Thinking about switching banks

Capital One has the best on-line banking site for ease of use and speed of delivery. They have a no-fee checking account if you meet a few requirements like having one direct deposit a month to your account. I have a line of credit attached to the checking account so never have to worry about overdrafts. The mobile app is slick and lets you deposit checks by snapping a pic of them. They're also one of the few banks that still has safe deposit boxes.

Both should suit you well. I have a CapOne checking and Chase credit card.

I use CapOne High Yield checking, no fees, refund ATM fees up to $15/mo, 0.2% interest (was 1.0% when I started it). Also use CapOne360 (old ING Direct) and Sharebuilder. Since CapOne bought ING, all transfers are instant between the 3.

Except for the lack of credit union ATMs, and the inconveniently located branches.

Chase and its not even close.

Campus Federal lagniappe checking ftw

ATM fee refunds at the end of each month (very convenient)
2.5% interest

If you get direct deposit, e-statements, and 15+ debits per month, it's a great deal

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Once you go credit union you never go back to bank.

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Yep, i use TELCO, and love it

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Except for the lack of credit union ATMs, and the inconveniently located branches.

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guess it depends on your banking style. I rarely, if ever use cash these days. online banking/rewards credit card is what i use

much easier for me to get a loan through my credit union as well.

Chase

We use Gulf Coast Bank. We have checking and a small savings account (basically a small emergency fund) with them. It is called interest checking and interest savings. As long as you meet certain qualifications each month (I think 1 direct deposit and 12 Check card or EFT transactions) you get a higher rate of interest on both your checking and savings accounts. The interest for both accounts is deposited into you savings account. If you qualify for the higher rate of interest, you also get free ATMS at other banks. They don't charge you a free from Gulf Coast, and once a month they refund the other bank's fees (up to 4 or 5 a month I think).

Also, they are part of some community cash network, so you can use your card at a lot of small bank ATMS accross the south with no charge at all (so you don't have to wait for a refund).

We've been happy with them. We do keep the vast majority of our cash savings at my wife's credit union. However they are only open a few hours a day and are closed sometimes for a week at a time during holidays, so that's why we have the small emergency savings at Gulf Coast.

I'd keep the credit card open since closing it would severely affect your AAoA

I went credit union. It sucked arse.

Capital One just upgraded their site and has a few new features in the pipeline. Chase is a little better than them right now, but in 3 months, they will be the best.