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| Harris Bank https://mail.chicagofanatics.com/viewtopic.php?f=75&t=83459 |
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| Author: | Darkside [ Fri Nov 29, 2013 9:49 pm ] |
| Post subject: | Harris Bank |
OK. So I've had a Harris Bank checking and saving account for about 7 years now. Free checking, and a few bucks in the saving account. I keep my bill money in the checking account. Throw the extra in the Saving account. So I find a $15 fee on my checking account register. Seems they "Upgraded" me to Gold checking. Awesome. A $15 monthly maintenance fee for checking accounts of less than $3000 a day. So if you have one day in which you dip under $3000... you get a monthly maintenance fee. Never mind what I have in my Saving account I guess. So... I'll be closing those accounts. Who has a suggestion for a bank that doesn't so shit like this? |
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| Author: | Big Chicagoan [ Fri Nov 29, 2013 9:54 pm ] |
| Post subject: | Re: Harris Bank |
Chase for checking, Ally for savings. Simple. Better interest rate with Ally. |
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| Author: | Darkside [ Fri Nov 29, 2013 10:01 pm ] |
| Post subject: | Re: Harris Bank |
Big Chicagoan wrote: Chase for checking, Ally for savings. Simple. Better interest rate with Ally. Was just looking at Chase online. It pisses me off because I clear their requirements for total deposits but I don't keep money in the checking that I don't pay bills with... That goes into saving and stays there. 
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| Author: | Big Chicagoan [ Fri Nov 29, 2013 10:04 pm ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: Big Chicagoan wrote: Chase for checking, Ally for savings. Simple. Better interest rate with Ally. Was just looking at Chase online. It pisses me off because I clear their requirements for total deposits but I don't keep money in the checking that I don't pay bills with... That goes into saving and stays there. I have no minimums on my checking account. Same with my Ally savings account. |
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| Author: | Peoria Matt [ Fri Nov 29, 2013 10:05 pm ] |
| Post subject: | Re: Harris Bank |
Any credit unions in your area? |
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| Author: | Big Chicagoan [ Fri Nov 29, 2013 10:07 pm ] |
| Post subject: | Re: Harris Bank |
Online savings accounts are the way to go if you actually want to accumulate some sort of interest on your money. Just find a place with free checking, and then just transfer money from the checking to the online savings account. It's simple and pretty quick. |
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| Author: | Darkside [ Fri Nov 29, 2013 10:08 pm ] |
| Post subject: | Re: Harris Bank |
Peoria Matt wrote: Any credit unions in your area? No idea... Open to suggestions. |
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| Author: | Chus [ Fri Nov 29, 2013 10:14 pm ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: OK. So I've had a Harris Bank checking and saving account for about 7 years now. Free checking, and a few bucks in the saving account. I keep my bill money in the checking account. Throw the extra in the Saving account. So I find a $15 fee on my checking account register. Seems they "Upgraded" me to Gold checking. Awesome. A $15 monthly maintenance fee for checking accounts of less than $3000 a day. So if you have one day in which you dip under $3000... you get a monthly maintenance fee. Never mind what I have in my Saving account I guess. So... I'll be closing those accounts. Who has a suggestion for a bank that doesn't so shit like this? Citibank. I have never been charged a fee for anything. My checking account even earns interest. Not much, but it does. Like Peoria Matt said, Credit Unions are good as well. Avoid Chase at all costs. |
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| Author: | crosscheck [ Fri Nov 29, 2013 10:16 pm ] |
| Post subject: | Re: Harris Bank |
I've been really happy with pnc checking and savings |
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| Author: | conns7901 [ Fri Nov 29, 2013 10:28 pm ] |
| Post subject: | Re: Harris Bank |
Big Chicagoan wrote: Darkside wrote: Big Chicagoan wrote: Chase for checking, Ally for savings. Simple. Better interest rate with Ally. Was just looking at Chase online. It pisses me off because I clear their requirements for total deposits but I don't keep money in the checking that I don't pay bills with... That goes into saving and stays there. I have no minimums on my checking account. Same with my Ally savings account. Yeah I use chase and get a text reminder if I drop below 50 dollars in my checking. I have a savings account through them to but it sucks. |
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| Author: | Darkside [ Fri Nov 29, 2013 10:30 pm ] |
| Post subject: | Re: Harris Bank |
Chus wrote: Avoid Chase at all costs. Why? Wha happon? |
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| Author: | bigfan [ Fri Nov 29, 2013 11:46 pm ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: OK. So I've had a Harris Bank checking and saving account for about 7 years now. Free checking, and a few bucks in the saving account. I keep my bill money in the checking account. Throw the extra in the Saving account. So I find a $15 fee on my checking account register. Seems they "Upgraded" me to Gold checking. Awesome. A $15 monthly maintenance fee for checking accounts of less than $3000 a day. So if you have one day in which you dip under $3000... you get a monthly maintenance fee. Never mind what I have in my Saving account I guess. So... I'll be closing those accounts. Who has a suggestion for a bank that doesn't so shit like this? Obamaed! |
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| Author: | spanky [ Fri Nov 29, 2013 11:53 pm ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: Chus wrote: Avoid Chase at all costs. Why? Wha happon? Yeah. I'd disagree with the "at all costs" thing. I think it depends on what your needs are. Been with Chase forever, no "upgrades" - never heard of that actually. But I know that there are minimums and other requirements, etc. We like Chase. Never had a problem. It sounds like you are not looking for something that will make you a few extra $ via interest rates, but something simple and stable. That sounds like a credit union to me. There are credit unions everywhere and they will probably welcome you with open arms. |
