The Best Places To Bank
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- เผยแพร่เมื่อ 11 ธ.ค. 2024
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It’s amazing really. We have a financial crisis, caused by greedy, reckless financial institutions. Congress passes legislation requiring those institutions to be less greedy and reckless. The institutions then lobby to have those restrictions removed, usually in the name of “remaining competitive”. This leads to another financial crisis. It’s completely predictable, and we have been doing this dance since the Great Depression almost 100 years ago.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Well, I've been researching advisors lately because the market news I've been seeing hasn't been that positive. Who is the individual who helped you, and is he or she still around?
I work with Sonya Lee Mitchell as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
For any boomers wondering, this is a bot conversation meant to trick people into giving them their business
I understand now why mr. Krabs always hid his money under his mattress
😆
@Charmin-chan jokes aside, so it’s bad to withdrawal money as a method of saving due to it loosing value? What do you suggest we do instead?
And he almost didn't get it back.
Lol
Frfr
I moved from Bank of America to a local credit union ten years ago and it was one of the best moves I've made. I have all the features of a big bank in regards to internet and phone app services that I had with BA.
I was banking with bank of America. They charged me an overdraft fee and no one could find where I had overdrawn and still refused to credit it back to my account. I closed all of my accounts and had family close theirs. I now bank with a credit union and love it.
Paranormal Entertainment when?
Not true, you spent more than you had. They wouldn't randomly charge you. Stop lying to yourself, dude.
Cash Boy yeah right you have to pay to use your own money that’s dump
Cash Boy it is true. They’re known for that. I had over 10,000 in the bank and I kept getting these weird fees. When we called they couldn’t explain why we had so many fees. It was our savings account so we NEVER made any withdraws from that account. We deposited twice a month into that account. The minimum we could have in that account was $1,000. We had way more than the minimum. So, we couldn’t understand where the fees were coming from. When we went in to speak to them they said it was a mistake and they were able to give us back SOME of the money. Fast fwd to one morning when I decided to check my savings account and I saw a chunk of my money disappeared. We panicked and went back in to see what was going on. They said it was a glitched. But when I checked my checking account, we saw a chunk of money was deposited into it the same day. A transfer I never made. They couldn’t explain what happened. I was furious and closed all of my accounts! Don’t be quick to say ppl are lying or they aren’t budgeting/managing their money correctly. This is something that happens to multiple ppl and it has been a problem for quite sometime now.
@@cashboy7406 not necessarily depending how businesses handle transactions.
As an example let's say you spend a dollar fifty today but you don't spend that $1.50 until about midnight at a convenience store
Because there's no processing that's occurring just yet you might get charged the following day
Or
The transaction might disappear which then the bank would see it as though they didn't take the $1.50 from your account so it's back in your account which would lead you to believe your account balance is higher
Then you spend that $1.50 again and then you overdraft when the other charge that disappeared finally goes through to your bank account
The manager and tellers at our local credit union are kind, friendly, amazing human beings. It's a breath of fresh air!
Bank of America is the worst bank I’ve ever dealt with and will never use them again. I hope they fail and/or someone (or group) punishes them.
it took me 4 hours to close my acct
I hate BOA
They'll straight up lie to your face. Crazy how people even use them.
Worst bank in America
As a Platinum Honors member with BOA, their service is actually pretty great. Most fees waived, discounts on loans, bonuses on top of bonuses on credit card rewards, can’t complain.
I hate wells Fargo.
J sav Wells Fargo was also investigated for their illegal malpractice.
Wells Fargo are THEIVES!
They’re the worst
I got them, i like it. Not bad
J sav I love wellsfargo. No fees at all. What’s the problem buddy?
I’ve always been treated well at Bank of America. I’ve been with them for 12 years. So far so good.
