How good is Chase Bank? - Chicagoland Sportbikes
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post #1 of 37 (permalink) Old 04-04-2009, 06:25 PM Thread Starter
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How good is Chase Bank?

We have TCF and I am done with them. They are pulling more crap and charging me over draft fees on crap that I proved to them that I transferred in plenty of time to cover the charges. The teller at the bank even said, but I have to call customer service to have them fix it.
So we have 3 Chase credit cards and a few years ago they were a pain, but now they changed stuff around. The one we had (I think Circuit City) and if you paid on line less then 14 days, you got charged a fee. Well that all changed and we can pay on the due date and have no issues. When we went to Mexico we called them to let them know that we will be using the Chase card so they know they will see some charges from Mexico and they were so helpful. So now we're thinking going to Chase, who has Chase? How do you like them? What should I ask before I open an account there? Do anyone use the Chase App for the iPhone?
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post #2 of 37 (permalink) Old 04-05-2009, 12:17 AM

 
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Chase is a great bank.

I have dealt with many banks through my personal and work life, and Chase by far is a good experience every time so far, whether it be for a deposit, for an auto loan, whatever. Of course this can all change. But a few banks that I've dealt with have gone downhill with all this merger stuff, but Chase is solid, so as they merge they change the other banks to fit their business practices, so I haven't really had any problems. Plus there's so many of them so they're very convenient.
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post #3 of 37 (permalink) Old 04-05-2009, 12:22 AM
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I've heard good things, BUT...I had a vehicle loan through them that was one of the worst banking experiences I've ever had. Long story short, they couldn't find my title at the time of sale and WOULDN'T TAKE A CASHIER'S CHECK FROM THE BUYER!! They said that the checks could be counterfeited...ummmm, so can cash!

So that's my story (the Cliff's Notes version). For personal banking, I stick with local banks, small places that really know who I am. No complaints.

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post #4 of 37 (permalink) Old 04-05-2009, 12:34 AM
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I've been happy with chase. Have credit cards and banking through them and never had a significant issue. I rarely walk inside a branch but when I have the employees have always been very nice and helpful, at various locations. I think their website/online banking is great too

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post #5 of 37 (permalink) Old 04-05-2009, 12:35 AM
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I had first chicago, bought by Bank one.. bought by Chase...

They are a bank. They are like a hooker.

They will charge you money, and you'll get fucked. But remember they are a bank, so just expect it and you'll be a happy customer.

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post #6 of 37 (permalink) Old 04-05-2009, 12:39 AM
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true, but they apply lube which is nice

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post #7 of 37 (permalink) Old 04-05-2009, 12:53 AM
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I've had them for years with mortgage and cards and really have no complaints. I havent done personal checking or savings with them yet. I've recently changed my Chase card over to their Freedom a few months back and thats been a good painless experience.

As for the Apps, I've loaded the Chase and its just ok. I much prefer and use the mobile app for Mint.com to quickly monitor everything including other bank accounts, 401ks, etc with just a quick glance all in one place.
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post #8 of 37 (permalink) Old 04-05-2009, 03:14 AM
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Chase ahh nothing good to say about them.

go time traveler style and go back in time, fuck his grandma, then shoot forward in time and then fuck his mom. Then return back to present state and call him a the product of two incest whores and hes your son and show video of you plowing the both members of his family. .
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post #9 of 37 (permalink) Old 04-05-2009, 07:20 AM
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I was going to open a bank account with them after having their CC, until 5 month ago they told me that they will start charging one of my CC with 10 dollars monthly fee just because.

It is a CC that I have few K on it with 2% rate and had no reason to hurry to pay off at that rate. SO, now I am rethinking about doingbusiness with them.

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post #10 of 37 (permalink) Old 04-05-2009, 08:17 AM
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their credit department is not the greatest, and is different from regular banking. They've taken good care of me for the last 4 years.
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post #11 of 37 (permalink) Old 04-05-2009, 03:14 PM
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Quote:
Originally Posted by Cougar8000 View Post
I was going to open a bank account with them after having their CC, until 5 month ago they told me that they will start charging one of my CC with 10 dollars monthly fee just because.

It is a CC that I have few K on it with 2% rate and had no reason to hurry to pay off at that rate. SO, now I am rethinking about doingbusiness with them.
that's old news from last week. they rescinded that policy
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post #12 of 37 (permalink) Old 04-05-2009, 03:19 PM
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I have Chase and like them, especially the rewards debit card. Since I use it for everything, I end up getting like $30/month back. i also like the balance check via text message and the customizable alerts and such.

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post #13 of 37 (permalink) Old 04-05-2009, 03:26 PM
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Quote:
Originally Posted by Arch View Post
I had first chicago, bought by Bank one.. bought by Chase...
don't forget NBD merger too.

overall they've had a better track record that the other big players in their history of mergers & acquisitions and have done a better job of not getting screwed over by the sub prime lending fiasco

they have the most locations around Chicagoland for accessing financial services
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post #14 of 37 (permalink) Old 04-05-2009, 05:08 PM
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i've got chase, never had a problem with them..

local branch has been great with helping me get accounts suited for me, and knocked off fees a few times before

- Steve
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post #15 of 37 (permalink) Old 04-05-2009, 05:30 PM
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Quote:
Originally Posted by Ernie View Post
don't forget NBD merger too.

overall they've had a better track record that the other big players in their history of mergers & acquisitions and have done a better job of not getting screwed over by the sub prime lending fiasco

they have the most locations around Chicagoland for accessing financial services
Do not forget Gary Wheaton Bank... lol. My friend worked that branch after it became Bank One and they had to drill a large unpaid safebox. 8 Kilos of blow... Wonder what happened to that guy




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post #16 of 37 (permalink) Old 04-05-2009, 06:01 PM
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Quote:
Originally Posted by Ernie View Post
that's old news from last week. they rescinded that policy
Is that what 30 dollars credit is for? I wonder why they did not send me anything to state this change.

