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Chase is perhaps the best bank to use in New York City because of the number of branches and ATMs. If you are like me, you never carry cash around with you so that is a very important way to judge a bank. Currently, there are 30 Chase Bank branches located in New York City in addition to 30 Chase ATM locations. Chase also offers great online banking, so to find a location in the City, just go to Chase.com. The first link at the top of the page gives you the option to find Branches and ATMs. Following that that link, search the entire city or zip code.
I go to the Sterling National Bank branch in West Midtown on 38th Street and 7th Avenue and I find their customer service to be OK. I have a Health Saving Account with the bank and do not really use it that frequently. I think the bank could improve their online banking services for customers in order to provide the same level of service as Bank of America or CitiBank. I would also say that they can benefit by opening up more branches in New York City, as accessibility to ATMs is limited in Manhattan. Overall I would say this is an OK bank.
I normally visit the TD Bank branch just north of Bryant Park in Manhattan on 42nd Street and I am usually very happy with the customer service that the representatives provide. I usually go during lunch and, when there is a line, it usually moves very quickly. What also makes them unique is that some of their branches are open on Sundays. I would note that the bank seems to be growing its presence in the New York region, so even though Chase and Citibank dominate the scene, I imagine that several years from now TD Bank will have enough branches and ATM locations to make themselves even more convenient.
I've had a checking account with Bank of America for as long as I remember (10+ years) and I've always been pleased with their customer service. The checking account that I have offers me rewards through US Airways, which has been great though I believe they are discontinuing those benefits going forward. For those of you that have been charged fees for various reasons, I recommend you call the 1-800 customer service phone line and complain about it. Every time I have done that, I have been able to speak with a representative who eventually always concedes and credits my account with the funds.
I’ve been a customer of Citibank in New York City for numerous years and I am not that happy with their customer service as a checking account client. At one point last year, they decided to start charging me $15 per month for the privilege of having a checking account with them – something I am unhappy about. After going into the branch and failing to get my complaint resolved, I was forced to call the 1-800 number several times until I was finally refunded the fees and I received further clarification as to how to avoid the monthly fee going forward. I am likely to switch to Chase in the future.