New bank account and I want to use it RIGHT

Mercury · 10-15-2011, 04:50 PM

Nothing special really, I just opened up an account at Bank of America. I've had lots of accounts in the past and I did have one at BoA previously but I closed it because I wasn't using it.

My point is...

Now that I have a fresh new account I want to use the bank properly for a change. I want to use the bank like an attentive adult and stay on top of my finances.

Historically I never know my exact checking account balance. Also, I'm not a person of routine so my credit card bill gets paid whenever I drag myself to the bank. And speaking of checking account and credit cards: I want to use them both wisely for appropriate purposes as opposed to just using whichever card I grab out of my wallet first.

I want a savings plan. I want to understand intereste rates and fees. I want predictability. I don't want any slip ups.

Any 'hookan's who know how to use the bank can please chime in and help a young brotha.

fenderbender · 10-15-2011, 04:58 PM

bank of america wtf.

Terry · 10-15-2011, 04:59 PM

Aw dude why Bank of America? Their business motto is "gyp the shit out of people". You should close it ASAP and join a local credit union.

Mercury · 10-15-2011, 05:00 PM

I've had Chase for the last 9 months or so and I just don't like the way they handle my money. Their service is good and their hours and branch locations are excellent and plentiful. But the bastards hold my deposits for 24 hours before making the funds availible. That's just not cool.

Mercury · 10-15-2011, 05:02 PM

Quote:

Originally Posted by Terry

Aw dude why Bank of America? Their business motto is "gyp the shit out of people". You should close it ASAP and join a local credit union.

Pffft.... a F'in credit union? Why should I trust those hippies? They probably have $400 in their safe and make people share account numbers.

Dhomnley · 10-15-2011, 05:12 PM

Wells Fargo started charging me $12/month out of the blue. When I noticed, I called and asked. They said it was the standard fee for checking accounts with interest.

I had the free checking account, not the one with interest...

Mercury · 10-15-2011, 05:23 PM

^Got damn $12 per MONTH for checking? I wouldn't take that. Well, actually Chase was charging me $10/month now that I think about it. Bank of America charged me a one time fee of $25 which is reasonable, IMO.

But all these banks now are willing to wave the checking fee if you do direct deposite. But I know direct deposite is a scam. They tell you it's all for your convinience but I know that they could give a fuck about me. What they are REALLY after is 100% of your money on their books ASAP because they're afraid you might not deposite it with them.

I still take my checks in and cash them myself.

Terry · 10-15-2011, 05:25 PM

Don't blame me when bank of America steals all ur golds Merc.

~1~ · 10-15-2011, 05:52 PM

Hmmm, let's see...

Credit union member for over fifteen years and so far I have shelled out $15 for fees.

$15

That's less than a dollar a year.

Do what you want but if you're looking for value for your money BofA does not have it.

Kompressor · 10-15-2011, 06:24 PM

lol BoA...

I second the Credit Union, just joining one will improve your credit score. They'll also provide you with the best rates should you ever need a loan.

Use your credit card, but pay it off every month.

Don't be afraid of direct deposit.

Get money, fuck bitches.

Buds Bundy · 10-15-2011, 06:27 PM

B of A

Be very of A

Purd Hupley · 10-15-2011, 07:09 PM

Now, now, I think we can all agree that while Credit Unions are run by hippies and have $400 in the safe, BoA is just plain evil. Run briskly, don't just run, to anywhere else. A bag under the mattress. Anywhere but there.

Wherever you are, go in and talk to them. Tell them your hopes, your fears, what you're trying to accomplish. They can set up automatic payments for you, email notices when your running low on funds...that kind of stuff.

Jester4yall · 10-15-2011, 09:18 PM

I use a credit union (Solidarity Federal Credit Union ...Pay me bitches) I got to admit I've never had a problem with them. Plus free checking, savings, and a good deal on a loan for my truck. Also they got some yummy tellers

shelbert008 · 10-15-2011, 11:22 PM

Don't hate on Bank of America. I trust them with my Jew gold. They're legit.

Rubix · 10-15-2011, 11:30 PM

Tcfbank ftw. I got a hundred dollars free plus 25 for referring myself to open a business checking account. I just use it to deposit some pizza income and use it for gas and such.

Cerpin Taxt · 10-15-2011, 11:43 PM

The best answer is to kill yourself.

