suggestions??

8/19/2006 3:47:53 PM

credit union

8/19/2006 3:48:53 PM

the only place that offers free checking for students is wachovia.
I have SECU and love them, but i think they charge like 1 buck a month, which goes to support the scholarships they give out

8/19/2006 3:56:58 PM

Quote :

"the only place that offers free checking for students is wachovia."

you should do some more research

http://www.bbt.com/personal/products/studentchecking/default.asp?state=nc

8/19/2006 4:14:18 PM

I have a Bank of America Student Checking Account and I like it a lot. They charge a monthly fee if you dont have a direct deposit every month or if your parenst arent members but I told them I wasnt going to have direct deposit but would be working and they waived it for me. You just have to ask. Their on-line banking is awesome. I had previously had Wachovia. They never did me terribly wrong but I much prefer Bank of America.

8/19/2006 4:31:42 PM

ill have small direct deposits each month from roommates for bills etc, do they have a minimum at BoA to keep the checking 'free'

8/19/2006 4:42:06 PM

Quote :

"ill have small direct deposits each month from roommates for bills etc, do they have a minimum at BoA to keep the checking 'free'"

i don't think you know what direct deposit means - ask your parents

8/19/2006 4:43:01 PM

you're former CSC, you should know the definition of redirection. now take that, and understand that it's not what i want here. thanks though.

8/19/2006 4:47:17 PM

i recommend BB&T. have had my checking account with them since like sophomore year or HS and haven't had any problems.

Don't make any interest, but there isn't any fee.

8/19/2006 5:50:49 PM

sounds good thx for the input. anybody else?

8/19/2006 6:14:18 PM

I have wachovia, BBT, and SECU

no problems with any of them

8/19/2006 6:29:04 PM

SECU if at all possible

8/19/2006 6:39:50 PM

Quote :

"you should know the definition of redirection."

He's right, though. There's a difference between a deposit and a direct deposit.

I have Wachovia for checking and have no complaints.

8/19/2006 6:39:55 PM

SECU if you can get an account there
(I had BB&T for about 8 years till they pissed me off)
no issues with SECU yet, and ive been there around a year

8/19/2006 7:00:51 PM

BB&T has been great so far.

8/19/2006 7:05:24 PM

First Citizens has a free student account. There is one at the corner of Avent Ferry and Western Blvd for convenient access.

8/19/2006 7:11:06 PM

state employees' credit union

8/19/2006 7:13:25 PM

Wachovia is great for me. And you can link ATM services to your student ID so you don't have to carry your card in case a need for cash arises, which is NOT a good idea.

8/19/2006 7:55:08 PM

Another vote for SECU. If you have a paystub from NCSU or the state government, or a family member with an account, you can open account there. As aforementioned it's $1 a month but if you keep any money in there at all it the .75% will make itself up for you. No charge to deal with an ATM (across from Nelson, in the library, Mission Valley etc) either.

8/19/2006 8:00:28 PM

Quote :

"you're former CSC, you should know the definition of redirection. now take that, and understand that it's not what i want here. thanks though."

my response was truthful - they won't consider what you mentioned a direct deposit - go ask your parents or look it up

8/19/2006 8:49:41 PM

SECU is good though, you can use all CashPoints machines and they're EVERYWHERE!

8/19/2006 8:55:51 PM

BB&T since I could open a student account (~6 years), and never a problem or extra charge.

8/19/2006 10:20:02 PM

open a simple checking account at bank of america. there is no service fee, and we both get $25 if you identify me as a referral.

8/19/2006 10:40:28 PM

so i didn't recognize the difference between a deposit and a direct deposit. stop bein a pecker Omar, you're not helping anybody... you've been like that to bout everybody lately apparently

8/19/2006 10:44:41 PM

you should be checking deez

8/19/2006 10:53:24 PM

I shut down my BB&T account because you could only visit the ATM 5 times, write 10 checks, and talk to customer service one time per billing cycle. Anything over was a $1 or $2 charge and I was never notified of it when I opened the account while in high school.

8/20/2006 12:08:49 AM

Quote :

"you've been like that to bout everybody lately apparently"

Quote :

"my posts haven't changed one bit - you people just seem to recognize them more now - check the history"

8/20/2006 12:54:55 AM

SECU also has a nice free change counter

8/20/2006 1:12:38 AM

oh my mistake OmarBadu CORRECTION: YOU'RE STILL A USELESS TROLL


i'm likin the sound of SECU except the charges. i swore off wachovia last year after some fun times with them.

that location of First Citizens that Patman mentioned would be really nice, does anyone else have any experience with them?

8/20/2006 1:30:53 AM

Quote :

"so i didn't recognize the difference between a deposit and a direct deposit"

Get a fucking job and you'll figure it out fast.

8/20/2006 1:58:44 AM

when i graduate CSC i hope i'm not like either of you.

8/20/2006 2:03:57 AM

You mean employed and successful?

8/20/2006 2:05:21 AM

successfully a jerk.

being employed is not hard. i've worked plenty, as a matter of fact there's a good chance i've done a heck of a lot more work than you. i need some temporary work for a little extra cash while i'm here at school so that i can still have some free time and some good studying time. piss off.

