I moved my accounts from Wells Fargo and US Bank to Partners Credit Union, my wife works at Disney so Partners is their Credit Union.
I left Wells Fargo because their computers were stacking up withdrawals and payments before my deposits, causing costly overages. In one year, my business bank account counted over $800 in overages.
When I looked at them in detail I saw what they were up to and how they were doing this. Right now, Wells Fargo has a large class action suit against it for these practices, but I'll never see the money again. Since leaving Wells Fargo I have not suffered any overages to my account.
When I closed my Well Fargo accounts, the branch assistant manager only said to me, "Anything else I can help you with?"
I left US Bank shortly after they took over Cal National Bank. I woke up one morning to find US Bank had taken over [Cal National] and the bank immediately instituted a matching charge for every time I used an ATM that wasn't theirs. So the $2.50 ATM charge became $5.00 after their matching charge. They also skim money off my account for "account analysis charges, usually no more than 12 cents, but these were occurring frequently.
Since keeping my money in a credit union account, I have been charged zero dollars in fees in overages, account analysis, check fees, etc.
I would never put my money in a big national bank again. Maybe a small local bank, but never a big bank.
While other banks are busy hiking fees, these financial institutions are bucking the trend by offering free checking and other perks.
