Bank of America

[JCShutout]

I use commerce and its nice. The people on the phone are actually helpful, and deposits go into your account right away (same day if before 2pm, before 9am the next day if after 2pm). Payments, especially with my debit card, go through quickly too, which is really nice if you keep track of your finances and hate waiting for a bunch of payments to go through to make sure your account is balanced (like me).

Plus, a previous employer bounced two paychecks one month, and I was charged $400 in overdraft fees when it was all said and done. I got my company to pay me finally, and after talking with a Commerce manager for like 5 minutes, they waived all the fees, even though they were not at fault... and they waived them quickly, like, by the time I drove home and checked my account online (15 minutes tops), the fees were gone and the money was back in my account.

[letsgocards89]

I've heard BoA has obscene check holding times

And they looooove charging fees

[sparks]

Try a credit union. I've always had checking accounts with these, and I don't think I've ever paid a fee.

I got charged $25 fom my credit union for not using their credit card for a year. They said the reason was it is to costly to maintain the records of an unused credit card. I closed my savings and checking. They asked me if there was some sort of problem, I said it was to costly to pay a fee for a credit card I didn't use.

I am sure there was something in the credit card agreement that I didn't see but it kind of rubbed me the wrong way.

[TheoSqua]

I use commerce and its nice. The people on the phone are actually helpful, and deposits go into your account right away (same day if before 2pm, before 9am the next day if after 2pm). Payments, especially with my debit card, go through quickly too, which is really nice if you keep track of your finances and hate waiting for a bunch of payments to go through to make sure your account is balanced (like me).

Plus, a previous employer bounced two paychecks one month, and I was charged $400 in overdraft fees when it was all said and done. I got my company to pay me finally, and after talking with a Commerce manager for like 5 minutes, they waived all the fees, even though they were not at fault... and they waived them quickly, like, by the time I drove home and checked my account online (15 minutes tops), the fees were gone and the money was back in my account.

++

Btw, JC. You better like the freaking website next month!

[JCShutout]

I use commerce and its nice. The people on the phone are actually helpful, and deposits go into your account right away (same day if before 2pm, before 9am the next day if after 2pm). Payments, especially with my debit card, go through quickly too, which is really nice if you keep track of your finances and hate waiting for a bunch of payments to go through to make sure your account is balanced (like me).

Plus, a previous employer bounced two paychecks one month, and I was charged $400 in overdraft fees when it was all said and done. I got my company to pay me finally, and after talking with a Commerce manager for like 5 minutes, they waived all the fees, even though they were not at fault... and they waived them quickly, like, by the time I drove home and checked my account online (15 minutes tops), the fees were gone and the money was back in my account.

++

Btw, JC. You better like the freaking website next month!

They're updating their site? Do you work for them?

Their use of their website (and fast uploading of transactions) is great. I've gone to Schnucks on my way into work using my debit card, come in 5 minutes later and check the website (I update my spreadsheet every morning) and the transaction is already posted.

[cardinalkarp]

Bank of America works the same way as far as using your debit card and 5 min later its on their site.

[JCShutout]

Bank of America works the same way as far as using your debit card and 5 min later its on their site.

Checks deposit quickly at commerce. Like, same day or next morning.

[cardinalkarp]

Bank of America works the same way as far as using your debit card and 5 min later its on their site.

Checks deposit quickly at commerce. Like, same day or next morning.

Same as bank of america. Before 2pm same day, after 2 next day.

[haltz]

Bank of America works the same way as far as using your debit card and 5 min later its on their site.

Checks deposit quickly at commerce. Like, same day or next morning.

Same as bank of america. Before 2pm same day, after 2 next day.

That's how it is for guaranteed checks I think, but personal checks are apparently a whole different story. For me it's ranged from 3 days to 9, which seems insane. I've never dealt with something like that at a bank, and according to them they are just following federal regulations or something.

[cardinalkarp]

That's how it is for guaranteed checks I think, but personal checks are apparently a whole different story. For me it's ranged from 3 days to 9, which seems insane.

Are you talking about personal checks that are written out for bills? I think much of that has to do when the person/place you send it to actually cashes or deposits the check. Some take longer than others.