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> Finally!, I have a checking account again!
MDF3530 
  Posted: 24-Sep-2004, 10:31 PM
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Today, I finally went to the bank and opened up a checking account. No minimum balance and no per check charge. And I ordered some nice-looking checks as well biggrin.gif .

I did have a checking account awhile ago with one of the big chain banks. Let's just say I'm not their number one fan. I actually became a big chain bank customer by default. The bank I started my account with got swallowed up by a big bank, and that one got swallowed up by an even bigger one. Everything was ok until they took over the bank I got my car loan from. They made a mistake and refused to rectify it.

I've noticed that the small, local community bank is making a comeback. Evidently, there are people like me who are tired of dealing with big box banks like Citibank and Charter One. The bank I opened my account with bears the same name as the bank my first account was originally with. It was started by some of the officers who worked there.

Here's their URL:

Beverly Bank.com


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Avonlea22 
Posted: 25-Sep-2004, 07:29 AM
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I always preferred smaller banks also. Even better yet, I prefer Credit Unions. My wife and I joined one about two months ago, and they already know us by name. We don't even have to present ID anymore. I did have an account with Wachovia for about 6 months, but they sucked! Go little banks!

Glad that you found one you like, Mike. I know it's hard.


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TheCarolinaScotsman 
Posted: 25-Sep-2004, 10:29 AM
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QUOTE (Avonlea22 @ 25-Sep-2004, 09:29 AM)
I did have an account with Wachovia for about 6 months, but they sucked! Go little banks!


I actually remember when Wachovia was the small hometown bank. D___, I'm getting old.


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Iago 
Posted: 25-Sep-2004, 04:20 PM
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The smaller the bank the better! It seems I have a new account with a different bank every other year. One bank actually took over a year to get te title of my wifes car to us after it was paid off!

Errr! Banks. Will have to try the local credit union thing.

~Iago


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CelticRoz 
Posted: 25-Sep-2004, 06:45 PM
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We belong to a credit union and really have been happy with them.
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MDF3530 
  Posted: 25-Sep-2004, 11:04 PM
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You know, there's a credit union about a mile or so from my house, and I never even considered it.

Oh well. Too late now.

BTW, when I told my dad that I might consider Beverly Bank (that's the name of the bank), he was like "WHAT!?!", thinking I was going back to my old bank (the one I had so much trouble with). I had to tell him it was the new Beverly Bank.
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scotelass 
Posted: 25-Sep-2004, 11:28 PM
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QUOTE (MDF3530 @ 26-Sep-2004, 12:04 AM)
You know, there's a credit union about a mile or so from my house, and I never even considered it.

Oh well. Too late now.


It still may be a great Idea if you set up an account with the credit union, even if it's just a savings account so that if something should happen with the new bank you are establishing a relationship with the credit union....It always helps to diversify your funds!


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Monarchs Own 
Posted: 26-Sep-2004, 09:59 AM
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Since I am a member of a Bank only Military Personnel (active / retired) can join I don't have that problem. The only drawback is there are no branches anywhere or ATM's but since I get refunded all my fees from them because of it - I don't mind. and I found ATM here which don't charge at all. And all the rest I can do over the phone or the Computer.

But those chains driving me nuts - nobody knows anything. They can't answer any question and have to ask the supervisior - which wouldn't know either.

I remember in Germany whe had a small bank there and they knew us by name within a few days. I miss that a lot.





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Annabelle 
Posted: 27-Sep-2004, 11:16 AM
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Yea but MDF (Mike) do you have any money in it?


w00t2.gif


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MDF3530 
  Posted: 27-Sep-2004, 03:55 PM
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QUOTE (Annabelle @ 27-Sep-2004, 12:16 PM)
Yea but MDF (Mike) do you have any money in it?


w00t2.gif

Yeah, just over $900. I cashed a starter check for $40 today. I had to get it that way because my debit card and real checks don't come in until either Thursday or Friday. Then I will change my PIN from its preset number (the last four digits of my SSN) to one I'm more comfortable with.

Several years ago, I was a walking messenger in downtown Chicago for one of the local messenger services, so I used my employee ID number as my PIN for my last debit card. I figured not too many people would be able to associate that with me.
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MDF3530 
  Posted: 01-Oct-2004, 04:57 PM
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I got my checks today from the bank. Here's what they look like...

http://www.deluxe-check-order.com/CIMServl...checkbook+cover

Pretty, huh?
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CelticRoz 
Posted: 01-Oct-2004, 05:04 PM
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Yes, very nice indeed! They are really beautiful. I have checks similar to those, but not as pretty as yours! tongue.gif biggrin.gif
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MDF3530 
  Posted: 01-Oct-2004, 05:13 PM
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They better be pretty. They cost me $20.

I ordered them through the bank. I would've ordered from one of those companies that has the ads in the Sunday papers, but I would've needed the account and routing numbers. They have a better selection. These'll work for now though.
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freekenny 
Posted: 07-Oct-2004, 01:04 AM
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O'siyo MDF,
Congrats on the 'new' checking account~ biggrin.gif Next time you are in the market for checks, check out the CheckGallery tongue.gif They have some really kewl checks for every 'taste'~ I have been getting/ordering my checks from this company well over 10 years and I have never had a problem..hassle free transactions are the only way to go cheers.gif Good prices as well~
~~Sty-U red_bandana.gif


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Rindy 
Posted: 07-Oct-2004, 09:11 AM
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I also use a Credit Union. We have never had a problem with it. We live in a small town so not only the banks know your name but every where you go. Sometimes its a plus and sometimes not. We have 7 banks and plenty eating places. Ha that is about all there is to do here. LOL

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