Im with dave on this one. I grew up in a small town. Open the savings account at a local bank when I was 13. Over the course of the next few years I got to know everyone at that bank. I went to school with most of their kids. Any time that I found myself in a bind financially I could always go to them for assistance. If I needed help managing my account or if I needed a small loan to cover unexpected expenses, I can get it no questions asked. Almost like the old days of working with a handshake. Eventually they got taken over by a multinational Bank. After that I couldn't get anything from them. Despite all of my history with them I couldn't qualify for anything. The bank of eventually got sued because they were fudging people's accounts to create overdraft charges. I close my accounts with that bank at around that time now I use a different local bank and a credit union
That's a sad story :(
I have always been with credit unions and now I work for one. They work for the members, big banks work for the stockholders. Way different atmosphere. CU's have shared branches and atms across the USA.
I signed up for Chase business checking 2 weeks ago. Worst banking experience in my life. They already suspended my account twice for trying to make an initial deposit. Wasted 1 hour on the phone waiting to talk to customer support, which was someone in India that told me to go to a branch.
I was in banking for years...I never knew greed existed on the level I experienced daily. It's disgusting.
I’m 19 and I’ve been watching Dave Ramsey and I feel bad for people who have Wells Fargo
jvda I’ve heard so much garbage about Wells Fargo. I’m 19 too.
Im 21 homie. Been with wells fargo since I was 13 this Monday morning after work im going to go cancel my Wells Fargo account & check a credit union out
@@elevatedcuatro2683 Im 97
Me lml I’m trying to see where to bank somewhere other than Wells Fargo
Of course i was thinkn about wells fargo when i came here..
I'm 55 years old, and my 80-year-old parents held a Bank of America checking and savings account, plus a credit card since I was a child! They started charging them a servicing fee on their checking account!! A fee, in their senior years, and after being loyal customers for close to 50 years! But, my mom wanted to stay with them🙄 Finally, they closed their doors here where we live-good riddance! And my parents now have free checking and a little respect. 😊
Bank of America is ridiculous with fees.
So true. I had several personal and commercial accounts with Bank of America when I used to own a business, and at first, they treated me with a little more prestige. But, that prestige came at a cost. They started bilking us with ridiculous fees, and even had the nerve to charge us overdraft fees that were clearly their mistakes. Even when I tried pointing it out to them, they wouldn't budge. Eventually, I had enough and severed all ties with them; right about the time when they got that $20 Billion bailout gift in 2009. Oh yeah! And I'll never forget all those extravagant parties they threw right after they got all that money, right in the middle of a great recession, and weren't even hiding it. As if they hadn't a care what the public thought. All that at our expense, of course! I'll never do business with a big bank again. Bank of America is the BOA constrictor!
Agreed
Bank of America, the location where I Live in Brooklyn NY treat me very well. I had problems and they understand it and they have taken good care of it. Never could of been more happier. They even waived an overdraft Fee once or twice with no hesitation. I was in totally shock.
Our mortgage is through Wells Fargo and we can’t wait for the day when we say buh-bye in a few years!!
Stephanie Gomes - Us too!
Stephanie Gomes so you replied to yourself? Lol
Same here!
So like in 30 years
Yeah, we said bye-bye to them when we sold our house. Now our (new) mortgage is with discriminating CitiCorp (until they sell it to someone else, anyway). Out of the pan and into the fire, Arrrrgh! Can't wait to be mortgage free!
Join a credit union and attend the annual meeting. How many banks invite their customers to the annual meeting?
comparing apples to oranges
President Evil not really. Banks invite their share holders to annual meetings, and so do credit unions. The difference is EVERYONE who has an account at the CU is share holder, thus can attend.
I couldn’t care less about attending these meetings.
They got daily meetings.
What happens at the meetings?
I left Wells Fargo because of horrible customer service. I went to Chase, which a big bank, but they always have great service. It's just more convienent because they have banks everywhere. I would quickly leave if service ever got bad.
I bank thru a credit union but my house is thru Chase.. terrible bank! They tried to increase my mortgage, they didn't send me increase papers then tried to say I was in foreclosure when I was always paying! It was a nightmare!
chase is horrible they did the same with my auto loan and ruined my credit (even though I payed on time)
wow sorry to hear this happened to you. Dang, I actually like Chase.
Chase is good! That's too bad you guys had bad experiences.
