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Banking Consolidation...what choices??

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    #1

    Banking Consolidation...what choices??

    With WAMU being absorbed by Chase, Wachovia by Wells Fargo, that leaves 4 major players:

    Chase,Wachovia, BofA, Wells Fargo. Citi is closing branches left and right.

    I have been thinking about my banking lately. Since I am not a fan of either of these, and am looking for a bank/credit union that is national (I can bank in TX or CA or any other state), what are the options??

    Anybody have a take on all of this 'consolidation'?
    Tags: None
    #2
    Luckily I "bank" with a Credit Union...
    The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.

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      #3
      BK I am having the same problem. I think I have bank block almost want to keep my money under a mattress and make out money orders. I just keep going back the .79 over draft that cost me $900.00 I’ve read some of the rant boards about how it’s going on in all the banks. I looked at BOA I like that rounding thing they do. But I can see how that can get you in trouble. I think for the first time I am looking very closely and the fine print.
      I hate chase after they sued my dead father for 1700 he forgot to pay before he died. They refused to accept a death cert with out a raised seal.
      I had good luck with a CU years ago maybe I will try one.
      Chapter 7 07/30/2008
      341 09/17/2008
      Discharge 11/21/2008

      Comment

        #4
        I've been banking with the same CU since 1976 and have never felt the need to switch. They currently offer 5.01% cash back checking with no minimums or limits of any kind. The only requirements are that you agree to get your statement online and that you pay at least 3 bills each month through their bill-pay service. I think that as more and more commercial banks consolidate or merge, the more attractive CUs will become.
        BK 7 filed and discharged in 2004 after 30+ years of perfect credit. Life HAPPENS.

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          #5
          I think I'm going to go with a cu, as soon as I move.

          How do you find out which ones have the more attractive offers??
          I need billpay, preferrably ones that do ACH transactions vs sending a check??

          Comment

            #6
            Originally posted by BK2008 View Post
            I think I'm going to go with a cu, as soon as I move.

            How do you find out which ones have the more attractive offers??
            I need billpay, preferrably ones that do ACH transactions vs sending a check??
            Do a google search for credit unions in your area. I saw you were in Dallas, so I googled "Dallas TX credit unions" and came up with many! This may be a good place to start:

            Home
            http://www.texanscu.org/?gclid=CNf-nNXlwpYCFQVuswodRzkExg
            Texas credit union serving the state of Texas with personalized service, exceptional financial products, and innovative digital services.
            BK 7 filed and discharged in 2004 after 30+ years of perfect credit. Life HAPPENS.

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