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Everyday Banking Q: Anyone Use Chase Private Client Or Schwab Checking?
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Date: February 11th, 2026 3:06 PM Author: learning disabled harsh gas station volcanic crater trying to decide between these two for EVERYDAY banking. thoughts? interested in feedback on customer service, less BS etc (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663662) |
Date: February 11th, 2026 3:08 PM Author: tan tattoo halford just have TT manage your portfolio (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663667) |
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Date: February 11th, 2026 3:09 PM Author: learning disabled harsh gas station volcanic crater where do i sign up? (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663672) |
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Date: February 12th, 2026 2:00 PM Author: Galvanic love of her life windowlicker (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49666054) |
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Date: February 11th, 2026 3:14 PM Author: greedy library karate schwab gets everything done. bill payment interface is archaic. otherwise it's fine.
anything special you need from your bank? |
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Date: February 11th, 2026 3:31 PM Author: learning disabled harsh gas station volcanic crater important points
- no bullshit fees (using non-bank ATMs, other nickel and dime type shit)
- good customer service (no draconian menus, no turds/hellosirs, just white americans)
- free wires |
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Date: February 11th, 2026 4:53 PM Author: boyish low-t associate cruise ship Both are good on fees (assuming you keep sufficient balance at Chase). LOL at expecting good customer service in 2026. Your goal should be to not require anything that can’t be obtained via the website. Should that fail, push 1 for some shit that’s on the site, press 2 for some shit that no one wants, press 3 to wait on hold for Rajiv who is incomprehensible and lacks authority to address your problem. Sorry I didn’t get that, here’s your balance information. Please complete this survey! We appreciate your business!
Contrary opinion- if you want checking/investments/CC all in one place with low fees, BofA offering is competitive. Chase has better marketing and branch placement in some cities but the actual online bank product is no better (and Chase credit card portfolio is a bunch of stuff that sounds like a good deal but fucks you, like stupid category shit and booking your travel through their portal).
Lastly none of the largest banks offer a good savings product because 90% of the business model is hoping you won’t notice interest rates. Savings you still need to link something online only with a decent yield, or buy money markets in a brokerage account. |
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Date: February 11th, 2026 5:01 PM Author: tan tattoo halford You can transfer Chase points to their partners, you don't have to use their portal (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663964) |
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Date: February 11th, 2026 5:09 PM Author: boyish low-t associate cruise ship Points are also a bunch of bullshit. Pay me cash and I’ll figure out how to buy stuff with it. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663982) |
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Date: February 11th, 2026 5:12 PM Author: greedy library karate meh, the best values are always found on points with travel partners. e.g. if you do travel and have some flexibility, you can get business class+ travel or hyatt suites that would cost $$$ (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663988) |
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Date: February 11th, 2026 5:32 PM Author: boyish low-t associate cruise ship I ain’t got time for that shit. It’s not real savings unless you are a solo or couple leisure traveler who can go anywhere anytime and your hobby is finding the deals. For family stuff which is usually at peak times, awards availability and pricing are terrible and so you wind up with some shitty convoluted schedule and hours of fucking around to save an imaginary $100 on an economy plus seat to Tampa. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49664035) |
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Date: February 15th, 2026 9:06 AM Author: heady lilac candlestick maker The best value with the points are discounted business class seats, but those still come with a cost. Actual reward flights are a red herring for most people who are better off getting 2% cash back cards. Most people with Chase Sapphire are chasing after an elusive goal and don't realize the forgone opportunity costs of not going with a cash back card that doesn't charge annual premiums.
I'm sure autistic guys on the spectrum will still find a way to fly business for free from NYC to Sydney but most of us have lives.
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Date: February 11th, 2026 5:02 PM Author: Naked green keepsake machete Second BOA, if you have large accounts with them, they will give you free wires, refund ATM fees, CC bonuses on everything, etc. Interest in checking/savings is shit but who cares. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663968) |
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Date: February 11th, 2026 5:19 PM Author: learning disabled harsh gas station volcanic crater ty for the scholarship.
schwab cs has been really good for me thus far. i have an investor checking account i just use for travel, and every time ive called, ive got a white american w/ minimal menu bullshit.
