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Old December 29th, 2009, 10:09 PM   #1
Kodiak450r
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Default need a new bank...suggestions?

are there any banks that don't charge overdraft fees? i'm getting sick of national city taking 36 dollars for every time i don't have money. the last bank i had in NJ would not let you go under what you have. it would simply deny the transaction so you couldn't take more then you had in the bank... this time national city fucked me out of $108 because i had 3 transactions that put me like 10 bucks under, but 36 a piece adds up.

and consumers energy sucks balls. last month heat bill was 90 bucks. this month 208. nothing has changed WTF???
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Old December 29th, 2009, 10:21 PM   #2
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Overdraft protection should eliminate that from happening but I think it is BS for them to charge for it.
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Old December 29th, 2009, 10:26 PM   #3
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I don't know if you have a Chase Bank down there or not? My fiance just opened a checking account and savings. They have a program that if you over draw your checking it'll be backed up by your saving!! Also you an check your bank account on your cell phone by just texting! I've had an account there for 7 years now and haven't had a single problem yet!!
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Old December 29th, 2009, 10:31 PM   #4
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I had chase overdraft protection after a simmilar situation with them, however I just use Genisys credit union now for my savings and checking and keep enough money in the checking to not worry about overdraft.
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Old December 29th, 2009, 10:33 PM   #5
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Don't spend more $$ than you have
Problem Solved!

I suggest staying away from any of the "big" banks they will screw you over one way or another. Go with a local Credit Union
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Old December 29th, 2009, 10:47 PM   #6
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Don't spend more $$ than you have
Problem Solved!


I suggest staying away from any of the "big" banks they will screw you over one way or another. Go with a local Credit Union
That's true as well!
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Old December 29th, 2009, 10:48 PM   #7
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i have overdraft protection but that only works when you HAVE money in your savings. which i don't. lets see 1200 a month income and 1500 a month in utility bills, gas, some food, and house payment. kinda hard to not spend what you don't have. and overdraft protection from National city they charge you 15 each time you have to use it.
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Old December 29th, 2009, 11:12 PM   #8
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I bank w/ American 1 Federal Credit Union - The overdraft protection I have there is like a line of credit. You don't have to have the money in saving, if you over spend they automatically put want you need in your account to cover it. There is interest you have to pay if you use it but it's comparable to most credit card (10%) i think. No fee when you do you it besides the interest.
Money's tight for most of us too...It sucks

Last edited by 2000XJ; December 29th, 2009 at 11:17 PM.
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Old December 29th, 2009, 11:15 PM   #9
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and you have to have the credit to be approved for it. im with NC also. i go to the same one every payday and they know me so when i do go over they'll usually cancell it for me. but those charges do add up fast. sorry im no help on this.
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Old December 29th, 2009, 11:22 PM   #10
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Quote:
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i have overdraft protection but that only works when you HAVE money in your savings.
Save money, in your savings account, for savings.
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Old December 30th, 2009, 12:40 AM   #11
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Are you a student? 5/3 offers accounts for students with overdraft waivers for a few instances a year.

Sounds like the bigger problem is managing your finances though to prevent them from happening if it's a reoccurring issue. Most banks will glady waive the first instance if you go in an speak with the branch manager. NOTE: Being a female who sheds tears helps tremendously with this.

Otherwise, start paying for overdraft protection or plan your expenses better.
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Old December 30th, 2009, 12:54 AM   #12
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and consumers energy sucks balls. last month heat bill was 90 bucks. this month 208. nothing has changed WTF???

