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Unhappy Wells Fargo Customer

Discussion in 'General Chat Forum' started by southernwalkres, Oct 11, 2011.

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  1. southernwalkres

    southernwalkres New Member

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    We were Wachovia customers for over 10 years until the recent transition to Wells Fargo. Like many others that I have read about, we are EXTREMELY unhappy with the way online bill-pay is managed by Wells Fargo. In essence, Wells Fargo puts a hold on your funds up to 5-7 business days in advance of the bill pay date in order to 'help you budget your finances'. Wachovia didn't register the payment until the bill pay date.

    Has anyone else experienced this frustration with Wells Fargo? And can anyone provide a recommendation for a bank that has an online bill pay system that you are happy with.

    Thanks!
     
    southernwalkres, Oct 11, 2011
    #1
  2. flynnibus

    flynnibus Well-Known Member Forum Staff

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    PNC

    cheap (read: free), good policies, and easy to deal with. If you keep 2k in the account as a monthly average, you can even get all other bank ATM fees refunded... no more worrying which ATM you use, etc. Plus they do online AND quicken banking.. again for free.

    One tip, don't open an account online, do it in person. That way your home branch is your actual local branch, and you have to do signature cards anyways.. so in person is quicker.

    I need more hands.. for more thumbs up for PNC
     
    flynnibus, Oct 11, 2011
    #2
  3. snoopy

    snoopy Senior Member

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    Bank of America.. fund is in your account until date of payment via online banking. so you can schedule future payments and it will not change your current available balance.

    Simple.
     
    snoopy, Oct 11, 2011
    #3
  4. beahmer

    beahmer Member

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    Anyone use Capital One?
     
    beahmer, Oct 11, 2011
    #4
  5. wahoogeek

    wahoogeek New Member

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    2 more thumbs up added.
     
    wahoogeek, Oct 11, 2011
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  6. Pluto

    Pluto New Member

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    I use Bank of America, it's very easy. You will have the money until online payment is sent.
     
    Pluto, Oct 11, 2011
    #6
  7. DianaK

    DianaK New Member

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    We've been with Middleburg Bank for years and used their online bill pay for 6 years or so. No problems at all. I have also heard good things about Apple Federal Credit Union.
     
    DianaK, Oct 11, 2011
    #7
  8. flynnibus

    flynnibus Well-Known Member Forum Staff

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    AFAIK - they are one of the poster childs for 'bad bank takeovers'
     
    flynnibus, Oct 11, 2011
    #8
  9. Twinmama

    Twinmama Member

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    Another vote for BoA - very easy to use and no issues like you mentioned above.
     
    Twinmama, Oct 11, 2011
    #9
  10. julie_gw

    julie_gw New Member

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    Another vote for BoA. We are with them for 8 years now. No issues at all.
     
    julie_gw, Oct 11, 2011
    #10
  11. flynnibus

    flynnibus Well-Known Member Forum Staff

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    BoA charges for non-BoA ATM withdrawals.. lame. So taking out money on the go if you can't find a BoA ATM means double dipping fees.. both BoA and the ATM provider will charge you.

    And you need direct deposit or $1500 balance to avoid a $12 fee on checking accounts.. the free checking is only free if you never use a teller.

    ATM fees can roll up quickly when you are talking $4-$5 a transaction.

    I prefer not paying for other people's ATMs and getting refunded what other banks charge me.
     
    flynnibus, Oct 11, 2011
    #11
  12. Liss

    Liss New Member

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    BofA is also instituting a $5 a month fee if you choose to carry a debit card on your account - on top of any other fees you're paying. There are plenty of reviews online of some of their service practices if you look.

    We are very happy PNC customers - I recommend PNC with no reservations at all.
     
    Liss, Oct 11, 2011
    #12
  13. goofus

    goofus New Member

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    I was a very delighted Chevy Chase customer for 15 years, then Capital One swooped in and screwed up everything... especially their online bill payment, which can't suck enough.
     
    goofus, Oct 11, 2011
    #13
  14. razng2grtboys

    razng2grtboys New Member

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    #1 Credit Unions (if you can become a member DO IT!)
    #2 Middleburg Bank (switched over from Chevy Chase when Capital One took over)

    By the way, the Online Bill Pay at Middleburg is exactly the same software my CU uses and I love it!!
     
    razng2grtboys, Oct 12, 2011
    #14
  15. flynnibus

    flynnibus Well-Known Member Forum Staff

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    I shopped 'em all.. including CUs.. and still ended up at PNC :) Can't say it enough.. if you don't want to pay ATM fees, and want electronic services.. it's the place to be :)
     
    flynnibus, Oct 12, 2011
    #15
  16. sri_n

    sri_n Member

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    While Apple FCU is easy to get an account in (if you have a child that goes to a Loudoun County School)... I am not impressed with their in-branch services. Everytime we've been there the wait time has been at least 15-20 mins.
     
    sri_n, Oct 12, 2011
    #16
  17. boomertsfx

    boomertsfx Booyakasha!

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    I have BoA and AppleFCU -- BoA has great online banking, and everything is free if you have a direct deposit (who doesn't?). I don't use a debit card so the $5 fee doesn't matter to me (but it still is lame).

    I get all my loans @ Apple -- they have good rates. their online services, like most credit unions, are a hodgepodge of different systems taped together and that is why we use BoA for checking.
     
    boomertsfx, Oct 12, 2011
    #17
  18. jjenkins

    jjenkins New Member

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    Yes - I have sent a few emails to WF customer service about this too. of course they reply with circular logic.... annoying!
     
    jjenkins, Oct 12, 2011
    #18
  19. Mike-and-Kim

    Mike-and-Kim Member

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    I've had wells fargo accounts twice in my life. Each time I've said never again. Let's hope it sticks this time...

    I have two credit union accounts at the moment, NFCU and Kinecta.
     
    Mike-and-Kim, Oct 12, 2011
    #19
  20. boomertsfx

    boomertsfx Booyakasha!

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    looks like things are changing, hopefully not for the worst
     
    boomertsfx, Oct 13, 2011
    #20
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