What local Banks don't charge monthly checking fees?

Commerce just charged us $15 for the month b/c my account hit $96 for ONE day during the month..W T F ?? They require you to keep $100 in at all times to avoid fees.

Hello- I took $4 more of MY money than you would have liked me to and you charge me $15.?!?!?!

The nerve!!! It's not like we dont have $$$$$ in savings.

So,we are looking for another bank to take our $$ elsewhere.

Which ones have totally free checking? Any advice?

TIA

WAMU - you dont have to have any kind of minimum

And now they do free checks for life - so you dont have to pay for checks either (as long as you take the standard print ones)

Right, Citibank doesn't charge a monthly fee. Do you have any other accounts? The only thing is, I don't remember now if you must have a combined amount of a certain amount that they don't charge you. Also, you can get overdraft and not worry if you happen to go over which is great to have.

---

Posted by Future Mulligan

omg i have a commerce checking - i didnt realize that $100 is the minimum balance you need in there....i have to check my statements, i feel like ive cut it close to that and i dont remember being charged anything

---

it's recent, like in the past year or so. I was royally PO'd because one of these reasons I signed on with Commerce was the no fee thing.

and even if you have overdraft, they still charge you if you go under $100

---

Posted by kslmbuggie

I have an account @ HSBC & Wamu & neither charge. Your bank may have a free checking account, just ask them, & if they dont make the switch.

---

Thanks!

Commerce it is free, but if your balance goes below $100 they charge a monthy fee. Which is nuts if you ask me b/c it's MY $$. Not like I was overdraft.

---

Posted by snwb08

---

Posted by Future Mulligan

omg i have a commerce checking - i didnt realize that $100 is the minimum balance you need in there....i have to check my statements, i feel like ive cut it close to that and i dont remember being charged anything

---

it's recent, like in the past year or so. I was royally PO'd because one of these reasons I signed on with Commerce was the no fee thing.

and even if you have overdraft, they still charge you if you go under $100

---

i noticed that they charged me $15 in july and it said cycle charge - so i figured whatever its $15 it must be a yearly fee or some crap - but i did go below $100 in June - so im guessing that is what the $15 was for - ughhhh this *****.....on purpose i put AS much money into my savings as i can - even if it means i only have $50 in my checking account now i cant do that anymore? W-T-F now i want to switch banks again

---

Posted by Gigi08

Right, Citibank doesn't charge a monthly fee. Do you have any other accounts? The only thing is, I don't remember now if you must have a combined amount of a certain amount that they don't charge you. Also, you can get overdraft and not worry if you happen to go over which is great to have.

---

Thanks. Yeah,we have a savings w/ $$$ in it but its a balance per account, so they tell me And they dont offer overdraft.

WAMU BABY!

---

Posted by Future Mulligan

---

Posted by snwb08

---

Posted by Future Mulligan

omg i have a commerce checking - i didnt realize that $100 is the minimum balance you need in there....i have to check my statements, i feel like ive cut it close to that and i dont remember being charged anything

---

it's recent, like in the past year or so. I was royally PO'd because one of these reasons I signed on with Commerce was the no fee thing.

and even if you have overdraft, they still charge you if you go under $100

---

i noticed that they charged me $15 in july and it said cycle charge - so i figured whatever its $15 it must be a yearly fee or some crap - but i did go below $100 in June - so im guessing that is what the $15 was for - ughhhh this *****.....on purpose i put AS much money into my savings as i can - even if it means i only have $50 in my checking account now i cant do that anymore? W-T-F now i want to switch banks again

---

that's it! they call it a cycle charge. I was SO mad. I started transitioning my money to Bank of America since that's where our joint account is, but haven't made the full switch yet.

---

Posted by ChristineAaron08

---

Posted by Gigi08

Right, Citibank doesn't charge a monthly fee. Do you have any other accounts? The only thing is, I don't remember now if you must have a combined amount of a certain amount that they don't charge you. Also, you can get overdraft and not worry if you happen to go over which is great to have.

---

Thanks. Yeah,we have a savings w/ $$$ in it but its a balance per account, so they tell me And they dont offer overdraft.

---

they do; i have a $500 overdraft with Commerce.

---

Posted by Future Mulligan

---

Posted by snwb08

---

Posted by Future Mulligan

omg i have a commerce checking - i didnt realize that $100 is the minimum balance you need in there....i have to check my statements, i feel like ive cut it close to that and i dont remember being charged anything

---

it's recent, like in the past year or so. I was royally PO'd because one of these reasons I signed on with Commerce was the no fee thing.

and even if you have overdraft, they still charge you if you go under $100

---

i noticed that they charged me $15 in july and it said cycle charge - so i figured whatever its $15 it must be a yearly fee or some crap - but i did go below $100 in June - so im guessing that is what the $15 was for - ughhhh this *****.....on purpose i put AS much money into my savings as i can - even if it means i only have $50 in my checking account now i cant do that anymore? W-T-F now i want to switch banks again

---

hah- RIGHT!! they are nuts!! I remember my sister saying something about this $100 thing,but never paid attn.

Call them and complain..especially if you have another account w/ them.They reversed my fee.