My Sister went to work at the bank that I have an account with found out my account information and

her advantage. She convinced my Mother that had a stroke to take me off her Will after she meaning my Mother had a stroke. I had no idea my Sister went to work at my Bank she did it after she stopped talking to me. who is to blame and do you think I have a law case against my bank for not keeping my information private? This would maybe be a law question about banks credit unions .

My Sister went to work at the bank that I have an account with found out my account information and used it to

It sounds like your sister abused her privilege. You should talk to the bank manager first and explain the situation. He will probably fire her. That%26#039;s pretty serious. I used to work for a bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Yes you do and a case against your sister!

My Sister went to work at the bank that I have an account with found out my account information and used it to

I would certainly think that you DO have a case.. But be prepared to GET that case you will have to press charges against your sister and she will be responsible for her actions. Otherwise you don%26#039;t have a case against the bank.

My Sister went to work at the bank that I have an account with found out my account information and used it to

The financial institution is responsible for all their employees. I don%26#039;t know if the fact she%26#039;s your sister would have any bearing on this or not, but I certainly would pursue this by talking with a legal adviser.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Your sister will be fired and probably go to jail. What she did was both illegal and unethical. The bank might be held liable, but probably not, since she worked there. They had no idea what she was going to do with the information. So if you pursue it, be preparedto take your sister down, since she%26#039;s really the one at fault.

My Sister went to work at the bank that I have an account with found out my account information and used it to

Suing the bank would be counterproductive. They%26#039;ll lawyer up and win. You%26#039;d be better off getting a lawyer, making an effort to get the bank to work with you, and get your sister fired. Bankers kinda need to see accounts to do their jobs, but your sister definately violated bank policy if she took your information and showed it to a third party, that being your mom.

My Sister went to work at the bank that I have an account with found out my account information and used it to

this is a matter for the police... i doubt the bank could be held liable...

My Sister went to work at the bank that I have an account with found out my account information and used it to

If your moms stroke rendered her unable to make decisions then any will could be challenged.

Also please contact the bank- THEY have a problem.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First, decide how far you want to take this.

I would go to the bank manager and explain what has taken place (preferrably on a day when your sis is not there).

Ask him what course of action he plans to take.

Is it enough if she gets fired?? She will find it hard to find a new job.

If it isn%26#039;t enough after that, see about taking legal action.

However, be careful when doing this as once family finds out, you may be hearing from more than just your sister.

Good Luck.

My Sister went to work at the bank that I have an account with found out my account information and used it to

First of all, employees are told that any and all information on customers is completely confidential and not to be discussed with ANYONE except between employees of the bank within the bank setting. Your sister had to know this. She has absolutely had NO right whatsoever to do what she did to you. However, what you do all depends on how you feel about your sister. Are you prepared to press charges on your sister and possibly get her fired? I don%26#039;t believe you have a lawsuit against the bank. The bank cannot %26quot;babysit%26quot; all of their employees to keep them from devulging confidential information. Your sister was trusted as an employee to not do that when she was hired. It%26#039;s hard to say if you have a absolute lawsuit unless you see an attorney first because there has to be alot of things proven in order to find someone guilty of what you are saying she is guilty of. By your sister working for the same bank as you did she has access to your information and that is not the fault of the bank. All you can do is go to an attorney and have him/her inform you of what you can do. Good luck, hope it goes your way.

My Sister went to work at the bank that I have an account with found out my account information and used it to

I worked for a bank for 6 years and as an employee you need access to customers account in order to do you job... That being said you sister also signed and agreement with the bank to protect her customers information. You had a right to that privacy, and your sister was unethical. But I do not think the bank was at fault here, and I dont think a judge will either. If you have your lawyer contact the bank she works for she may be fired and also they might turn this info over to the police to help you build a case against her... But how did she use your info to her advantage, I dont get it?? Do you mean she saw you had a huge balance and told your mom you didnt need the money, because you have enough? If so then she was wrong but I dont know that she broke the law. Maybe you should sit down with your family (all of you together at once) and hash this all out with a mediator.

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% o

Where on internet can I find info from Banks or Credit Unions, that have a list of Car Loans that buyer was not able to cover 100% so bank had to take over, the bank want $$ back NOT the Car, so the bank either puts cars on auction or for sale for the Difference to recover the $! For example New car $ 20K 2K down 4K paid but 14 K + interest the person for some reason stop paying, so bank took over payment and took the car from the Person! NOW WHERE CAN I find this kind of unsuccessful Car Loans, bankruptcy %26amp; foreclosure?

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

Ok, read it again and I think I may have deciphered it this time.

It%26#039;s called any used car lot in your neighborhood or Carmax.com or about a million other places that sell used cars. Or try Copart, they are an auto auction company.

http://www.copart.com

Where/How Can I take over Car Loan, bankruptcy foreclosure Assuming I have $$, and will cover 100% of the loan

In your sitation,I would like to suggest you have a look here.http://carloan.featured-resources.info/c...

Who is best to get a home mortgage through?

Would it be best to go through banks, credit unions or other lenders that mortgage brokers might suggest? What are competible and reasonable mortgage rates? Is 6.25% legit for an first offer or should I definitely keep looking?

Who is best to get a home mortgage through?

