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Wednesday, October 20

Gapers Block

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Steven / October 7, 2008 11:01 PM

Chase. Surprisingly yes, I am fairly happy with it, especially compared to my former bank, TCF. The only cost I have is the cost of checks (which I rarely use now) and the cost of using another bank's ATM. Once I complained in person about a fee -- I can't remember the details -- and *poof*, the teller made it disappear. I like the access to Chase ATMs all over town and I use online banking daily to check my balances and move money from savings back to checking as needed. The only thing I'm really not happy with is the lack of money in the accounts, but that would be the case at any bank.

jen / October 7, 2008 11:09 PM

chase. enh.
they're everywhere, so i guess that's good? but their fee for non-members is now $3, which is fucking obscene.

Greg / October 8, 2008 9:05 AM

I recently started an E-Trade checking account. The interest rate is much more favorable -- 2.9% max; 0.5% for a $0-5K balance; you need $25K to get that much from my old bank (Chase) -- and they refund ATM fees nationwide. My complaint thus far is actually with payroll at my company; around the same time I changed my 401(k) contributions, and they've screwed up either that or direct deposit in each of my last three checks.

I'm keeping a brick & mortar account for when I find myself with a live check to cash, though I'll eventually roll it from checking to savings.

Gaigen / October 8, 2008 9:06 AM

Mattress One Bank. Really low fees. Easily accessible. Not a lot of interest on savings, though.

Actually, it's Charter One. Pretty good. Their willingness to pay overdraft withdrawls (up to a certain amount and with significant fees, naturally) has saved my lousy-with-money ass more than a few times.

eee / October 8, 2008 9:12 AM

I have US Bank. They're pretty good, I guess. I'm not a high roller by any means, so it's not like I have a lot of money with them to try out their different services.

My husband uses 5/3 Bank and is really pleased. Our mortgage is through them, and they've been nothing but great to deal with in regards to that. Though I will admit to hating their name. 5/3 is an improper fraction! I'm sure there's a reason for it being 5/3, but I always want to call is 2 and 2/3 Bank instead.

Carrie / October 8, 2008 9:14 AM

Corus Bank. I've been with them since I was 12... it's hard to leave. I've been happy with them though-- since their ATMs are few and far between, they give you 4 free out of network withdrawls each month. Also, if you go to one of their ATMs you get to take out in 5's-- yes, you can take out $25 if you wish. I always take out something that ends in 5 just b/c I can.

mikely / October 8, 2008 9:39 AM

Navy Federal Credit Union and USAA. I was a Navy brat, so I can remain a member of both for life even though I'm no longer a dependent. USAA doesn't have branches and the nearest NFCU is in Great Lakes, so I do everything online or through the mail. USAA reimburses me up to $25/month for ATM fees, and I get postage-free deposit envelopes for checks. Neither bank costs me anything. My NFCU Visa has a 9.9% APR. I'm very lucky ... I'll never have to deal with regular banks.

Gaigen / October 8, 2008 9:47 AM

I'm sure there's a reason for it being 5/3, but I always want to call is 2 and 2/3 Bank instead.

The Fifth Bank of Cincinnati merged with the Third Bank of Cincinnati... hence the name.

kate / October 8, 2008 9:50 AM

Bank of America. Bank of Opportunity.

Um, I don't really care. I make so little money and as long as they don't spend any of it, I'm fine with it. ATMs are easy enough to find and they generally have suckers/candy in the bank, so that's cool.

Andrew / October 8, 2008 10:33 AM

I've got Meadows Credit Union for personal accounts, and a Corus Bank business checking account. The only down side to having a credit union is the lack of branches -- the closest is in Arlington Heights, not exactly an quick trip -- but, conveniently, Corus doesn't charge me for my MCU transactions, so it's sort of a one-stop shop.

Jess / October 8, 2008 10:42 AM

Community bank in my hometown. No problems what-so-ever. Lots of free services, they know me and are active in the communities they serve. I have never had accounts with any major bank and will continue to keep what money I have in community banks (or ideally, a credit union).

Brian / October 8, 2008 10:53 AM

NationalCity. I've been with them for a few years now. I set up with them while I was living in Indianapolis, and just moved the account here. I've been fairly happy with them, and even happier when they bought MidAmerica Bank, which put a branch 2 blocks away from me. However, I've been hearing rumors that they're one of the next ones that will fail. I live on the southwest side, and we've got a few smaller community banks over here, and I've been thinking of moving over to Archer Bank. Or maybe not, I'm kind of lazy when it comes to changing things.

dragonslayer / October 8, 2008 10:55 AM

I'm also with Charter One. I was started with St. Paul Federal which got bought by Charter One which got bought by some east coast bank but didn't change the name. Strangely enough, with each acquisition, the service got better.

