Best bank in America?

😬

So, I used to juggle accounts at Zabina, Hypo, and Bank of America... A few years back, I pulled my money out of Zabina after my CD matured, closed everything down there, and moved over to Hypo—mostly because their rates were better and, honestly, Zabina’s arrogance was getting old. Everything with them feels unnecessarily complicated, and their rules are always just so... 🙄...

I still keep things with Hypo today, mainly because they have a decent prepaid card, and I guess I just like having a backup account or two...

Now, Bank of America is the real deal if you actually need to do business internationally. I’ve got my checking, savings, and foreign currency accounts all there... Sending money abroad is cheap and straightforward. Their online banking smelled a little funky at first, but it works perfectly fine, and I suppose I'll eventually get used to the interface. I can usually sort most things out via email with my personal banker...

My son is a college student and uses Bank of America too—he’s totally happy with it...

Oh, and just for the record, I haven't owed any of them a dime, and I certainly haven't missed any payments. I wouldn't even know how people act in those situations (and frankly, I don't care... I don't view banks as charities or buddies; they're a service meant to work for me, and that's how they behave) 🤷

Disclaimer: Between using my IB to pay bills at Hypo and Bank of America, I'm looking at maybe 3 or 5 bucks total in fees... And as for how much profit the bank makes off my neck? I don't really care. I only worry about what I'm making and whether I'm getting my money's worth from what I'm paying for...

I’m a Chase customer myself, mostly because I use their American Express card, and I’ve been pretty happy with them. My take on it is simple: if you just need a basic checking account without any bells and whistles, you're better off with a smaller local bank where the fees are lower. But if you want a full suite of services, sticking with the big players makes more sense.

And like Gaffney mentioned, you shouldn't really view banking services as an expense; instead, look at how you can maximize the value from what they offer.

Alexander Thompson said:😬

So, I used to juggle accounts at Zabina, Hypo, and Bank of America... A few years back, I pulled my money out of Zabina after my CD matured, closed everything down there, and moved over to Hypo—mostly because their rates were better and, honestly, Zabina’s arrogance was getting old. Everything with them feels unnecessarily complicated, and their rules are always just so... 🙄...

I still keep things with Hypo today, mainly because they have a decent prepaid card, and I guess I just like having a backup account or two...

Now, Bank of America is the real deal if you actually need to do business internationally. I’ve got my checking, savings, and foreign currency accounts all there... Sending money abroad is cheap and straightforward. Their online banking smelled a little funky at first, but it works perfectly fine, and I suppose I'll eventually get used to the interface. I can usually sort most things out via email with my personal banker...

My son is a college student and uses Bank of America too—he’s totally happy with it...

Oh, and just for the record, I haven't owed any of them a dime, and I certainly haven't missed any payments. I wouldn't even know how people act in those situations (and frankly, I don't care... I don't view banks as charities or buddies; they're a service meant to work for me, and that's how they behave) 🤷

Disclaimer: Between using my IB to pay bills at Hypo and Bank of America, I'm looking at maybe 3 or 5 bucks total in fees... And as for how much profit the bank makes off my neck? I don't really care. I only worry about what I'm making and whether I'm getting my money's worth from what I'm paying for...

And you're better off staying current, kid, or you'll see what they're really made of. They turn into monsters. Worse than war criminals. You'll face such relentless banking harassment that you'll wish you were in a concentration camp. And they do it all legally, because they've got the police and the entire judicial system backing them up. Behind all that is a nation of millions of idiots in this zombie state—plus another fifty thousand in the neighboring zombie state—who keep voting for the same political cliques that rigged the whole system.
So pay your bills on time, son. Just remember that behind every smiling teller is a brainwashed drone ready to do whatever their greedy bosses and executives tell them to do.
Just smile, pay up, and don't ask too many questions.
Good luck. 👍

Honestly, I don't see any reason why anyone would go out of their way to be nice to someone who owes them cash and is still screwing them over 🤷... Personally, I know I wouldn't be... So, how do you, BTW, usually handle people who won't pay up after you guys already had an agreement in place?

Alexander Thompson said:Honestly, I don't see any reason why anyone would go out of their way to be nice to someone who owes them cash and is still screwing them over 🤷... Personally, I know I wouldn't be... So, how do you, BTW, usually handle people who won't pay up after you guys already had an agreement in place?

What "screwing over" are you even talking about? There's no bullshit going on with the bank.
And don't be ridiculous—you can't compare yourself as an individual to a major institution like Chase.
I was giving you some solid advice, and you're attacking me for it. 🙄

Thanks for the unsolicited advice, I guess... My first filter is set to 'who' and only the second one kicks in for 'what,' according to ☕

Watch who you trust with your money!

https://www.facebook.com/paziteskimbankarite?fref=ts

And especially when it comes to who you’re actually lending cash to 😬

But then again, who exactly are you borrowing the cash from...

