Posts by quietseal11

You'll see the digital wallet icon right on your home screen.
It’s the middle one in the first column, sitting just under Chase Mobile

Man, even without using an adblocker, this Reddit was actually readable just a few days ago. Now? Not so much.

Are these new ads even worth losing users over? 🤷
Then again, I haven't been hanging out here much lately. Honestly, once I have to refresh the same page three times only for it to still glitch out, I just give up on the site altogether.

mistydrifter56 said:Looks like they’re planning to slap a tax on mutual funds starting next year, too.

How are they even going to calculate the tax? On what basis?

I'm asking because fund returns aren't some fixed number you can just run a tax calculation on, unlike interest from a savings account.

Thanks for the reply, rustydrifter10

You basically confirmed it yourself—the moderator handled things all wrong.

Just felt the need to weigh in on your post for a second.

People talk about silversailor's job all the time because he’s the one constantly bringing it up. Honestly, I don't care what he does or if he's promoting himself, but when you go that route, you can't be surprised when people throw it back in your face.😬

My issue wasn't even about my own ban. It was about him mocking my post right after he banned me for "trolling." That’s just not okay. A moderator shouldn't act like that, period.

I didn't ask for screenshots of the moderator, so that part doesn't apply to me. No one is forced to post them, but I get why that user wrote that post.😬

Regarding merging threads: it's not just a recent thing due to server issues, but regardless, there should be some order. When a mod closes a thread, they should at least provide a link to the existing one instead of just saying it already exists.

Bottom line: I hope this serves as a lesson for this subpar moderator. He needs to actually learn the job description and realize that moderation follows rules, not just whatever whim he feels like following. Hopefully, he can actually be useful to this subforum eventually.

The community has already said enough about how the mod behaved here. People who don't even post in the interiors section or even in this thread—or the adjacent admin questions thread—have made it clear: it's unacceptable for someone to insult users for no reason and stay in that position. But from what I see, the administration decided otherwise.

At least hopefully he realized that being blatantly rude to users isn't allowed.
An apology would be more than welcome.

rustydrifter10 said:

An admin will be reviewing the disputed posts in the coming days, so please bear with us for a bit.

Fine, we'll be patient. At least I will.

The moderator really showed his true colors here—apparently, his only defense for his behavior is claiming women have periods.
I don't see how that has anything to do with him being a terrible moderator, especially since he’s a guy and doesn't even deal with that himself. But hey, I'll leave the admins to wrap their heads around that logic.

What lies are you talking about? You're constantly going off-topic, lurking, and then just deleting your own posts.
The admins see it, and it’s the truth.

You literally just admitted you're offering to act as a middleman for purchases.
I don't care what your reasons are, but you're the one making the offer.
You also said on this thread that you buy and sell replicas, and you've been lecturing everyone on the difference between an original, a replica, and a copy.

Nobody ever claimed you were a furniture supplier. We know you're an interior designer, not a retailer—you've stated that yourself on the forum.

Insulting users by bringing up my supposed "frustrations" or my alleged "mental state" is out of line. If you're going to make diagnoses, tell me exactly where you got them, because otherwise, they're just fabrications. Making stuff up like that is a violation that gets users sanctioned, so it's pathetic when it comes from a moderator.
The forum is just a hobby and a way to unwind for me; I don't take it seriously.

Look, I couldn't care less who you are or what you do.
You were way off-topic yesterday. You know it too, because the thread titles are about home decor, not business supplies. Even though you mentioned business stuff yourself, you ended up deleting your own post after being warned. Instead of taking it, you got defensive, brushed it off, deleted it, and then handed me a ban for trolling.
And then, later on, you were the one trolling those same threads by alluding to the very post you banned me for.🤦

So, I'm curious: how is my post trolling, but yours isn't?
And since you were on such a deleting spree, why didn't you just wipe all my posts? Or did you find keeping them useful for your own subsequent posting and justifications—basically, more trolling?

Your activity on the forum yesterday is the perfect reflection of your moderation style.

So, since you've already moved my post to a separate thread 😕 ....

Is it standard procedure for a moderator to just keep doing whatever they want, basically mocking my post after they gave me a strike 🤣
You can see part of what he wrote before deleting it right here

Originally, he was posting completely off-topic in a thread where people were giving advice. It wasn't until other users called him out that he finally moved those posts to the actual advice thread.