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Date: February 11th, 2026 5:34 PM Author: boyish low-t associate cruise ship Yeah I exaggerate - bank customer service during business hours for non-poor clients is the last bastion of customer service experiences that might work out decently. If you want to really suffer, call Verizon after hours. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49664041) |
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Date: February 11th, 2026 5:41 PM Author: learning disabled harsh gas station volcanic crater n.b. we're in are country and local govt c/s has been pretty damn impressive. had mostly good experiences w nice white employees. when we moved, going to the DMV to get new plates and DLs was easy and smooth. going to the county office to get official birth certs for new babies was always a breeze. calling the govt about property taxes or trash pickup or whatever has been mostly good.
but anything on a national scale? rofl no |
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Date: February 11th, 2026 4:59 PM Author: greedy library karate schwab refunds all atm fees. never been charged any other fees.
i've called in a couple times and it's been americans based in phoenix. they answer fast too. very little time wasted in a phone menu tree or AI trying to figure out what i need
i've had to wire large sums for real estate transactions and as far as i remember, no fees were charged |
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Date: February 11th, 2026 5:20 PM Author: learning disabled harsh gas station volcanic crater this has been exactly my experience w schwab using the savings account for overseas travel -- all white americans (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49664008) |
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Date: February 11th, 2026 3:17 PM Author: dashing brunch we did chase private + their wealth management for a few years, but were unimpressed. pulled all our money out and put it into a robo. best benefit was the discounted mortgage, got a 30yr for 2.25
their “personal bankers” are useless ttt frat types |
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Date: February 11th, 2026 3:32 PM Author: learning disabled harsh gas station volcanic crater why were u unimpressed? (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663747) |
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Date: February 14th, 2026 6:20 PM Author: dashing brunch your personal banker is a worthless salesbro who can't get shit done.
their wealth manager kept shilling some esg allocation which i was totally against; no surprise, saw on linkedin his daughter had some dei type hr job at a museum and he was all into that shit. he also kept pushing us to do various charities and other types of philanthropy spending that didn't have any sort of obvious tax advantage, etc.
i asked for a no fee chase saphire reserve and they were like, 'nope, can't do that'. mind you, i had close to 8 figures with them.
back when the usd was strong versus the euro we simply asked the banker + wealth dude to buy euros for us. they went on and on how they can't do that, just put it in a forex fund, etc.
if they can't make basic shit happen, or at least credibly advise how to diy, then i have no use for the (((fees))) |
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Date: February 11th, 2026 3:18 PM Author: ruby abode Chase Private is a fucking scam (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663700) |
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Date: February 11th, 2026 3:32 PM Author: learning disabled harsh gas station volcanic crater go on (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49663744) |
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Date: February 12th, 2026 1:57 PM Author: Cobalt mental disorder theatre Chase Private client is trash. It’s just a checking account. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49666044) |
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Date: February 12th, 2026 1:59 PM Author: learning disabled harsh gas station volcanic crater a checking account is not just a checking account. there's prestigious checking accounts w free wires etc. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49666052) |
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Date: February 14th, 2026 7:28 PM Author: Fragrant pocket flask forum Doesn’t Chase Private Client require that you keep like 250 or 500 with them? Ljfl. Don’t let their retards sell you high-fee bullshit. Either just use free robo adviser / ChatGPT or pay for a legit independent adviser. How many wires are you sending that the $25 fees are costing you more than giving up 3% pa on the 250-500k minimum? (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49671260) |
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Date: February 14th, 2026 11:17 PM Author: learning disabled harsh gas station volcanic crater you can have 250k in investments. i could just move a vanguard account to jpm-chase in-kind. any bank can hold vanguard funds (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49671652) |
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Date: February 15th, 2026 10:02 AM Author: dashing brunch their management fee on money goes down to .65% when you cross $5m - it wouldn't be terrible if they actually offered good advisory and services. for us, it felt like a wash given we were able to get the cut rate mortgage (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49672040) |
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Date: February 15th, 2026 6:30 AM Author: cream ungodly philosopher-king I have a very different strategy when it comes to banking. I use a local community bank to which I have extensive ties. My family and I have used them for many years, and we know lots of people at all levels of the organization. I have coffee with the CEO regularly. They have fantastic customer service carried out by local people. I use them for the whole range of banking and investment services, and I'm also a significant stockholders in the bank. They don't necessarily give the most sophisticated investment advice, but I can find that elsewhere. The main benefit is knowing that if I ever have a problem with something, I can easily talk to the right people. (http://www.autoadmit.com/thread.php?thread_id=5833701&forum_id=2#49671863) |