F*%k WaMu!

CET · Posted: Mon Feb 19, 2007 9:31 pm Post subject: F*%k WaMu!

That's right, Fuck Washington Mutual!

It's bad enough that you can't do ANYTHING unless you're at your home branch. It's bad enough that if you move out of state you can't get to your money because now you're in a "different" WaMu system. Check this LATEST piece of crap out:

I went to the ATM to withdraw some money. I'm no longer with WaMu (guess why), but this is the nearest ATM to me. The ATM says there's a $2 charge to get my cash. Whatever, that's the price of asking someone else to get my money. I get home and check my account, and WaMu took an EXTRA $1.50 ON TOP of the $2 ATM fee! What the fuck is that hidden fee happy horse shit all about?! Evil or Very Mad

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Philosophos · Posted: Mon Feb 19, 2007 9:36 pm Post subject:

Welcome to non-credit unions.

Banks are evil. The "manipulation of money" questions have always kept me from being a libertatian in those quizzes... Wink

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SalsaShark · Posted: Mon Feb 19, 2007 10:39 pm Post subject:

I'm fairly certain most banks charge you extra. My bank always does.
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Ulfgar · Posted: Mon Feb 19, 2007 10:57 pm Post subject:

I don't deal with banks. I was tired of being nickeled and dimed for the HONOR of giving them my money.

I remember when my mom opened a savings account for me for my 12th birthday so she could deposit some of my birthday money in it. We created the account with BoA, and when I wanted to withdraw some of the money about 3 months later, they wanted to charge a $25 fee because there's a clause in the account agreement stating that no withdrawals can be made for the first 6 months. This isn't an agreement we asked for, this is standard practice for BoA and one that we were not expressly notified of until after it became an issue. We were supposed to understand every applicable fee because of the savings account "literature" that we'd been given: about 30 pages, small print, of accountant jargon stating all of their claimed rights on my money.

We made a lot of noise about it, and eventually got them to waive the fee. But by that point my mind had been made up: I wasn't going to be doing business with any big bank, especially BoA, ever again.

I've been a member of my credit union for about 3 years now, and I'm loving it. I've never been given a fee, and all I've ever recieved was dividends and offers for reasonable loans. The only down side is a lack prevalent ATMs. I usually bypass that by just getting cashback and grocery stores and gas stations, though.
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CET · Posted: Mon Feb 19, 2007 11:02 pm Post subject:

Getting cash back at stores often charges you an ATM fee anyway. Check your account, hopefully you won't have a bunch of $0.50-2.00 fees you didn't know about.

I've been with my current CU for a while and I'm TOTALLY with you on that. I don't like being nickeled and dimed, but being hit with charges and not being warned of them, that's just over the line. Something deep down inside of me tells me that's GOTTA be illegal.
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"Much of the suffering in the world comes from the delusion that we are separate from one another." - Gautama Buddha

"Those who dance are considered insane by those who can't hear the music." - George Carlin

not_a_theist · Posted: Tue Feb 20, 2007 12:20 am Post subject:

my credit union charges me a 1.00 fee for foreign ATM transactions. I really fucking hate that shit. So I usually go w/o cash as long as possible and then withdraw more than I need at the given time (just to avoid multiple fees). I really hate the lack of ATMs with credit unions. blaaaaaaaaaaaaaaaaaaaa.
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zxcvcxz · Posted: Tue Feb 20, 2007 2:31 am Post subject:

one time i had 3 dollars left in my wamy savings account. It was rough, rough times...
and guess what.
They charged me a 3 dollar service fee for insufficient funds. Then i saw that i had -3 dollars, took 3 dollars out of the 9 in my checking to put in the savings and wrote an email asking to close the account. They never responded with anything and proceeded charge 3 dollar service fees, not once, but twice more.

Brian37 · Posted: Tue Feb 20, 2007 10:00 am Post subject: Re: F*%k WaMu!

ChrissyFos · Posted: Tue Feb 20, 2007 10:07 am Post subject:

I bank with Chase and they've never really given me a problem. Bank of America and Wells Fargo are both on my shit list, though. My friend was telling me the other day about this company called Ace that charges $9.95 a month, no overdraft fees, no ATM fees, online banking, unlimited purchases and the only catch is you have to have direct deposit. It's basically just like a checking account, but you don't have to deal with a bank.
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CET · Posted: Tue Feb 20, 2007 11:42 am Post subject:

I'm doin well with my credit union right now. Basically I have all those perks and I have it set up so that there is no over draw, so if I hit zero, everything just gets declined instead of running up over draft fees, which has become the bread and butter of many banks.
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CET Cool

The Spiritual Atheist

"Much of the suffering in the world comes from the delusion that we are separate from one another." - Gautama Buddha

"Those who dance are considered insane by those who can't hear the music." - George Carlin

kmisho · Posted: Tue Feb 20, 2007 1:02 pm Post subject:

Sal1981 · Posted: Tue Feb 20, 2007 1:08 pm Post subject:

My bank doesn't. As long as it's one of their own ATM, no charge. Any other ATM, costs 5DKK (a bit less than $1).
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FlatEarth1024 · Posted: Tue Feb 20, 2007 1:22 pm Post subject:

Even though I'm fortunate to be able to POS without being charged, I still hate this whole game. The only difference between BOA, WaMu et al and the Gambino crime family is that most bank managers don't have bent noses. That's it. If you tried to pull that shit on a street corner, you'd get locked up as a shylock under RICO laws, but in the bank....perfectly legal.
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Ulfgar · Posted: Sun Mar 04, 2007 6:18 pm Post subject:

munky99999 · Posted: Sun Mar 04, 2007 8:15 pm Post subject:

Well my bank which is actually Canadian. So most likely unavailable to you. I don't get charged anything at all to have money. I get 3.8% interest minimum for just have money in the bank. My mutual fund is getting around 9% interest. Also as I'm in the military I move around and I specifically asked if there would be any problem if I went into a completely different city and went to their bank(CIBC) would there be ANY problems. There are none. No extra surcharges. No need to transfer stuff around or anything.

Anyway.. if you're unhappy with a bank. Goto a different one. They won't even bother with you unless you have quite the chunk of money with them.
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