Stay With M&T Bank or Change to Wells Fargo Bank ?? Input & Opinions Please!!?
I am looking more for Reliability & the Safety of my money, I don’t wanna wake up one day and find my Bank that I use has gone under (taken my money with it and have to depend on the FDIC or what not to get some of my money back somewhere down the road) or anything like that…
Not too much worried about fancy features and such, but they are nice to have…
I am currently with M&T Bank (They Originate from Buffalo, NY), But most ALL of the Customer Service People I speak to with them are rude or uptight and impersonal, and treat me like I am a child, just because I am young….I am young but I am not stupid!
I am just curious if Wells Fargo is any different now?
Has things gotten worse or better with them since they took over Wachovia?
(I believe that’s what they did) But I can still access https://www.wachovia.com/ What is that about?
The Wachovia Bank Branch closest to me changed to Wells Fargo…
Is there still Wachovia Branches in some parts of the Country that Wells Fargo Did Not Claim and Take Over?
I am looking for better customer care people that are more understanding and don’t treat me like a little kid… A little more customization, (maybe like a custom check card or something) and when I call the 1-800 or 1-888 number to the Bank, I Want the System to Speak to me the Date, Purchase Amount, and the Name of Merchant where I bought the Item in question…
NOT Like M&T’s System where it only tells you the Date and Purchase amount, which leaves me trying to dig through receipts at the same time while their Automated System reads off the Date & Amount of the Purchases)…
Also, with M&T if I buy something using my Check Card for Example on Sept 4th, and the Money is TAKEN on the 4th, and the Merchant’s Receipt state’s the 4th, the toll free # and the Online Banking With M&T Will Show that I made that Purchase on the 5th…..
And sometimes if it was the 4th I made the Purchase, it will show that I made that Transaction on the 3rd…
And they have NO Explanation for me as to why this is, except one, and that is "It depends on the Merchant (Where I used my Check Card) as to when the money is posted or debited or credited OUT of your account…And I stated back to them, "so you are saying ALL places, for Example, Wal-Mart, Boyers Food Markets, And Even Their own ATMs are wrong? I can withdraw 0 from my account this past Thursday at 11AM and look right away on my Online Banking and it will show I withdrew that money on Friday….
ANOTHER THING About M&T Bank, They CHARGE You if you use Debit to Purchase Items rather then the Credit Option (Every Single Purchase 50 Cents in Their Pockets)
(It’s not a big fee, but it’s the point) 50 cents anytime I decide I need to get into the store get what I need and Check out Quickly on a Busy day so I can be on my way…
And when I use my PIN and use my Card as a Debit, they frequently leave me e-mail on M&T Online Banking saying I should no do that so often, and I should always use Credit rather then Debit…
Sorry, but IF I’m at a Gas Pump and gotta use my Check Card to fill up, I am gonna punch in my PIN Number so the money is taken right away out of my account, instead of a hold/freeze for up to a week (and sometimes over 1 week) before the money is taken from my account….
I "had" Bank of America and liked their Setup, their 1-800 automated system works pretty well, it speaks out the Name of where you bought your item, Date and Purchase Amount which is nice, in case you do not have mobile web or access to a Computer to see who the Merchant was and when and all of that…
So biggest concerns, looking for a Stable Bank, Hopefully that has Branches Nationwide, Decent Customer Care & Possibly 24 Hour Customer Care, a little bit of customization (with Bank of America I had a Military Check Card to Support our Military Armed Forces) And a Bank that won’t Charge me if I wish to use my Card as a Debit Purchase…
Ideas, Opinions, Your Story About the Bank You Use Are ALL Helpful in my Decision and are Greatly Appreciated!! I Live In Pennsylvania, so it would have to be a Bank that covers my State…
Thanks if you read this far, PLEASE give me a few moments of your time and tell me your Opinion and your Story about a Bank you think is Decent and you Trust…
I closed my Bank of America account because last I looked, their finances aren’t looking too great…
I Cannot Go With a Credit Union just yet Because my Credit Rating isn’t the Greatest…
Also I really don’t wanna go with a Credit Union cause they don’t normally have Branches Nationwide….
Like I said above, Please if you read this far, share your story with me, and tell me about a bank you have or know of that your trust and treats you well and has branches nationwide…
Thank You!!
Tags: amp, automated system, buffalo, customer care, customer service, customization, fancy features, fdic, little kid, money, receipt, receipts, reliability, s system, wachovia, wachovia bank, wells fargo