Credit unions? Banks? A jar in the back of my closet?

[dj-daeva.livejournal.com]

Hi folks!

I'm relying on all you savvy davis square people out there to help me figure out where to go next for my banking institution :)

I currently have my checking and savings accts with the Harvard University Employees Credit Union and need to make a switch. They were ok when I worked at Harvard, but now that I'm working in Waltham it's a flipping PAIN to get to their ATM's or branches when I need to deposit money other than my direct deposit. Plus they don't clear any funds immediately when you make said deposits (I've routinely had to wait 5-7 days before getting a single penny of several large checks over the last 6 months).

So...who do you like to bank with? I have my visa card with BOA so I was contemplating going back, but I really didn't like their service at all...plus they're evil :)

Bonus points for a credit union that has branches in Waltham and Somerville that don't charge maintenance fees with direct deposit :)

Help a sista out...BOA is desperately trying to recruit me...offering $50, then $100, then finally $250 to open a checking account with them...save me from their evil clutches! :)

Thanks in advance! :)

<3

Comments

[agharta75.livejournal.com]

Another despicable thing about BankOfAmerica is that if you try to use your debit card and have insufficient funds in the account, the charge will go through and they deduct a $33 bounced check fee.

And before someone starts snarking about "being personally responsible and balancing your account": every other bank I know of will do what one expects from a card, that is, deny a charge if there are insufficient funds. The only reason Bank of America allows it to go through is to hit you with repeated fees.