BOFA to charge $5 a month for check card use

[LANTIRN]

How is usaa in terms of online banking? 1-10?

Online banking is fantastic with USAA. All my accounts are shown on my home screen so I immediately see the balance of all of them, even though I usually am only concerned about checking. Debit purchases update within minutes usually; they have an option to get free texts any time you have account activity. You get to pick which accounts are alerted, and for what amounts; for instance, any time any of my accounts gets a withdrawal over $200 I am texted, along with any deposits so I can keep track of any possible ID theft, plus I know that I got paid on time. And I know when the wife goes clothes shopping! She hates that part. My credit card takes a couple of days to update, but it is American Express so that might be why. They are also really good about contacting you if they think you have funny activity; when I built my AR I spent a lot of money online on one purchase which was unusual for me and they alerted my then next day to make sure everything was OK. Debiting my account for my mortgage (USAA) and CC payment (USAA) usually takes a few days but never any late fees as it shows submitted as the day you actually submitted it.

The only banking complaint I have is it took forever to add my wife to the account and get her a debit card. But, when I finally got pissed enough to contact a manager she got it straightened out pretty fast, so even though they have some fuckups they seem to give a shit about fixing problems and making customers happy.

I also had some problems getting my mortgage, but that was a whole clusterfuck involving immigration, the state of Texas, and a bunch of retards at the realtor, and the Philippines, and FedEX. None of it was USAA's fault but my mortgage agent was helpful as shit at getting things solved as best as she could.

Non-direct deposits are easy; they mail you deposit slips and you just mail the check in; I am sure there are faster ways I but I get physical checks so rarely that I never looked into it further. Maybe a week or two to process that way. If you qualify for USAA I'd consider it.

[347Mike]

No, i called bofa customer service and asked that exact question. It doesnt matter. As soon as you use the card at anyhing but an ATM, bam - $5 mthly charge.

If anything it will help me. I will use my credit card for all purchases. This doesn't apply with bill pay though, or does it?

[Buick355]

No, i called bofa customer service and asked that exact question. It doesnt matter. As soon as you use the card at anyhing but an ATM, bam - $5 mthly charge.

Fuckers. We just switched all of out accounts from Wells Fargo because they are doing the same thing. I guess that was a waste of time.

[Binky]

So if you run the transaction as a CC instead of debit it you won't be charged the monthly fee??

No, i called bofa customer service and asked that exact question. It doesnt matter. As soon as you use the card at anyhing but an ATM, bam - $5 mthly charge.

[YALE]

Another vote for USAA here.

[Buick355]

So if you run the transaction as a CC instead of debit it you won't be charged the monthly fee??

[Cooter]

Thanks for making me feel bad about my $60 in rewards ass!!!

lol, pretty sure you're not hurting for it!

$500 is the top value per point.

I let it get to $500 and cash

[FreightTrain]

I just cashed in $500 in reward points on my CC

Thanks for making me feel bad about my $60 in rewards ass!!!

[Baba Ganoush]

I am with texans credit union, and have always been with credit unions since I was 15. Now they're dying out, changing to banks or charging like banks, so I'm shopping as well.

What about Ally?

I saw a good commercial for them the other day. A guy hands $100k in a briefcase to some random person on the street and asks him to watch it for a minute while he runs across the street. Thir point at the end of the commercial was "this total stranger watched our money and didn't take a cent, what does your bank charge?". Pretty funny.

[Cooter]

I just cashed in $500 in reward points on my CC

[FreightTrain]

My credit union gives me 10 cents every time I use my debit card. Doesn't matter if it's debit or credit. It's not much but so far this year I've earned $60. They pay out in Feb.

[idrivea4banger]

I'm pretty sure you can do photo deposit at USAA.

You have to qualify for auto or home loan along with your savings account or checking account. At least that what it says on the app I use for the USAA account my sister set up for her son's expenses.

[jnobles06]

How is usaa in terms of online banking? 1-10?

transactions update pretty quickly, they have online bill pay, and all the other features any other big bank has. i give it a 10

[Binky]

How is usaa in terms of online banking? 1-10?

[EW]

I'm pretty sure you can do photo deposit at USAA.