because of location (right across the street from our previous address). We have never had any issues with them and I have always found their customer service to be excellent (kind, considerate, respectful, pleasant and attentive to my needs). Setting up the mortgage with them and our accounts was easy breezy. The only issue we have with them now is that they are not nearby so we have to travel some ways to get to them now that we relocated. It would be nice if they upgraded to things such as taking a pic of a check and utilizing those tools like Chase does. Outside of that, I do recommend this bank to anyone who is searching for a new bank.
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May 15, 2014
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cyclist4444
I applied for a home mortgage at Mountain West Bank in Idaho. It turned into a miserable experience. The first mortgage broker took all my information and started to shop for rates. Two anxious weeks later he told me that no one wanted my mortgage. I have great credit and 50% down payment but because it was a rural home with minimal fire protection (the home is on forest service land) no one wanted the loan. I talked to a second loan officer at Mountain West who said that he had other contacts to check. Another long week of waiting and no response. When I started to call these loan officers back they didn't want to take my calls. Very disappointing. I would not recommend doing business with them in the future.
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May 15, 2014
Photo of nishant89
nishant89
I have an account at First Financial Credit Union for over 5 years.I am really impressed with the customer service that the bank used to offer till last year. Currently their response time is very high. Last month i lost a cheque for which i called the customer service for cancellation. I was surprised to know that their lead time for same is 2 days while others are offering 2 hours. I suggest you not have an account at this bank.
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May 6, 2014
Photo of jayseehey
jayseehey
I have been using ING Direct for over 10 years. I have never run into any problems banking with them. One time I got locked out of my account and needed to retrieve my password, so I contacted their customer service. They were extremely helpful and got everything back in order on the same day. They are also quick to reply if you decide to send them messages. Choosing ING Direct all those years ago was a smart one, they have excellent service and have yet to disappoint.
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May 6, 2014
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eliday
I recently opened up an account with Woodforest National Bank. I have had this account for less than a year, but I can already tell that this bank stands out among the others because it truly cares about its banking customers. Checks deposited to your account are available immediately. Even checks deposited through ATM are available the same day - within the hour. There is no ridiculous holding process for larger checks or deposited funds. The tellers are always friendly and happy to help. The only complaint that I have would be the number of locations in the Houston area, inner loop. One important aspect of your bank is number of locations. Direct deposit works for me now, but any time I need to be physically present for any banking, I do have to hunt down a location.
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April 29, 2014
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riaquiambao
Citibank. During my younger corporate years, I was delinquent with my credit card payments at one point. Couple of years after, I was unexpectedly approved for a Citibank Visa credit card. I must say that their application assessment is thorough and they give considerations or chances for young professionals to reestablish their credit.
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April 24, 2014
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praveenkorukond
I live in Canada and have all my banking with TD Canada Trust. We opted the bank as it has the best customer service. It also provides service during weekends and holidays which is very helpful for working people. Also they have financial advisers who provide all the liable options for banking to us to choose. They provide answers to all our questions and will have a very friendly relation with the customers.
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April 2, 2014
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lily_orret
Around one year ago I opened an account at a local Busey Bank, in my home city. It´s not a very well-known bank, but it´s close to my home and, so far, I´ve had no problem with it. The bank features a no minimum balance requirement, with the sole condition of getting the statements on-line. It offers debit and credit cards, online banking, mobile and direct deposit, and its customer service is excellent. The only detail I´m a little bit disappointed with is the fact that every time I sign-in online I have to wait for an E-mail with an access code, but that problem is a minor one. The problem lies on the fact that, I don´t know why, the system is unable to recognize my computer. It´s somehow a bargain, but nothing compared to the possibilities it features.
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March 24, 2014
Photo of JZINTHEAZ
JZINTHEAZ
MidFirst Bank has been the best bank I've ever used. The fact that they allow you to use any ATM and not charge you a fee is the most solid choice for going with them. They always make you feel welcome every time you visit their locations. The only negative experience I have had with them is putting a hold on my account for a purchase I made for $2. I appreciate the fact that a bank will look out for you but it caused a problem when I didn't know and I was trying to make a purchase. I guess I would've appreciated a phone call or an email telling me that they put a hold on the account...and did a $2 purchase for something unusual really warrant a hold? Other than that, great bank and I will be a member for years to come!
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March 24, 2014
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blam19
Boeing Employee Credit Union, is the bank that I'll be mentioning today. Don't get me wrong, but this bank is great, but there are incidents that made me decide to switch to other banks. This bank only gave me about 5 mobile transfer actions per month which was far less than what I would prefer because I like to make transfers from my savings to checking account to make sure I had enough funds for what I wanted to buy. I also use my mobile banking system a lot so it was a serious problem I had with this bank.
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