As of today%26#039;s rates, depending on where you%26#039;re buying and how much you%26#039;re financing, 6.25% is dead-on for the 30 year fixed mortgages today. Assuming no more than 1% origination fee and other costs being reasonable.

I never discourage my clients from getting other offers. You should always talk to a couple places, I%26#039;d recommend 1-2 brokers, 1-2 banks, and try the credit union too. In my experience, credit unions have decent rates and low costs. Banks have higher rates and average costs. Brokers will come in on both sides, depending on who you find. Theoretically, a broker should be able to get you the best deal. In practice, not always the case.

But it doesn%26#039;t sound at all like you%26#039;re getting screwed or taken advantage of, again assuming that%26#039;s 6.25% 30 year fixed with reasonable costs.

Who is best to get a home mortgage through?

All banks just about offer the same products and loan programs with the different qualifications in each of their programs.

Your interest rate is based on your credit score and how well you have paid your consumer debt over time.

In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book.

He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate.

The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase.

When you speak with the mortgage broker you will need the following documents to complete the loan application

#1 One month of pay stubs for each person that will be on the mortgage.

#2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment.

#3 Two years of federal income tax along with the W-2 that match.

Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home.

In this pre-approval letter will be the amount of house you are qualified to purchased.

Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral.

Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign.

Your mortgage broker will now order an appraisal to show proof of the property value.

The mortgage broker might ask for additional information or documentation, don%26#039;t get all up tight this is normal, just supply the information or find the documents needed.

After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home.

I this has been of some use to you, good luck

%26quot;FIGHT ON%26quot;

Who is best to get a home mortgage through?

go to lending tree.com and lower my bills.com they match u up to 5 different lenders best for you. banks are not that good. mortgage brokers are better because they are connested to over 100 banks to find the best one for u. then compare which one u like better. and always ask for a good faith estimate, they will send you the monthly payments so u see how much it is. some lenders say one thing, but switch ur terms when u sign, and u signed up for something more expensive. some lenders already got caught doing that. but if u have the good faith estimate, and they switch ur terms, u can sue them. they even do it when u try to refinance. it was on the news a few days ago. make sure they are with the better business buruea

and it depends on ur credit score, and ur debt to income ratio and ur job for a interest rate. if u have low debt, a high credit score, you can get 6%. if u buy points you can get 5%.

if u have a high credit score, you dont need to state ur income.

Who is best to get a home mortgage through?

My personal preference is with the banks. If you pick the larger and more stable ones, then you will generally be looked after.

Mortgage Brokers can be good, but be careful and make sure you find out what their fees are and how they are being paid.

If you are new to mortgages, make sure you are aware that loads of banks and lenders make mistakes in their ongoing interest calculations. We all spend so much time looking for the best rate up front, and then just forget about our mortgages once we sign up.

You can use a spreadsheet to track your mortgage and check your statements, or download one of the better mortgagr software packages out there. It could save you thousands.

Who is best to get a home mortgage through?

A couple additional points to keep in mind as you consider the information above:

Sometimes a broker will get a better payment, sometimes a banker. Shop all types of lenders and see which comes out best for you.

While everyone has access to the same programs, there is something called a yield spread that nobody is going to tell you about. Basically, the yield spread is how much the loan originator makes on the back end when your loan is closed/sold. The higher the rate the originator can get you to take, the higher the yield spread and the more money the originator pockets. It%26#039;s basically a game - the originator needs to guess what%26#039;s the highest rate you%26#039;ll accept so as to make the most money. Letting everyone know you are actively comparing offers will help you get the lowest rate.

And another factor in determining your rate is how much money you are putting into the transaction. If you are talking 100% financing, the rate you are quoted is actually decent. But remember, it%26#039;s not all about the rate. There are fees, too. A low rate with high fees can be worse than a higher rate with no fees. You need to see the complete deal to make your decision.

Best of luck!

Who is best to get a home mortgage through?

6.125 - 6.25% with 0% origination fee and 0% discount points is good.

Check with the credit unions....since they have low overhead costs, they are usually very competitive when it comes to rates and fees.

============

REPLY TO TOGSHIYOKUNI%26#039;S COMMENTS:

I was one of the guys that threw up a rate, and I take offense to what you just wrote. If you look at the answers I%26#039;ve written over time, then you%26#039;ll know I%26#039;m not a B.S.%26#039;er.

6.25% w/ 0 pts %26amp; 0 origination is not high - even for those with excellent credit. The rates on a 30 yr fixed w/ 0pts, 0 origination on a 1-unit primary residence, with 5% down, and with good credit - 6.125 - 6.250% is the range.

Did I make some assumptions about the borrower? Yes. I assumed he was quoted the 6.25% by a loan officer. He surely didn%26#039;t just pull it out of thin air. I assumed the LO asked him about the property type, his down payment, his credit, etc. Of course, if the parameters change, eg, bad credit, then the rate will be higher.

You then go on to write that 3/27 ARM may get the borrower into the 5s. If it does, then BARELY - more like 5.875% - 6.000%. Are you familiar with the term inverted yield curve?? Also, why take a 3 yr ARM knowing you%26#039;ll have to refi it in 3 yrs when for another 0.125% you could have a 30 yr fixed. With such a small gap, even if the borrowers plans are to sell in 3 years, I%26#039;d still advise against it - as plans often do change.

Who is best to get a home mortgage through?

