marvholly
Junior Associate
Joined: Dec 21, 2010 11:45:21 GMT -5
Posts: 6,540
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Pissed
Jun 30, 2013 6:14:34 GMT -5
Post by marvholly on Jun 30, 2013 6:14:34 GMT -5
Stopped at my bank ATM at 3:45 Sat afternoon to get some cash. Both ATM lanes were closed/blocked off. This is NOT ‘service’ I am willing to accept. This bank is generally real convenient as I pass a location just about everywhere I travel (grocery shopping, near DD1, near DD2).
I have not been happy w/this bank for a LONG time but I REFUSE to deal w/the big boys (CITI, BOA, Chase, WF) due to their well known & long documented customer service issues & constantly changing Terms & Conditions (never in the consumer’s favor). I’m going to have to go bank shopping.
I want: Reasonably quick loading on-line bill pay (have had others, this is WAAAY slow) Convenient locations FREE checking (I am a senior) without a boatload of requirements/high balance
I do intend to both file a complaint w/bank corp and have a ‘discussion’ w/local branch mgr.
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milee
Senior Associate
Joined: Jan 17, 2012 13:20:00 GMT -5
Posts: 12,344
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Post by milee on Jun 30, 2013 7:12:23 GMT -5
Does this happen often or was this a one time event?
That's definitely annoying but unless it happens more than once, I'm not sure it's worth getting too worked up over. I guess if you've got a lot of money in that bank, have a chat with the manager. If it was a technical issue that knocked both the ATMs out at once, though, that's kinda the risk and tradeoff you have by working with a small local place.
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Deleted
Joined: Oct 6, 2024 14:17:55 GMT -5
Posts: 0
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Pissed
Jun 30, 2013 8:07:24 GMT -5
Post by Deleted on Jun 30, 2013 8:07:24 GMT -5
Marvholly in my younger days I thought that you had to have a bank. So I always had a bank. Not once did I ever stand back & think to myself "Wow, that was good service". Then I happened to be stationed where the credit union was closer & easier to get to. Well I figured that they were about the same (they do pretty much the same thing) so I switched to them. Thirty five years later I still have that account. Now to be honest I have had a bank account too but that was when I was overseas & the banks did extra stuff (like convert money) that my CU in the states couldn't do for me (& they charged an arm & a leg to do that extra stuff). When I came back to the states I changed everything back to my CU.
Some people's needs can be very complicated & they have to have a bank. Mine aren't so I'll take a CU every time.
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Deleted
Joined: Oct 6, 2024 14:17:55 GMT -5
Posts: 0
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Post by Deleted on Jun 30, 2013 8:12:58 GMT -5
I have a checking account at USAA. While you need a connection with the military to buy their insurance, anyone can get the checking account. It's 100% on-line and they refund up to $3 of each ATM fee, which means you can use any ATM. My pay is direct-deposited, of course, but when I need to mail a deposit, the deposit envelopes are postage-paid. That's the way they are. Great customer service, no BS. If you decide to change, it's a good option.
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,617
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Post by swamp on Jun 30, 2013 8:15:07 GMT -5
My banks ATM is occasionally down. They have to be loaded up with cash, the deposits have to be removed, they have to be serviced, networks sometimes go down.
Unless the ATM was down for a week, I think youre overreacting to a minor inconvenience.
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ZaireinHD
Senior Associate
Joined: Mar 4, 2011 22:14:27 GMT -5
Posts: 12,407
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Pissed
Jun 30, 2013 8:54:11 GMT -5
Post by ZaireinHD on Jun 30, 2013 8:54:11 GMT -5
TD Bank is what I like in my area that fits your requirements however if this doesn't happen too often or it was just a bad day, stay. LOL - my primary bank does I guess maintenance during slow traffic hours in the morning. I can't get info at 3AM online. also recently I went to three different townships and all three ATM can not process my request. instead of going to another bank and get charged a fee; I used my credit card to make my purchase at the grocery store. several times before I would be in line at the grocery store bags in the cart and debit card comes up declined! well....I can laugh now!
