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Stefanie
♥
Member since 5/05 23599 total posts
Name:
Stefanie
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Opening a checking account
I recently opened a checking account at Chase and when reading through everything at home, I realized that they charge you $6.00 a month if you don't take out money 5 times.
I'm ready to go back to Chase and close out the account.
Does anyone have a checking account at a bank where there are no fees at all?
TIA!
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Posted 11/7/09 1:12 PM  |
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queensgal
Smile
Member since 4/09 3287 total posts
Name:
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Re: Opening a checking account
We don't pay anything at bank of america. I believe you have to keep $1,500 in the account in order to avoid fees? not sure, I usually keep more than that just to make sure we can cover our bills.
I used to use commerce which is now TD, they had no fees too.
Most banks do require a minimum, you can look online and see what it is before they charge a fee.
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| Posted 11/7/09 1:36 PM |
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GaknTak
He has my heart
Member since 12/07 1379 total posts
Name:
Tracy
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Re: Opening a checking account
I have a free Chase Checking acct and that has never happened to us. We rarely ever take money out, I am the queen of DEBIT! LOL! Did you do the basic free Chase Checking, that's what we have
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| Posted 11/7/09 1:44 PM |
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Stefanie
♥
Member since 5/05 23599 total posts
Name:
Stefanie
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Re: Opening a checking account
I don't have direct depositing so they charge me 6 dollars for the month if I don't take out money 5 times. I think that's so stupid.
I'm going to be switching ASAP.
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| Posted 11/7/09 1:50 PM |
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ny55angel
car seat tech & geek :-)
Member since 2/06 4346 total posts
Name:
P
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Re: Opening a checking account
Posted by queensgal
I used to use commerce which is now TD, they had no fees too.
Most banks do require a minimum, you can look online and see what it is before they charge a fee.
TD now requires a minimum of $100 in a checking account. If you go under even by 5 cents (trust me I know this firsthand) they charge you $15.00 !!!
There way of depositing checks has changed too - payroll checks aren't available right away, deposits don't always trump withdrawels when done the same day.
Best of all - when you use your credit/debit card USUALLY you are declined when you don't have enough of an available balance. Now they have started a $400 overdraft (I believe) that you are charged $30 if you go into. I personally would rather be declined in a store !
I am looking to switch out of TD - probably to Bethpage Credit union - just as soon as they are done building the one by me !
Good luck with your search !!
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| Posted 11/7/09 4:01 PM |
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Erica
LIF Adult
Member since 5/05 11767 total posts
Name:
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Re: Opening a checking account
can you get into a credit union? Mine doesn't charge me, I earn interest and I only have to keep $1 in (TFCU)
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| Posted 11/7/09 4:04 PM |
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jerrysgirl
I love my hot dog!!
Member since 6/06 5357 total posts
Name:
E & J
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Re: Opening a checking account
if i keep at least $100 in the account at Astoria then it does not get charged. I switched out of TD after the issues and the new information they sent sounded like fees were coming. they were only going to waive fees with $100 for a few months.
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| Posted 11/7/09 5:15 PM |
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BabyBoy
is Skylar Elizabeth
Member since 5/05 4189 total posts
Name:
Tom
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Re: Opening a checking account
perhaps you want a savings account?
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| Posted 11/7/09 5:36 PM |
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PaddysGirl
Little princess is here!
Member since 4/07 5923 total posts
Name:
Crystal
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Re: Opening a checking account
I just opened chase and i was told no fee if i have direct deposit. Is that something you can look into?
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| Posted 11/7/09 7:11 PM |
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KLSbear
LIF Adult
Member since 1/06 1908 total posts
Name:
Karen
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Re: Opening a checking account
How are they defining "take money out"? If you pay 5 bills either on line or via check would they count towards that minimum? The 5 times may not be an issue if it means you can take cash out of the ATM or use the debit card at the supermarket or write a few checks to pay bills.
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| Posted 11/7/09 8:28 PM |
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HeathKernandez
Our Ron is an awesome Ron
Member since 4/07 9091 total posts
Name:
baby fish mouth
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Re: Opening a checking account
Posted by ny55angel
Posted by queensgal
I used to use commerce which is now TD, they had no fees too.
Most banks do require a minimum, you can look online and see what it is before they charge a fee.
TD now requires a minimum of $100 in a checking account. If you go under even by 5 cents (trust me I know this firsthand) they charge you $15.00 !!!
There way of depositing checks has changed too - payroll checks aren't available right away, deposits don't always trump withdrawels when done the same day.
Best of all - when you use your credit/debit card USUALLY you are declined when you don't have enough of an available balance. Now they have started a $400 overdraft (I believe) that you are charged $30 if you go into. I personally would rather be declined in a store !
I am looking to switch out of TD - probably to Bethpage Credit union - just as soon as they are done building the one by me !
Good luck with your search !!
alot of banks do the overdraft instead of declined. my fee was 36 dollars
and 100 min is GOOD.. my bank (astoria federal) charges a 10 dollar fee when I dip below 500...
i like it though b/c I always keep above that amount just NOT to get charged a fee... keeps my nose cleaned/
for the OP- maybe you might want a savings acct.
I have money in www.dollarsavingsdirect.com and can transfer money to my checking acct within one business day... ALL ONLINE
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| Posted 11/7/09 8:39 PM |
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