First and foremost, do not ever trust anyone who will just throw a rate at you. They%26#039;re the type of people that will get you in their camp, get to step 9 of 10, and then surprise you with a higher rate. What you qualify for depends on your total situation, not just your credit score. And what I mean by total situation is credit score, credit depth, debt ratio, reserves, loan-to-value, everything. An accurate rate cannot be found without this information. For someone who has top-notch credit and has all other factors in line with what the bank wants, a 6.25% rate may be high. All things being equal, it will depend on the product you want. A 30-fix may get you 6.25%, but a 3/27 ARM may get you down in the 5s. It all depends.

Who is best to get a home mortgage through?

Depending on your credit score and loan term, you could probably do better. For more information from someone in our loan officer network , fill out the free form at

www.totaldebtsolutionsllc.com

Can someone explain savings certificates to me?

Here are the rates on my credit unions site. I just don%26#039;t understand what they mean.

3-month certificate 4.35%

6-month certificate 5.05%

12-month certificate 5.20%

24-month certificate 5.25%

36-month certificate 5.35%

60-month certificate 5.45%

I would like to put in about 5000 dollars but am not sure what kinda return I get.

Can someone explain savings certificates to me?

The rates shown indicate how much interest you will be paid ( annualized) if you invest for specific periods of time. The longer the term the higher the rate. However, the money is tied up for the time you choose and you have to wait till maturity to be able to access your funds. There are cashable certificates which will pay a lower rate but will not penalize you for withdrawing early if you are unsure of your plans for the money. To determine how much you would get on a simple interest basis, multiply your 5,000 by the rate ( 5000 X 4.35%= 217.50 ) divide the annual amount 217.50 by 12 months= 18.13 and multiply by 3 months- length of term =54.38. If you go into the credit union and ask an investment person, they should be able to answer any questions you have.

Can someone explain savings certificates to me?

The number of months you put your money into a certificate of deposit changes the amount of interest the bank pays you. The longer the money is in the bank the more useful it is to the bank for investments like mortgages or car loans.

Once you put your money in a certificate you cannot get it out until the certificate matures or pay a fee of 20% of the interest if the certificate was held to maturity.

Can someone explain savings certificates to me?

Thats decent but not great rates

Depends on how long you want to keep your $ tied up ( cant take it out before due date w/o a penalty)

If you can.. go with the 60 month

Look around first- I just got a few 13 week ones for 5.15%

Can someone explain savings certificates to me?

No you don%26#039;t want to go with the 60 month. That%26#039;s 5 years!! You don%26#039;t want to tie up your money for 5 years - the interest rate could go up and you%26#039;d be stuck with a lower interest rate. I%26#039;d go with 6-month or 12-month for right now.

Private Lenders = Scam Artists!?

It%26#039;s a shame when you feel so desperate that after being turned down by banks, credit unions, legit loan institutions that you actually think you have a ray of hope with these so-called private lenders. I recently dealt with GA Trust Financial and threw away $500 and you would think I would have learned by now......ok, I did. When I see blogs and postings by individuals like: Chris Peters, Oliver Jenkins, Richard Walters, Phil Moor, Lomax Milton all saying the same thing: %26#039;you have been approved for a loan%26#039; I%26#039;m like %26#039;What?! - I traded emails with all of these individuals you know what? They have a lot in common: yahoo email accounts, numerous typos in their email, request for a insurance and/or transfer and/or security fee so the loan can be insured/secured, blah, blah. Sounds too good to be true? Because it is! It%26#039;s a shame you have individuals that feed off misleading folks and taking their money. It happened to me once, it%26#039;s not going to happen to me again. Lesson learned.

Private Lenders = Scam Artists!?

Private lenders do not equal scam artists, you dealt with scam artists that were pretending to be private lenders.

Private Lenders = Scam Artists!?

You can get a legitamate private loan at prosper.com.

Private Lenders = Scam Artists!?

I agree with you. That is why I got a mortgage from my own company. Hope your credit improves so that you won%26#039;t trip up on these scammers, and can go to a real company like mine. www.debjim.com- you can join us and learn about what is true or not.

Private Lenders = Scam Artists!?

You have abundantly answered your own question. Email offers are always a scam in one form or another, as you had to find out the hard way.

Private Lenders = Scam Artists!?

anyone asking for money upfront is a scam, you should never have to give money to receive money. Please be carefull

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and land

land and labor

natural resources and labor

land and money

2: The gross domestic product measures the total _____ of goods and services in a given year.

sale

output

profit

import

3: The American free enterprise system emphasizes:

public ownership

private ownership

both public and private ownership

not enough information

4: _______, the benefit from printing money.

Sovereignty

Seignorage

Seniority

None of the above

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

expansionary, contractionary

fiscal, monetary

monetary, fiscal

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

credit unions

gold reserves

central banking systems

private banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to reduce the danger of transporting gold

to reduce the possibility of debasement of coins

to avoid the reduction in circulating medium to hoarding and losses

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

unemployment

wealth and poverty

stagflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

the economy

stocks and bonds

currencies

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

25%

50%

85%

10 out of 60?

1: The two main Ingredients of the U.S. Economy are:

natural resources and labor

2: The gross domestic product measures the total _____ of goods and services in a given year.

output

3: The American free enterprise system emphasizes:

private ownership

4: _______, the benefit from printing money.