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Deleted
Joined: Oct 6, 2024 14:17:55 GMT -5
Posts: 0
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Post by Deleted on Jun 30, 2013 8:56:19 GMT -5
Two words: credit union.
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Deleted
Joined: Oct 6, 2024 14:17:55 GMT -5
Posts: 0
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Pissed
Jun 30, 2013 9:16:22 GMT -5
Post by Deleted on Jun 30, 2013 9:16:22 GMT -5
I am mad at my CU too, but because they raised my CC rate after telling me what a super customer I am. I complained & they emailed me to say they re-set my rate to the most favorable. However when I bring up my account it only says that the rate is 'variable' and does not tell me any actual rate!!! I don't truly care because I don't carry a balance, but it was the point of it.
I am going to change CU to a larger one, just have to figure out the new one because they do everything electronic & I can't even figure out my account number. Need to do that before I move a bunch of money!!!! Also need to get my kids over to that CU too. That is my #1 convenience with the CU is that I can access their accounts to transfer funds when needed. Plus the younger one has a joint CC with me there.
What a nuisance!!! Change is a pain in the butt!!!!
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Pissed
Jun 30, 2013 9:50:20 GMT -5
Post by The Walk of the Penguin Mich on Jun 30, 2013 9:50:20 GMT -5
I have a checking account at USAA. While you need a connection with the military to buy their insurance, anyone can get the checking account. It's 100% on-line and they refund up to $3 of each ATM fee, which means you can use any ATM. My pay is direct-deposited, of course, but when I need to mail a deposit, the deposit envelopes are postage-paid. That's the way they are. Great customer service, no BS. If you decide to change, it's a good option. I've banked with them since 1986 and they have superlative customer service. The first 14 years, it was while I lived in San Antonio. The next 13 years, I was in KY and doing everything either by mail, phone or on line was easy. They're gonna have to pry my ATM card out of my cold, dead hand. I'm not budging.
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Deleted
Joined: Oct 6, 2024 14:17:55 GMT -5
Posts: 0
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Pissed
Jun 30, 2013 10:06:11 GMT -5
Post by Deleted on Jun 30, 2013 10:06:11 GMT -5
I am mad at my CU too, but because they raised my CC rate after telling me what a super customer I am. I complained & they emailed me to say they re-set my rate to the most favorable. However when I bring up my account it only says that the rate is 'variable' and does not tell me any actual rate!!! I don't truly care because I don't carry a balance, but it was the point of it. I am going to change CU to a larger one, just have to figure out the new one because they do everything electronic & I can't even figure out my account number. Need to do that before I move a bunch of money!!!! Also need to get my kids over to that CU too. That is my #1 convenience with the CU is that I can access their accounts to transfer funds when needed. Plus the younger one has a joint CC with me there. What a nuisance!!! Change is a pain in the butt!!!! Just to point out...Let's say that they put a rate of 5% for a loan on your account (where you look them up). Would you still qualify for that 5% if you had borrowed 1 million dollars the day before yesterday? In applying for a loan it all comes down to where you are financially when you apply. They don't have all of that info before you apply because they don't keep a running credit check on everybody all the time. That's the reason you can't lock in a rate before you apply. Also what they do is advertise a rate (our CU had 4% for a while) & in small letters it also says that 4% is if you qualify. Same thing.
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alabamagal
Junior Associate
Joined: Dec 23, 2010 11:30:29 GMT -5
Posts: 8,146
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Pissed
Jun 30, 2013 11:17:48 GMT -5
Post by alabamagal on Jun 30, 2013 11:17:48 GMT -5
I use a local bank, converted from a credit union. We have our personal checking and my 3 kids have thier checking accounts (joint accounts) there. Never paid any fees on any of the accounts. No minimum balance. Mine has automatic deposit (paycheck) and the kids qualify for their student checking accounts. It is very easy to qualify for free checking their. I think on the kids accounts they can do 3 ATM withdrawals from other banks for free, also.
