Bank of America are Scum Bags

[Iwantone2]

credit union it is

[Blue17CamaroZL1]

Originally Posted by stieger

That sucks man, I'm sorry. I'm not trying to rub salt in the wound here, just echoing how much BoA sucks. Starting Monday of this past week BoA charges you 14 cents PER swipe of your debit card. No matter what you are using it for.

I thought it was a $5 a month fee for using it, didn't know it broke down to per swipe

Originally Posted by 2ndgenz28

Paypal is also a good place to keep money, the cash back on purchases adds up. I buy all my gas with my paypal card. and since they are not a bank or a cc company, you get ahead easy. I often have more money with them then in the credit union.

Paypal is awesome. I have a business account with them for my DJ business so I can accept credit cards through them. I have a Paypal mastercard debit card AND a credit line through Paypal called Smart connect, so I can use my debit card as a credit card, if there is no balance in my Paypal account.

[DietCoke]

BoA tried to charge me $5 to cash their OWN CHECK.

Crooks.

[Jessika]

USAA FTW! hands down!

[SSmoothie]

BOA sucks, they screw up my mortgage a year ago and said I didnt pay for 2 months, I sent them the canceled checks and it took them 6 months to straighten it out, my credit rating dropped to 625, until they sent out that they made a mistake, all I got back was were sorry this happen.:mad026 0::ma d0260::mad0260 ::mad 0260:

[Ivas]

Hmm, you've only just noticed that...

[Transfusion]

I was with them 10 years but never had an account. Hmmmm
Wells Fargo is good if they haven't hired all of the damn BOFA people
that got let go.

[2ndgenz28]

Originally Posted by stieger

You can get a credit card through paypal? Hmm the more you know

Yes you can but what I use is the fake credit card / debit card they have to spend your balance. And since its neither, you can chose credit and earn cash back on everything. Like having a CC but its real money, no debt.

[toesuf94]

Bank of America bought my mortgage. No biggie I thought Then I get a late fee from B of A of $55 - when I had been using auto pay since I signed up for the mortgage....they mishandled the funds....hell I did not even know they had bought my mortgage! I have called them for over a year trying to get this resolved...they keep telling me I owe them money. I Hate them.

[woolfman72]

NFCU is awesome if you can get in it. Psecu , Usaa , Penfed . Alliant. They are all great CU's each has some sort of membership requirements though.

[Brolik10]

Originally Posted by mlee

All I can say is USAA... My funds are always available a day or two ahead of my co-workers... Customer service is top notch...

Before I get flamed... yes they are open to other than Military for regular banking. They even pay back other banks ATM fees.

www.usaa.com

No better bank IMO!!!!!

[Blue17CamaroZL1]

Originally Posted by 2ndgenz28

Yes you can but what I use is the fake credit card / debit card they have to spend your balance. And since its neither, you can chose credit and earn cash back on everything. Like having a CC but its real money, no debt.

If you get the Paypal smart connect, and set it got "back up funding" then you can use the debit card just like a credit card. They give you a line of credit, but not an actual card so the two link together. First it will take whatever money you have in your actual paypal balance. If you have nothing, then it takes out of the paypal smart connect credit line

https://cms.paypal.com/us/cgi-bin/ma...l/SmartConnect

[GTAHVIT]

Originally Posted by woolfman72

NFCU is awesome if you can get in it. Psecu , Usaa , Penfed . Alliant. They are all great CU's each has some sort of membership requirements though.

this!

[PETRA]

Any bank - even a CU - has a cutoff time for daily business. For some, its 2pm; others? EOB.

There is also the consideration of making a deposit at an ATM - is the ATM ATTACHED to the bank, or a separate entity, even if on the same grounds? In these cases, it is often serviced by a 3rd party, making the "posting" take effect even that much later.

Your primary error was that you made your deposit in an ATM after EOB. That means whatever you do - EXCEPT for withdrawals - won't be credited until the NEXT business day.

Another point to consider: Some banks post DEBITS prior to posting CREDITS - even if they came in on the SAME day! Why? Because a successful business is only successful by making money. And they make money by taking yours.

Am I siding with BOA? Not hardly because yes, they are a sucky bank. But you also have a certain obligation to yourself in demonstrating accountability for knowing your bank's specific policies. You may think a typical day ends at midnight but in the business world, that's not the case.

You mean nothing to them, but they mean everything to you (since they are in control of your money.) The sooner you accept this, the sooner you will prevent thinks like this from happening again.

Rule #1 for entering ANY business transaction: KNOW everything about who you are going into business with.

Translation? Personal accountability.