Seignorage

5: A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.

contractionary, expansionary

6: During the 1870-1920 period the industrialized nations set up _______, with one of the last being the Federal Reserve in 1913.

central banking systems

7: When used as part of a commodity money system, which of the following is not a function of paper currency?

to avoid the decrease in value of precious stones

8: The gold standard, in theory, limits the power of governments to cause _______ by excessive issue of paper currency.

price inflation

9: The Mundell-Fleming Model describes the behavior of ______ under a gold standard.

all of the above

10: Approximately ____ of all above-ground gold is held in reserves by central banks.

10%

10 out of 60?

This forum is not a good way to get people to do your homework. In my view, you would have better success in getting help, if you asked specific questions about things that you don%26#039;t understand.

10 out of 60?

I%26#039;ve done quite enough of your homework... get to work on choosing best answers for your questions then maybe someone will be interested in helping you out. If you keep this up in this section you%26#039;ll likely find yourself banned and then you%26#039;ll be stuck doing it yourself. I am quite happy that you are out of points... thankfully we can get to something else.

Who can certify my Treasury direct authorization form?

Acceptable certifying individuals include authorized employees of insured depository institutions and corperate central credit unions. Certification by a notary public is NOT acceptable.

I%26#039;m trying to open a Treasury direct account and I received an e-mail saying I have to mail in a form verifying my identity. Who is an acceptable certifying individual?

Thanks!

Robert

Who can certify my Treasury direct authorization form?

I have an Treasury Direct account and I just used my social security number to confirm my identity. Now of days SSN is needed to open bank accounts I guess.

Is it only Bank of America that routinely blows off their customers?

When I email about a discrepency in account balances, BOA seems to routinely blow off every complaint. They keep replying with a form letter stating that their numbers are correct, the over-balance fee will unfortunately not be refunded and that they appreciate my business, ......even when my question had nothing to do with an overdraft %26amp; my account didn%26#039;t overdraft. I%26#039;ve reiterrated that, and they%26#039;ve resent the same absurd email. They keep messing up my account balances, can%26#039;t tell me how they got their #%26#039;s and can%26#039;t explain when or where a debit was supposedly made by me for %26quot; %26#039;X%26#039; amount of dollars.%26quot; They don%26#039;t have a clue. They just want me, the customer they %26quot;serve%26quot; to know they are taking my $$ and are right because they say so. Is this common for every bank? Are credit unions or savings %26amp; loans any better in customer service? I told BOA this has happened too much and they should see if someone has their hand in the electronic till, there, but they don%26#039;t seem to get it.

Is it only Bank of America that routinely blows off their customers?

they seem like assholes. i%26#039;ve had bank of the west for 3 years and they have never made a mistake and never blew me off or anything.

i%26#039;d change banks, they should value your service if they dont f%26amp;ck them and leave.

Is it only Bank of America that routinely blows off their customers?

I always call them instead of email...but when the supervisor...disconnected my call, I took my business to wachovia.

Credit unions are great too.

Is it only Bank of America that routinely blows off their customers?

This has to be the gol dingdest dumbest bank in all of America and America should take it%26#039;s name off the label! They employ people without college educations. I should know, I used to date one of them! Take your money out. Take it out NOW! Put it in a bank that doesn%26#039;t exploit our beautiful American name!

Is it only Bank of America that routinely blows off their customers?

simple. get a different bank.

Is it only Bank of America that routinely blows off their customers?

Wells Fargo is the same way. They %26quot;lost%26quot; $400 from my friend%26#039;s account. I have had similar problems so I switched to a credit union. I do seem to get much much better service at the Credit Union that I am at than any other bank.

Is it only Bank of America that routinely blows off their customers?

i hate bank of americaaa i suggest you to choose a different bank they charged me with lots of overdraft fees... and it was their mistake... you would think they would put the money back.... and apologize... well they said it was too late :S they didnt give a F** .... really bad customer service!

Is it only Bank of America that routinely blows off their customers?

They are the worst about it. Did you call their customer service number that hangs up on you? That is my personal favorite.

No, not every bank is like that--and it sucks that so many people put up with BoA%26#039;s behavior. I suggest you take your cash and your credit elsewhere.

I belong to a credit union and they have excellent customer service and do not have a business strategy of squeezing some extra interest dollars from their customer base by having lags in deposits and other payment transactions. I know it%26#039;s only a penny or two from your account, but the interest they earn in those lags multiplied by their customer base may amount to some serious cash.

I feel your pain!!!

Is it only Bank of America that routinely blows off their customers?

The people (or maybe robots) who reply to e-mails do not read the e-mails so it%26#039;s pointless to try to reach them that way. I call them now. They are open 24/7 so call them just before you go to bed and you will get a human and an answer. If you get tripped up in the phone tree, hit %26quot;0%26quot; and it will transfer you to a human.

Good luck on your long and winding journey ....

-MM

Is it only Bank of America that routinely blows off their customers?

Stop trying to do it by email. Call them, write them a letter, or go into a bank branch and don%26#039;t leave until they deal with you.

If nothing works, you can file a consumer complaint with the Comptroller of the Currency, which is the agency in the Treasury Department that regulates national banks.

Is it only Bank of America that routinely blows off their customers?

