Best bank?

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Brute 23
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Re: Best bank?

Postby Brute 23 » Mon Jun 11, 2018 10:29 pm

Caustic Burno wrote:
jltrent wrote:
Caustic Burno wrote:Kinda an oxymoron question.
Best bank?

:2cents:


That was one reason I wanted out. The CEO's bonus was tied to fees and he wanted everybody feed to death. Some of them old farmers that would walk in there to renew a note or get a loan I had a hard time adding the fees as I knew it was a good loan and they would sign wherever I showed them and probably never even look at the note. The CEO/loan committee pretty much reviewed any note of any size abd if the fees didn't please them it was no fun. A good customer told me about a job opening, I applied, got it and retired there ( I was glad to get out of banking).


Good,bad or no credit come on down.
Lending practices along with I want it now have lead to a lot of the countries financial issues IMO.
Heard a news clip the other day a big percent of Americans can’t lay their hands on 400 bucks in a crunch.
That’s pathetic.


... who needs cash when you have credit... tomato-tomato :lol2:
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Re: Best bank?

Postby True Grit Farms » Tue Jun 12, 2018 6:44 am

greybeard wrote:
ga.prime wrote:
HDRider wrote:I never go in the bank. All online via phone or puter

That's a mistake. Best place to go in of any business I've ever been acquainted with. The women that work in banks are without exception the friendliest. I love going in the bank. They're almost gushing with joy when I walk in.


Yep!! Back when my bank was Wachovia, I swear them young ladies were in competition......& they flat knew the true meaning of decolletage and cleavage..every single one of them.

(once WFC took it over, most of that went away and there was way too many males hired)


Never cared for waiters myself.
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Re: Best bank?

Postby TexasBred » Tue Jun 12, 2018 8:21 am

ga.prime wrote:
HDRider wrote:I never go in the bank. All online via phone or puter

That's a mistake. Best place to go in of any business I've ever been acquainted with. The women that work in banks are without exception the friendliest. I love going in the bank. They're almost gushing with joy when I walk in. My wife was on the job working as a bank teller when I first met her.

My "X" was a banker as well. Retired a couple of years ago after 35 years. Was Sr. VP and gotta give her credit, she was a heck of a good banker.
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Re: Best bank?

Postby TexasBred » Tue Jun 12, 2018 8:23 am

greybeard wrote:
ga.prime wrote:
HDRider wrote:I never go in the bank. All online via phone or puter

That's a mistake. Best place to go in of any business I've ever been acquainted with. The women that work in banks are without exception the friendliest. I love going in the bank. They're almost gushing with joy when I walk in.


Yep!! Back when my bank was Wachovia, I swear them young ladies were in competition......& they flat knew the true meaning of decolletage and cleavage..every single one of them.

(once WFC took it over, most of that went away and there was way too many males hired)


GB just because you're on a diet doesn't mean you ahve to quit looking at the menu. ;-)
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Re: Best bank?

Postby backhoeboogie » Tue Jun 12, 2018 9:48 am

Caustic Burno wrote:Kinda an oxymoron question.
Best bank?

:2cents:


Best skunk ? Best snake ? How about favorite mosquito ?

We cannot borrow our way out of debt. Some people never figure that out.

If I can make a profit in debt, I am okay with debt. If I can cut costs with debt, I am okay with debt.

If it is debt for a new ski rig, bass boat, 4 wheeler, we have a problem.

The car dealers hit the public with, "come on down and SAVE $" Either the public is extremely stupid or else they just want an excuse to be in debt because they need to keep up with the Jones

The banks are in business to make a profit. If they cannot make money on you, they'll be out of business, unless the government decides to pass on the debt to the tax payers. We've seen that too.
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Re: Best bank?

Postby farmerjan » Tue Jun 12, 2018 10:41 am

I am not a big fan of online banking , but have gone to it because I can see immediately if things are kosher in my account. I use a credit union and they pay a decent interest rate on the checking if you use their debit card x times a month. Since it is easier for me to use the card for gas and such, I have made a point of using it, for the # of times and total amount required and get anywhere from $5 to $25 per month interest added. That's found/free money. I am going to break down and get a smart phone so that I can do the picture deposit thing and therefore keep my balance as high as possible immediately after receiving a check. Also helps with some questionable checks and the money not being there when you do finally get to the bank. My credit union is local, branches within a 50 mile radius I guess which is where I normally travel. But with the debit card I can get money out anywhere, even Wal-mart. Since I have family 500 + miles away, I can use the debit card at any teller machine. I also have 10 fee refunds from other teller machines due to the debit card usage.
I also have a credit card from them and can take a cash advance if needed...but I find that putting stuff on the credit card, then paying it off every month, has advantages of earning me cash payback also. So I leave the money in my bank account and use the credit card, then pay it off and so am earning a few dollars extra in the balance in my checking, and the cash back on the credit card. $10 here and $20 there adds up over the course of the year.
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Re: Best bank?

