We use Commerce Bank here in the St. Louis MO area. They seem to treat us pretty well but since we don't have any car or house payments and I don't have a paycheck I'm pretty sure we fly under their radar.

OK we have Bank of America (on the disclosure bandwagon my brother works there, but we switched over not because of him).

The thing we like is the Keep the Change program. You open a checking and savings account. Whenever you use your BofA debit/credit card the change ffrom any transaction is sent to your savings account.

Ex. Buy a six pack for $7.03, $0.97 goes into your savings account.

For the first three months, I believe they will match your contributions. After that they match 5%/year.

Couple of notes:
* The money comes out of your checking account.
* We saved about $150 this year through the program...without the match.

Just FYI.

Josh

Josh

SAHD Since August 2005

i think that banks are generally evil and should be avoided at all costs. one day Satan had a board meeting with the topic "how can we widen the income gap between the rich and the poor?" one member suggested "how about a system where people would "trust" others to hold thier money for them, and those "trustees" will charge them to use thier own money" Satan was very pleased and laughing to himself the idea was put into place.

http://www.grab.com/profiles/p/iamnotbubba

"are you standing on a rock? or a rug?"

There really isn't one single bank that's coast-to-coast, so you can't really recommend one in that regard. Personally, I've been doing business with one of the local credit unions (Redstone Federal Credit Union) for almost eleven years now and couldn't be happier. I think credit unions are preferable to large, faceless corporations that have your money.

Prior to recently closing the account I'd had for six years, I did some limited banking with Regions. They were always getting my balance wrong, changing their rules as to what they charge (supposed to be free checking, but they changed that to "have to keep $XXX in the account at all times."), and then never correcting the address on my account after we moved. Add to that, changing their online banking setup and never sending me the info on how to access my account, and I was a very unhappy camper.

Credit union.

-Will
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I saught out two small banks but both were gobbled up by either Citibank or HSBC. Commerce has been great for my wife and I. I also have an account with WAMU that I'm happy but not thrilled with. Both Commerce and WAMU are convienant here in NYC.

Be Seeing You.

I worked for Wachovia, wife still works for Bank of America. So thanks to both PaddyRat and Josh for helping to buy me beer- although our 401Ks have taken a huge dump in the last 6 months.

I do prefer small Federal or Credit Union.

My experience with BofA was terrible. They changed the "Customer agreement" every time they wanted, they charge my account lots of "fees" and my savings account never got more than pennies as interest paid. Besides that, there is NOT BofA in every state (i.e NE), the customer service is REALLY bad, it takes me more than 15 min just to ask a question, and 1/2 hour to cancel (close) my accounts. When I move to NE from CA, I discovered that BofA does not have any office here, and that they started to charge my checking account $6.50 per month, because I didn't have "direct deposit" anymore.

My knowledge of Wachovia: As accountant assistant, I got to know of "small Preblems" (as they refer to them), where some people used stolen checks to pay for services. The trick: they NEVER sign the checks and Wachovia accepted that and debited the money from the victims account. It is supposed that they stop accepting this kind of checks, but still I would never have business with them.

Good Luck in your search
Let the Force be with You

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Wells Fargo and they have been nothing but great. We have all of our finances with them (1st mortgage, 2nd mortgage, savings, and checking). We pay for nothing in terms of checks, ATM fees, traveler's checks, etc (we pay interest on the mortgage, but it was free to refinance when rates were lowered).

My sister works for Wachovia and they have some great products. She is a member of the "You need to save more so we are going to move $1 from checking into savings everytime you use your ATM card" club. What is neat about that is they are encouraging people to join by giving them the winning score at The Wachovia Championship golf event as the interest rate for three months. The winning score was -16 so members will get 16% for the next three months.

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My wife asked me if I had signed up for the 401k yet. I told her I hadn't. She asked me why and I told her I couldn't run that far.