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Thread: My Bank is Too Far Away...

  1. #1
    God/dess
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    Lightbulb My Bank is Too Far Away...

    ...Seriously...it takes me at least a half hour to get there. At least! I hate driving all the way out there to deposit money, go through the drive-thru teller, waste my gas, and all just to come right back home...so my cash has just been sitting at home lately. I have no money ACTUALLY in the bank, just cash at home.

    I know the most logical answer is to find a closer bank...but I have a really good bank (USAA), and I've been doing business with them for over 10 years, so I don't want to cancel my accounts or anything. I've never had any other bank besides the one that financed my car in Hawaii...but I don't have a checking account or anything with them.

    GAH! So, my question is....should I find a bank closer to me so I can deposit the cash whenever, thus saving me the headaches...or is there an easier more convenient way for me to get my cash to my current bank? What should I do? ........
    Last edited by Mily; 09-20-2007 at 01:32 AM.



  2. #2
    Banned Melonie's Avatar
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    Default Re: My Bank is Too Far Away...

    with the price of gasoline and the value of your 'time', I would definitely open an account with a nearby bank or credit union based on geography rather than service. After all, the primary requirement for a nearby bank is to accept cash deposits which you are going to turn around and use to pay bills or invest elsewhere. As such, the interest rates and options that the nearby bank makes available are of somewhat reduced importance.

  3. #3
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    Default Re: My Bank is Too Far Away...

    You don't think I should keep the account at my current bank as well as open an account nearby? I have a lot of direct deposits and automatic withdrawals set up with the other bank as well as good credit history?
    Last edited by Mily; 09-20-2007 at 02:06 AM.



  4. #4
    StrayStripper
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    Default Re: My Bank is Too Far Away...

    I use the ATM.

  5. #5
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    Default Re: My Bank is Too Far Away...

    ^Just any ATM? Like I said, I'm completely clueless because I've had the same bank for so long, have had direct deposits going into these accounts, and have always gone to the teller. I've never tried using the ATM.



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    Banned Melonie's Avatar
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    Default Re: My Bank is Too Far Away...

    ^^^ I wouldn't close the accounts at the 'far away' bank, but I would work on rerouting your direct deposits etc. to new accounts at a 'nearby' bank. As you say, the 'far away' bank is adding $20 a week to your gasoline bill plus consuming a couple of hours per week of your time. Its also highly probable that your 'far away' bank is not going to make available a 'free' ATM near your home either.

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    Default Re: My Bank is Too Far Away...

    I had to get a second bank account for my dance income, just for the convenience. Both accounts have savings/checking. All of my direct deposit crap goes to the old account which is in a different state, and cash from dancing goes into the new account where my bank is across the street.
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  8. #8
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    Default Re: My Bank is Too Far Away...

    ^^^Yeah...sounds like that's what I'll have to do. There's a little bank directly across the street from where I live, and I always drive by it wishing I could just deposit my cash there instead of driving to a whole other country.



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