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The Bar For non Automotive Related Chat |
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#31 | ||
Girls! Drink! ****! ****!
Join Date: Jun 2005
Location: Blue Mountains
Posts: 428
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Being a student St George is kick ****, if you play your cards right zilcho fees. Visa debit card wipes out EFTPOS charges. Online banking is easy as.
Service has always been good and I got a credit card with a better rate than the Police Credit Union. So far the only thing going for the Police Credit Union is salary sacrifice packages and I'd get my pay 2 days earlier. But hey once my student card expires I'll be looking at what the others have to offer.
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Automatic Driver and I'd be proud of that fact, only if I weren't so lazy. 1993 ED Fairmont Sedan - I6 - Colbalt Blue - XH Snorkel - Superlow Kings Springs and KYB Shocks - Cross Drilled and Slotted DBA front Discs - 18" pre-AU GT-P Alloy Wheels - Ford Original Bootlid Spoiler |
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#32 | ||
Regular Member
Join Date: May 2005
Location: Coffs Harbour
Posts: 188
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I wouldn't recommend St George, they like to charge $30 when ever they think your account will go into arrears - not when it does. In one case the $30 fee is what put the account into arrears not our tranactions. Would recommend CUA or NAB no problems at all.
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#33 | |||
FF.Com.Au Hardcore
Join Date: Jan 2006
Location: FoMoCo
Posts: 3,441
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If your after a good interest rate & are happy to do online banking without any branch facilitys & face to face service look at ING direct. I have a mortgage with ING Bank & find them good for that im with ANZ for my everday banking & suppose mainly because my parents bank with them so when i was at school i set up an account with them & have satyed. On my everday banking account you can have as many eftpos & phone banking & online banking & ANZ atm tranactions for $5 bucks a month. If you belive there latest advertising they will be putting another 500 atm's into clatex woolworths & big W sites.
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FGX XR6 Lightning Strike Sedan BA XR6 Mk II Shockwave Sedan - Now Sold - gone but not forgotten mods: 20% under drive, Pacemaker Comps 4495' (ceramic coated) , 3' Metal Cat, XR6T exhaust - twin 3' tips, F6 CAI, K&N panel filter, PWR trans cooler, customed tuned by Heinrich Performance Tuning HPT 183.7rwkw. Quote:
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#34 | ||
Jim
Join Date: Jun 2006
Location: Lincolnshire, England
Posts: 132
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HSBC? and you have woolworths over there!
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#35 | ||
Focus on my Focus
Join Date: Dec 2005
Location: Canberra
Posts: 820
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I was with CBA since I was 8. They ****ed me off when I asked them what the best way to move excess money from my MasterCard to my savings was. They told me to just move it as per normal and there will be no fee. I moved it as per normal and they slugged me $1.25. Basically, they lied to me and are denying it. I know $1.25 isnt much but its the principle. So now I'm moving over to HSBC.
I have an online savings account with HSBC. I get 5 free ATM transactions. 4.75% interest calculated every day. Counter/Customer service is top notch. Havent had any problems with them.
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Now: 2006 Ford Focus LX Manual in Satin White Wife: 2013 Kuga Titanium in Frozen White Then: 1990 Ford Laser - Assasinated by a 76 year old man who failed to give way. Now normally when we have these races, Jeremy goes in the car and says "Powerrr" alot.... - James speaking about Jeremy (Top Gear S7 E05) American parts... Russian parts... ALL MADE IN TAIWAN! - Russian guy in Armegeddon |
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#36 | ||
Jim
Join Date: Jun 2006
Location: Lincolnshire, England
Posts: 132
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Yreah i am with HSBC, they do the best online banking which is better for me.
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#37 | ||
Mr Polish
Join Date: Jan 2005
Location: Across the road from Speedway City
Posts: 1,977
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Currently with bendigo bank, after commonwealth left virginia, the whole townsfolk set up our own community bank a few years ago and I've never been happier
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Detailology colour fx detail studio and R&D Lab SA's leader in auto detailing and paint treatments |
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#38 | ||
Force Fed Fords
Join Date: Nov 2005
Location: Victoria
Posts: 5,556
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Police Credit Co-Op,
No account fees, fee free debit visa card regardless of where used, inc atms etc, interest paid, free cheques........... All you need is member to nominate you...........
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2021 Focus ST-3 Mountune Enhanced |
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#39 | |||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Quote:
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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#40 | ||
Performance moderator
![]() Join Date: Feb 2005
Location: St Clair..N.S.W
Posts: 14,875
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ANZ and just started with ING ...
St George wouldn't give us our deeds back when we paid our place off...Even after we paid for them to be released... Apparently they like to keep them as they use them as bank equity...
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Real cars are not driven by front wheels,real cars lift them!!... BABYS ARE BOTTLE FED, REAL MEN GET BLOWN. Don't be afraid to try something new. Remember, amateurs built the Ark...Professionals built the Titanic! Dart 330ci block turbo black pearl EBXR8 482 rwkw.. Daily driver GTE FG.. Projects http://www.fordforums.com.au/showthread.php?t=107711 http://www.fordforums.com.au/showthr...8+turbo&page=4 |
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#41 | |||
Jim
Join Date: Jun 2006
Location: Lincolnshire, England
Posts: 132
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Quote:
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#42 | ||
FF.Com.Au Hardcore
Join Date: Jan 2006
Location: Melbourne
Posts: 703
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i'm with Bendigo and ING, Bendigo have been really good in the 6 years I have been with them. ING pays the interest thats all I care
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#43 | |||
Jim
Join Date: Jun 2006
Location: Lincolnshire, England
Posts: 132
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Quote:
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#44 | ||
hunting 300kw's
Join Date: Jul 2005
Location: Bendigo
Posts: 1,371
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westpac, dads a manager there and reckons they are pretty good in comparison, just depends on what you want and how old you are. overall they have treated me pretty well, but declining me for a loan because i missed one credit card payment 6 months ago gave me the sh$%s so i onmly use them for my daily and anz for loans etc
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current ride: '04 XR6 Turbo, Phantom, Premium sound.BluePower Enhanced 236.9rwkw 8psi DAMN VALVE SPRINGS (stock 13.82 @ 106.08 HPR)(8psi 13.29 @ 103.93) '99 r8 clubsport, leather, sunroof, 6speed, yeah the turbo is faster..... |
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#45 | ||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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What I need is an account where all funds will be EFT, so no outlet is needed and neither is a card. I have a spending account with ANZ for this.