I’ve heard bad things about chase. I have them for my credit cards and never had a problem.
@@WhereWeRoll Hmm, I have Chase as my checking account and I love them
As a former big bank employee that quite less than 2 months ago yup on point about them. Folks aren't a person they're a number that you're always trying to squeeze another sale out of
Credit unions and Usaa.
BECU? What's that?
Boeing Employees Credit Union.
Been with navy Fed for 9 years. My savings is in my has a account. My income goes to my navy fed credit account. I only have a chase account to pay my rent via cashiers check. I dont pay chase any fees because I am a veteran.
USAA is the best by far.
Eugen Baidiuk I’m actually about to switch to Bank of America today. Sorry but BECU just isn’t convenient.
Navy Federal CU is the best thing that ever happened to me. :)
Taylee Nicole yes they are good ..
Taylee Nicole I will like to chat with you more . So you care for chat ?
Yup the best
Taylee Nicole Facts!
EVERYONE says that! Lol. I also hear a lot about USAA.
Been with SunTrust for over 30 years. Still feel like a hometown bank. Shoutout to SunTrust in Miramar, Florida!
Suntrust and Bbt got bought out from Truist but I still like them so far.
I bank at BoA and they always treat me very well and have handled disputes promptly and efficiently.
I bank at TCF bank. It's a regional bank that usually operates in the midwest area (though it is spreading outside the area). Completely free checking, and saving accounts only need $100 to avoid fees.
he is right bank of america charge you a fee to maintain checking or savings account plus there intrest rates for anykind of loan are high
Matrix 0679 . Bank of America charges for everything.
Hi It's Me Mind Your Own Business they do. They charged me a 38 dollar fee for Costco's mistake with a check
Not if u get direct deposit
Bofa haven't charge me a brown penny in years
I opened a student account with BofA in 1990, converted to a regular checking when I turned 18. Had one charge, my dad’s $20 Christmas check bounced (yeah) and I had $23.71 in the account. They charged the $20 and $3 bounce fee, leaving me $.71 but no other fees. I’ve been loyal ever since and never had an issue. The mobile app and online bill pay features work great. Their interest rates are terrible but for checking/savings they have been decent enough for me.
Chase bank has been the best for me
Chase foreclosed on thousands of people - WITHOUT TELLING THEM THEY WERE DOING IT!
Credit Union only, over 40 yrs now. 👍🏼
It would have been nice if he would’ve told us which Banks instead of just rant like he always does
He did he just didnt name any specifically, if you weren't an idiot you could figure it out
Just being bitter. Only sheep follow him.
Awesome video! I've been on the fence about closing my bank account. This really helped! Thanks Dave Ramsey!
I've had the opposite happen with me. For some reason I get better overall service with a national bank than a credit union.
Been a Wells Fargo customer since 2005. Never been mistreated. They qualified me for a loan with a decent interest rate. My credit union took forever to qualify me, and when they finally did, it was far less amount than what I needed. WF also has ATMs everywhere in the USA. Great for when you're out of town.
I once inquired for a car loan at WF. The guy there actually suggested I go with a credit union because they offer car loans at lower apr. I appreciated his honesty. Thankyou Wells Fargo!
L
COOOL one person lives after jumping off a 14 story building MOST PEOPLE DON'T have fun with one of the worst banks known to man!
I love my credit union. We have been with them 14 years. 😃❤️😃
Which one would you recommend
I have been a member of my local credit union for 20 years now, I usually walk in and go the counter and they already have me pulled up on the computer before I say anything to them, I would never do business with a corporate mega bank ever. The only correlation I have with Wells Fargo and Bank of America is they happen to be in the index funds I invest in through Vanguard, "that's it"
Great Advice!
Had wells fargo since 2008. I finally closed it out and transfered my funds to my employers Credit Union. I'm treated better.
Navy Federal has been absolutely amazing to me
is that for military only
@@Daddyvader7 If you know of someone that has an account with Navy Federal that person can put a word in for you so that you can open an account there. Either in person or over the phone.
