Looking to open a new checking and/or savings. I'm considering HSBC, Emigrant, ING, Etrade. Anyone have any personal experience? Service, transaction time, pros/cons?

Feel free to mention any other good ones I may have missed.

Thanks!

What do you already have? If you don't have anything, then I'd go with a WaMu, or Wellsfargo account. They are in most areas. I have BofA and I'm only with them because I've been there for almost 12 years. I think that most people would prefere WaMu or Wellsfargo over BofA.

If you already have a checking account, then I'd open an account at either a credit union, or open an account that will yield a decent return. I just opened an ING, and I like it. Deposits have to sit in the account for 10 buisness days ( i think ) before you can move it from the account, also it takes about 3-4 days to have a transfere go through. I use it for what it was inteded. I put my money in, and forget about it. It earns it's 3% and compounds it monthly.

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The interest rates on interest checking are a joke. I have HSBC and they've been ok to me.

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Thanks!

What is it that you are looking for? What do you want the financial institution to do? Are you looking to just have them hold your money, so you can access it 24/7? Are you looking for a bank to have your paychecks directly deposited? Or are you looking for something to put your EXTRA cash into, to let it sit there and earn interest?

It depends on what you want to do, as to where you should go. If you want easy access to your money, then just go to your local bank. Welsfargo, BofA, or any larger chain may be good. If you don't travel too much, then a local bank can work for you. If you don't have $1k+ to put into a savings account, and let it earn interest, I'd just open a checking account at some bank, and not worry about earning interest. 3% on $1k is $30 a year, and that isn't worth tying up your money, IMO.

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