I'd like an account where I EFT some bills and my house account. So Free internet, Free EFT and high interest. Account ballance will vary, but will remain over 1k
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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#46 | ||
FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Near Canberra
Posts: 882
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I have had dealings at NAB and Westpac, both have surprsed me at times with their high levels of service. It definately makes a difference if you can form a relationship with a person at the branch so that you have someone who knows you who can sort things out when they screw up.
I've also had a not so pleasant experience with a Sydney based credit union who I could only deal with over the phone that left me with a default on my credit record that was unable to be rectified. "I'm sorry XXX has left and we have no record of that conversation" Regards, Tote
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Go Home, Your Igloo is on Fire.... |
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#47 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,381
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I'm with St George. Changed from Commonwealth a great deal of years ago. Never have had any problems with them although with the fees they are introducing, I must say that I'm not happy with that.
I got a VISA debit card purely for the fact that credit transactions were free but apparently from next month they count towards your free transactions, and after that you get charged. I make numerous transactions a week so it will add up eventually. The funny thing with every bank you go to is they charge you an account fee when they invest your money you deposit and make money of it lol. |
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#49 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Quote:
I dont think there's many people chargin for netbank anymore so that's an easy one to strike off the list. ING has high interest but i doubt if you can pay bills etc from the online saver. Vice versa with most other ADIs - good transaction facilities but sh**house interest on deposits unless you go fixed term. Try a hybrid approach... Maybe utilise ING for the "sticky" funds (i.e. your minimum $1k balance) and have another institution like the CBA or one of the other big 4 for netbanking and accessing more liquid funds. CBA charges me $5/month account keeping fee, dont think i get slugged anything for using netbank.
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A cup half empty... but full of euphoria. |
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#50 | ||
Adapt or perish...
Join Date: Jan 2005
Location: Dip!@#$
Posts: 7,954
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I'm with Bank of Queensland for my everyday, savings, CC and loan account. Been with them ever since I moved here.
The interest is horrendous on my loan, which is why I posted that thread in the DM forum, CC is good with interest, and monthly fees are good, in that it isn't expensive. I'm looking into going elsewhere at the moment.
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Carless
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#51 | |||
FF.Com.Au Hardcore
Join Date: Mar 2005
Location: Filling up
Posts: 1,459
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Quote:
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VIXEN MK II GT 0238 with Sunroof and tinted windows with out all the go fast bits I actually need ![]() |
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#52 | |||
Performance moderator
![]() Join Date: Feb 2005
Location: St Clair..N.S.W
Posts: 14,875
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Quote:
I am using ING as real estate portfolio and ANZ for everything else... At present there's no need to invest money "into" banks etc. Also while I have investment properties, bank charges are tax deductible. Still a pita though....
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Real cars are not driven by front wheels,real cars lift them!!... BABYS ARE BOTTLE FED, REAL MEN GET BLOWN. Don't be afraid to try something new. Remember, amateurs built the Ark...Professionals built the Titanic! Dart 330ci block turbo black pearl EBXR8 482 rwkw.. Daily driver GTE FG.. Projects http://www.fordforums.com.au/showthread.php?t=107711 http://www.fordforums.com.au/showthr...8+turbo&page=4 |
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#53 | ||
V8 wannaabeee
Join Date: Mar 2005
Location: Southbank, melb
Posts: 2,575
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commonwealth bank is ok
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#54 | |||
Official AFF conservative
Join Date: Dec 2004
Location: Adelaide, SA
Posts: 3,549
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Quote:
A lot of the time they hold the deeds etc in security packages, usually offsite (hence the fee for retrieving them) but they also send the security packets on when they securitise loans off of their balance sheet (i.e. when they get a bunch of similar loans and sell the loan repayments onto a unitised trust)... Also might have been with the lender's mortgage insurer, if the loan had lender's mortgage insurance on it...
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A cup half empty... but full of euphoria. |
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#55 | |||
Regular Member
Join Date: May 2006
Location: Golf Coast
Posts: 306
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HSBC Online account is a good for just transactions, and you can use any ATM at no cost. http://www.hsbc.com.au/personal/accounts/osa.html
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(my qualification for that statement is 20 years in banking) A mortgage on a property is not on the banks balance sheet, only the loan account is. You must have misunderstood the banks explanation or they were bad at giving it. It is only an advantage to you NOT to discharge the mortgage for a couple of reasons; - the bank is storing your deeds for free. - you can borrow again against the same mortgage later without paying govt costs again, mainly the Mortgage Stamp Duty which can be a lot - about $400 per $100,000 loan (varies state by state) Discharge the mortgage only when you are selling your place or if you want to finance with another lender, otherwise leave it there, you are better off.
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-- 2007 BFII RTV Ute Auto |
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