I deposited a check once and online it showed on the account so I paid my bills and stuff and each thing I paid they charged me an overdraft fee because they said it was not posted yet and I said well cancel my account then and they actually would rather have lost a customer then listen to the problem. Wachovia is better

Is it only Bank of America that routinely blows off their customers?

Yeah bank of america can be pretty sucky. I%26#039;ve been a customer since they bought out one of the smaller branches. I%26#039;m in the process switching to another bank...

Is it only Bank of America that routinely blows off their customers?

Funny how I%26#039;ve never had an issue with them.

Tellers/employees are generally pleasant.

When I call them, they are pretty helpful.

Stop wasting your time by emailing them.

Stop by a branch and speak to a manager.

Is it only Bank of America that routinely blows off their customers?

I strongly recommend that you move your business to a small local bank. Because of their size, small locals must be responsive and helpful, otherwise they%26#039;ll be out of business. Unfortunately, their rates/terms are a bit less competitive than BofA, Citi, etc, but sometimes you get what you pay for.

Is it only Bank of America that routinely blows off their customers?

B of A has the approach that customer service issues can be solved by calling a bored CSR in a call center. They can%26#039;t.

Transfer over to Wachovia or Chase and find a local branch with a customer service representative (not teller) or assistant manager that will research the balance for you, preferably in a high net income market that isn%26#039;t terribly busy.

I don%26#039;t have an experience with Credit Unions since I have worked for a bank over ten years. It is more of an issue with not getting your case transferred to someone who has enough experience and critical thinking skills to write a spreadsheet and letter that explains your balance. All debits and credits also have codes that explain if they were for a fee, check, ATM, or other transaction.

Although you state no overdraft happened, It sounds like you may have been hit with daily and then weekly ODP fees if you initially had no overdraft linked account and then didn%26#039;t pay it back within a week, or have exceeded the linked amount in your savings account. If the fee was for something else, then someone in your frustrating attempts at getting this resolved would have mentioned returned check, check printing, foreign currency conversion charge, etc.

Hypothetical charges:

$29 for initial overdraft with no linked account

$6 if linked to overdraft account with balance to transfer

$11 charge if the balance is negative for 7 days

$3 charge per day of negative balance

Another possibility is that your account was not actually linked to an overdraft account like it should be. A linked credit card eliminates everything but the small initial fee because the limit is higher than many savings balances.

Monitoring your account on the internet along with using a Quicken or Money program also helps. I also pay all my bills online and have only an ATM card because the dispute rights of a debit card do not have the same government protection, especially if lost or stolen.

If you note just how the debit is listed on your statement, we can probably determine the cause.

I need a good bank, I hate Bank of America...?

I hate Bank of America, the fees are ridiculous, in fact, I hate banks period. Does anyone know of a good bank, how is Suntrust, or Regions, or US Bank? What do you think of credit unions or things like that.

I need a good bank, I hate Bank of America...?

BOA is a really good bank. I have a checking account, credit card though them for 10 years so far. BOA is a big bank and banks make money only one way though fees. Considering they are offering free checking accounts with free billpay as a drawback you are hit up with fees. I%26#039;ve never paid a fee for 3 years so far. That is because YOU FOLLOW THE RULES AND READ THE SMALL PRINT. A stupid customer is the best customer. If everyone was smart BOA would be out of buiness. If you don%26#039;t want fees go with a credit union at your employeer or small bank/online bank. They charge little to no fees due to low overhead but the convience is gone. Less ATMS, blackouts etc....

P.S. I have my savings account though ING direct. They have probably the highest savings next to emmigrant direct. Countrywide has I belive 5.25% for mortgage holders. I don%26#039;t want to go there because you have to maintain 10K an I don%26#039;t know if any emergency may pop up...

I need a good bank, I hate Bank of America...?

incorrect

Banks make the great majority of their money from loans not miscelenious fees. The problem is that when a company such as BoA or even McDonalds for example, gets too big then they no longer have to care about customer service...they are too busy drowning in money. Report It

I need a good bank, I hate Bank of America...?

Anywhere but boa,I did a charge card transaction and they showed it as a debit,when I proved the business did it as a charge card boa still refuses to correct it. Report It

I need a good bank, I hate Bank of America...?

Credit Union, definitely. They are member-friendly and not for profit!

I need a good bank, I hate Bank of America...?

credit unions are the best. i was the same as you and a co-worker got me to open an account with eastern financial credit union of florida. it is awesome. the checking account is free and u dont have to open with as little as $5.00. they offer saving accounts, checking, christmas club, vacation club, the interest rates are great. once you have been a member for a while, they offer great loans offers.

they are totally worth it. and they also have bill pay, online free checking and banking.

I need a good bank, I hate Bank of America...?

Every bank has its faults, write down what you want or are looking for in a bank. Go in and talk to them. See what they have to say, also tell them of your concerns.

No one has a perfect bank. Maybe attend a financial education class in your area to help you manage your accounts and give you helpful insight.

I need a good bank, I hate Bank of America...?

Citizens bank they have great hours and they are allways willing to help!!

I need a good bank, I hate Bank of America...?

Wachovia is a good bank. Federal credit unions are good too.

I need a good bank, I hate Bank of America...?

go for a local bank

I need a good bank, I hate Bank of America...?

Try your local credit union. You don%26#039;t have to be a member of a union to join one.

