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Misplaced My Paycheck
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<blockquote data-quote="Southwestern" data-source="post: 936788" data-attributes="member: 33209"><p>You should consider the benefits of relationship banking. Internet banks are great for savers but are (generally) lousy for borrowing. Whereas mega banks and faceless Internet banks solely consider one's FICO score in making loan decisions, smaller (and medium-sized) banks consider the borrower's total relationship; regular interaction with branch employees helps. Physical branches aren't going anywhere anytime soon -- even mega banks like Chase are actively building out a larger footprint. And while you may not have the need to borrow for awhile, the day you will need to do so will be here faster than you think.</p><p></p><p>Allpoint is a good network, but it has its limitations. The CO-OP network is much larger and you can also do business with a teller. As banks embrace image-scanning ATMs -- which are often flawed, including misinterpreting-or not being able to read-amounts indicated -- I'd avoid those that haggle me when I need to see a teller. (And for the record, I'm cashless and make at most 4-6 trips to the bank each year.)</p></blockquote><p></p>
[QUOTE="Southwestern, post: 936788, member: 33209"] You should consider the benefits of relationship banking. Internet banks are great for savers but are (generally) lousy for borrowing. Whereas mega banks and faceless Internet banks solely consider one's FICO score in making loan decisions, smaller (and medium-sized) banks consider the borrower's total relationship; regular interaction with branch employees helps. Physical branches aren't going anywhere anytime soon -- even mega banks like Chase are actively building out a larger footprint. And while you may not have the need to borrow for awhile, the day you will need to do so will be here faster than you think. Allpoint is a good network, but it has its limitations. The CO-OP network is much larger and you can also do business with a teller. As banks embrace image-scanning ATMs -- which are often flawed, including misinterpreting-or not being able to read-amounts indicated -- I'd avoid those that haggle me when I need to see a teller. (And for the record, I'm cashless and make at most 4-6 trips to the bank each year.) [/QUOTE]
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