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RandySavage
Auburn Fan
Member since May 2012
19725 posts

Changing banks...
Is there any downside to it? I've had Wells Fargo for like 20 years but Chase keeps sending me an offer of $500 if I switch and open up a checking/savings there. Thinking about taking them up on their offer.


drunkenpunkin
New Orleans Pelicans Fan
Louisiana
Member since Dec 2011
7267 posts

re: Changing banks...
If you're planning on making a big purchase in the near future, yes.


RandySavage
Auburn Fan
Member since May 2012
19725 posts

re: Changing banks...
How so? It hurts your credit?


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LSUJML
LSU Fan
BR
Member since May 2008
6673 posts
 Online 

re: Changing banks...
You will get a 1099 from Chase at the end of the year

Why not just open an account with Chase as a 2nd account?
You may get better answers on the money board


YoungManOldMan
George Washington Fan
Member since Dec 2017
1882 posts

re: Changing banks...
Chase is good but beware they aren’t national. Nonexistent some places NE and Midwest

The best deal I find if you’re mobile is with PNC. We have an account that I never pay ATM fees anywhere.

Our account has been open like 5 months and we have probably been reimbursed about $100.


buckeye_vol
Ohio State Fan
Member since Jul 2014
28148 posts

re: Changing banks...
quote:

If you're planning on making a big purchase in the near future, yes.
What do you mean? Besides maybe racking up some fees associated with an open but unused account, or waiting for funds to transfer, why would changing banks have any impact on a purchase?


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40
FinebaumsHair
Auburn Fan
Monroe, La
Member since Aug 2017
2725 posts
 Online 

re: Changing banks...
quote:

You will get a 1099 from Chase at the end of the year


I've heard this mentioned before but neither me nor my wife received one when we each did it.


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20
papasmurf1269
LSU Fan
Hells Pass
Member since Apr 2005
17607 posts

re: Changing banks...
quote:

Changing banks
is a pain in the arse


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50
lsu xman
Member since Oct 2006
11966 posts

re: Changing banks...
Just don't ever try depositing a third party check with Chase.


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El Magnifico
LSU Fan
La casa de tu mamá
Member since Jan 2014
2538 posts
 Online 

re: Changing banks...
quote:

Is there any downside to it?
Yes
quote:

Chase
They are terrible. Fees for everything


Goldensammy
Cypress, TX
Member since Jun 2016
63 posts

re: Changing banks...
For basic checking and savings, Chase is hard to beat. Their fraud protection is second to none, at least in my experience.


LSUJML
LSU Fan
BR
Member since May 2008
6673 posts
 Online 

re: Changing banks...
Fraud protection is excellent
Majority of ATM’s are walk up which is one of the main reasons I don’t have my primary account there


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redstick13
Nicholls St. Fan
Cameroon
Member since Feb 2007
26714 posts
 Online 

re: Changing banks...
I had bad experiences with Chase and Bank of America. Wouldn't go back to either.


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buckeye_vol
Ohio State Fan
Member since Jul 2014
28148 posts

re: Changing banks...
quote:

Chase is good but beware they aren’t national.
What???? They are the largest US bank by total assets, and one of 3 banks (with Bank of America and Wells Fargo) with over 5,000 branches. If they aren’t national, then there is no such thing as one.


YoungManOldMan
George Washington Fan
Member since Dec 2017
1882 posts

re: Changing banks...


Way to be a dumbass. I was pointing out that depending on your location it might not be the best suited for you.

They don’t waive ATM fees.
This post was edited on 2/14 at 1:21 pm


ronk
Member since Jan 2015
535 posts

re: Changing banks...
PNC isn’t a national bank either.


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oVo
New Orleans Pelicans Fan
Member since Dec 2013
7572 posts

re: Changing banks...
Don’t. Chase fricking sucks.


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FredsGotSlacks
LSU Fan
Baton Rouge
Member since Mar 2008
517 posts

re: Changing banks...
Chase is terrible, stay away. Capital one is pretty solid and has decent interest rates on checking and savings accounts, and Wells Fargo is ok depending on your location.


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Athanatos
Vanderbilt Fan
Baton Rouge
Member since Sep 2010
7161 posts
 Online 

re: Changing banks...
Chsse reimburses my ATM fees, and they have a good web platform.


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