Revese Bank Overdraft?

[dejet]

Why the fuck are you using a bank? Find a local Credit Union, better service, lower fees, and they're not actively looking to screw you over.

and it takes a week to clear a check. I have both a Credit Union and a account with a real bank(the one I work for). I can deposit a check in my credit unions and it will take 2~7 days depending on the check. With my bank I can clear up to 10,000 in a single day regardless of standard delays. I also have zero atm fees and they refund up to 30 a month for other banks atm fees. currency's are better rates, bla bla bla.

this is the main selling point for me with my normal bank account anyways. Outside that a credit union is the way to go really.

Outside never looking there is no reason to overdraft. and overdraft protection? lol 20~30% interest rate. I would stay away from that...

also, how are you going over? you have a phone? they show you pending fees and your total balance and then do you not keep a running balance of your account? You have no one to blame but yourself if you overdraft; keep tract of your own money.OP you should hit up the home branch, you have a much better shot if the phone people turn you down.

edit: They may also just hit you with one fee and refund the rest.

[Rhinox]

I find the best way to avoid overdrafts is to STACK YOUR PAPER HIGHER SON

just deposited my paycheck via my bank of america app about 5 minutes ago, shit was so cash

Fucking love this guy

[archibaldcrane]

ilu2bb

[tyven]

Apparently I am the only happy Wells Fargo customer LOL

[Kohan]

Though the common advice is to go with a credit union, I ultimately decided that I didn't want to when I was switching banks, and I went with US Bank. I've been with them for a number of years now, and not only do I have checking and savings accounts there, but I also have opened a credit card with them. They've always treated me well, including during shitty times (e.g., after a robbery), which is a bank's true test—their reps have also always been straight with me in relation to the upgrades they're obligated to offer, even if I didn't take them up on them.

That, and I'm apparently far from the only person who is satisfied with them, according to this table-breaking image that I haven't the time to resize:

Spoiler: show

They're my recommendation.

[Moss]

I haven't had any issues with them. no problems with Chase yet either

[shepardG]

USAA all the way, litterly one of the best things about being in the military. I have never had better banking service than through them. It's honestly scary sometime when you call and they are asking how your doing, and how's your wife, and their employee's have to be getting paid a bit better than most, cause the phone reps seem interested in their job, and have direct access to actually make immediate changes.
Anytime you have to be transfered they will make the call with you on the line, and introduce you to the new person and explain what you want before they ever hang up.

They don't have branches except in a few spots around america, but they reimburse all ATM fees up to like some retarded ammount of transactions (i fucking never have cash anymore except for maybe once a month or some shit)

They also have awesome car/house insurance, great car loan rates, mortgage rates are avg, to a bit below, and they surprisngly keep up with trending technology (deposit by phone, web site is smooth, app is smooth, etc.)

Also i actually closed my Bank of America accounts today.... fuck that bank and everything about their entire corporation. I litterly took like a cargo pocket full of suckers off the counter when the lady when to get the 2$ bills i requested..... pay backs a bitch, fuckers.

[Moss]

USAA all the way, litterly one of the best things about being in the military. I have never had better banking service than through them. It's honestly scary sometime when you call and they are asking how your doing, and how's your wife, and their employee's have to be getting paid a bit better than most, cause the phone reps seem interested in their job, and have direct access to actually make immediate changes.
Anytime you have to be transfered they will make the call with you on the line, and introduce you to the new person and explain what you want before they ever hang up.

They don't have branches except in a few spots around america, but they reimburse all ATM fees up to like some retarded ammount of transactions (i fucking never have cash anymore except for maybe once a month or some shit)

They also have awesome car/house insurance, great car loan rates, mortgage rates are avg, to a bit below, and they surprisngly keep up with trending technology (deposit by phone, web site is smooth, app is smooth, etc.)

Also i actually closed my Bank of America accounts today.... fuck that bank and everything about their entire corporation. I litterly took like a cargo pocket full of suckers off the counter when the lady when to get the 2$ bills i requested..... pay backs a bitch, fuckers.

yeah USAA is the shit, I have a credit card through them. I need to do my checking through them as well. best company evar

[Osede]

Apparently I am the only happy Wells Fargo customer LOL

I was recalling that if you have saving account with them, it will draw the money from saving account instead of letting you get the overdraft thing. But it might only apply for student checking and saving thought.

