![]() Sure they don’t have branches outside of DC and San Antonio, but you can deposit your checks directly from your phone. My mother and sister have been happy USAA customers for years. Nearly two years later I can say that I love USAA. It’s a federal savings bank and offers many of the same perks that you would receive at a traditional credit union. Plus, USAA has consistently received the highest customer service ratings available to financial services companies, including those not in its niche. I know some people are anti-bank all together. making your money work for you.Įnter USAA. Especially since one of my policies issss. There was absolutely no reason for me to remain with them in a world full of options. Oh and they also refused to express mail my card. Had I not called I would’ve been out of a card until I eventually called. ![]() I only found out because after waiting 3 weeks for my replacement card, I was informed my card hadn’t been ordered because the program was being phased out. The end of the dividend miles debit program. It really wasn’t until BOA phased out the divided miles debt card program that I decided to make my exit.Not for withdrawing it, but for simply receiving it. Aside from taking 5 days after the European bank deducted the money from the senders account, BOA charged me approximately $35 for receiving the money. She didn’t have the documentation necessary to open a bank account so I allowed her to have the money transferred into my account. The wire transfer policy. One summer my roommates and I had a friend staying with us from Europe.Within a week, without a courtesy call to find out why, BOA was again charging fees because I no longer had direct deposit. The entire staff went from happily employed to unemployed in a matter of 3 days. The company I was working for declared bankruptcy. So I registered my new job and received free checking for a bit. I called them up and found out that if I had direct deposit, I would receive free checking again. No idea how they knew because I didn’t graduate on time, but they knew. They knew about my life before my parents! Once I graduated from college they almost instantly began charging me monthly fees.Until a series of unfortunate events occurred that helped me make the ultimate decision of giving BOA the boot. There were fees I deemed ridiculous here and there but despite hearing about credit unions I remained faithful to BOA. I give it to BOA, for a moment they were doing me justice with the free student checking account. At that time I decided to switch to Bank of America for several reasons. I don’t recall frequenting the bank, I don’t even think I had a debit card, but things really got cooking when I went off to college 3 years later. My mom took me to Wachovia (RIP Wachovia, thanks for the memories) and cashed my first paycheck from my grocery-bagging job a Winn Dixie. I figured right after the $16 Billion BOA settlement would be as good a time as any. This post is adapted from a post I wrote in 2013.
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