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Started By
Message
I need a new bank, I'm tired of dealing with Capital One
Posted on 6/22/12 at 10:12 am
Posted on 6/22/12 at 10:12 am
I live near Arlington, TX. Any suggestions? Thanks.
5
Posted on 6/22/12 at 10:25 am to LSUSUPERSTAR
ING Direct, FTW.
Stick it to Capital One.
Stick it to Capital One.
Posted on 6/22/12 at 10:29 am to LSUSUPERSTAR
Go local. You should get better service.
Posted on 6/22/12 at 10:42 am to TheHiddenFlask
quote:
ING Direct, FTW.
Stick it to Capital One.
Capital One Says ING Direct Won't Change With Purchase
Posted on 6/22/12 at 10:42 am to LSUSUPERSTAR
quote:
I need a new bank, I'm tired of dealing with Capital One
I live near Arlington, TX. Any suggestions? Thanks.
Are you a veteran or have a family member / married into family that is?
If so, USAA.
If not, USAA. They offer free checking and savings accounts, but you won't have access to their insurance product offerings.
This post was edited on 6/22/12 at 10:44 am
Posted on 6/22/12 at 10:51 am to Will Cover
quote:
Capital One Says ING Direct Won't Change With Purchase
I'm glad YSWIDT.
Posted on 6/22/12 at 10:55 am to Will Cover
quote:
Are you a veteran or have a family member / married into family that is?
Is it only for veterans or active people also? My wife's brother in law is in the Coast Guard. He's the closest person I know in the military.
So ING is now owned by Cap One? That sucks. Anybody have any experience with Frost Bank in Texas?
Posted on 6/22/12 at 11:12 am to LSUSUPERSTAR
quote:
Is it only for veterans or active people also?
Both.
quote:
Anybody have any experience with Frost Bank in Texas?
I have a friend that is with them. She also banks with USAA.
Posted on 6/22/12 at 11:17 am to LSUSUPERSTAR
Charles Schwab. Its the best:
-free checking
-refunds on ALL atm fees (you can use any atm for free)
-plus interest on your checking account
It might not be for everybody, but for me it beats Chase, Wells Fargo, BofA etc...
-free checking
-refunds on ALL atm fees (you can use any atm for free)
-plus interest on your checking account
It might not be for everybody, but for me it beats Chase, Wells Fargo, BofA etc...
Posted on 6/22/12 at 11:20 am to night83
Everyone is giving suggestions, but no one even knows why this guy is mad.
Posted on 6/22/12 at 11:32 am to night83
quote:
Charles Schwab.
I'll check them out also and am bookmarking this thread.
Now for my tin foil hat findings and potential issue with Cap One. We closed down a BoA CC and auto pay each month on the balance. It is set up to be charged on the 20th, which gets posted to our Cap One checking acct on the 22nd or later. This month the BoA was charged on the 21st which over drafted us for less than one day (yes I know, poor people's problems). I keep all my checking acct data on an excel spreadsheet. The last time they posted the charge on the 21st, it caused OD fees. Both times a paycheck posted on the 22nd which would have avoided the fees if the charge would have been posted on the 22nd. I also saw another one previous to that which would have caused OD fees if I didn't make an out of the norm deposit. Am I crazy in my line of thinking that Cap One is doing this on purpose to bilk an easy fee? Sorry, tl;dr.
Posted on 6/22/12 at 11:33 am to TheHiddenFlask
quote:
but no one even knows why this guy is mad.
I'm mad because I'm poor.
Posted on 6/22/12 at 11:38 am to LSUSUPERSTAR
Credit union ftw
Posted on 6/22/12 at 12:07 pm to LSUSUPERSTAR
quote:
Am I crazy in my line of thinking that Cap One is doing this on purpose to bilk an easy fee? Sorry, tl;dr.
Yes.
I'm not saying that they are in the right, but I doubt that they are doing it intentionally. Further, if it's set to draft on the 20th, you should have the cash in there on the 20th. If you want it to draw on the 22nd, schedule it for the 22nd. They don't guarantee a 2 day lag on ACH fees, although that is the norm.
I'm not normally a big defender of retail banking, but you sound mad over something you did to yourself.
Posted on 6/22/12 at 12:18 pm to TheHiddenFlask
I am moving back to NOLA, whats the go to bank their these days?
I still have an old chase checking account and credit card but I hear they are not very good these days.
I still have an old chase checking account and credit card but I hear they are not very good these days.
Posted on 6/22/12 at 12:18 pm to LSUSUPERSTAR
With Cap One and I would assume others, you are scheduling the date you want the company to receive your payment, not when it is taken from your account.
Posted on 6/22/12 at 12:23 pm to TheHiddenFlask
I understand what you are saying about having the funds available and agree with you. I just find it fishy that the last 2 1/2 years every time they charged on the 21st, there was a problem or potential for a problem. Every other time it was charged on the 22nd or later.
Posted on 6/22/12 at 12:26 pm to LSUSUPERSTAR
I don't do operational stuff, but I work with people who do. Sometimes ACH transactions clear a day early, especially if they were done early in the morning.
ETA: the point is, this is not a cap 1 issue, it could happen with any ACH vendor.
ETA: the point is, this is not a cap 1 issue, it could happen with any ACH vendor.
This post was edited on 6/22/12 at 12:28 pm
Posted on 6/22/12 at 12:30 pm to TheHiddenFlask
Yeah, I hear you. Thanks for the info, I'm going to look around and see if there are any other viable alternatives. 
Posted on 6/22/12 at 12:33 pm to TheHiddenFlask
quote:
I'm glad YSWIDT.
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