Honestly, the best way is just getting a hand from Mom and Dad—zero interest, straight cash, maybe spread out over 20 or 30 years... If that doesn't work (which usually happens because, let's face it, none of the generations actually have the funds when they need them), then you look for those decent folks who put up flyers on telephone poles...

Just whatever you do, don't go running to those shady bankers. Their only real goal is to get their hands on a tiny 500-square-foot apartment near some small town you've never heard of...

Alexander Thompson said:And especially when it comes to who you’re actually lending cash to 😬

The banks should have seen this coming... They dropped the ball on that one too.

Alexander Thompson said:Honestly, the best way is just getting a hand from Mom and Dad—zero interest, straight cash, maybe spread out over 20 or 30 years... If that doesn't work (which usually happens because, let's face it, none of the generations actually have the funds when they need them), then you look for those decent folks who put up flyers on telephone poles...

Just whatever you do, don't go running to those shady bankers. Their only real goal is to get their hands on a tiny 500-square-foot apartment near some small town you've never heard of...

At the end of the day, banks have successfully managed to prove they aren't any better than the scammers putting up posters on street corners.

I’m pretty sure I’ll be dropping a whole series of posts over on some DIY forums soon about how the government needs to step in and ban pliers immediately—I mean, seriously, you could accidentally crush your own finger if you aren't careful. 😬

And honestly, nobody seems to want to do the hard work of making it easier to strip someone of their legal capacity... though, looking at some of the stuff being posted here, I might just start handing out those designations myself...

I’m just sitting here waiting for banks in America to finally realize this country isn't their personal playground where they can just do whatever they want. Maybe one day they'll actually respect US laws and start operating according to decent business standards and the "Code of Good Banking Practice" (which they wrote themselves, by the way).

Banks and the legal system in America

Let’s step away from the usual trolling about how banks are the villains of society for a moment—I don't post in this sub very often, since it seems the moderators have their own specific set of rules, *ahem*—but does anyone here actually have experience with JP Morgan Chase? A buddy of mine who works in the mutual fund industry thinks they’re currently leading the pack when it comes to tech innovation, and he mentioned they might have some pretty interesting deals if you bundle things with their investment arm.

I’ve been with SB for about a year now, and once I pay off my loan, I am jumping ship from that prehistoric institution. Their online banking feels like it’s stuck in the Web 1.0 era; they only just recently upgraded from those old plastic cards to token cards. Honestly, everything else is just distasteful. Some of their older branches are literally falling apart. In the Washington, D.C. branch, there were lightbulbs hanging loosely behind the teller counter, and the vault had these trashed, broken shelves... it was honestly a nightmare. 🙄

Jeffrey Long said:Let’s step away from the usual trolling about how banks are the villains of society for a moment—I don't post in this sub very often, since it seems the moderators have their own specific set of rules, *ahem*—but does anyone here actually have experience with JP Morgan Chase? A buddy of mine who works in the mutual fund industry thinks they’re currently leading the pack when it comes to tech innovation, and he mentioned they might have some pretty interesting deals if you bundle things with their investment arm.

I’ve been with SB for about a year now, and once I pay off my loan, I am jumping ship from that prehistoric institution. Their online banking feels like it’s stuck in the Web 1.0 era; they only just recently upgraded from those old plastic cards to token cards. Honestly, everything else is just distasteful. Some of their older branches are literally falling apart. In the Washington, D.C. branch, there were lightbulbs hanging loosely behind the teller counter, and the vault had these trashed, broken shelves... it was honestly a nightmare. 🙄

I agree that JP Morgan Chase is currently the most advanced in terms of technology; they are constantly rolling out something new. That’s what I like about them because I appreciate that kind of momentum. As for customer service, pricing, and all that other stuff, I don't think there is a massive difference among the major banks. It all basically boils down to the same thing.

Rebecca Green7 said:I agree that JP Morgan Chase is currently the most advanced in terms of technology; they are constantly rolling out something new. That’s what I like about them because I appreciate that kind of momentum. As for customer service, pricing, and all that other stuff, I don't think there is a massive difference among the major banks. It all basically boils down to the same thing.

Yeah. They're all equally annoying, tedious, rude, and arrogant.

Hey everyone
I’ve run into a bit of a snag. I was planning on taking out an $8,000 loan, but I just found out my company is filing for bankruptcy.
I'm 22, making $1167, and honestly, I have zero debt or anything like that. I’ve got a permanent contract and I’ve been at this job for about 5 months now.
The only recurring thing on my account is my phone bill from $60
I went down to Chase to ask about getting a loan given the situation with my employer, but they turned me down flat, even though I'm already a client there.

Does anyone know if there's any way to land a loan under these circumstances? Any advice would be huge.
Thanks

Brian Moore12 said:Yeah. They're all equally annoying, tedious, rude, and arrogant.

I mean, that’s basically just how everyone acts when you owe them money and haven't paid up yet... whether it's a big bank or just some guy running a local diner where you've been running up a tab.