# Need a new Bank
**URL:** https://forums.speedlife.net/t/need-a-new-bank/22231
**Category:** NYSpeed Off Topic
**Created:** [December 28, 2006, 8:54am UTC](https://forums.speedlife.net/t/need-a-new-bank/22231 "2006-12-28T08:54:05Z")
**Posts on this page:** 20
**Page:** 2
### Author:  [@Evil\_Stang](https://forums.speedlife.net/u/Evil_Stang)
#### Post date: [December 28, 2006, 1:51pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/21 "2006-12-28T13:51:52Z")
I’ve dealt with most the local banks over the years and so far the only one that hasn’t pissed me off yet, and i stress yet, is First Niagara.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [December 28, 2006, 2:08pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/22 "2006-12-28T14:08:41Z")
> [@NYSFF](#):
>
> I dobnt know wghich bvank it was, But my buddy got a free 2 gig Ipod nano for opening an account
Key
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### Author:  [@beautfldsastr427](https://forums.speedlife.net/u/beautfldsastr427)
#### Post date: [December 28, 2006, 2:52pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/23 "2006-12-28T14:52:09Z")
Another satisfied HSBC customer
Every time I have an issue (which is almost never), it’s resolved in no time
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### Author:  [@Justin](https://forums.speedlife.net/u/Justin)
#### Post date: [December 28, 2006, 3:06pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/24 "2006-12-28T15:06:05Z")
> [@brent\_strong](#):
>
> M&T has always done me very well.
X3
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### Author:  [@avs](https://forums.speedlife.net/u/avs)
#### Post date: [December 28, 2006, 4:58pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/25 "2006-12-28T16:58:40Z")
> [@beautfldsastr427](#):
>
> Another satisfied HSBC customer
>
> Every time I have an issue (which is almost never), it’s resolved in no time
Nothing out there can beat 5.05% APY online saving account with no min. balance.
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### Author:  [@pdubya](https://forums.speedlife.net/u/pdubya)
#### Post date: [December 28, 2006, 5:04pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/26 "2006-12-28T17:04:02Z")
I love greater buffalo savings the seem to offer higher interest rates then the other banks, Not to mention they are open 7 days a week so thats a plus im not sure how many other ones are
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### Author:  [@redrum](https://forums.speedlife.net/u/redrum)
#### Post date: [December 28, 2006, 5:22pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/27 "2006-12-28T17:22:19Z")
^good man
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### Author:  [@dreid](https://forums.speedlife.net/u/dreid)
#### Post date: [December 28, 2006, 7:50pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/28 "2006-12-28T19:50:45Z")
> [@Twizted](#):
>
> dont over drain your account and you wont have that problem…
no shit
but shit happens, never again tho. that was 3 years ago now
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### Author:  [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)
#### Post date: [December 29, 2006, 5:03am UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/29 "2006-12-29T05:03:03Z")
i use bank of america because they have a great online interface, free checking, good interest rates, and my credit card is through them so its very easy to just swap funds between the 2 accounts
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### Author:  [@Bigairskier1580](https://forums.speedlife.net/u/Bigairskier1580)
#### Post date: [December 29, 2006, 5:09am UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/30 "2006-12-29T05:09:00Z")
I’m at Citizen’s Have been for years. Never a problem that wasn’t my fault. Never any mysterious charges.
It’s easy. keep money in the account, and you won’t be charged overdraft charges.
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### Author:  [@redrum](https://forums.speedlife.net/u/redrum)
#### Post date: [December 29, 2006, 9:24am UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/31 "2006-12-29T09:24:25Z")
when I had charter one I was in undergrad, and obviously a broke ass college student. I had about $20 in my account, so I left it alone. One day I went in to the bank, only to find out that I had negative $180 in my account. Apparently they had charged me some kind of fee for some crap I hadnt signed up for, which overdrew my account. They then didnt notify me, and let the overdraft charges keep piling up (as I had assumed for a few weeks that I still had that $20 in there). Freakin’ iceholes!