Absolutely! I love NFCU. I'll never bank anywhere else! As a former call center employee, I can say first hand that they train their employees to jump through hoops for their customers.
I have two banks, Security Service FCU and USAA. I have zero complaints with either one.
Came looking for a decent video but this is beyond what I expected 🙌🏻
Navy Fed is a great credit union. Been a customer for 20 years now. Super happy
I can greatly agree.
I’ll concede this point, if you’re using debit cards and constantly going close to $0, and in danger of overdrafting, banks like BoA are not the bank for you. Their business model isn’t geared towards focusing on these marginal individuals, and they charge these nuisance fees to tell the customer to either shape up or get out. They don’t really want these customers.
The ones they really want are in their preferred rewards program where if you have a great amount of assets with them in their investment programs, then you’ll find a lot of their fees suddenly become waived. These are the long term steady clients they are seeking and want to keep.
BoA/Chase/WF aren’t evil, they’re just banks, just like a credit union. They have an audience segment they like to cater to and the services and rewards are quite rich for that segment.
Ok blue pill
USAA, PENFED, and Navy Federal Credit Union, nuff said!
You never do business with mega banks.
USAA is the worst
I use Bank of America and wife uses a credit union. I get my money deposited on my account, spend my money and never think about it.
My wife on the other hand has had issues with her deposit going in, money getting stuck in the ATM, constantly has to go to the ONE branch for basic transactions. No thank you. You can have your "personal connections", I'll take convenience any day!
That's "her" credit union. Try the Navy FCU, or other. There's no better convenience than personal service. How can you get personal service at a BoA or WF? Not at our local branches. I went in to a Chase bank once, talked to a nice lady. Bought a CD. Two weeks later, went in and - you guessed it. She wasn't there anymore - transferred to another branch. So the replacement didn't even know me. And all she wanted me to do was buy another CD?
@@morganfbilbo462 this comment is 5 years old lol. Totally forgot about this.
Get a NBKC interest bearing checking acct. Zero fees. They have branches. Not just an online bank. Also have ATM fee reimbursements.
As a company they’ve made some bad decisions from my consumer point of view they have one of the best interfaces around and I love that
BOA is terrible!! Fees for everything! 12 bucks to transfer to your checking from savings if you overdraft. 12 bucks monthly fee if you don’t have direct deposit.. I’m closing my account this week and putting the money into my credit union account I’ve had for years with no problem..
I would like to know Dave's opinions on online banks like USAA and Ally (formerly GMAC)?
Jackie Counihan
Usaa is a wonderful bank. So easy to use, transfer funds etc. They also have very good fraud protection including the fact all the different type of affordable insurances they provide for cars, homes,etc
love USAA never hear about them in the news either. they treat their customers pretty well. I had their renter's insurance and even though I had no damage during the last few hurricanes they gave me a food stipend for my food loss caused by the lost power... who does that!!!?? 😁😁
Jamie Cone I got my food reimbursement too!
I love USAA. It’s truly the best.
I bank with usaa and the only con is the paper money issue. You have to get a money order and write it to yourself and then do the mobile deposit. 10,000 daily limit would be a problem for a large business. I don't have that "problem" though. Great customer service!
Try Frost Bank especially here in Texas. Most of us, their customers tend to remain with them. Great local Frost Bank here in Texas.
I've been looking into Frost (Austin girl here) how are the fees?
Bank of America is the worst, and yet, every time I drive by the local BoA branch near me, the parking lot is packed and the bank if full of customers...I just don't understand it.
I can relate to the mishandled paper work being mailed to me over and over and over again.
I had a Wells fargo account. I got hit with a huge overdraft fee and when I went in to querry it, The lady fixed it on spot right then and there. No hassle or anything. I've loved Wells Fargo ever since.
I don’t have issues with them but I’m hearing so much bad stuff
People don’t like them cause there broke and get charged with fees. I have Wells Fargo & never had a issue once
@@inthebooks3947 that’s what I’m thinking tbh, if you have money in your account your good tbh. But people have issues when they over draft and get the fee, or can’t remove transactions that’s their fault, etc.
