Chase

This has been my local Chase Bank for over 10 years, and it’s probably the local Chase Bank for many of the residents of Marina Towers East and West. If I didn’t know better, I would swear they were a small town bank because of the way I have been treated and the way they treat my elderly neighbors. I don’t know if all Chase Banks have free coffee and a little sitting area, but my elderly neighbors like to come here to congregate, have coffee and I assume, gossip. The bankers aren’t suppose to balance your checkbook for free, but they do anyway for my elderly neighbors who find they are off a few cents each month. Sometimes, I think they do it on purpose just to get out of the house and have someone to talk to and care about them.
I come in here with my host of myriad banking problems. Once a year, I transfer money abroad, and every year, I never remember to bring in the instructions how to, and the poor banker has to look it up and figure out which branch, what city and what code. They’re so patient and smiley the whole time too, even though it’s 5 minutes to closing time. I’ve come in asking about a guarantee stamp on a letter of direction having no clue what it entails. Again, they research and educate me. When I wasn’t making enough money to keep my business account open, they offered to keep it open for me for 6 months without charge, and see if business picked-​up. They also gave me a free safe deposit box ($ 60.00 value) with my business checking account — way cooler than a free toaster. Last week, I came in asking for a cashier’s check that I needed drawn on my savings account, then copied, deposit slip written and deposited into my checking account, and all that copied to leave a paper trail for the mortgage co. Instead of charging me the $ 8.00 she was suppose to for the cashier’s check, the teller waived the fee just because.
I chose JPMorgan Chase Bank because it’s a large bank with branches everywhere I go so that when I’m in Indianapolis, Minneapolis, New York, Boston, etc., I can use an ATM for free. My checking (direct deposit necessary) and savings accounts (minimum required deposit of $ 300.00) are free. Once a year, I bring in all my loose change, the teller runs it through the machine, hands me back all the foreign coins, tokens from Dave & Busters, and other weird stuff, and deposits the amount in my checking account — all for free. International wire transfers are hassle free, timely and only $ 45.00. I enjoy the free online banking too. If you know how to use the bank’s services, you can get great service without paying much of anything, but if you’re going to overdraw your account, use other banks’ ATMs, and not keep any money in your accounts, how do you expect the bank to take you on as a customer for nothing? You wouldn’t offer to keep someone else’s money safe for free either. Banks are a business, not a charity.

I agree. Starting Feb. 12^th 2011 they are charging fees for not having monthly minimums in your account. They are doing this because the Government minimized their fees on Over Drafts and so to make it up, they are requiring 1500 min. on checking accounts that is unless you have a savings or another account or a Direct Deposit or open a business account. Ridiculous. If you go below that monthly balance, they charge you $ 12 on your money. Today is the last day. I’m on the way to Chase to close my account of 15 years with them on Principal. This si all Chase banks and when you tell them why you will close the account, they bad mouth all the other banks and say they are going to do it. How Professional Chase. You will not make money off my money!