What checking do you perfer?

What checking do you perfer?
I am just starting out and have gotten an account with Charter One bank, they gave me a mastercard debit and for the first month they put a hold on my checks. I didn't know this, and i would put my checks in the account, and use my debit card. Not only did they take the 2 weeks pay, they charged me so many fees hat it was unbelivable. They also waived a few, because they didn't make it clear to me what holding my check ment (if they told me at all).
The other day my balance online said I was overdrawn by $2 but i checkd it today, and it says that day I had $63 in my account. Why would my balance change that fast with no deposits or withdraws since it was overdrawn? I've gotten so confused with the balance changes even with no activity on the account, that i don't even use it anymore.
What are some other checking accounts that are used, and how do they work out for you? Just wondering if i'm the only person that has problems like this.


Answers:

dlbplumbing:  there are banks in the area where i live that offer free checking, that is with virtually no fees. you need to call around and ask lots of questions or get online and research your questions before you open a checking account.
2006-04-18 07:04:27
Talk to me.:  I am with Bank of America and they are great. I am not sure if they have one in your area, but they will sit down and explain everything. They even have ways to get you check for free. I would look into a different bank.
2006-04-18 07:17:30
Chosen Answer
VaTreasures:  I use wachovia and am pretty happy with it. I think they have a low balance no-fee option for students. They may also have a general free checking option.

Maybe they fees caused you to be overdrawn and then they credited your account with the fees and that increased your balance. Or it could be a deposit that has been credited, but is not showing up online yet.
2006-04-18 08:00:42