I need a good bank, I hate Bank of America...?

I bank at US Bank and like it so far- i would go have a meeting with one of their personal bankers and have a list of questions ready to ask. I have heard good things about credit unions too though

I need a good bank, I hate Bank of America...?

Credit Unions 100%.

They are definitely client friendly, do not rake you over the coals with charges and are willing %26quot;understand%26quot; situations much more readily than FOR PROFIT banks.

If you qualify for a Credit Union... do it... NO QUESTION!

I need a good bank, I hate Bank of America...?

I%26#039;ve been banking at various banks for 20 years and have NEVER paid any fees. Why? I don%26#039;t bounce checks, use another bank%26#039;s ATM, and always pay on time. One more thing, if you use a debit card you have to know what your checking account balance is on a daily basis so you don%26#039;t get slapped with fees. Forgo the debit card and use a credit card instead. You%26#039;ll get one monthly statement on all your purchases and then pay it all off every month.

One more item, if you travel a lot, BofA has ATMs across the US. If you use a local bank or credit union, you%26#039;ll pay fees when you use another bank%26#039;s ATM.

I need a good bank, I hate Bank of America...?

me too.....I love Washington Mutual. Credit Unions are the best. Stay away from Wells Fargo, they are as bad as B of A!

I need a good bank, I hate Bank of America...?

There are ways you can avoid charges at Bank of America, but you need to ask instead of getting mad at them. They are like one of the worlds largest banks, they must be doing something right! What fees are you referring to, they have options for free checking accounts, if you are getting bounced check fees, that is your fault not the banks, I think their fees are right there with other banks, you have to remain competitive. If you are looking for convenience, you can%26#039;t get more convenient than Bank of America. they have ATMs every where, where are the ATMs for a local bank or credit union if you travel to the next city?

Any other fees that you may be charged are all in the brochure they give you when you open you account, you just have to read it. No one to blame but yourself if you don%26#039;t. Any bank or credit union you go to will have fees, no matter what, if you don%26#039;t ask or don%26#039;t read disclosures you will never be happy at any bank or credit union.

Your best option is a Serta!

Has anyone seen - www.bankerspank.com - very funny?

I saw it at AddisonAvenue.com where I got a free checking account. Are all credit unions not-for-profit?

Has anyone seen - www.bankerspank.com - very funny?

Hi~

Yes, all credit unions are not-for-profit. That%26#039;s what makes them unique and better than a bank as far as rates and service. Account holders are member owners of credit unions. Banks just want to make profits for their shareholders. Profits from credit unions go back to their member owners in the form of dividends, higher rates on savings, and lower rates on loans.

Has anyone seen - www.bankerspank.com - very funny?

Those are cute commercials, I like that!

Yes, all credit unions are nonprofit

Has anyone seen - www.bankerspank.com - very funny?

Nope,haven%26#039;t seen it.

Bank fee frustration - why do we persist with them?

With the increase in fees and charges being charged by the big banks and even building societies - why is that more people don%26#039;t take advantage of credit unions with their community minded and low fee culture? Is it a matter of a lack of understanding or lack of confidence in the security of the product?

Bank fee frustration - why do we persist with them?

i think it has to do with the ease and convenience of having an ANZ, CBA, NAB, or Westpac ATM on location when out and about. It%26#039;s a little harder to find the service you want at an impulsive moment when dealing with the smaller financial institutions.

I was trying to keep the money under my bed but i was having trouble with the big lump on one side, it was making me roll over and ending up on top of the misses, she thinks i was trying to get a bit in the middle of the night...... damn its tough having all that money........

Bank fee frustration - why do we persist with them?

There aren%26#039;t enough of credit unions in proximity to people and the general have a loss of access to anything but big conglomerate banks. Plus the general public prefers to walk thru life with blinders on

Bank fee frustration - why do we persist with them?

It%26#039;s complacency and ignorance. People just don%26#039;t want to make that effort to find out what the CUs have to offer. Besides, they probably think the CUs don%26#039;t offer the same services that the big banx offer (ATMS all over town) and all that jazz.

my people perish because of ignorance. That%26#039;s what%26#039;s in the bible.

Would you be fearful of investing part of your savings with a well established, old time, well known

a %26quot;mainline Proestant church%26quot; in a %26quot;bank%26quot; that uses the invested money to build new churches or enlarge established churches? This church and %26quot;bank%26quot; have existed for many years, and is highly thought of. The only negative thing, for me, is that the investment is not %26quot;gauranteed by %26quot;the federal government.%26quot; What do you think? Interest paid is about like regular banks or credit unions, perhaps a little higher.

Would you be fearful of investing part of your savings with a well established, old time, well known arm of?

If the interest is about the same between the guaranteed and un-guaranteed investments, I would without question take the guaranteed option. Even if the interest is slightly higher in the unguaranteed option, having that security is worth the reduction in the interest rate.

Would you be fearful of investing part of your savings with a well established, old time, well known arm of?

I suggest you to invest in the Stock Market with the help of a Financial Advisor like myself where you can make 50% in a year instead of 5% a bank typically pays you.

The risk can be limited to just 10% which means you will only lose $1,000.00 in a year if you invest $10,000.00

Can you handle that?

If you need more detailed information about the Stock Market you can drop me a line.