8/20/2006 2:07:00 AM

If you've worked plenty you would know what the difference between a deposit and direct deposit is.

BB&T gets my nod too, I don't know what kind of shit bethaleigh is talking about. Not that I or anyone ever writes more than 10 checks a month, or needs to talk to a customer rep more than once a month.

No idea on the ATM thing, but I definitely haven't been charged for that in the 9 years I've been with them.

And BTW, every bank has similar restrictions in their "free" checking accounts.

8/20/2006 2:49:51 AM

S E C U

8/20/2006 3:21:56 AM

bank of america, hands down. their online banking is awesome. Credit and Debit transcations are showed pending immediately and are subtracted from your available balance right then and there; you can also receive your bills through their online banking; ability to transfer funds to an outside bank electronically and transfer funds electronically to other BoA customers. The online banking experience is great and I've never had a problem with BoA. I have heard alot of people complain about overdraft fees and such, but wtf..keep track of your damn money biotch and you wont get overdraft fees..jesus fucking christ mary magdalene

8/20/2006 8:10:36 AM

another vote for SECU.

8/20/2006 8:32:49 AM

I just opened a BB&T student account, and they just came out with a BB&T "student free" account where there is no minimum balance, and they don't charge anymore for over 10 checks, its unlimited. They also gave me this card that I can use to get one fee back (like if I screw up and spend more than I got in the account), and they won't give me a hard time about it. I think if you go to the one across from the old Darryl's, they will put $25 in your account to start it, but I am not sure. Anyways, seemed like the best deal to me...

8/20/2006 9:00:29 AM

Bank of America finally is offering free checking for studens. I'll vouch for their online/BillPay system, and their customer service. However, they are HORRIBLE when it comes to fees ... just a warning.

Also, it doesn't hurt to open more than one bank account. You can use one to track school expenses and the other for personal spending/etc.

Quote :

"matter of fact there's a good chance i've done a heck of a lot more work than you"

Don't try to bring a penis contest into this thread. Nobody cares.

[Edited on August 20, 2006 at 9:13 AM. Reason : .]

8/20/2006 9:11:46 AM

are you all saying every job in the world uses direct deposit, or at least has the option?

8/20/2006 9:54:44 AM

SECU

8/20/2006 10:51:46 AM

Quote :

"If you've worked plenty you would know what the difference between a deposit and direct deposit is."

Quote :

"are you all saying every job in the world uses direct deposit, or at least has the option?"

Noen, you're an idiot. People can/do write more than 10 checks a month. I pay all my bills with checks, at the grocery store, shopping, and other various things. They didn't tell me about the charges was the point I was making. If you go with BB&T be sure to ask about EVERYTHING first. I'm sure they did change a lot of things, I was not the first to complain and shut down with them.

[Edited on August 20, 2006 at 12:50 PM. Reason : ]

8/20/2006 12:46:00 PM

^ People still use paper checks wtf?

Oh and by the way the bank doesn't have to tell you about charges it's your JOB to do a bit of research and/or read the user agreement before you open/use an account.

[Edited on August 20, 2006 at 1:21 PM. Reason : .]

8/20/2006 1:18:14 PM

I read the agreement, it was not in there. He handed me a new brochure and it was in that one. I went home and got all my initial info and went back and showed him the difference and he refunded all my fees but I still closed the accounts. And yes, plenty of places have to option to get a paper check and other places don't have the option for direct deposit. It depends on the employer.

8/20/2006 1:32:28 PM

i have no complaints at first citizens btw

8/20/2006 1:40:55 PM

^^ I mean't people still use paper checks to pay for shit

8/20/2006 2:02:36 PM

^Well then, yes, people do.

8/20/2006 2:35:10 PM

Quote :

"successfully a jerk."

Why didn't you just go with the old I'm rubber you're glue comeback? It would have been equally as effective.

8/20/2006 4:56:05 PM

Quote :

"i have no complaints at first citizens btw"

I've been with them 8 years - only reason I'm switching is I moved and there are no branches here.

8/20/2006 6:35:24 PM

Quote :

"bank of america, hands down. their online banking is awesome. Credit and Debit transcations are showed pending immediately and are subtracted from your available balance right then and there; you can also receive your bills through their online banking; "

BB&T and Wachovia also do this.

Quote :

"to transfer funds to an outside bank electronically "

If this is a free service, I'd be amazed, and would use my BoA account much more.

Quote :

"Noen, you're an idiot. People can/do write more than 10 checks a month. I pay all my bills with checks, at the grocery store, shopping, and other various things. They didn't tell me about the charges was the point I was making. If you go with BB&T be sure to ask about EVERYTHING first. I'm sure they did change a lot of things, I was not the first to complain and shut down with them. "

I pay one bill with checks, my Rent. Everything else is done electronically. I use my Credit Card for everything possible otherwise.

So you spend an hour or two a month paying bills, have to pay for stamps to mail it all in and deal with the hassle of balancing your checkbook. I rack up better credit, rewards and airline miles, while you are balancing your checkbook. I check my statements for 10 minutes a month to make sure everything matches up, and I'm done, export to Quicken and save it.

I also happen to READ the fine print whenever I open any account, checking or otherwise as well as ASKING what the catches are.

Who is the idiot here?

8/20/2006 6:53:23 PM