Then, when he didn't like some of the comments, he started trolling again. After the community told him to chill out, he just started nuking everything he wrote.

He’s got this habit of deleting his own posts whenever someone points out his mistakes.
First, he makes all these excuses and writes a wall of text, but then once he realizes he's actually wrong, he frantically deletes everything. Like that one time in a thread about modern interior design—he got called out for ignoring the specific picture size requirements mentioned in the opening post. He spent forever being defensive, claiming everyone else was wrong, and then once it finally sank in that they were right, he wiped the whole thing clean, including his justifications.

It's the same story today. He's writing and erasing. As far as I can tell, he's the only moderator I've seen who can't seem to follow the very rules he's supposed to be enforcing. Once the users call him out—which should ideally be the other way around—he just scrubs his posts, along with others, thinking if it's deleted, it's like it never happened. 😬

But hey, since the site admins can see the edit history, they can get a much clearer picture of everything he's been typing and deleting today 🤦 and see what a "perfect" moderator he really is...
.. He's practically asking to be fired. 😁

I’m curious how administration views a moderator who deletes posts warning them they’re going off-topic, only to turn around and accuse the users of trolling or "playing games" when they don't like being called out.

Specifically, silversailor over in the Home Decor section.
Two new threads were opened yesterday, and , both titled as discussions about things related to our homes.
The tone of the threads is laid back, which is great, but silversailor didn't bother reading the titles properly. He’s been completely off-topic because he keeps listing stuff tied to his actual job rather than home decor. He’s an interior designer, so he buys stuff for clients—he's mentioned that on the forum plenty of times.
In one thread specifically about things bought for the home, he even admitted he bought some items for himself and others for work. A few users pointed out he shouldn't be posting work stuff in a non-work thread, and he took offense, deleting our posts under the guise that *we* were the ones being off-topic.

On top of that, he gave me a warning for "trolling" just because of this post: then, he goes and recounts things from my post as a joke in a different thread: (which I reported).
If I'm the troll here, what exactly is he doing? Especially since he’s a moderator.🤦

Also, will administration ever review this guy's performance? Honestly, he’s pretty bad at this. He has this fetish for closing threads without any explanation—though, I'll admit, lately he just adds a quick sentence saying a thread already exists. The other two moderators always make an effort to merge posts into existing threads instead.
Plus, he's basically the main reason these threads turn into constant chat rooms if you look at his recent activity.
Look, I’m not against chatting in threads 😁—that’s why I love the decor section; the vibe is relaxed. But even chatting has its limits. Other moderators (like Solar and Aoife) know when enough is enough and step in, but silversailor doesn't.

He also seems to have the highest count of posts consisting entirely of emojis, which isn't exactly the best way to contribute to a discussion.

Etc...

Bottom line, I think it’s time to swap out the decorator mod for someone actually competent.

And yeah, he’s indirectly advertising himself. He claims he isn't, but anyone who skims this sub knows he’s an interior designer and that you can buy designer pieces (originals or replicas) through him.

Imagine if your paycheck accidentally hit someone else's account instead of yours. Now you're just sitting there, waiting on them to send back the money you actually earned.
In that scenario, would you really sit there and say you don't care? Would you tell yourself, "Eh, it's their mistake, they should just keep my money since it wasn't their fault it landed in their account"?

Open a payment account
Enter the recipient's info and their routing and account number
Then just push the transaction through

You can't touch any of it right now.
It’s basically your own money, just held in trust to be paid out as part of your pension once you retire—that's why they call it a retirement fund.

Once you land a new job, your next employer will start contributing a set amount into that fund every single month.
Plus, you'll get an annual statement showing exactly how much you've got sitting in there.

I don't know, my folks are still getting them and they just pay up

But honestly, if he needs it—or if your friend needs that statement—he can just ask Bank of America to keep sending them over

If they aren't getting their statements, they probably opted out themselves—maybe without even realizing it. At JPMorgan Chase, mailing hard copies has cost a few bucks for a while now, and if you don't want that, you have to specifically request they stop sending them.
My parents still get them because they refuse to touch online banking. For them, it’s the only way to actually see their monthly balance or check if they've hit a negative limit.