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| Author: | bigfan [ Sat Nov 30, 2013 12:01 am ] |
| Post subject: | Re: Harris Bank |
Totally Free Checking |
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| Author: | Rod [ Sat Nov 30, 2013 8:16 am ] |
| Post subject: | Re: Harris Bank |
crosscheck wrote: I've been really happy with pnc checking and savings I agree with that. I had a beef with an idiot at PNC that I related here and so I picked up and moved out. But the truth is, I was cutting off my nose to spite my face. I never had many other problems with PNC and their many locations are very convenient. I've tried time and time again to find a small local bank where i could establish a personal relationship with a banker, but it seems like a business where very few people stay in the same job for very long, not to mention that the small banks are often bought out by the big guys. |
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| Author: | Chus [ Sat Nov 30, 2013 8:24 am ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: Chus wrote: Avoid Chase at all costs. Why? Wha happon? Too long to type it out again. I will see if I can find it. |
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| Author: | denisdman [ Sat Nov 30, 2013 8:25 am ] |
| Post subject: | Re: Harris Bank |
I know Harris sent around paperwork a few months back about changes to all accounts. I'll have to watch out for that. I am a former Household customer when it was bought out by Harris. |
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| Author: | Tad Queasy [ Sat Nov 30, 2013 10:37 am ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: OK. So I've had a Harris Bank checking and saving account for about 7 years now. Free checking, and a few bucks in the saving account. I keep my bill money in the checking account. Throw the extra in the Saving account. So I find a $15 fee on my checking account register. Seems they "Upgraded" me to Gold checking. Awesome. A $15 monthly maintenance fee for checking accounts of less than $3000 a day. So if you have one day in which you dip under $3000... you get a monthly maintenance fee. Never mind what I have in my Saving account I guess. So... I'll be closing those accounts. Who has a suggestion for a bank that doesn't so shit like this? I also bank with Harris and got the same notices that denisdman mentioned. I had two checking accounts with Harris, one for general checking and one that I used for my mortgage payment. I liked having them separate and at the time there were no additional fees. After I got the notice I was going to close my accounts at Harris shop around for another bank, but it seemed like a big pain in the ass so I just closed the extra account and stayed put. Will be interesting to see what else people suggest in the thread...maybe I will switch. I have to say that mobile check deposit is pretty damn cool. |
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| Author: | denisdman [ Sat Nov 30, 2013 1:34 pm ] |
| Post subject: | Re: Harris Bank |
Mobile check deposit rocks. I went and looked into my account type. It says I need to maintain $1,000 to avoid fees. Like Darko, I tend to keep a low amount in there because it does not pay interest. Unlike him, I keep my excess cash and investments at Etrade. Now that my money market pays near zero, I don't even waste time transferring excess cash any more. |
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| Author: | SomeGuy [ Sat Nov 30, 2013 3:47 pm ] |
| Post subject: | Re: Harris Bank |
It's going to be awesome when the banks start to overtly and officially charge consumers to hold their money. Not just minimum amounts or whatnot, but charge big bucks to grant you the right to deposit your money with them. |
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| Author: | crosscheck [ Sat Nov 30, 2013 3:53 pm ] |
| Post subject: | Re: Harris Bank |
The worst thing that pnc has ever done t me is not give me interest on my checking account if I don't meet the minimum... |
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| Author: | SomeGuy [ Sat Nov 30, 2013 3:56 pm ] |
| Post subject: | Re: Harris Bank |
crosscheck wrote: The worst thing that pnc has ever done t me is not give me interest on my checking account if I don't meet the minimum... Get used to it, it's only going to get worse. The banks are already saving/making (whichever you think about it) hundreds of billions per year on not having to pay any real interest to consumers on deposits due to Fed policy, now they need to put the government sanctioned squeeze on again. The bailouts didn't stop with TARP and such, they keep going and going and going. |
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| Author: | redskingreg [ Mon Dec 02, 2013 10:37 am ] |
| Post subject: | Re: Harris Bank |
I've never been hit with a fee by US Bank. I recommend them. |
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| Author: | sjboyd0137 [ Mon Dec 02, 2013 10:46 am ] |
| Post subject: | Re: Harris Bank |
Been with Chase for over 10 years. No complaints. We have a joint checking account, and all of the wife's personal accounts through Baxter Credit Union. She's been with them since she started at Baxter, and they are open to the public as well. No monthly maintenance fees. There are a limited number of free ATM transactions, plus a ton of banks that they have agreements with for no ATM fee transactions anyway. They have a branch on site at Baxter in Round Lake off of 120 (like 10 minutes from the estates. Website is www.BCU.org |
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| Author: | Brick [ Mon Dec 02, 2013 10:50 am ] |
| Post subject: | Re: Harris Bank |
Darkside wrote: OK. So I've had a Harris Bank checking and saving account for about 7 years now. I think $15 a month is fair to store a number on a computer hard drive.
