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I opened my Chase account when it was still Washington Mutual. I had a horrible experience with another bank and they were quick to help me out here and get me set up and started fresh with a new bank. They also offered me a credit card to go along with my account. All of the staff was super friendly and their banks were set up different than most I went in, which I liked. After they became Chase, there were some changes to the set up and how my account was, but they kept the same customer service and were quick to help me with any issues I had with my account. The only reason I closed my account was because my student account time ended and I didn't have the funds to pay the monthly fee at the time and my family was at a bank with no fees.
I had Bank of America for about 4 years before they completely screwed me over. I had a student checking with them, my first bank account ever. I was careful with my spending, but since I was still a student, I didn’t spend much and had no bills since I was living with my parents. I mainly used the account to save my money and order the occasional item online. Then after not using my account for about 2 months, but having over $100 in it, I got three overdraft fees, which caused the account to go negative somehow. I went into a branch and tried to figure out what happened, but no one could tell me, they just said I had to pay them and get my account back in good standing. I didn’t have the money to do so, and two days later, three more overdraft fees on the overdraft fees came through. I went up to the bank again and still there was no one who would help, not even the branch manager. I eventually just had to let the account close and pay it off later when I had more money.
Since I rarely travel and when I do it is by car and not flying, the BankAmericard Privileges with Travel Rewards Credit Card doesn't seem to have any benefits that would turn me onto wanting to apply for it since I would not benefit from the rewards. Even still, the APR and the rewards seem good for someone who did travel and the first year being free and the bonus points you get for rewards seems nice. However the annual fee after the first year seems a little high especially since the card is only being offered to people with excellent credit. Also the fact that the card is through Bank of America lowers my trust for how well customer service actually is and if they would stick to late fee charges and any other charges on the card. Overall I think this card just doesn't seem like a good option when there are plenty of other cards available out there to someone who is looking in the excellent credit area.
I have had SunTrust for 4-5 years now and they have been an awesome bank. From the first day I signed up until now, I have never walked into a branch to find unfriendly employees, no matter what location it has been. They worked with my credit score and helped me to get checking and also offered a credit card that could improve my credit. On top of that, when I had a few issues with overdraft fees from things that I messed up and went through, they allow one mistake per year and reverse it. They also work with you if a company messes up and charges you twice and causes issues with other charges not being able to go through. The only problem I have with them is that they changed their policy a few years after getting an account with them and started charging a monthly fee, which was supposed to be one rate and I got charged a different rate and they refused to retroactively fix it. They did fix it for future charges though. Overall, as a regular bank instead of a credit union, they are great.