My experience says otherwise. Small local banks are pain. They give zero respect to clients with small deposits.
“If every person in America took their money out of the big 5 banks and opened accounts at local banks-it would be a create a complete revolution overnight”. Catherine Austin Fitts
What about taking out a loan from an employee credit union? I’ve always felt that, if you borrowed from them, they truly have direct access to your paycheck and it might feel slightly uncomfortable.
Any bank you do with business with, in essence, can access your paychecks through garnishment if court approved.
Bank of America has worked well for me for checking, savings and bill pay.
I've said this for years and nobody would believe me. I swear people would rather trust fancy commercials and follow the "normal" people route.
People used to rob banks, now banks the robbers!
I love Suncoast and Fairwinds Credit Unions❤❤
I dropped Bank of Am years ago...
We bank at a credit union. We've held the account for twenty-five years
Thanks Dave! Appreciate the information
Ally Bank savings account interest rate is 1.25% APY
Medic311 1.80%
2% currently
It is 2.2% not a great place to invest so dont put a lot of your money there however it is a good place for a rainy day fund.
1.9
Stock markets better
I bank with First United Bank based in Durant, Oklahoma. They are everywhere in Oklahoma, especially in small towns. State banks aren't the worst but not the best.
I will never bank with a credit union again. Those places are lacking badly in security. Someone hacked my account at the credit union and I saw them run my account dry before my very eyes. I found it really suspicious that the credit union stopped sending me my bank statements. They new my account got hacked and tried to hide it from me. I found out later and am very happy banking with a larger bank now.
Where do you bank now ?
I have bofA and hate it!! I’m closing it ASAP !
I actually disagree, I’m 19 years old, and my generation is obsessed with technology, and I actually love Wells Fargo because I don’t have to meet a single person from that bank. All I do is online banking, and their system is actually really intuitive.
You should try Ally or an online bank. Nothing wrong with Wells Fargo if it works for you, but it could be a better over all deal. Especially if you love the online aspect!!
What’s your suggestion for a military member? I have a local bank, however I’ve been stationed in Japan so it’s truly inconvenient. I’ve thought of going to Navy Fed. For the most part they are on or near every base. Thank you for your information, I love it.
Well said Dave, I agree with you one hundred percent.
You know I never thought about this. I do like Navy Federal credit Union. I may look into this, as far as a regional bank.
Haha. I knew a guy who worked at Wells Fargo. He was pushing everyone he knew to open an account. Finally, he just got sick of it and quit.
I’m surprised that Wells Fargo was not bought out yet
My credit unions have always treated me great sometimes better than I deserve
Are you sure?
how to you find a list of "regional" banks that aren't mega big national/international?
My bank wouldn't give me a loan for a house that I was putting 90% down on and had good credit and good income with steady job. It had a lot of land and didn't consider it a home loan. They were going to make me have it surveyed to have it split up into 2 tracts then pay for 2 closing costs. This would have cost about an extra 8K. I told them to keep their money and figured out a way to just buy it outright. It should have been the easiest decision they would make to approve a mortgage. But when I was 23 before I graduated college. I put 0 down on a new truck (dumb decision on my part) and basically had no credit and same bank gave me loan with no issues. Banks don't use common sense.
Ally Bank has some of the greatest rates and best customer service!
This would've been nice if this actually told us the best banks and not just a rant...
classicstorm Their Is Know Best Bank The Best Bank Is You Holding Onto Your Own Money Choose The Lesser Of Evils 😀
For real, I was waiting for a list of names or something
I've closed and open an account with Chase so many times...no more. I am done with them.
CandyCandy they have terrible interest rates too
I deal with Bank of America I deal with chase bank and KeyBank but it had fees now I have capital one and I love this bank so much I’ll never leave it there is no fees at all love it 😍
Carlos Oliva schwab is better
Agree with his opinion with choosing banks. Just like a relationship, period. Well Fargo will never gain my trust after plenty of peoples reviews
Chase is TERRIBLE as well! I was with Halliburton Credit Union and was by FAR the best I have been with!
mq77016 really chase has been very good to me?!?!
