STYLETHREAD -- LET'S TALK SHOP!

I have WellsFargo and I'm fairly happy with them. Online banking is free but online bill pay isn't for me. I think some accounts include free online bill pay though.

I bank with US Bank.  Their online banking is free, their checks are not free.  I had some idiot who miss printed my name AND address two times in a row made mistakes and they wanted to charge me twice for the checks!  

And they are greedy money hungry, once I had totally forgot that I had an insurance payment coming out.  I had done many purchases before the date the insurance was taken out which I had money for.  Well, they decided to rearrange some things, putting the insurance first then about 4 other purchases so I would have to pay the fee 4 times!  I had never done this before and I asked them to remove all but one charge to make it fair (most banks would take it all off if it's your first time) but hell no!  They were so mean about it.

Oh and the cash back bonus is so pathetic.  You only get 1/4 percent for every dollar you sign your purchases.  Yeah, I don't sign them all but it took me nearly 2 years to get $5!

Maybe you should go with Wells Fargo.

Cortney1982 wrote:

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I bank with US Bank.  Their online banking is free, their checks are not free.  I had some idiot who miss printed my name AND address two times in a row made mistakes and they wanted to charge me twice for the checks!  
And they are greedy money hungry, once I had totally forgot that I had an insurance payment coming out.  I had done many purchases before the date the insurance was taken out which I had money for.  Well, they decided to rearrange some things, putting the insurance first then about 4 other purchases so I would have to pay the fee 4 times!  I had never done this before and I asked them to remove all but one charge to make it fair (most banks would take it all off if it's your first time) but hell no!  They were so mean about it.
Oh and the cash back bonus is so pathetic.  You only get 1/4 percent for every dollar you sign your purchases.  Yeah, I don't sign them all but it took me nearly 2 years to get $5!
Maybe you should go with Wells Fargo.

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I have had the same problem with US Bank. if you use your debit card as a credit when making purcahse they can post them whenever they want. So, in theory, you could easily get assesed overdrafts if you miss something becasuse checks post overnight. If you checked your blance, say online, the next day everything could look very different. I'm not sure how this policy is legal, but I bet it makes them a ton of money

I use US bank....maybe I'm missing something that the other women said, but when I check my balance online it will tell me how much money I have, and how much I have available. For example, I just checked my account a while ago, and it said that I actually have $300 more in my account than I have available to use. That's because some checks I deposited haven't cleared yet, and also because I've charged things on it (I can use my debit card as a Visa) that US bank is aware of, but for some reason haven't cleared to be taken out yet (I don't really know how that works). So I think I could charge up to the whole amount, that I actually have, but if I go over my available balance I'll start getting overdraft charges once those purhcases clear. In general, within minutes it will say online that I've made a purchase, and delete that amount from my "available balance", even though it might take a few days to be taken from my "account balance." So I haven't really been "tricked" by US Bank.

I hope this makes sense, I don't know how to say it clearer but I feel like I might have just been really confusing.

-- Edited by ttara123 at 19:04, 2006-05-22

i've never banked with either but i have gotten store credit cards managed by wells fargo (for my furniture) and they opened up a WF visa after I told them not to so I stay clear of them.

itsapinkthing wrote:

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Cortney1982 wrote:
I bank with US Bank.  Their online banking is free, their checks are not free.  I had some idiot who miss printed my name AND address two times in a row made mistakes and they wanted to charge me twice for the checks!  
And they are greedy money hungry, once I had totally forgot that I had an insurance payment coming out.  I had done many purchases before the date the insurance was taken out which I had money for.  Well, they decided to rearrange some things, putting the insurance first then about 4 other purchases so I would have to pay the fee 4 times!  I had never done this before and I asked them to remove all but one charge to make it fair (most banks would take it all off if it's your first time) but hell no!  They were so mean about it.
Oh and the cash back bonus is so pathetic.  You only get 1/4 percent for every dollar you sign your purchases.  Yeah, I don't sign them all but it took me nearly 2 years to get $5!
Maybe you should go with Wells Fargo.


I have had the same problem with US Bank. if you use your debit card as a credit when making purcahse they can post them whenever they want. So, in theory, you could easily get assesed overdrafts if you miss something becasuse checks post overnight. If you checked your blance, say online, the next day everything could look very different. I'm not sure how this policy is legal, but I bet it makes them a ton of money

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I bank with WF & it's the same - it takes at least a day for a deposit to become "available" & debit / credit charges are taken out immediately. I think that's pretty much an industry standard - if you float money you risk an overdraft.

I've been super pleased with WF - my DH's company is a corporate customer so we get additional benefits from that - you may check with them to see if your employer banks there.

Just be careful of Wells Fargo - they are a known predatory lender. Meaning they target people who can't really afford or have the financial intelligence/understanding for loans and often those same people end up ruining their credit, defaulting on their loans and/or going bankrupt. If you want more info, I'll look it up for you. There's tons of press on it. Good luck - make a wise decision.