Here is my banking history.
I started with Bank of America. Everything was great until one day when shit went horribly wrong. I deposited my paycheck in the ATM and everything should have been fine. But it wasn’t. The receipt showed I keyed in the correct value of the deposit. But when the person sorting the shit out in the morning keyed in the value they made a typo. They missed a digit so it adjusted my balance to what they keyed in. Hello bounced rent check.
Getting this fixed was a fucking nightmare. But I stuck with BofA.
And then a few years later I fucked up and made a deposit but instead of sticking a check in the envelope I stuck in something that was similar to my check but not my check. It was during my lunch break and I was busy and stressed. So the next day I go to the ATM to pull out money and my account was closed. Here is the thing. I had a few grand in the bank and the accidental deposit was only a few hundred.
So I call the bank and they say I can only fix this at the branch I opened my account at. Here is the rub. I moved and now I have no cash and can’t get to the branch I opened my account at.
I was very pissed off and I asked if I could just go in to a local branch and close my account and get my cash. They said that would work.. WTF?
So I closed my account and then the next day at work asked the HR person at work about about my banking options since I figured I should see if I can direct deposit my paychecks. So she had me open a account at Portland Teachers Credit Union. They were fantastic. Easy to set up and direct deposit took no intervention from me.
And a few years later I messed up at the ATM. I stuck in a check at the atm and left off the cents. So 1600 became 16. Again this was when I had a pending rent check. But I called in and told them what happened and they trusted me and adjusted the deposit. Hello happy camper.
The moral of the story is fuck bank of america. And find a credit union. I have been using Portland Teachers Credit Union (now OnPoint) for about 18 years and they are all kinds of fantastic.