Me too!
F chase 😂. Got my debit card frozen three times this year because of possible fraud ( there wasn’t any) and had the call them every time to get it removed. I am thankfully getting rid of my chase account and using different banks now
Radiantkid same 😅 I’ve had chase for years and had no issues with them
Chase is the devil!!!!!!!!!!!!!!!!!!!!!!!
Ally Bank: 2% annual return on savings account, no maintenance fees, overdraft fees, or minimum balance requirements. 24/7 phone/online chat support. Best bank in 2019...
Just close my WF account done with those fool for life
What if your bussiness requires you to have access to your bank (cashiers checks and etc) in different states?
omaxman1 USAA
omaxman1 credit unions link up all over the country.
Look for something called shared branches with credit unions. It used to be called (or may still be) CU Service Centers so look that up. That is where you can have your account with one credit union and access it at another credit union's branch as long as they are part of that program.
Greyson Peltier They still call them Credit Union Service Centers. They go by both now.
Wondering what Dave thinks about banking at places that require a military background like Navy Federal or USAA.
I love em.
I'm sure customers there are treated much better than any traditional civilian bank.
Not neccasirly USAA sucks I would avoid them like the plague I closed my account with them after they failed me. They left me stranded on the side of the road on the highway in the summer and they also did not help me when I had a fraudulent charge of 1500 I lost that money and was called a liar even though I submitted proof they didn’t consider the charge fraud. They never provided me a check book even after I paid twice for checkbooks. There is only one physical branch in Texas not many usaa arms. Pen fed and navy fed have banks and atms and have not done me wrong yet. Penfed is decent. navy fed is alright too. I’ve had a personal loan through pen fed and a car loan through navy fed.
Sound advice thanks!
I really like USAA Bank - they may be good but the service is fantastic
Here because Wells Fargo has me AND my money all the way messed up
Straight up facts
thank you for the info man
I've never actually had a single fee charged by bank of America. Only switched to them because they're everywhere
Bank of America only charges you if you don’t have good amount of money in the savings and also if your not working that checking account, If you planing living paycheck to paycheck then don’t do business with them . : )
I’ve been with WF for 20 years. I’ve never had an issue with them but I don’t like that whole scam they were doing. I want to switch over to a credit union but it’s hard to find one I trust.
I agree, most banks are usually good and the credit unions, which I use, are just fine with slightly better rates. I never dealt with a huge bank just cause I never needed to. Personal preference I suppose.
I bank through Schwab, Ally, and Marcus. Online banking is really the way to go.
did you have to provide a signature card?
I love your Videos...I think I’m the only person on here that hasn’t had any issues with BOA...I’ve been a customer since 1970 when it was then Maryland National I think... I have 0 dollars in service fees, Overdraft protection ( which I hope I don’t ever need to use) I do most of my banking online. I just don’t get any loans from them , If we need a car loan I use our credit union which I keep a savings account there. Guess I’ve been lucky 😮
How do you feel about chime and ally and stuff like that?
Ally bank ! One of the best interest rates for a savings account.
Ben Dover I’ve been using them for years with out any issues
Not anymore, less than 2% is pathetic. Don't care if it's "better than most banks" it's insulting I want 10%
@@cashboy7406 come to Bangladesh then
Cash Boy Put half into saving and invest the other half
I bank with Woodforest national bank and don't seem to have to many problems with customer service and other issues
Wells Fargo is rude. Key Bank will sit there telling their customers off for no reason. Bank of America is just as bad. Discover checking locks you out of your accts & ur not able to get ur cash out of the debit card no matter what atm you go too. It's like they want you to keep calling them up then they keep you on the phone for a half hour asking stupid questions. Robinhood's debit won't work in atms in the same way. I'd avoid those for a checking acct.
Don't overlook online banks!
I do have a brick and mortar account with a regional bank for my walk-in needs, but online banks offer some great perks and benefits, sometimes 24/7 support! You can have both.
Ally Financial!