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ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ
Community Leader
♡ ♡ BᏋՆᎥᏋᏉᏋ ♡ ♡
Joined: Dec 17, 2010 16:12:51 GMT -5
Posts: 43,130
Location: Inside POM's Head
Favorite Drink: Chilled White Zin
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Pissed
Jun 30, 2013 12:38:52 GMT -5
Post by ՏՇԾԵԵʅՏɧ_LԹՏՏʅҼ on Jun 30, 2013 12:38:52 GMT -5
Not only the things listed by Swamp, but occasionally the Interac system itself will temporarily go down - which affects not only your bank, but other financial institutions as well - or commercial transactions in stores (debit card purchases).
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Deleted
Joined: Oct 6, 2024 14:17:56 GMT -5
Posts: 0
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Pissed
Jun 30, 2013 17:20:59 GMT -5
Post by Deleted on Jun 30, 2013 17:20:59 GMT -5
I hardly ever get cash from an ATM....just go to any store, buy something and get cash back with your debit card. I only use an ATM to deposit my kids' paychecks.
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Deleted
Joined: Oct 6, 2024 14:17:56 GMT -5
Posts: 0
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Pissed
Jun 30, 2013 18:19:07 GMT -5
Post by Deleted on Jun 30, 2013 18:19:07 GMT -5
Where do you live, Marvholly? I love my bank, but it's a regional one. It's Regions (not a pun).
I do use our credit union as well, but it is not as accessible. They do have a network of ATMs. But when I got a divorce in 1998, they charged $1 a month for an ATM card and also wouldn't give me overdraft coverage. My Regions branch was then AmSouth, and I got both for free as well as billpayer and the account itself with one direct deposit a month.
I recommend Regions, but it may not be where you live.
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zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,910
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Pissed
Jun 30, 2013 21:12:49 GMT -5
Post by zibazinski on Jun 30, 2013 21:12:49 GMT -5
I have BOA and have had zero problems with them.
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marvholly
Junior Associate
Joined: Dec 21, 2010 11:45:21 GMT -5
Posts: 6,540
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Pissed
Jul 1, 2013 5:36:54 GMT -5
Post by marvholly on Jul 1, 2013 5:36:54 GMT -5
The ATM being down was the LAST straw for me with this bank. I HATE their online services. The only 2 reasons I am there: they bought out another bank where I had been & liked all systems they have branches & ATMs everywhere I generally go in the metro area
To answer various questions: I live just north of Chicago & my kids are in near & FAR west burbs The other banks in the area had open ATMs (system NOT down)but I would had to pay a charge to get $ there I will question the branch mgr why nedxt time I am near there & REPEAT all my complaints re online svc
I do intend sitting down s/the phone book & my computer to find a new bank. I have several I KNOW do not meet my criteria for locations already.
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
Posts: 7,461
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Pissed
Jul 1, 2013 13:50:40 GMT -5
Post by Rocky Mtn Saver on Jul 1, 2013 13:50:40 GMT -5
The ATM being down was the LAST straw for me with this bank. I HATE their online services. The only 2 reasons I am there: they bought out another bank where I had been & liked all systems they have branches & ATMs everywhere I generally go in the metro area To answer various questions: I live just north of Chicago & my kids are in near & FAR west burbs The other banks in the area had open ATMs (system NOT down)but I would had to pay a charge to get $ there I will question the branch mgr why nedxt time I am near there & REPEAT all my complaints re online svc I do intend sitting down s/the phone book & my computer to find a new bank. I have several I KNOW do not meet my criteria for locations already. With regards to credit unions, keep in mind that most CU's particpate in the arrangement that you can do transactions at any participaitng CU location even if it's not your CU. My CU is actually located in the Pacific NW, but I do all my in-person transactions at a local branch of a local Colorado CU. I think they have the same arrangements for ATM usage.