Postby Brute 23 » Tue Jun 12, 2018 12:46 pm

The great thing about online banking is your not limited to banking locally. Options are always a good thing.
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Re: Best bank?

Postby bball » Tue Jun 12, 2018 3:29 pm

ga.prime wrote:Even at the drive in window. It's insane.


I'm almost certain they don't hire based on math skills ;-)
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Re: Best bank?

Postby HDRider » Tue Jun 12, 2018 3:53 pm

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Re: Best bank?

Postby Dave » Tue Jun 12, 2018 5:22 pm

My daughter worked for a large regional bank for several years. She went to a credit union. She said she would never go back to a commercial bank. The credit union tried to the best for their members. The commercial bank looked for ways to make more money off the people.
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Re: Best bank?

Postby melking » Tue Jun 12, 2018 7:48 pm

True Grit Farms wrote:
melking wrote:
Caustic Burno wrote:Kinda an oxymoron question.
Best bank?

:2cents:


Must agree with CB Banks are EVIL. Everything they do is to screw the consumer. They lie and cheat and for the most part get away with it. I think it was Wells Fargo that just paid a big fine for fraud. Nobody was punished they just used other customers money and paid the fine. I don't know if I told you, but banks are EVIL. :devil2: :devil2: :devil2:


You must not have a good local bank, with a great VP loan officer. I had a major purchase last month that I needed a loan for, so I called Mrs Lynn one day and went and signed the papers and picked up the cashier check the next day. I'm still waiting for clear title on the purchase though?
:hide:


Oh, I do, but in the end she is still a banker first. If any of you have ever had a banker tell you that you could buy down the interest rate then you have been had.
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Re: Best bank?

Postby TexasBred » Tue Jun 12, 2018 7:51 pm

Dave wrote:My daughter worked for a large regional bank for several years. She went to a credit union. She said she would never go back to a commercial bank. The credit union tried to the best for their members. The commercial bank looked for ways to make more money off the people.

Credit Unions are non profit and any profits made are returned to the shareholders. All they have to do is break even.
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Re: Best bank?

Postby TexasBred » Tue Jun 12, 2018 7:57 pm

melking wrote:
True Grit Farms wrote:
melking wrote:
Must agree with CB Banks are EVIL. Everything they do is to screw the consumer. They lie and cheat and for the most part get away with it. I think it was Wells Fargo that just paid a big fine for fraud. Nobody was punished they just used other customers money and paid the fine. I don't know if I told you, but banks are EVIL. :devil2: :devil2: :devil2:


You must not have a good local bank, with a great VP loan officer. I had a major purchase last month that I needed a loan for, so I called Mrs Lynn one day and went and signed the papers and picked up the cashier check the next day. I'm still waiting for clear title on the purchase though?
:hide:


Oh, I do, but in the end she is still a banker first. If any of you have ever had a banker tell you that you could buy down the interest rate then you have been had.

Then GI loans have been screwing veterans for ages.
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Re: Best bank?

Postby ohiosteve » Tue Jun 12, 2018 8:08 pm

Some good insight here. I might go to online banking someday but will hold out as long as I can. I do try not to leave all my eggs in one basket though, not that I have all that many eggs yet.
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Re: Best bank?

Postby melking » Wed Jun 13, 2018 8:13 pm

TexasBred wrote:
melking wrote:
True Grit Farms wrote:
You must not have a good local bank, with a great VP loan officer. I had a major purchase last month that I needed a loan for, so I called Mrs Lynn one day and went and signed the papers and picked up the cashier check the next day. I'm still waiting for clear title on the purchase though?
:hide:


Oh, I do, but in the end she is still a banker first. If any of you have ever had a banker tell you that you could buy down the interest rate then you have been had.

Then GI loans have been screwing veterans for ages.


Yes they have TB and acted like they were doing Vets a favor.
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