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Discussion in 'Credit Talk' started by Randy G, Aug 20, 2000.
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RE: Fleet - can they get away
Ten years ago, Fleet was this little hick bank in Rhode Island; they did not even have an office in Massachusetts. In the last ten years they have bought or acquired Bank of New England, Bank of Boston, Shawmut, and BayBanks. Essentially there is no competition in the Boston area any more (THE SECOND LARGEST FINANCIAL CENTER IN THE COUNTRY! THAT'S SCARRY!). This is what happens when the government allows mergers with out thinking about what happens after the dust settles.
The merger between Fleet and BankBoston has not gone well. You should complain to the Attorney General for the Commonwealth of Massachusetts.
My own experiences with Fleet are also not good. I have never bounced a check, I have had an account with them for ten years, and all of a sudden they are holding my deposits for review (six days!). They sent me a form letter, not even signed! Man was I furious!
Man do we need another bank in Boston!
RE: Fleet - can they get away
I'd suggest trying Citizens Bank if you want a large bank with lots of ATMs. I used to be a Baybank customer and bailed out after the merger with the Bank of Boston. I've had an account with Citizens for 3 years and have been quite happy. Their merger with USTrust was far smoother than the mess that Fleet created. Citizens has also take over the small retail operation (6 branchs, mainly serving their very wealthy customers and employees) of State Street as well too. They now have 4 branches in a two block stretch on Boylston Street from Dartmouth to Berkeley.
I've had several friends that got moved to Soveregn Bank after the Fleet/BankBoston merger and they've had nothing but trouble. ATM cards wouldn't work, no checks, direct deposit problems, money put in wrong accounts, etc.
If you don't want a huge bank, try Wainwright bank. They are very customer service oriented and do a great deal for community sponsorship work as well.
Hey all. Thanks for the continued information about Fleet.
J- excellent information- san fran doesn't
know that history.
What our Intenet board is doing is QUICKLY showing Fleet as the new bank TO DROP IMMEDIATELY.
Good work all! Dogman
RE: FLEET/ INTERNET
The bottom line is that Fleet wants to become a huge money center business bank and all of those retail customers with checking accounts, ATM cards, and credit cards are becoming a major annoyance with their customer service demands, so they just want to get rid of them. The best way to do that is jack up their credit card interest rates for the flimsiest of excuses and charge them ridiculous fees on deposit account.
It's no coincidence that the branches of Fleet/BankBoston that they dumped in the merger were in 'economically disadvantaged' areas.
Fleet has been awful for years. They've tried to collect a paid debt TWICE in two years.
I was in Massachusetts over the summer (and will probably be back in 9 to 12 months permenantly) and I am glad I had my account with SFNB, Security First Network Bank. With their interest checking account you get FOUR ATM reimursments up to $1.50 for each. That way you can use any ATM you wish up to 4 thimes a month without worrying about any fees. If you use a no fee ATM then you stll have the same number of reimbursements that you did before. It gets even better with interest and the money you save on stamps if you use their electronic funds transfer to pay bills. Their direct deposit is excellent. They will update your direct balance (the one that shows your up to the second balance) that day. The entry in your register will appear the next day.
They also have a visa. I haven't tried it but I think I will soon. The apr for the classic is 12.9% and 9.9% for the gold. They also have an airline rebate with the credit card that can be used on any airline, but I don't know much about it.