Free checking, and a few bucks in the saving account. I keep my bill money in the checking account. Throw the extra in the Saving account. So I find a $15 fee on my checking account register. Seems they "Upgraded" me to Gold checking. Awesome. A $15 monthly maintenance fee for checking accounts of less than $3000 a day. So if you have one day in which you dip under $3000... you get a monthly maintenance fee. Never mind what I have in my Saving account I guess. So... I'll be closing those accounts. Who has a suggestion for a bank that doesn't so shit like this? |
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| Author: | Seacrest [ Mon Dec 02, 2013 10:55 am ] |
| Post subject: | Re: Harris Bank |
Joe Orr Road Rod wrote: crosscheck wrote: I've been really happy with pnc checking and savings I agree with that. I had a beef with an idiot at PNC that I related here and so I picked up and moved out. But the truth is, I was cutting off my nose to spite my face. I never had many other problems with PNC and their many locations are very convenient. I've tried time and time again to find a small local bank where i could establish a personal relationship with a banker, but it seems like a business where very few people stay in the same job for very long, not to mention that the small banks are often bought out by the big guys. I thought about leaving Harris, but the clearing of business checks in 24 hours was the reason I stayed. PNC was up to 72 hours to clear them. And DS, there are other plans you can take that charge less. It was all listed in the novella they sent out in September. |
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| Author: | pittmike [ Mon Dec 02, 2013 10:58 am ] |
| Post subject: | Re: Harris Bank |
I have been reading/hearing that due to monster banks and/or fed policies i.e. low interest rates the banks will charge even more. Instead of giving you something for having your money they will charge for convenience of using their "services". Don't get me started on the whole crack dealer strategy they used in introducing ATM cards. |
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| Author: | Bagels [ Mon Dec 02, 2013 10:59 am ] |
| Post subject: | Re: Harris Bank |
Joe Orr Road Rod wrote: I've tried time and time again to find a small local bank where i could establish a personal relationship with a banker, but it seems like a business where very few people stay in the same job for very long, not to mention that the small banks are often bought out by the big guys. Despite its (sole) location being inconvenient to me, I stayed at Chesterfield Bank in Beverly for quite awhile since it was one of the few local banks who hadn't got bought out yet. But eventually they became Mid-America, then National City then.........PNC My dad was telling me about some big bank like Harris or Chase where he had a safe deposit box for years....one year they decided to raise the price by some ridiculous amount, it went from 25/yr to like 75/yr....he went in there to complain and they basically told him to fuck off. he went to some little polish owned bank down the street and got one for like 15$ |
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| Author: | Bagels [ Mon Dec 02, 2013 11:01 am ] |
| Post subject: | Re: Harris Bank |
also, kind of the opposite of what DS is saying...i went into PNC a few months back because i needed a cashier's check/MO....they tell me it's fucking 10$ for a cashier's check i couldn't believe it. i said you know i can go down the street to the grocery store and get a money order for like 75 cents ???? Teller goes hang on, i think you qualify for the next level checking....turns out I did, so she upgraded me, which then one perk was i got free cashier's checks. but i go, i'm eligible for this but you don't tell me until i complain about something else ? there was no way i was going to pay 10$ for a cashier's check but if i had, i'm guessing she never would have told me i was eligible to upgrade |
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| Author: | Frank Coztansa [ Mon Dec 02, 2013 11:05 am ] |
| Post subject: | Re: Harris Bank |
Joe Orr Road Rod wrote: I've tried time and time again to find a small local bank where i could establish a personal relationship with a banker, but it seems like a business where very few people stay in the same job for very long, not to mention that the small banks are often bought out by the big guys. Yes, its nice to get a "hello" when you walk into the bank.
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