Top 3 Answerer in Business %26amp; Finance. (Vote for me)

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Cal

Did he lown tha banks Bank of America, Wacovia, City Bank, and Union Bank money for equity loans?

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Calfornia?

the first commentor hit it on the head....he%26#039;s a CROOK!

Here is some good reading:

http://www.quixo.com/donald_t_sterling_g...

Did Donald T. Sterling Corp. proposed a credit line for acqusition of real propertry in Southern Calfornia?

Yes he sure did.

This guy is a crook, he also owns the LA Clipper Basketball team.

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

a. externality

b. unemployment rate

c. expansion

d. exclusion

_____are low-cost financial institutions open only to workers of the group that sponsor them.

a. Commercial banks

b. Savings and loan associations

c. Credit unions

d. Central banks

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

I%26#039;m not certain but my answers are A)externality %26amp; C) credit unions

An ____ is an unintended side effect of an action that affects someone not involved in the action.?

I am unsure of the first one I would say b but I don%26#039;t know for sure the second I think is C

I am late in an equity line payment .Can my bank freeze my checking account also with them?

Iam trying to make arrangements to bring this loan up tp date.But need time to accumilate the needed funds.Becasue Iam also late in my first mortgage.This is why I have began to think about this.Should I close my checking account and open another one so at least I can other obligations.Or am I safe,is it ilegal for banks to take this action.Because credit unions do this.Iam very concernedmit would not help them or me.

I am late in an equity line payment .Can my bank freeze my checking account also with them?

have you called the mortgage company to explain. Believe me..they will work with you. There are way to many homes going into foreclosure right now. The government has ordered banks to work out plans with people so they can save the loan. The gov. can%26#039;t afford to jump in and head up this foreclosure crisis. They are already hooking up citibank and another lender that is 400 billion in the hole. Call them..explain your situation. great luck to you. Happy Holidays! This is only a speed bump!

Why do people put their money in banks?

I honestly cannot understand why anyone would put their money into a for-profit financial institution. It%26#039;s not like there isn%26#039;t an alternative. Mutuals! In Australia credit unions and some of the building societies are mutuals (I assume most countries have their own equivelants). They make no profits. Why do people stay in the banks as the banks make billions of dollars profit per year? Most of that money is straight out of the pockets of their customers. Whereas the mutuals, all the %26quot;profit%26quot; goes straight back to members (customers) in the form of more services, lower fees, etc.

So why? Please help me understand.

Why do people put their money in banks?

I think in the beginning most people used banks for the safety and protection of their money, and for what little interest they offered. At the time banks were about the only well known option that allow easy access to your funds. However, now many other options exist that allows equal protection, and more opportunities for greater investment (interest, etc) GOOD QUESTION

Why do people put their money in banks?

I spend less when I put it in the bank. It doesn%26#039;t burn a hole in my pocket that way.

Why do people put their money in banks?

In the USA, most credit unions only offer their memberships to people involved with certain organizations or companies. Not everyone has affiliation with a company that provides membership.

Why do people put their money in banks?

BANKS have been around for 300 years!

Check out Encarta.com %26quot;BANKS%26quot;

Why? Do people deposit money into Banks and Credit Unions in the United States?

Because moeny is safer on deposit with an FDIC government insured institution such as a Bank of America, Wells Fargo, Wachovia, JP Morgan Chase, or US Bank among 9,500 other options NOT including Credit Unions which are NON-PROFIT organizations in the US.

Banks pay interest to depositors, banks of the safety and convenience that Consumers and Business Owners and Corporations trust.

Banks also offer investment services, personal trust services, and most of all Consumer, Business, Commercial and Corporate Credit (LOANS) to people to make purchases such as cars, real estate, businesses, homes, etc....

We DON%26#039;T want people to keep their MONE at home and in a mattress for example its NOT safe.

Ture Banks are for PROFIT but they offer many financial services and conveniences such as Credit Cards, Student Loans, Financing, Insurance, Ag Lending, Online Banking, ATMs, Gift Cards, Checks, Money Orders, Wire Transfer Services, Private Banking, International Banking Services, among many more products and services.

The USA was built on economic empowerment, and CAPITALISM.

Banks play a major role in corporate america, mergers and acquisitions, stocks, bonds, corporate financing, Wall Street, etc...

If a mutual goes out of business you loose your money??

If a Bank fails you get your MONEY from the Federal Government in the USA.

Hope this helps you understand our economic system.

More facts can be located at:

www.occ.gov

www.federalreserve.com

www.federalreserve.gov

www.fdic.gov

GOOD DAY MATE! :-)

Why do people put their money in banks?

I have completely free checking plus my balance earns interest so it%26#039;s not costing me much.

Why do people put their money in banks?

People who put money in a bank get interest - the bank PAYS them to keep their money there. Most of the bank%26#039;s profit comes from interest on loans that the bank makes to its customers.

Why do people put their money in banks?

In the US, the equivalent of mutuals are credit unions. I have accounts with both banks and credit unions. I will tend to establish whichever loan or depository relationship benefits me most, i.e., whichever gives me the best interest rate and/or services. Most people are like me, and are going to do whatever is the most self-serving.

It doesn%26#039;t matter to me whether or not the institution makes a profit. However, just because an institution is non-profit does not necessarily mean it offers the best rates and/or services. If that were the case, then banks would promptly go out of business. Banks make a profit, but have to provide services on a competitive basis. Those that are successful find a way to do this.