Look, I'm not defending the banks here. They aren't untouchable, and plenty of services that used to be free a few years ago are definitely charging for them now. But everyone needs to filter through what they actually need and what they don't.
If I decide not to pay for a service that provides vital info, then being in the dark is on me, not the bank.

I've had my fair share of ups and downs with banks and tellers, too. But misunderstandings and annoying situations aren't always the bank's fault; sometimes it's just my own lack of knowledge or me misinterpreting things.

And since we're talking about overdrafts—which is basically one of the most basic services a bank offers—everyone I know who uses one knows exactly how many months the limit lasts. When the deadline approaches, they all keep a close eye on their remaining credit so they don't slip into an unauthorized deficit. Nobody treats it like a permanent right or assumes the limit won't be lowered. So, while I get why being stuck in that spot is frustrating, you can't tell me that their ignorance or lack of interest is "normal."

Besides, if they desperately need that overdraft limit restored, they can just walk into a branch and ask to have it bumped back up to the previous amount. They could ask the staff how the process works or if there's a fee involved (which, let's face it, probably costs 😁), or honestly, just check the bank's website.

So that isn't actually a monthly transaction statement, it’s just a notification confirming a pension payment. You're mixing up your facts here.
And while we're talking about overdraft limits being lowered, according to their website:
The overdraft limit will be reduced during the next automatic processing if there's been a drop in regular deposits to your account, or if you've received warnings from the Bank due to exceeding your limit.
Basically, one of those reasons explains why her limit was cut, though I doubt they'll ever admit that.

But hey, you're totally right. The Bank is the villain here. Your friend and your mom are just poor, innocent victims of this evil Bank and its conspiracy to ruin your friend's stay in the USA, which depends on her $2000overdraft limit.
If I were in your shoes, I'd just lend her that $2000 so she can survive out there, then start a massive media outcry against the Bank. It's not their fault they don't know anything—it's the Bank's fault. After all, how is anyone supposed to be at fault when they use a service without knowing the exact terms under which it was granted or the conditions under which it can be taken away?

Look, your statement tells you months in advance when it expires and what your balance will be after the deduction
You just have to actually read it.

I don’t know what other kind of notice you're looking for.

Plus, there are some contradictions in your story. If she doesn't need the overdraft, why all the drama? Why is she using it and relying on it if she's in the USA 😕?

Bank tellers come in all varieties, sure, but in this case, I don't see any mistake on the part of JPMorgan Chase. It looks like a user error—someone who can't interpret their own statement or manage an overdraft properly.

You can switch over without any trouble

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

JP Morgan Chase

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

Checking, savings, and I have a business account too, though I don't really use it much.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

Once, I was told my blocked cards couldn't be unblocked, then later a personal banker told me they could be fixed within an hour. It was a weird situation where a family member blocked all my cards when they shouldn't have, since not everything was actually stolen.
Honestly, it wasn't a huge deal for me. Sorting out cards and accounts at the bank is trivial compared to the hassle of getting new IDs from the DMV in the middle of all that. 😁

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

No, I don't get paper statements at all; I handle everything through online banking.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

I like keeping things lean. If I see a charge pop up that isn't part of my basic package, I cut it immediately unless it’s absolutely essential. Case in point: I just canceled my SMS alerts for account changes and those monthly statement fees. No point in paying extra for stuff I don't need.
But then you've got them hiking up the fees and messing with how they charge for advance notices.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

No issues on my end. I've been using the exact same token for years.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

No complaints here. It does exactly what it's supposed to do.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

With JP Morgan Chase, you get an instant update on your account balance right there on the confirmation screen.
I haven't really dealt with having too much or too little money in my account before—well, except for when I managed to mess it up myself. 😉)
If JP Morgan Chase ATMs are on every single corner, why am I still bothering to withdraw from any other bank?
Except when I’m traveling abroad and actually need cash. In those cases, I don't even bother checking the transaction fees because I've already mentally accepted the hit—but I'm assuming it's at least $4.

Jeremy Jackson2 said:Hi everyone!

