Whats a good bank in upstate new york?I am moving to binghamton/ johnson city area in new york state. Just wanted to know whats a good bank up there, I have bank of america right now its ok not great, but there's none up there. I primarily just use a checking account with a debit card to buy things online, and also like online banking. Any... | |
There is no best bank, best credit union, or best bank account. You need to look at the totality of the bank’s services, accounts, and fees. Every bank and credit union offers several accounts with different features and different fees. Some banks may have low overdraft fees, but high fees in other areas. Some accounts waive all fees if you maintain a minimum balance. The minimum balance varies from bank to bank. For example Bank of America in Texas sets its minimum balance for its checking accounts at $5,000 to avoid monthly maintenance fees. Other accounts have a monthly fee, but no fee on each transaction. Other accounts have no monthly fee, but a fee for each transaction.
Some banks have a large number of ATMs which you can use without a charge. Other banks have a charge for ATMs.
I suggest that you visit several banks and speak to the customer service personnel. Bring a list of questions which are important to you. Find out the features and charges of each of their accounts. Find out how many ATMs are available, and whether there is a service charge for using the ATM.
Make sure you get everything in writing. Do not accept anything the customer service person tells you verbally.
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By the way, I notice that you're from Florida. Binghamton gets very cold in the fall and the winter. As soon as summer is over, plan to get some really warm winter clothing. Are you going to the State Univeristy of NY at Binghamton?
