everyone always tells me they hate sov bank. i can honestly say that i have been using them as personal bankfor 10+ with no issue s
Did you ever try chase? I had chase, sovereign, td, capital one at the same time, I felt the most comftorble with chase the amount branches available, online interface, and their customer service, at the time that i closed my sovereign account sovereign didnt have an option to deposit checks by phone which i liked very much, sovereign is good if you have triple endorsed checks.... That's about it. Happens to be sovereign has now a great mortgage [broker] that works for sovereign and used to work for HSBC his name is Jacob shechter.
Capital one I would rate best after chase, their branch availability is less then chase and I was a little bit annoyed by their security questions online but nothing major to complain about. I think they are also great for wiring but I personally never used them for wiring, they also have a great savings account capital one 360 formerly ing direct no fees no minimums not locked in.
Td I hardly used they convinced me to open an account I made a deposit they froze it for 30 days since It's a new account whatever I ended up closing that account.
The straw that broke the camels back was when I made a ATM withdrawal of $400 and the machine only spit out $20 bills I got 19 $20 bills and 1 $5 I went over to the teller and they told me its impossible since they just recounted a couple minutes before, I opened a investigation and after 30 days they returned $15 versus in chase when my check got stuck in the ATM they credited my account with that amount and they told me they'll investigate the matter if it turns out false they would retrieve the money from my account.
You're saying you never had any issues try both let me know which one you like better, it's like flying ElAl For 10 years try united you'll never look back.
Day to day banking chase is the winner.
Savings capital one 360 is the winner.
Depositing triple endorsed stale checks sovereign is the winner since they don't know what's coming or going.
And of course don't forget to use mint.com to see an overview of all your accounts and never give them your banking user name password give them the access key capital one and chase bothe provide access key for financial institutions read only access and you can revoke it at any given time.