I'm happy, but I've thought about going with a larger bank with a deeper network since I travel a lot. However, the thought of unravelling the direct deposits and automatic payments and withdrawals is too daunting.

Eric / October 8, 2008 11:00 AM

My savings account is with ING for their 3% apr. Anybody want a referral? I get free money for it!

I use Chase checking for their ubiquity and their free online billpay. I try to keep just enough for expenses in checking so their crappy interest rate on checking hasn't been an issue.

eee / October 8, 2008 11:01 AM

Thanks, Gaigen!

(Though I'm still going to call it 2 and 2/3 bank.)

Jill / October 8, 2008 11:05 AM

I'm at North Community and am happy enough with them. Now that they're in that national network of 32,000 ATMs it's nicer, but I work from home now, so getting to one of their ATMs is much easier.

I was going to switch to TCF because TCF had a better savings interest rate and I wanted the checking and savings to link, but TCF messed up so much on my checking account by holding new deposits and causing me to bounce checks, that I was glad I hadn't gotten around to closing my North Community account. I hightailed it right back to them.

Their savings interest rate does leave a lot to be desired, and when I closed my 5-figure account with them to move it to an online bank, they were just, meh, we don't care.

jen / October 8, 2008 11:28 AM

i've been with citibank for a couple years now, and have been extremely pleased. when i first moved here, i was with tcf, then bank one (before the chase buy-out), then wamu. wamu was the best out of that lot until their free checking campaign directly correlated with my interest rate dropping significantly. mere coincidence, maybe, but i left anyway because my husband was with citibank, so it made things easier.

Cheryl / October 8, 2008 11:44 AM

I bank at work. Officially I have accounts at US Bank, but I opened them through work and everything is free because it's the Official Bank of This University. I've never actually stepped foot inside a US Bank branch, but one time I did get cash from the ATM that's at the branch across from Alamo Shoes.

Cinnamon / October 8, 2008 11:46 AM

I'm very happy with Meadows Credit Union. They actually just sent me an email to let me know that because they have strict mortgage requirements they aren't experiencing any of the problems that other banks are currently experiencing. And since they're a credit union, not a bank, the FDIC rules are differrent. So money feels snug as a bug in a rug.

Alissa / October 8, 2008 12:51 PM

Bank of America. I've had more problems with them in the past year or so than in the last 13 years combined, but I'm not quite ready to drop them yet.

I'm finally at the point with BOA where I pay no weird fees, they are pretty convenient/easy to find, and I love that if I'm in England I can use Barclays' ATMs with no fees. Of course, the dollar is completely worthless there, but that's a different problem...

jennifer / October 8, 2008 1:50 PM

north community bank. I don't know a ton about interest rates on different accounts, but then again, I have so little money it doesn't matter much. have always been good to me when I've accidentally overdrawn and not realized it (i.e., they have rescinded the $35/day overdraw fee).

mathemetician / October 8, 2008 2:39 PM

not to be a killjoy, but isn't 5/3 actually 1 2/3 and not 2 2/3?

Pedro / October 8, 2008 2:44 PM

Used to be LaSalle until BofA bought them out. Banking is fine, but I wish that RBS' bid to purchase LaSalle went thru because it would have kept 1500 jobs in Chicago.

SR / October 8, 2008 7:29 PM

Citibank... only thing resembling a complaint I have with them is that there aren't too many ATMs out there (but I live in HP which has a much higher concentration of them than the rest of the city)...

charlie / October 9, 2008 7:11 AM


My fiance is the banker so I am happy. Money burns holes in my pockets.

britt / October 9, 2008 12:05 PM

Harris. Very happy with them, I work in the loop and i feel like they are on almost every corner...

eee / October 9, 2008 3:37 PM

Yes, you're right, it is 1 and 2/3. You can tell I was an English major and not a mathematician. As such, my math skills stink, but I can spell mathematician correctly. (Just pokin' fun!)

John / October 9, 2008 11:42 PM

Some 30 yrs ago I had a mix up on deposits made by a "tweener" teller so I looked for a bank that employed "octogenarians." Found it at the Villa Park Trust and Savings and never had a problem, until they were bought out by Harris about 3 yrs. ago.
As Harris dumped many of the friendly elder tellers I left and guess where I ended up....full circle where I started from, West Suburban. Took a little getting use to, and hate having to show my ID everytime I cash a check...I hadn't done that for years due to the neighborly VPT&S octogenarian tellers who knew their customers. Cash is King.

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