Yesterday, I called up Bank of America and asked to cancel my checking account there. I have been dreading doing this for months because it contains the lofty sum of $9.31 and I assumed that meant that required me to go to an actual branch. And I find it hard to go to actual branches. But then, on a whim last night, I thought “hey! Maybe they’ll just SEND me my money.” And lo and behold, I called, they said “we’re sorry you’re taking your measly nine dollars elsewhere, but feel free to come back if you ever actually scrape together some actual cash,” and now my check is in the mail. And there is one less card in my bulging bag. Seriously, sometimes things are easy.
I will not miss Bank of America. I have had a savings account with them since I was SEVEN and a checking account with them since I was seventeen. And in that time, they have taken from me in fees far far far more from me than they ever paid me in interest (by about fifty times). ::shakes fist::.
I have now gone to all three major banks (am I missing any other major banks?): Wells Fargo, Bank of America, and Washington Mutual.
I loathe Wells Fargo from the depths of my soul, for reasons I cannot quite articulate. My dad hates them too, and I’m sure some of that spilled over. When I moved to Utah, I realized to my deep horror that there were no Bank of Americas and I finally had to break down and open an account. And since there was a Wells Fargo both on campus and across the street from my apartment, it seemed the logical choice. But their website! So ugly! Their lines – always SO long! And irrational HATE HATE HATE! (Also, this preposterous policy that if you moved without changing your address with them and your mail got bumped back to them, they’d remove $5 from your account).
When I got married, we started using Bart’s WaMu checking account, which was all well and good until two weeks ago when they charged us a $10 maintenance fee for our savings account there, citing a “policy change” of some sort. Considering we were making all of about thirteen cents a month in interest, this seemed like the sort of the thing that would be hard on our account.
Now, we are with ING, home of the 4% interest on checking accounts. There are no branches, which is fine with me because I don’t actually like going to a branch. There is no checkbook, which is a bit weird, but if you fill out a check online, they’ll mail it to you so you can pay whomever needs paying or, if you’d rather, they’ll send a check directly to the business or individual you need to pay (this is how we pay our mortgage, water bill, and gas bill).
But, really, I like ING because our new debit cards are SO spiffy looking. Navy blue with a curvy transparent orange ribbon running through it. And really, it’s all about how cool your debit card is.
Where do you bank? Do you like it? I’m curious because I’m a nerd.