Which bank is better in houston tx to have a checking account?


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Which banks is better chase, bank one, wells fargo because I need to get a checking account


Answer (5):

john r

The best banks usually are online banks. they offer better interest rates and cd rates. most also offer better loan rates.

Next best banks would be credit unions they have free checking and good interest rates and loan rates. the big banks charge so many fees or require you to have pay check direct deposit or other things like use debit card so many times and pay no interest or very little.

You can find list of best banks online and rates they pay for checking and savings accounts. some might have local bank branches in your area but you do not need them. If you need local bank try credit unions they are also listed online for your area. you will save money instead of paying fees to the big banks.

Go with the flow

If you are new to banking, my suggestion is to stay away from big banks.
They have high minimum requirements for free checking and many fees if you don't.
A better option will be small local community banks or credit unions.

Next time you drive to work, school, or home, keep a mental note on the banks you see.
Go home and google them followed by the words checking account.
Take notes and make a good choice.
Never, go to a bank without knowing all their fees first. Research them online.

Shaquana

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RE:
Which bank is better in houston tx to have a checking account?
Which banks is better chase, bank one, wells fargo because I need to get a checking account

Sean Roberts

There is no best bank, best credit union, or best bank account. You need to look at the totality of the each bank’s or credit union’s services, accounts, and fees. Every bank and credit union offers several accounts with different features and different fees. Some banks and credit unions 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 institution to institution. For example Bank of America in Dallas, 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. ►All institutions are required to print a schedule of fees. Read each schedule carefully, especially the small print and the footnotes. ◄

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 credit unions and speak to the customer service personnel. Bring a written 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.

Money Matters

You may even want to consider an online bank like PerkStreet Financial - where you can get cash back for your spending, versus some accounts where you have to pay fees for everything.