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banks

pat_judy
Explorer
Explorer
My bank is getting very greedy. Looking for a new one. Thinking about Ally, but have reservations about switching to an online bank. Would like some suggestions. Is online the way to go? If so, is Ally the only one available? What experiences have you had with online banks vs. brick-and-mortar banks?
13 REPLIES 13

WA7NDD
Explorer
Explorer
I changed to a credit union 35 years ago and never looked back. I felt like
a red piece of meat, a target, every time I went into the bank. If it were not for money they could care less if I was there. The credit union worked with me during hard times, and cared, and I never left. They were also way ahead of the banks when it came to electronic deposits, and online banking. Today their CD rates are better than the bank by a full percent.
1998 Four Winds 5000 Rigby, ID

mikeleblanc413
Explorer
Explorer
I LUV my credit union! I agree that big name banks are a no-no! The bigger the name, the bigger the NO-NO!!!
Mike LeBlanc
The Piney Woods Of East Texas
Lufkin, Texas

dahkota
Explorer
Explorer
Another credit union fan.
No bank fees, a rebate credit card, 5K network member branches in which to do business across the country, excellent online banking... The last bank account we had we were charged for ATM use, check writing, online use, and a $10 monthly account fee. Never again.
2015 Jeep Willys Wrangler
2014 Fleetwood Bounder 33C
States camped: all but Hawaii
more than 1700 days on the road

bigorange
Explorer
Explorer
I have not used a brick and mortar bank in over 10 years. Losing my payroll check that I deposited myself and then telling me it was my fault was the last straw. Then the competing brick and mortar bank in town didn't want to approve a new account for me (never found out why...just kept on shopping). Settled on an online bank and have never looked back.

I you qualify for membership (active duty, retired military, a few other possible qualifiers...) then USAA is top notch as far as online banks go.
Not all those who wander are lost. - Tolkien

2018 Cherokee 235B 5W
2011 Ram 2500 CC SWB SLT 4WD 6.7 CTD 3.73
B&W Turnover Ball + Companion Slider hitch
2003 Sierra T22 TT - Sold

tatest
Explorer II
Explorer II
For what services? I have accounts with two local banks and a credit union, none of which I can characterize as greedy, since I pay no fees to two of them, $50 a year to the CU for membership in a travel plus "free services" program.

That's not counting some credit cards with large banks operating across state lines, with no local presence. Those might be considered greedy if I ever let them charge me interest.

Banking climate could be very different, however, rural midwest vs east coast metropolis.
Tom Test
Itasca Spirit 29B

Rolin
Explorer
Explorer
Another vote for Credit Unions

You are a Member (owner) of the Credit Union...you get a vote in how it is run.

Use of Credit Union ATMs throughout USA and Canada are free, except for some very small ones which do not belong to the network.

You can do electronic banking and bill paying while on the road, they offer credit cards and loans and insurance and free checking and free ATM usage, and...........

Have not yet found any downside to use of Credit Union and (to me) there are many upsides.

As you can tell I am somewhat biased.

darsben
Explorer II
Explorer II
Ally offers the most convenience for getting cash on the road
If you use your present banks online presence then you should have no problem.
Ask yourself how often you actually go to your bank bet not to often.

It is a good deal
Traveling with my best friend my wife!

WoodGlue
Explorer
Explorer
Do yourself a favor and get involved with a good credit union!

WoodGlue
2002 Land Rover Discovery II
2014 Lance 1685 - Loaded - 4 Seasons - Solar - 2 AGM's
When Hell Freezes Over - I'll Camp There Too!
Lance Travel Trailer Info - Lance 1685 Travel Trailer - Lance 1575 Trailer

M_GO_BLUE1
Explorer
Explorer
CREDIT UNION



2005 Chevy Silverado 3500 dually CC/LB Duramax/Allison


2008 Jayco Designer 35RLTS fifth wheel


Onan 5500W Marquis Gold gas generator (HGJAB - 1038D)

Oldme
Explorer
Explorer
Like others have said Credit Unions are the top of the list.
Our previous location had them conveniently located.
Great to work with.

Next would be a smaller local bank.
We moved to a country location and have found our local
community bank to be very Customer Orientated.

I would recommend staying away from the "Big Names".
They are only in to make themselves rich.

old_guy
Explorer
Explorer
we like you had to make the switch and we went to the credit unions, much easier to work with. once we were with both of the banks, both of my debit cards got hacked the same day, the bank had e write a letter and all this BS to get my money back, I even had to make calls to the companies the hackers ordered stuff through, the credit union, I had my money back the same day. no letters or phone calls needed.

donn0128
Explorer II
Explorer II
We have been spending a lot of time in our bank trying to settle the paper work for a home loan. I have to say, they have bent over backwards every time we walk in the door trying to make us feel comfortable. Personally I think no matter where we move we will keep this bank. Being a Vet we also get a free safe deposit box, free upgraded checking account. We were in the time frame for the Target hack and our bank has gone to great lengths to make sure we were protected and got us new cards quickly. Will an online bank do that for you?

mlts22
Explorer
Explorer
Credit unions are another alternative which might give you a better deal.