not joking. BoA basically made sure i would never bank with them after they screwed over a friend of mine. they took over two weeks to process his paycheck he deposited. in fact his NEXT paycheck cleared before it did.
i'd still like the option of an 'express lane' ATM that does cash only. preferably in 5s and 10s as well as the 20s you can normally get.
Last year I learned that USAA was open to all veterans. Back when I was in the Navy, it was only open to officers. But in SC, anyone could buy their insurance, because of some law in SC. It was civilian friends who told me about it. But when I got out, and moved back to IN, they dropped me cold. So last year when I find out they're now open for all vets, I opened a savings and checking, and switched to them for insurance. At first it was a matter of just opening the accounts, and having it there as an extra place to put savings.
But then Wells Fargo started charging for my savings account. No problem. Account closed. Then I got a job, and I set up my direct deposit with USAA. Even though my new job was with a bank, I didn't open an account there, since I knew that in a few months RBC would become PNC. Well, when PNC bought us, I went ahead and opened an account. Put a small chunk each payday from my check into it, and forget about it. Good idea, right?
Well, now PNC is selling the small specialty division that I work for to Union Bank. PNC didn't hesitate to mail me a notice of what the fees will be on my account once I am no longer a PNC employee. So on Monday when I go back to work, I will be shifting that deposit to my USAA savings and transfer all the money from PNC to USAA.
My wife still has direct deposit at Wells Fargo, but after we pull the money out each payday that we want in cash, I ACH the rest to USAA, where I can pay all my bills with Billpay, and their site also allows me to transfer money either to or from the other bank's accounts. The minute Wells Fargo starts charging a fee on our checking account, that account will close as well, since the only reason we have it is to have a place to deposit cash if needed. As it is now, I can deposit checks into USAA at most any UPS Store, and before the check comes out of the scanner, I can see the deposit in my USAA app. The only down side is that I can't deposit cash.
Banking has gotten to be ridiculous. Charge me so that you can use my money??? I don't think so. USAA not only doesn't charge me a dime, but they'll refund me up to $15 a month in foreign ATM fees. Because of their goodwill on that matter, I try to minimize the use of ATMs with that account.