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Banking - My bank has a website that the 90's would be proud of, it gives me little to no information about my spending habits, transferring money is a nightmar
by daleharvey 16y ago
Banking - My bank has a website that the 90's would be proud of, it gives me little to no information about my spending habits, transferring money is a nightmare, and using kublax (similiarly mint) had my account banned for security purposes.
- joubert 16y agoOnline banking in South Africa is excellent - I was shocked when I moved to the US how archaic it is. Transfers are a breeze, fast, and everyone does it. Integration with cell phone infrastructure is also great.
- superuser2 16y agoI suspect transfers are archaic (inconvenient, expensive, and take several days or weeks to process) in the US because otherwise the credit card and payment processing industries would cease to exist.
- loewenskind 16y agoIt's really sad how many useless jobs exist in the US because someone thinks that these people would simply starve to death if they weren't able to e.g. hold a stop/slow sign at road construction sites.
- grinich 16y agoA specific bank in particular?
- joubert 16y agoMy experience is with Investec and Standard Bank. But I've heard good things about ABSA, Nedbank, and FNB as well. Competition is pretty strong, so fairly comparable across the board.
- pielud 16y agoEspecially doing anything that requires one bank to talk to another. Why does it take 5 days to move money between banks? It's ridiculous. I once had mistakenly setup a transfer from one bank to another and I wanted to cancel it. So I called up the destination bank and they said there was nothing they could do. I called the source bank and had to pay 30 bucks to put a stop payment order on the account AND they couldn't guarantee it would stop the transfer.
- davidwparker 16y agoI'd like to add that if you are/were in the U.S. Military at some point, (or even your parents, I'm pretty sure) then you should check out USAA. They have a fantastic website and awesome customer service. note: I have no affiliation with USAA other than I use them and really like them.
- astine 16y agoUSAA does have a mostly solid website (and a fairly customer service all around IMHO,) but it does have some rendering flaws with Firefox on Linux that are very annoying.
- klous 16y agoI believe USAA also supports check imaging - no need to physically deposit a check. take a picture / scan it from your home or office and it will be processed.
- stonemetal 16y agoThey do but it doesn't work that well. I have had to scan checks 3 or 4 times before.
- seekely 16y agoYou no longer need an association with the military to sign up for USAA's checking/savings accounts. They're just really quiet about it. I made the switch to them a couple months ago. Signed up online and had an account minutes later.
- ndimopoulos 16y agoI agree. You do not have to be a member of the U.S. Military to open an account (or more) with USAA. It took me roughly 15 minutes to open accounts for myself and my family through their website. What you cannot do (if you are not/were a member of the military) is use their direct deposit feature i.e. scan checks and upload them to their website. You are not also eligible to get insurance from them. Other than that I agree that they have a fantastic website and awesome customer service. Because they do not have ATMs when you withdraw money from another bank's ATM, they refund up to $1.50 for the ATM fees up to 10 times a month.
- brown9-2 16y agoCan I ask why you would even keep an account at such a bank then?
- daleharvey 16y agoI have had accounts with 3 banks and they have all had similarly terrible experiences, if anyone has suggestions (UK based) more than welcome (halifax, lloyds and natwest are the 3 I have tried)
- tome 16y agoNationwide is great for my needs.