So, I currently have a checking account over at PNC Bank, and honestly, it kind of ticked me off to see they charge a fee just to receive my statements via email—and it’s not even a small amount, like, almost a dollar! So, because of that, I decided to start hunting for a better option. Or maybe I'll just dive into online banking.

Anyway, if you feel like it, could you please answer these questions for me? Just in this order, I guess:

1. Which bank do you use:

2. What kind of accounts or services do you actually use:

3. Any issues you've run into? (Try to be objective, though! Like, if you had to wait twenty minutes in line, that's probably not the bank's fault, so there's no point in complaining about that—for example, in xy one day you might wait two hours, then the next day you're out in 2 minutes, it's just random chance, I suppose)
a) Issues with customer service
b) Issues with billing and account statements
c) Issues with fees (you know, those hidden, unannounced, or totally unexpected ones)
d) Issues with the hardware for online banking (malfunctioning, battery life, durability, etc.)

4. How is the online banking quality? (Is it easy to use, available, and user-friendly?)

5. ATMs
a) Do they give you a receipt showing your balance right after you withdraw cash? (For instance, PNC doesn't really do that; you have to redo the whole process just to check your new balance)
b) Has it ever happened where the machine gave you more or less than requested, and the system charged your account incorrectly?
c) How much does it cost to use an ATM from a different bank?

6. Using your debit card—is it PIN-based or signature-based?
a) Are there any restrictions (like being blocked at certain stores or anything)?

And finally, what are the current fees as of May 27th, 2010?


Thanks so much in advance!

P.S. I'm not interested in loans or credit cards, and I don't need overdraft protection either (I don't need extra money beyond what I've actually earned). So, overdrafts allowed is fine, I guess.$0.00.

Your debit card uses a PIN, and there’s a daily spending limit in place.
That doesn't really matter if you're just buying on credit at stores that offer financing. There’s a separate limit for that kind of stuff that the bank approves separately.

I’m pretty happy with JP Morgan Chase, even if there's that one thread where everyone's venting about how much they hate them.
For me, the bottom line was getting my mortgage sorted without any headaches. Beyond that, I just need reliable online banking because I almost never step foot in a branch, and enough ATMs nearby to make life easy.

A minus is just a credit line like any other, just with way less paperwork
and it isn't some kind of imaginary money either.

James Hayes6 said:And there’s more to it!!
I constantly see people posting comments like, "Oh, I have a credit limit of this much and I never even touch it."
But look, let's get real here. Even if you aren't spending a dime, JPMorgan Chase is still using those limits to project how much "capital" they actually hold. What does that mean? It means their balance sheets claim they have money that simply doesn't exist. It's phantom cash... just look at guys like Peter Parker or Sue Storm over at AC; $8333 they’re sitting on those $0.00 which are totally made up!!
By doing this, we’re basically manufacturing currency out of thin air, and that is exactly what drives inflation through the roof!!!

The bank isn't going to claim that Joe or Jane actually has $8333 sitting there, especially when they have $1667 plus an overdraft.
You're oversimplifying things here.

An overdraft isn't some monster or a moral failing like some people make it out to be. You just have to handle it rationally, like any other financial tool.

For instance, I have a pretty large overdraft limit. At one point, it was actually easier to use that than to apply for a formal loan. But I set a strict deadline for myself to pay it all back, and if I ever found myself in that spot again, I'd do the exact same thing.
I see no reason to ask them to remove my overdraft facility; why wouldn't I want a simple way to borrow from the bank if a real need arises?

Besides, people end up in the red or carrying credit card debt for all sorts of reasons. Everyone has a story, whether it's justified or not.

Banks aren't always the villains

A family member of mine was supposed to receive $2,000, but only $1,000 actually hit her account—even though she had a signed receipt right in front of her stating the full amount.
When she got home and realized the math didn't add up, she headed straight back to the branch. She sat down with the manager to explain the discrepancy, pointing out that she’d already signed for the higher amount. Despite having that paperwork, they just told her they'd "look into it." Well, by the next morning, they called with an apology and the missing money was back in her account.

It goes to show that banks do fix their mistakes, even when those errors screw over the customer. I don't see why anyone would hold onto funds that don't benefit the bank—it's just a mistake on a staffer's part, not some grand heist.

At the end of the day, everyone makes mistakes at work. It happens.