Note: I%26#039;m a banker (I do construction loans), but yet I do not personally have any accounts with the bank I work for.

Why do people put their money in banks?

Banks generally do not make that much money on fees. They are more interested in getting your cash deposits and making a spread on your money. For example, every dollar you deposit, bank gives you $0.04 as a thank you, while the bank will lend your dollar to others and charge them $0.0825 for every dollar. Hence the spread is $0.0425 on every dollar bank lends. Plus the bank will use a creative way to package your cash and sell it as a derivative in the investment world and make more money.

Your assertion that banks make money is correct. How they make money is arguable. So why not join the gang and buy some shares of the banks you hate the most? That way, you can part-take in the profit.

Why do people put their money in banks?

a lot of people dont know other investment vehicles so just let the money in savings w/c is the lowest . mostly employees 9 to 5 no time to or busy in their job.

How to find a best mortgage lenders, in terms of rate, fee and service?

I am a first time home buyer. I am seeing lot of adv of mortgage lenders in bakerate.com. How do I know those companys are good in terms of rate, fee and service? Is there any review sites? Is there any advantage in getting mortgage loan through reputed banks like wells fargo, chase or bank of america? It seems their rates are higher than Credit Unions. Appreciate, experts answers.

How to find a best mortgage lenders, in terms of rate, fee and service?

check online...easiest way to go...

How to find a best mortgage lenders, in terms of rate, fee and service?

A good mortgage broker will contact at least 3 different lenders to get you the best rate possible find a local one with a good reputation and have them pre approve you make sure they are licensed and bonded good luck!

How to find a best mortgage lenders, in terms of rate, fee and service?

Pay attention to closing costs, rate and APR.

A mortgage broker who tells you there are no closing costs is just pushing up your rate to cover their costs, or including the closing costs in the loan amount.

I have no problem with brokers making money, but we need to understand that they will make money, one way or another.

How to find a best mortgage lenders, in terms of rate, fee and service?

A site that I like quite a bit to follow mortgage information is www.mortgage-x.com. They have terms, graphs and other usefull information.

Different cash loans? please explain?

ok now my mom is arguing that these companies dont operate under the same principle please come up with the reasonably answer so i can show my mother that they all operate under the same pricipal. the companies i am talking about are comanies like %26quot;cash and go%26quot; banks, credit unions, and all forms of financing and loans

please answer me this is there a basic principle to these companies and their various ways of leniding money advancing monye loan money wether it being, 10, 20, 500, 1,000, 50,00 200,000, do they operate in this priciple %26quot;they borrow, then they pay back the money, plus an intrest wether, it coming from a table, apr intrest rate, and all other forms of intrest.%26quot;

basically if all companies are almost the same.

hopefully you guys understand me to end this arguement.

Different cash loans? please explain?

yup, your right, even though places like cash-n-go make you pay more, they are virtually all the same.

Different cash loans? please explain?

Not sure read some finance tips and more on this site

Different cash loans? please explain?

except in the case where the loan has added fees and other %26#039;points%26#039; to increase the yield to investors beyond the stated interest rate. Look for the actual APR in the disclosure documents to include penalties for early repayment.

Different cash loans? please explain?

Try the fact that the interest they charge is outrageous!

For example: You borrow $200.00, and the payback amount is $230.00....do the math. What is the actual interest paid on a loan of $200.00?

Also, if you run into trouble and cannot pay the entire amount, the lender will often allow you to pay the interest on the loan, BUT you do not pay it down like that. They are only going to apply the money you give to the interest on the loan.....the total amount of $230.00 remains due no matter how many times you give them an interest payment!

Say they let you pay the interest five times, on the sixth visit you can pay the entire $230.00...by that time you have paid $180.00 in interest for a $200.00 loan!

Is that reasonable enough for you?

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don't charge annu

Or credit unions with free checking as well. Any feedback

would be greatly appreciated.

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

Try a mutual fund company like Vanguard or Fidelity. They don%26#039;t charge annual fees, and you have lots of choices for what to invest in--stocks, mutual funds, money market, conservative, risky, whatever.

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

Shop around. I don%26#039;t know if you%26#039;ll find one that is free, but to go from $40 to $75 is a steep increase. What about a 401K from your employer? My employer gives us an annual match that varies year to year depending on how well they do and how good customer satisfaction is. There are both banks and credit unions that offer free checking. Certain rules apply such as age, minimum balance, how many checks you write in a month, having direct deposit. They all have their own rules. Some even pay interest if you keep a certain balance. Good Luck

My bank has increased my annual IRA fee from $40 To $75. Are there banks that don%26#039;t charge annual IRA fees?

If you have a savings account or checking account with the same bank, they usually waive the fees. It depends on how much you have.

Does any one know of any banks in Seattle that sell repo cars?

I already checked most of the credit unions...but their car auction lists are very limited. Has any one here bought a car from a particular bank auction here in Seattle, WA?

Detais appreciated. Thanks.

Does any one know of any banks in Seattle that sell repo cars?

Hi

You can find thousands of different auction and repo cars really cheap in Seattle at http://www.carauctions.co.nr

Hope this helps

Does any one know of any banks in Seattle that sell repo cars?

becu is the only one I know of