| Choosing a Banking Institution |
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teal1066
Contributing Member
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Nice advice ..This post is really helpful.
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Tue Aug 31, 2010 2:23 pm |
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mukeshkkashyap
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Location: india
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Great stuff!
Personal Finance Planner
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Tue Sep 07, 2010 6:40 am |
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mukeshkkashyap
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there is a very nominal fee
Personal Finance Planner
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Wed Sep 08, 2010 7:03 am |
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Adria.John
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Remember, a settlement offer submitted through professional executive is considered more important by the bank as they can rely on them in any future discrepancies. They also manage to get more percentage of discounts compared to personal settlements.
Loan Expert!
Loans Fast | Pay Day Loan | Fast Payday Loans
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Wed Sep 08, 2010 12:10 pm |
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JGW
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Location: United States
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I am disappointing with my bank (a large bank) and want to look into joining a credit union. I am not a member of anything other than the fact that I'm a permanent resident here in Los Angeles, California. Can any of you suggest a good credit union I should join? I want a better interest rate on my savings account and a lower interest rate on a car or small business loan. Multiple ATM locations and free checking would be nice but not mandatory.
JG Wentworth
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Tue Sep 14, 2010 9:28 pm |
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pdx
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Try online banking.
IngDirect
Hsbcdirect
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Wed Nov 10, 2010 1:13 am |
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Roksana
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How do you pick the right banking institution? You will find most banking institutions to be very similar in the products, rates and fees that they have. There are several variables you need to consider before choosing a bank. I would always recommend that you try to stick with just one bank two at the most. You will find it easier for you to manage and it helps the institution manage your money better if they can see everything you've got, most institutions offer fee waivers for having certain account combinations or packages with them so it can also be more cost effective.
south shore savings bank
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Sat Nov 13, 2010 6:44 am |
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sweetums
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I have been with Wells Fargo for 4 years now and I think they are okay but I have never had to deal with any major money issues - I am considering getting a home equity loan and not sure if they would be the best choice.
no fax payday loans
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Sun Nov 14, 2010 1:31 am |
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Roksana
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The interest rates offered on savings and checking accounts are not always clear. For example, a savings account may offer a 5% annual interest rate with daily compounding. Because of the compounding effect, the effective yield of that savings account is actually 5.13%. In order to objectively compare interest rates between various banking products, you first need to consider the compounding frequency. That determines the effective yield.
south shore savings bank
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Fri Dec 10, 2010 3:26 am |
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kinshipknight
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Location: Nashville, TN
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| Banking institutions...... |
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I always consider these things (in order of importance, to me):
- Reputation....if the institution accepted a government bail out, no way. If my bank is there to help me manage my money, how can I trust them with that task if they can't manage their own?
- no or low fees......they provide a service in exchange for having ALL of our money for investment purposes. I don't feel like fees are called for in that arrangement.
- Customer service...if I have to wait 20 or more minutes to get someone on the phone, we've got a problem
- Services offered.....night deposit? Can I get a car loan or mortgage with the best rate easily through my own bank? Is their online banking reliable, and easy to navigate?
- Quality of service received at the branch....I don't want bad service when I can choose from hundreds of institutions.
Justine Kinship
www.justapinch.com
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Fri Dec 10, 2010 5:22 am |
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