Post # 1
My fiance and I are planning to combine finances as soon as we get married. We currently bank at two different banks – I’m at Wachovia, he’s at a credit union. I also have a credit card with Bank of America.
What bank do you recommend we open our new account at? And why?
Post # 3
Banks differ greatly regionally so it’s hard to qualify across the board. It really depends on whether these banks you’re considering have the services I deem to be important for a joint acct. 1. no random fees, free checking, 2. prevalent ATMs or if they pay for ATM fees 3. online banking 4. multiple branch locations with real people to help you when needed. It’s likely that Bank america is probably your best bet although i don’t know much about Wachovia, other than that they were recently acquired by Wells Fargo, which is actually my favoriate but WElls fargo is not prevalent outside of west coast. I have heard that Wachovia is also slow in updating their ATM machines to be more secure and what nots but that’s just hearsay.
Post # 4
We’re both at Bank of America, so that’s where we’ll be opening up our joint account. We’ve both been with them for 10+ years with no problems, and my sister also works for them as well.
Post # 5
- Wedding: August 2009 - St. Thomas of Villanova Church & the F.U.E.L. House
We’re both at BoA, with separate accounts. We love how many branches there are — so easily accessible. And the new ATMs, that show pictures of each deposited check, is pretty awesome (and makes me wish I had more checks to deposit regularly! ).
Post # 6
We both had individual accounts at Citizens and recently joined up at the same bank. I like banking with them. If you register for paperless statements, they give you back .10 for every time you use your debit card. Customer service is good too. I don’t know if it’s the best, but it’s what we’ve got!
Post # 7
I also say Citizens. I link my savings and checking accounts so I rearely get overdraft fees. Plus the hours inside the grocery store are so convenient! Customer service is good too.
I thought BoA was terrible! The fees were out of control.
Post # 8
i think it is mostly based on convenience. then compare fees. i’ve always been a fan of CUs, but they often have limited locations and hours.
Post # 9
We are both at Wachovia, and plan to keep our accounts and create a new joint one as well. Do you have the Wachovia Rewards on your checkcard? I’ve been using this for awhile and it’s really awesome – I have enough now to get a pretty large gift card to use towards the wedding, and I asked the Fiance to sign up too. We’ll have three cards to collect points on, and you can combine card points.
Post # 10
I say BOA … actually their customer service was really great when I had someone get a hold of my card number! Everything got resolved easily and quickly (except getting my new ATM card). I have a checking and savings there and Fiance & I have a joint savings there also.
His bank is PNC but there aren’t any in our new area so he may switch.
Post # 11
we both have Bank Of America–me because I moved and my old bank was a local bank with no national branches, and he because of a couple bad experience with Chase (formerly WaMu)
We are each receiving $100 back by setting up new accounts. signing up for “Keep the Change” and using online bill pay and direct deposit. I have noticed a single fee yet, so I hope it continute to go well!
Post # 12
My Fiance uses Charles Schwab and loves it. Its online which can be an issue because you can’t go to a location. The plus side of that is they have a great interest rate on your checking and pay for all ATM fees since they don’t have any. As far as I know everything is free. You do have to mail your checks to them for deposit if you don’t have direct deposit. So there are ups and downs. I use USAA because my dad was in the service and its basically the same deal except I can just scan checks on my computer and they are instantly credited to my account. I love it even though I was leery of the whole idea at first.