Those of you with Chase bank accounts. I am sure they have over draft protection where they can take money from Savings account to cover the Checking account shortage. Do they charge for this?

p.s. Damn. You must spread some Reputation around before giving it to Ernie again.

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post #17 of 37 (permalink) Old 04-05-2009, 06:17 PM
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Quote:
Originally Posted by Cougar8000 View Post
Is that what 30 dollars credit is for? I wonder why they did not send me anything to state this change.

Those of you with Chase bank accounts. I am sure they have over draft protection where they can take money from Savings account to cover the Checking account shortage. Do they charge for this?

p.s. Damn. You must spread some Reputation around before giving it to Ernie again.
probably thats what the refund was for but you should call and check for sure. I just heard about it when I was flipping through the channels on the 10pm news last week

as for the overdraft coverage, they do have that available, but I'm not certain if they charge for it on all of their accounts. the accounts that I have setup with them do it automatically without fees and I've abused this quite a bit when I haven't bothered keeping up with the recordkeeping on my checking account balances when I travel
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post #18 of 37 (permalink) Old 04-05-2009, 06:26 PM
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I have them for pretty much everything business and personal. They are great for some things and not great for others. The thing that sucks is that one department doesn't care about another department. If you get an overlimit fee with your credit card they don't care you put X amount of dollars through their bank or signed up with Paymentech to do all your credit card processing. They are all separate departments, and should be treated as such. Don't think you will get any special treatment because you do ALL your banking with them. They are like Paulie in Goodfellas. Overdraft charge? Fuck you, pay me. Don't like your processing fees? Fuck you, pay me. Unfortunately they are the best game in town right now though.

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post #19 of 37 (permalink) Old 04-05-2009, 07:23 PM
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I have checking, savings, credit card, and mortgage with them. I'm thinking about moving the corporate accounts to them. I guess I sort of like them. Very good on line services is one of the best parts.

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post #20 of 37 (permalink) Old 04-05-2009, 08:46 PM
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checking and savings with them for a while w/ no problems. have rewards debit card too and overdraft account (basically a cc) with no fee. online is great w/ easy transfers. don't forget too that now anything wamu is run by chase.
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post #21 of 37 (permalink) Old 04-05-2009, 10:26 PM
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I'm a personal banker for Chase. Hit me up if you want some real information regarding their accts/loans/policies. I do everything there (checking/savings/IRA/investments/HELOCS/car loans, etc) besides mortgages.

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post #22 of 37 (permalink) Old 04-05-2009, 10:43 PM
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same shit different toliet honestly.

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post #23 of 37 (permalink) Old 04-06-2009, 10:15 AM
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I have them for checking, savings, credit card, auto loan (x2 but paid off), and estate checking for my late father, and a trust checking for my late uncle. We are also in the process of establishing them as the corporate co-trustee on my uncle's trust.

IMO, they offer a lot of services that TCF doesn't. With my father and uncle passing away last year it's nice that I can link their accounts up to mine though their website. This way I log into 1 place a check all 6 accounts at the same time.

Lots of banks offer this now. I used to have TCF but when I got married I ditched them and went with my wife's bank. There are way more ATMs than TCF.

Auto loan was pretty competative but home loan rates were not. They weren't as high as most but I found way better rates with MetLife.

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post #24 of 37 (permalink) Old 04-06-2009, 11:05 AM
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My sugar moma works there, so as far as I am concerned they are the best thing since sliced bread and you all should bank there...

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post #25 of 37 (permalink) Old 04-06-2009, 11:15 AM
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All checking and savings through them and two car loans over the course of the last seven years. No issues. I like the bank.

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post #26 of 37 (permalink) Old 04-06-2009, 11:21 AM
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you cant beat having eleventy billion atm's
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post #27 of 37 (permalink) Old 04-06-2009, 11:43 AM
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All banks suck. They all know that they suck and that all the others suck too. Being that they all suck none have reason to change. The trick is to find one that sucks where you don't care, and is good where you do care. With large multi branch banks, each branch can be very different, as far as people goes. I do bank with Chase but not by choice. Like Arch, I was with United Savings, then First Chi, and Then Bank One, With 1 or 2 others thrown in as well. It's a hassle to change, and they know that, so most don't give a crap. I do dislike my local Chase branch. There have been times when I am the only English speaker in there. Every thing going on in Panish. If I use the drive up and don't have to speak to anyone it's ok.
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post #28 of 37 (permalink) Old 04-06-2009, 12:07 PM
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Banks Credit Unions

I will never use anything but credit unions.
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post #29 of 37 (permalink) Old 04-06-2009, 12:10 PM
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Love 'em - much like Arch, been with them since First Chicago Days and NEVER had one bad thing to say - The txt alerts and electronic bill pay for free is tip top and not to mention 12 gazillion ATM's everydamnwhere

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post #30 of 37 (permalink) Old 04-06-2009, 12:12 PM
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Quote:
Originally Posted by bwa View Post
Banks Credit Unions

I will never use anything but credit unions.
For a lot of things this will work fine but not when life gets complicated. I'm not sure if credit unions can set up all the accounts you'll need during your lifetime. They might be able to do the basics but for me I mostly just want 1 place to do this stuff because my life is already more complicated than it needs to be.

I don't see what people have against banks. They are fairly straightforward entities. Of course, I never have fees or anything leveraged against me. I keep a close eye on all transactions. So maybe if you are paycheck to paycheck that affects you a lot more.

Do I love 'em? No, they are a bank but they are convienent and competative so that's enough for me. TCF = where poor people bank.

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