[Abandon]

I have Navy Fed and USAA, depending on what I'm doing. I ain't got no worries

[Churchill]

USAA, feels good man

[dejet]

I was recalling that if you have saving account with them, it will draw the money from saving account instead of letting you get the overdraft thing. But it might only apply for student checking and saving thought.

most will do this, however you need to do some paperwork that allows them to draw it out. Odds are there will be some charge for the transfer over.

[Acevalefor]

and it takes a week to clear a check. I have both a Credit Union and a account with a real bank(the one I work for). I can deposit a check in my credit unions and it will take 2~7 days depending on the check. With my bank I can clear up to 10,000 in a single day regardless of standard delays. I also have zero atm fees and they refund up to 30 a month for other banks atm fees. currency's are better rates, bla bla bla.

this is the main selling point for me with my normal bank account anyways. Outside that a credit union is the way to go really.

Time for your credit union to join the 21st century. I understand the reasons for using a national bank. I don't have any use for any of the perks they offer over a local CU. Furthermore, my CU runs everything real-time. If I deposit a check, it is available as soon as it is deposited. The only exception to real-time transactions is if I run my card at a restaurant or gas station where they don't batch until the end of the shift. That is when tracking my own spending becomes important, but everyone should already do that. Unitus CU also refunds other ATM fees up to $25 per month as long as your average account balance stays above $1000.

The best part of my CU is the lending programs they offer. 6.5% APR on an $8,000 auto loan with no credit.If I had sufficient credit history, I could have gotten 4.5% APR. They also have student loan programs that are pretty nice as well.

[Aylee]

Time for your credit union to join the 21st century. I understand the reasons for using a national bank. I don't have any use for any of the perks they offer over a local CU. Furthermore, my CU runs everything real-time. If I deposit a check, it is available as soon as it is deposited. The only exception to real-time transactions is if I run my card at a restaurant or gas station where they don't batch until the end of the shift. That is when tracking my own spending becomes important, but everyone should already do that. Unitus CU also refunds other ATM fees up to $25 per month as long as your average account balance stays above $1000.

The best part of my CU is the lending programs they offer. 6.5% APR on an $8,000 auto loan with no credit.If I had sufficient credit history, I could have gotten 4.5% APR. They also have student loan programs that are pretty nice as well.

Second this. If I cash a check it is in my account before I can get out the door. Love my credit union! Amazing intrest rates and a hell of a lot easier getting shit done in a small corporation vs a nation wide Institute

[Ddz]

I bank with BECU credit union. Gain interest on both checking and savings accounts. I have a line of credit that I linked to overdraft and I also have my auto loan with them for 2.49%. They refund all ATM fees from other banks to $0.01 and don't charge me fees for anything.

[tyven]

I got homies that work at Navy Federal and homies that belong to USAA and im over here paying 9% on my car like a fucking dick cheese

[AidenCarby]

People's Bank in CT is the shit, used to have Wells as one of my banks back in Cali..there was always drama with those fucking jews. Leave them asap.

[archibaldcrane]

I got homies that work at Navy Federal and homies that belong to USAA and im over here paying 9% on my car like a fucking dick cheese

you're paying 9% on your car wtf is wrong with you

here https://www.penfed.org/used-auto-loan/

[Melena]

I have WF as well, and while I "hate" them, the best way to avoid getting pissed at them to beat them at their own game. I have a Checking & Savings account and I get around the fee's by letting them auto move money from checking to savings every payday, which I move right back to checking since every extra dollar I have is going to pay down my debt (one last 885 dollar payment on my civic and it's paid off 7 months early feelsgoodman.jpg)

My wife's credit is tanked due to shitty decisions she made before we met, so she has her own account right now and she just auto sends her paychecks over to my account every friday for no fee and her job pays her enough where her direct deposits wave the maintenance fee.

[tyven]

you're paying 9% on your car wtf is wrong with you

here https://www.penfed.org/used-auto-loan/

had p bad credit when i bought it I NEED TO REFINANCE BUT IVE ALREADY REFINANCED ONCE. HELP