Really, it is the easiest way out of all of this asinine bullshit that you substitute as meaningful discussion relevant to your every day life.

Up the road, not across the street!

**SageTree** · 10-16-2011, 04:47 AM

I'm not going to bite the troll bait.... BoA....

If you want to stay on top of what is happening in your accounts...

ONLINE BANKING, use it motherfucker.

I always wanted to say that

Štulic · 10-16-2011, 05:27 AM

Quote:

Originally Posted by SageTree

I'm not going to bite the troll bait.... BoA....

If you want to stay on top of what is happening in your accounts...

ONLINE BANKING, use it motherfucker.

I always wanted to say that

Fo real, I was gonna ask why he had to drag himself to a bank to pay off his credit card, even when I had 6 bank accounts and 4 credit cards plus one store card, I wouldn't go to the actual bank building, wtf, It must be over 5 years now since I stepped a foot inside a branch, only grannies still go there.

Roach · 10-16-2011, 11:29 AM

B of A is a huge bank. And they therefore make huge mistakes.

I use Citizens....little bank, little mistakes.

No credit cards ever, and buy everything I need with debit cards.

No fee checking provided I make 5 (or more) transactions per month, interest paid savings provided I make less than 6 transferes per month.

profit · 10-16-2011, 12:19 PM

^ lol "mistakes"

@OperationLeakS: Bank Of America Fraud And Corruption Documents.

10-15-2011, 04:59 PM	#3 (permalink)
Terry Militant Pacifist Join Date: Dec 2003 Location: Moscow, Idaho Posts: 8,527 Thanks: 2,121 Thanked 2,386 Times in 1,187 Posts	Aw dude why Bank of America? Their business motto is "gyp the shit out of people". You should close it ASAP and join a local credit union. __________________ There must be quite a few things that a hot bath won't cure, but I don't know many of them. -Sylvia Plath

10-15-2011, 05:25 PM	#8 (permalink)
Terry Militant Pacifist Join Date: Dec 2003 Location: Moscow, Idaho Posts: 8,527 Thanks: 2,121 Thanked 2,386 Times in 1,187 Posts	Don't blame me when bank of America steals all ur golds Merc. __________________ There must be quite a few things that a hot bath won't cure, but I don't know many of them. -Sylvia Plath

10-15-2011, 05:52 PM	#9 (permalink)
~1~ Successful Failure Join Date: Mar 2003 Location: where 'they' can't see. Posts: 10,925 Thanks: 466 Thanked 1,581 Times in 925 Posts	Hmmm, let's see... Credit union member for over fifteen years and so far I have shelled out $15 for fees. $15 That's less than a dollar a year. Do what you want but if you're looking for value for your money BofA does not have it. __________________ "And those who are successful, be always on your guard. Success walks hand in hand with failure, along Hollywood Boulevard" Ray Davies --------------------------------------------------- --------------------------------------------------- Click Here Asshole

10-15-2011, 06:24 PM	#10 (permalink)
Kompressor Voice of Reason Join Date: Dec 2000 Location: Illinois Posts: 8,361 Thanks: 0 Thanked 3,068 Times in 1,634 Posts	lol BoA... I second the Credit Union, just joining one will improve your credit score. They'll also provide you with the best rates should you ever need a loan. Use your credit card, but pay it off every month. Don't be afraid of direct deposit. Get money, fuck bitches. __________________ Think like a man of action, act like a man of thought. -H. Bergson

10-15-2011, 06:27 PM	#11 (permalink)
Buds Bundy Pervert Gentleman Join Date: Apr 2002 Location: Vansterdam Posts: 626 Thanks: 99 Thanked 207 Times in 120 Posts	B of A Be very of A __________________ Beautiful British Columbia: Home of the Greenest Trees and the Furriest Beavers

10-15-2011, 05:12 PM	#6 (permalink)
Dhomnley YaHookan Join Date: Oct 2011 Posts: 431 Thanks: 19 Thanked 112 Times in 84 Posts	Wells Fargo started charging me $12/month out of the blue. When I noticed, I called and asked. They said it was the standard fee for checking accounts with interest. I had the free checking account, not the one with interest...