yes it has...the outside temperatures
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Old December 30th, 2009, 02:30 AM   #13
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Credit union....after you figure out how to manage your money.
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Old December 30th, 2009, 02:55 AM   #14
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Quote:
Originally Posted by Kodiak450r View Post
i have overdraft protection but that only works when you HAVE money in your savings. which i don't. lets see 1200 a month income and 1500 a month in utility bills, gas, some food, and house payment. kinda hard to not spend what you don't have. and overdraft protection from National city they charge you 15 each time you have to use it.
This does not sound like a banking problem. It sounds like you need to do what most of us have done or need to do, cut back. I already know how hard it is, but what do you need more cable or heat? internet or electricity? Cutting out little stuff is a lot better than having to chose between keeping your house or your truck. In times like this you really need to save more now than ever. I hardly go out to lunch or dinner, got a cheaper gym membership, quit smoking, canceled my storage unit, skipped on a few up north vacations, etc. Now I could be laid off tomorrow and be financially okay for 6-10 months. Even though I feel my job is secure this time last year I had been layed off for 3 months without any safty net like your situation, and let me tell you donating plasma and living off credit cards was not a fun way to get by.

Last edited by 14muddn; December 30th, 2009 at 03:06 AM.
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Old December 30th, 2009, 03:35 AM   #15
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Quote:
Originally Posted by Kodiak450r View Post
i have overdraft protection but that only works when you HAVE money in your savings. which i don't. lets see 1200 a month income and 1500 a month in utility bills, gas, some food, and house payment. kinda hard to not spend what you don't have. and overdraft protection from National city they charge you 15 each time you have to use it.
Aren't you the same person who was just getting ready to spend $1500 - $2000 on a lift kit for your truck?

Maybe you could sell some of that scrap in your back yard to pay your bills. hmmmmm..............
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Old December 30th, 2009, 05:32 AM   #16
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Don't feel too bad I used to be horrible at over drafting because I didn't keep track of what I spent. I think I racked up 250 in Over Draft charges. They will usually work with you if you go and talk to them. I agree that it's crap that they charge people that have no money. Best advice any body can (and has) given you is be more fugal with what you get and be very vigilant on what you have spent.

That's why We're slowly moving to MSUFCU. no over draft fees. That and the Commercials. They have some great Commercials with Three men and a Tenor.
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Old December 30th, 2009, 07:00 AM   #17
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I used to bank at Charter One and got sick of the corporate bullshit and when there was a problem, nobody at a branch could do anything for me because it was out of their control.

I opened an account at my local credit union(co-op services credit union), and when I did overdraw, I had 3 overdraft fees(all $3X.00 each). I went in, talked to them, because I wasn't sure what had happened, and they refunded all three fees and gave me a brochure for overdraft protection.

Their overdraft protection is different than yours though, it doesn't pull from savings. I apply for a loan in $100 increments, so I just applied for a $100 loan, and the loan doesn't enact until you overdraw. Once you overdraw, it immediately drops $100 a time into your account until you're over the negative, and then all you have to do is pay back the $100 chunk that they loaned to you. It's pretty handy.
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Old December 30th, 2009, 07:31 AM   #18
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Quote:
Originally Posted by Kodiak450r View Post
i have overdraft protection but that only works when you HAVE money in your savings. which i don't. lets see 1200 a month income and 1500 a month in utility bills, gas, some food, and house payment. kinda hard to not spend what you don't have. and overdraft protection from National city they charge you 15 each time you have to use it.
Sell this
stuff

Don't buy this
stuff

stop spending money you don't have, and then you won't blame the institution you agreed to pay if you used their money.

on another note, I have chase, and I have a overdraft account attached to my checking. Looking at their website, it appears that I'm not charged a fee if they have to go into there, but it appears to be very high interest.



hahaha, damnit. whiterhino beat me to it, I should have read the replies.
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Old December 30th, 2009, 07:57 AM   #19
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At least they are defining the violations, Eastpointe often leaves it up to the inspector's discretion. That's how I ended up selling my 71 VW that ran, drove and was plated and insured. I drove it at least once a week if not more, but since the 'blight officer' thought it looked like crap (Kinda did, it was flat black) I kept get warning letters.

Oddly enough, my really crappy looking F150 is fine. Go figure.
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Old December 30th, 2009, 08:41 AM   #20
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Thank you for continuing to keep average attainable for more people. Your stupidity just serves to make many other people look smarter. Job well done sir.
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