Never trust a bank that uses old restaurant buildings for its branches!
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [December 29, 2006, 1:04pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/32 "2006-12-29T13:04:48Z")
i use st. joseph federal credit union on englewood.
Awesome people, online account access, cheap loan rates.
Alot of stuff that a major bank won’t do.
For example, I call up the bank, they all know me. I tell them i’m sending my brother in , he needs to borrow 100 from my savings account.
My brother walks in, they know him. They give him the money.
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### Author:  [@jeeves744](https://forums.speedlife.net/u/jeeves744)
#### Post date: [February 11, 2007, 5:08pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/33 "2007-02-11T17:08:07Z")
> [@avs](#):
>
> Nothing out there can beat 5.05% APY online saving account with no min. balance.
old thread, but just wanted to mention they are running a special that any new money put into the account will earn 6% APR till april, then go back to 5.05%
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### Author:  [@ly555is](https://forums.speedlife.net/u/ly555is)
#### Post date: [February 11, 2007, 5:16pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/34 "2007-02-11T17:16:06Z")
can’t believe i’m the first person to post this in 2pgs:
why not join a credit union?
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### Author:  [@Jon](https://forums.speedlife.net/u/Jon)
#### Post date: [April 13, 2007, 9:38pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/35 "2007-04-13T21:38:00Z")
[quote=“avs,post:25,topic:22231"”]
Nothing out there can beat 5.05% APY online saving account with no min. balance.
[/quote]
hmmmmm…
> **[Banking Online Made Easy | iGObanking](https://www.igobanking.com)**
>
> Open online high-interest rate CDs, savings accounts, and checking accounts with iGObanking.
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### Author:  [@Dex](https://forums.speedlife.net/u/Dex)
#### Post date: [April 13, 2007, 9:52pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/36 "2007-04-13T21:52:05Z")
[quote=“Jon,post:35,topic:22231"”]
hmmmmm…
> **[Banking Online Made Easy | iGObanking](https://www.igobanking.com)**
>
> Open online high-interest rate CDs, savings accounts, and checking accounts with iGObanking.
[/quote]
wierd. i was just thinking about this thread from months ago and wondering if something could beat an APY of 5.05%. thanks.
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### Author:  [@slipstreamxk1](https://forums.speedlife.net/u/slipstreamxk1)
#### Post date: [April 13, 2007, 10:02pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/37 "2007-04-13T22:02:03Z")
LOL it’s nice to see so many people speaking highly of HSBC… It’s an amazing company to work for too i must say!
Well the online savings account will be 6% apy through the end of april on new money and new accounts actually after that then it will go back down to 5.05%.
But that rate still can’t be beat for the most part considering it’s totally free and requires no other hsbc relationships or minimum balances.
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### Author:  [@Dex](https://forums.speedlife.net/u/Dex)
#### Post date: [April 13, 2007, 10:10pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/38 "2007-04-13T22:10:26Z")
^^too early. try again in 3 months.
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### Author:  [@Locutus](https://forums.speedlife.net/u/Locutus)
#### Post date: [April 13, 2007, 10:17pm UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/39 "2007-04-13T22:17:48Z")
if you stay in buffalo… go with hsbc
if you travel at all of BOA
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [April 14, 2007, 7:45am UTC](https://forums.speedlife.net/t/need-a-new-bank/22231/40 "2007-04-14T07:45:57Z")
My girlfriend just got key because they offered a free ipod.
The day she signed up they changed it from ipod nano, to a crappy 512mb ipod shuffle, lol.
She doesn’t have any money, so any free checking is ok for her.
I use St. Joseph Federal Credit union on englewood. Even though I live in west seneca, I still use them.
They have excellent loan rates, and its the only bank I can walk in, and everyone knows myself and most every customer by name.
Its also the only bank that I can call up, and tell the bank manager that I need to transfer some money to my brothers account to loan him some money, and they do it right over the phone, no questions asked.
I’ll miss their service when i move.
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