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 Replies: 8 / Views: 1,543 |
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Pillar of the Community
United States
979 Posts |
I moved to a new area recently. Now it takes me 20 minutes to get to my nearest key bank. I am trying to start up another accoount locally with a diffent bank, but I'm not too knowledgable as to whether or not there are charges sometimes. My keybank has no charges, its a student checking account. I am still in school, so I guess I can start more.
I just want to know, are there any fees I should ask about or look out for when starting a bank account?
Thanks for any help! Edited by Broseph
09/10/2012 12:22 pm
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Valued Member
United States
228 Posts |
It would be best to go the the banks and shop around like you were buying a car. Ask questions hear what they have to say and through talking to a few of them you will learn what to look for.
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Valued Member
United States
397 Posts |
What I was finding were savings accounts were a bit easier to set up without fees, as long as you kept a minimum balance.
Then just make sure that you can swipe your ID or provide a different method to prove you have an account instead of swiping a Debit or credit card, since most of the time you won't have one with a savings account. This being so important if you are doing this for the purpose of CRH, as you wouldn't want to get caught off guard when asked to prove you are a bank customer (CRH goes so smooth I find as soon as they find out you have an account with them).
Other than that I echo TrickyxMick: go into a few local branches that would be convenient for you to go into and ask to sit down and go over your options with them. Mention you have a free checking account through your other bank, and if there are any fees, they should disclose them to you up front.
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Pillar of the Community
United States
2661 Posts |
Avoid Wells-Fargo and Bank of America. I closed both of those accounts when they started charging me fees for checks I don't write. Ask about minimum balances and fees for ATM/Debit cards as well as check fees.
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Pillar of the Community
 United States
979 Posts |
Good tips! I hate bank of america. Long story short, they messed up some fees and wouldn't back down on us paying them. They are crooks. I will probably write some of those things in a list and maybe ask around this friday
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Pillar of the Community
United States
4333 Posts |
Sorry to hear that...I've had a BOA account for almost five years, never once a fee, and lately there has been minimal account activity on my part, maybe once or twice a year.
Watch out for minimum deposits, minimum account activity, these can cause sudden fees. Direct deposit solved a lot of those issues for me.
When I listen to LED ZEPPELIN...so do my neighbors...
Roll hunting since '77
Dirt fishing since '72
Edited by fistfulladirt
09/10/2012 8:02 pm
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Bedrock of the Community
United States
36744 Posts |
I would go to a Credit Union before going to any of the big banks. See if there are any in your area.
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Pillar of the Community
Canada
834 Posts |
BOA to me has been A+ in my books
I am a Canadian with US checking and savings accounts with them and never had a fee charged
always order boxes for me
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Pillar of the Community
United States
979 Posts |
Well, we had a bad experience... I know some BOA may be different, but I will not do business with them. They will never touch our money again.
Edited by Broseph
09/10/2012 11:18 pm
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Replies: 8 / Views: 1,543 |
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Posted 09/10/2012 1:15 pm
