i need a better bank
 

I got $1115.30 in tax refund money this year, but instead of waiting for the check, or getting a tax anticipation loan, i gave the check to my moms, and she gave me the money. She gave me a check from her account and i went directly to my bank (first national bank of texas) and deposited it. They told me there would be a small hold on the money. So i told the lady to cash $200 of it and deposit the rest. Here it is, 6 days later, and my money still isn't there. I talked to my mom the other day, and the check cleared her bank on the 22nd, now the 25th and still no money. I have a flat tire on my car right now, so i can't take that to work. I could take my girls car, but its 40 miles TO work (not to mention coming home) and she has no gas in it at all. And whats worse is i have 3 dollars in my wallet, and 4 kools left. I have all kinds of money coming like my paycheck in 4 days ($2250) and this income check ($1115.30) and i can't touch a ------- penny. No food in the house, flat tire, running out of smokes, and now i have to call into work cuz i can't even ------- make it there. So im tired of getting fucked by my bank. I need something different, and quick. So if you are happy with your bank, let me know. I need a debit card at least, and if they have that new thing where you use your debit card and they take the change and put it in your savings that would be awesome. And no fees for going below $00.00 in your account. My bank is $33 per charge. I was already considering wamu, but the nearest one is like 45 miles away so thats a no go. Help me out here guys.

Re: i need a better bank
 

wells fargo


b of a sucks but not has bad has your bank




credit union for the win

Re: i need a better bank
 

I am confused as to why you did not take the just cash/deposit the anticipation loan check instead of giving it to your mom?

Re: i need a better bank
 

tax refund loans = the lose

Re: i need a better bank
 

Seriously. You pay money to get your money. Can't you just wait? :-\

I think you need to take a look at your spending habits to figure out why you can't seem to live on the budget you have. You're living paycheck to paycheck and it seems like you make a decent amount of money so there should be no reason. Does your GF help out? Do you live together? Where is her cash?

My bank fucks people like you over. If you go negative it's going to cost you more arms and legs than you have. I learned that if I keep money in my account, they don't ---- me. :6
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Re: i need a better bank
 

Yeah i know, i have 2 credit cards that are way way over due, but only owe like 1500 total to them. My girl lives with me, but she is leaving in like a week to go to her moms in alabama for almost a month, and there is no point looking for a job right now. I do make pretty decent money, about $25,000 a year before taxes. I live with my dad, and really don't have many bills so i know my spending habits are pretty bad. I need to get my ---- in order quick. But as to the loan, they suck. I would rather have my mom give it to me for free than pay someone to do the same thing.

Re: i need a better bank
 

I have us bank its the shiznit, they have the best hours of any of the banks around me so thats really the only reason I go there.

Re: i need a better bank
 

Talk to the manager. They DO have disrcretion over bank holds... take a printout of your mom's account showing the check clearing and TALK TO THE MANAGER of your local branch.

Re: i need a better bank
 

yeah thats what i ended up doing. Between me and my dad, we spent $1000 yesterday at walmart for ---- we needed. New blankets, towels, floor mats, toilet covers, shower curtains, shower heads, pillows, an air mattress, (i got a free xm radio out of it) Groceries,

Re: i need a better bank
 

credit unions ------. that way you own a small stake in your "bank"