10-15-2011, 07:09 PM	#12 (permalink)
Purd Hupley YaHookan Join Date: Dec 2009 Location: The Pacific Northwest Posts: 222 Thanks: 1 Thanked 90 Times in 57 Posts	Now, now, I think we can all agree that while Credit Unions are run by hippies and have $400 in the safe, BoA is just plain evil. Run briskly, don't just run, to anywhere else. A bag under the mattress. Anywhere but there. Wherever you are, go in and talk to them. Tell them your hopes, your fears, what you're trying to accomplish. They can set up automatic payments for you, email notices when your running low on funds...that kind of stuff.

10-15-2011, 09:18 PM	#13 (permalink)
Jester4yall Spark It or Park It Join Date: Mar 2001 Location: Africa Posts: 3,653 Thanks: 2,760 Thanked 1,316 Times in 943 Posts	I use a credit union (Solidarity Federal Credit Union ...Pay me bitches) I got to admit I've never had a problem with them. Plus free checking, savings, and a good deal on a loan for my truck. Also they got some yummy tellers __________________ http://i.imgur.com/CTV2E.gif In matters of style, swim with the current; In matters of principle, stand like a rock. -Thomas Jefferson You will encounter many distractions and many temptations to put your goal aside: The security of a job, a wife who wants kids, whatever. But if you hang in there, always following your vision, I have no doubt you will succeed. - Larry Flynt

10-15-2011, 11:22 PM	#14 (permalink)
shelbert008 stoner Join Date: Jul 2006 Location: hell on earth aka texas Posts: 1,043 Thanks: 101 Thanked 157 Times in 113 Posts	Don't hate on Bank of America. I trust them with my Jew gold. They're legit. __________________ one pill makes you larger, one pill makes you small, and the one that mother gives you, doesnt do anything at all Feed Your Head

10-15-2011, 11:43 PM	#16 (permalink)
Cerpin Taxt Yahookan Zealot Join Date: Jun 2002 Location: Canada Posts: 7,213 Blog Entries: 1 Thanks: 843 Thanked 1,919 Times in 1,011 Posts	The best answer is to kill yourself. Really, it is the easiest way out of all of this asinine bullshit that you substitute as meaningful discussion relevant to your every day life. Up the road, not across the street! __________________ Step Back. Evaluate. Recognize. "All memory is really a form of regurgitation of undigested experience." -Alan Watts

10-16-2011, 04:47 AM	#17 (permalink)
SageTree ~Kalyāṇa-mitrā~ Join Date: Sep 2000 Location: In Love Posts: 23,414 Blog Entries: 26 Thanks: 13,070 Thanked 6,767 Times in 4,664 Posts	I'm not going to bite the troll bait.... BoA.... If you want to stay on top of what is happening in your accounts... ONLINE BANKING, use it motherfucker. I always wanted to say that __________________ "What's oppressive is letting your life be confined by old definitions of what everything is." -Zen Meister my_scatterheart YaHooka is.... Cannabis lovers from around the world pulling up a comfy chair, picking up a vaporizer, a bong, a brownie, a pipe, or a joint, getting high, stoned, buzzed or healthy. Uniting our minds in conversation...While Portraying a Positive Image of marijuana and marijuana users to the world. Treat your fellow YaHookans with kindness,respect and tolerance.

10-16-2011, 11:29 AM	#19 (permalink)
Roach Victoria Aut Mors Join Date: Dec 1999 Posts: 7,182 Thanks: 2,372 Thanked 1,984 Times in 1,507 Posts	B of A is a huge bank. And they therefore make huge mistakes. I use Citizens....little bank, little mistakes. No credit cards ever, and buy everything I need with debit cards. No fee checking provided I make 5 (or more) transactions per month, interest paid savings provided I make less than 6 transferes per month. __________________ לזיין את הקופים

10-16-2011, 12:19 PM	#20 (permalink)
profit restore the republic Join Date: Apr 2005 Posts: 1,255 Thanks: 818 Thanked 357 Times in 237 Posts	^ lol "mistakes" @OperationLeakS: Bank Of America Fraud And Corruption Documents. __________________ Cowardice asks the question - is it safe? Expediency asks the question - is it politic? Vanity asks the question - is it popular? But conscience asks the question - is it right? And there comes a time when one must take a position that is neither safe, nor politic, nor popular; but one must take it because it is right. - Dr. Martin Luther King, Jr. follow https://twitter.com/#!/curtiswm - sub http://www.youtube.com/user/66sicksfishstix

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