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Peace77
Senior Member
Joined: Dec 29, 2010 1:42:40 GMT -5
Posts: 3,991
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Pissed
Jul 3, 2013 17:42:40 GMT -5
Post by Peace77 on Jul 3, 2013 17:42:40 GMT -5
I use the same arrangement as Rocky Mtn. My Credit Union is in Washington State. I haven't lived there in 17 years. I use other ATM's in the system including those at 7-11 stores. We use direct deposit whenever possible. If we need to deposit a check, we can do so through some ATM's or by mail. Our debit card is good anywhere.
They have bill pay service but I don't use it. I prefer to pay directly.
The best part is, they pay wonderful interest on both checking and savings accounts.
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tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
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Pissed
Jul 3, 2013 17:45:18 GMT -5
Post by tloonya on Jul 3, 2013 17:45:18 GMT -5
OMG! I though someone pissed themself. I came to laugh and what a dissapointment!
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shanendoah
Senior Associate
Joined: Dec 18, 2010 19:44:48 GMT -5
Posts: 10,096
Mini-Profile Name Color: 0c3563
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Pissed
Jul 3, 2013 18:04:59 GMT -5
Post by shanendoah on Jul 3, 2013 18:04:59 GMT -5
Credit Union. Mine had the no envelope deposit - we scan your checks/count your cash ATMs long before any of the banks did. And while it is a little behind on the "apps", I know they've now launched the "take a picture of the check to deposit it" app. Plus, I can use any credit union ATM and not be charged a fee. In fact, when I go to their website and ask for ATM locations, it will show me not just my CU's ATMs, but all CU ATMs in the area, so that I can go to the one that is most convenient for me.
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ZaireinHD
Senior Associate
Joined: Mar 4, 2011 22:14:27 GMT -5
Posts: 12,407
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Pissed
Jul 4, 2013 23:21:38 GMT -5
Post by ZaireinHD on Jul 4, 2013 23:21:38 GMT -5
regarding the ATM fee. I was in California for a while and my bank is only east Coast. so when I got home I called my bank and asked to get a refund on the ATM charges because there was absolutely no way I could find a branch to use. so I was forced to pay the fees.
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Peace77
Senior Member
Joined: Dec 29, 2010 1:42:40 GMT -5
Posts: 3,991
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Post by Peace77 on Jul 5, 2013 5:27:56 GMT -5
If you can't find an ATM, you can always go to a grocery store and get cash back. If you need more than $50, go through the line twice.
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doxieluvr
Junior Associate
Joined: Dec 30, 2010 11:28:59 GMT -5
Posts: 5,458
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Pissed
Jul 5, 2013 5:47:08 GMT -5
Post by doxieluvr on Jul 5, 2013 5:47:08 GMT -5
If you can't find an ATM, you can always go to a grocery store and get cash back. If you need more than $50, go through the line twice. That still costs money though. Both in the product you buy and the fee. It is much cheaper to just use the ATM.
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Peace77
Senior Member
Joined: Dec 29, 2010 1:42:40 GMT -5
Posts: 3,991
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Pissed
Jul 5, 2013 6:08:29 GMT -5
Post by Peace77 on Jul 5, 2013 6:08:29 GMT -5
There is no fee to get cash back. It's usually better and cheaper to buy an inexpensive item such as a bottle of water or a box of Tic Tac mints than to pay $2 or $3 for an ATM.
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ZaireinHD
Senior Associate
Joined: Mar 4, 2011 22:14:27 GMT -5
Posts: 12,407
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Pissed
Jul 5, 2013 7:35:43 GMT -5
Post by ZaireinHD on Jul 5, 2013 7:35:43 GMT -5
If you can't find an ATM, you can always go to a grocery store and get cash back. If you need more than $50, go through the line twice. oh yea! true on my end as well - no fee charged. Also I've notived my bank as gone into stores with their ATM.
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