yeah… I guess i’m more of an idiot that someone that can’t manage money… i will typically have a few hundred in an account that i use as my only debit card… I have found myself charging more than i have in that account numerous times where I didn’t realize I spent a few hundred online, gas for both cars and dinner out for a few nights. I call and as a customer in good standing have the fees removed, but i am an idiot and should pay more attention.
I went through the nat city to first viagra while in europe… it was piss poor service and i couldn’t get any money from those accounts at all… luckily i have a bank of america debit and savings and was able to use that card at any ATM internationally, without issue or atm fees… :hsugh: I am dumping all first niagria accounts for PNC as well… just did the mortgage thing so didn’t want to jump bank to bank until it was done with.
I’ve also been a credit union member for over 20 years (mom opened the account when i was born)… they do have decent rates, but the sheer fact that they are open 5 days a week 9am to 4:30pm without flexability usually leaves me going with someone else. PNC matched the rate on car loans from them and my mortgage company beat their APR. :dunno: