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View Full Version : Best bank to do business with in FL


unkownfl
12-26-2011, 08:25 PM
Currently a BOA customer. I don't really have any complaints but I currently moved and I have to pass every other bank before I get to my Bank of America.

Landscape Poet
12-26-2011, 08:36 PM
Currently a BOA customer. I don't really have any complaints but I currently moved and I have to pass every other bank before I get to my Bank of America.

I have used Regions since I moved down here unknown. I do not know that they are the best bank but they are good IMHO. Free business checking. The girls behind the counter know me by name and always address me by it when I enter the branch.

The one thing that your current bank has that I thought about switching to them was the deposit checks through the phone app. Are you doing that? Seems like it could save lots of trips to the bank. Regions is working on a secure app but currently only offer essentially a router type machine for $30 a month which your simply run the check through and it is deposited for you.

Again I am just going off my experience at my branch and how I am treated there. I have not had a need to get a loan or any other type of business with them. I can tell you there online banking is free and allows you to label each transaction with your own categories - it also allows you to tag them into Taxable expense or income and then exports to QBs. All this for free. Not bad I guess but I am interested in hearing what others have to say as I have over 8 options within 10 blocks of my home.

jvanvliet
12-27-2011, 06:07 AM
Can't say it's the best, but we haven't been dissapointed with Wells Fargo, formerly Wachovia. They have a payroll system for small businesses that's very cheap as well as other online utilities geared towards small businesses and they dovetail nicely with out Quickbook Pro.

Also, I can deposit cash or checks at the ATM without an envelope 24 hrs a day and get a detailed receipt with copies of the checks on it. Very convienient.

jackal
12-27-2011, 07:16 AM
I have had good luck with Chase in Florida.

yamadooski
12-27-2011, 08:16 AM
IMOP Chase and BOA are government banks. I dont trust them. I have always stuck to a small bank. They know my wife by name they respect our business.
The other two banks you are just a number and all you people that get ripped off by them only listen to you when 1,000's of you voice your opinion.
With a small local bank they listen to you only.

GreenT
12-27-2011, 01:53 PM
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Join a credit union.

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Fencek
01-10-2012, 04:23 PM
Capital City. Great folks. Free business checking also.

fl-landscapes
01-10-2012, 04:57 PM
I use my local bank. Charlotte state bank. They are great
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stickleylawncare
01-10-2012, 09:50 PM
I used USAA for a long time, but eventually wanted a physical bank for the business and went to Suntrust which is the closest to our place. I guess its a "big" bank but all the people there are friendly, know them by name etc. The basic business account is free.. unless you are broke( I think 1000 bucks in the account and then there is no fee)

weapons of grass destruction
01-14-2012, 08:47 PM
credit union works great for me.

badbart
01-14-2012, 09:07 PM
credit union works great for me.

I agree. CU's are not for profit so they have less fees. I've been with them for 32 years.

weapons of grass destruction
01-15-2012, 09:30 PM
I agree. CU's are not for profit so they have less fees. I've been with them for 32 years.

yep my dad 16 or more years

justanotherlawnguy
01-16-2012, 11:50 PM
I use boa, only because it's free and there is one on every corner. Plus you can make deposits up til 8pm at the ATM and it credits the same day. If you need anything else, forget about it. They won't give a loan for anything!
Chase blows!
Wells Fargo blows!
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XYZLawnPros
01-24-2012, 01:08 PM
Be your own bank. Read, Learn, DO IT YOURSELF.
The only benefit you can derive from using a federally
regulated corporation/bank is in the form of trust accounts.
If you are not competent enough to gain a little knowledge
about "their" monetary system, I suggest continuing to let
them pull the wool over your eyes.

Not to get off topic, but these gentlemen hyping the use of
credit unions have absolutely no idea what they are talking
about in relation to how credit unions operate. They only
get their so called facts off of the internet.

Patriot Services
01-24-2012, 01:22 PM
Be your own bank. Read, Learn, DO IT YOURSELF.
The only benefit you can derive from using a federally
regulated corporation/bank is in the form of trust accounts.
If you are not competent enough to gain a little knowledge
about "their" monetary system, I suggest continuing to let
them pull the wool over your eyes.

Not to get off topic, but these gentlemen hyping the use of
credit unions have absolutely no idea what they are talking
about in relation to how credit unions operate. They only
get their so called facts off of the internet.

What are you saying? Exactly how do you process a credit transaction without a financial institution? Accepting checks? Are you telling me you only take cash or run around town to every customers bank to cash their payment checks?
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GreenT
01-24-2012, 03:07 PM
Not to get off topic, but these gentlemen hyping the use of
credit unions have absolutely no idea what they are talking
about in relation to how credit unions operate. They only
get their so called facts off of the internet.


That's right. Specially those that actually use said Credit Unions.... what do they know? :)

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GreenT
01-24-2012, 03:09 PM
What are you saying?


He says be your own bank.

How does the Cayman Island sound to you? :rolleyes:

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Landscape Poet
01-24-2012, 04:36 PM
Be your own bank. Read, Learn, DO IT YOURSELF.
The only benefit you can derive from using a federally
regulated corporation/bank is in the form of trust accounts.
If you are not competent enough to gain a little knowledge
about "their" monetary system, I suggest continuing to let
them pull the wool over your eyes.

Not to get off topic, but these gentlemen hyping the use of
credit unions have absolutely no idea what they are talking
about in relation to how credit unions operate. They only
get their so called facts off of the internet.

Can I get a bailout if I do? Can I do really risky investment that screw my customers our of the financial lively hood and then ask for a bailout? If so I am in tell me where I sign up.

Patriot Services
01-24-2012, 05:25 PM
He says be your own bank.

How does the Cayman Island sound to you? :rolleyes:

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Caymans are awesome, been many times. However last time i checked US tax code still requires you to declare deposits made to offshore banks. :usflag:

Do your banks really charge that much that it's worth the hassle and red flag raising trying to circumvent the law?:usflag:

fl-landscapes
01-24-2012, 06:05 PM
Being your own bank, do you pay yourself interest? Is your money stuffed mattress FDIC insured?


Be your own bank. Read, Learn, DO IT YOURSELF.
The only benefit you can derive from using a federally
regulated corporation/bank is in the form of trust accounts.
If you are not competent enough to gain a little knowledge
about "their" monetary system, I suggest continuing to let
them pull the wool over your eyes.

Not to get off topic, but these gentlemen hyping the use of
credit unions have absolutely no idea what they are talking
about in relation to how credit unions operate. They only
get their so called facts off of the internet.
Posted via Mobile Device

GreenT
01-24-2012, 08:18 PM
However last time i checked US tax code still requires you to declare deposits made to offshore banks. :usflag:

Do your banks really charge that much that it's worth the hassle and red flag raising trying to circumvent the law?:usflag:


Are you asking me or the genius that wants to completely bypass the whole banking system? :rolleyes:

And, more importantly, do you think he cares? :laugh:

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Patriot Services
01-24-2012, 08:45 PM
Are you asking me or the genius that wants to completely bypass the whole banking system? :rolleyes:

And, more importantly, do you think he cares? :laugh:

.

Nah, I was asking XYZ savings and loan who doesn't seem to know Jack about business ABC's. Obviuosly he gradimatated from the Wesley Snipes school of accounting.
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XYZLawnPros
01-25-2012, 02:45 PM
What are you saying? Exactly how do you process a credit transaction without a financial institution? Accepting checks? Are you telling me you only take cash or run around town to every customers bank to cash their payment checks?

I'm saying that yes you can be your own bank. A corporation is a financial
institution. Why wouldn't I accept paper checks? Is there something
inherently wrong with accepting paper money? If you do go to a clients bank
to possibly cash a check, that is what the client is paying the bank to do for
them isn't it?

All banks make money/profit hand over fist by using digital transactions. If
you make them give you physical paper then you are actually getting "your
monies worth".

If you ever have to take a note/loan from a "bank", next time TELL them you
would like the physical cash to take to the place where you are making a
purchase. Make sure you report back what the financial institution tells you, and have fun with it.

That's right. Specially those that actually use said Credit Unions.... what do they know?

Well, have you actually read the entire contract with your credit union? Have
you read the entire federal credit union banking charter? And since you are
supposedly a shareholder of said credit union, have you asked for all the
information and all the disclosures how they run their/your business? I know
I have. But that is just me. I do endeavor to be competent enough to handle
my own affairs.

He says be your own bank.
How does the Cayman Island sound to you?


Exactly!
I have been to the Cayman's. Scuba diving and snorkeling is a fabulous experience there!

However last time i checked US tax code still requires you to declare deposits made to offshore banks.

I see you are still working for the government.:nono: You need to change that ASAP. :)

Do your banks really charge that much that it's worth the hassle and red flag raising trying to circumvent the law?

Who is circumventing the law?
I would make a funny about Mitt Romney, but that would make me no better
than him.

Can I get a bailout if I do? Can I do really risky investment that screw my customers our of the financial lively hood and then ask for a bailout? If so I am in tell me where I sign up.

In all honesty Michael Geist, I haven't looked into that part yet.
If you're a competent and honest gentlemen, why would you want to hurt
another fellow human?
Maybe get a job in the financial sector?

Being your own bank, do you pay yourself interest? Is your money stuffed mattress FDIC insured?

Now why would I keep a loaded revolver against my head, as well as your head
and every other taxpayer? That's what the United States of America corporation does.
Do you really need the FDIC to hold your hand while you cross the street?

Are you asking me or the genius that wants to completely bypass the whole banking system?

Genius? I would say competent in my own affairs.
There is no bypassing or circumventing their system IF you want to play their game. Learn how to play it better if you want to play. And who told you that
their system was for everyone? Did you ever think to question authority?

And, more importantly, do you think he cares?

Nah, I was asking XYZ savings and loan who doesn't seem to know Jack about business ABC's. Obviuosly he gradimatated from the Wesley Snipes school of accounting.

You know one of the most important lessons I learned from the male family
members in my family was "If you don't have anything nice to say, then don't say it at all." And you wonder why society is on this enlightened "everyone is their own king" path today.

Yes GreenT I do care.

Patriot, why would you assume that because I offered my own informed opinion
that I am ignorant of business? As to the second part of your statement, did I put you down or disrespect your feelings in anyway? I have no clue what you are on about Wesley Snipes. But I may actually spend 20 minutes looking into
something you used as a dig against me for no apparent reason.


To the original poster:
I do apologize for being rather hasty and curt with my first post in your column.
In my opinion your best bet is to do your homework and look at each financial institution in depth before you make a choice. Don't be afraid to ask all the hard questions, ask for all disclosures and hidden contracts. Ask for their balance sheets and financial info. Ask about trusts weather related to business or personal. Take your time(that is all that we have) to make a good judgment on your own financial affairs.

Read Read and Read again. There is no harm in learning.

Patriot Services
01-25-2012, 03:34 PM
XYZ- let's try to keep this clean and intelligent so it doesn't get yanked.:usflag:

My reference to Wesley Snipes (well known actor) was that he tried to be his own bank and got 3 a year prison term for it.:usflag:

Are banking regulations and business tax laws that much different in Canada?:usflag:

XYZLawnPros
01-25-2012, 05:18 PM
To your first sentence Patriot, I was just being honest...

I did indeed read for an hour through the Wesley Snipes case/court/trial
documents, but we better leave that for a different post in a different section.

I live in Minnesota so yes we live amongst the same financial system. I call it tundraland because we get colder up here than alot of parts of canada. Think 40+ below 0 winters with windchill. :dizzy:

I lived between Ft. Myers and Naples between 1998 and 2002. Hurricane shutter installer was a great job. I had always cut grass on the side and did the same in Florida.

Funny story:
The second day I was in Florida I set up my bank accounts. For some reason I forget the name of the chain bank I used. Think they may have joined with fifth3rd bank possibly. Anyways, I left the bank with 700 bucks cash in my pocket. Strolled over to Lowe's across the street to buy necessary tools for my new job. At the checkout counter I paid in all 20's and 50's. The cashier marked each bill checking for counterfeits. She must have felt bad for me or something because she nonchalantly handed me back four 20 dollar bills and said they were counterfeits. I was like OMFG WTF I just got those from the teller across the street at the bank. She seemed to believe me because her husband worked at a different bank and she told me if the tellers took in counterfeit bills and didn't notice, at the end of the day they would be responsible for their errors.
So basically the tellers would hand back out the bogus bills to customers to get themselves off the hook.
In a nutshell I did take the bills back to the bank and the issue was resolved.

I enjoyed southwestern Florida. With the heat and humidity and the tendency to rain what seemed like daily, it got old quick. Throw in the Haitian/Mexican/Latino massive explosion in population in the 4 years I was there, I really started to miss the cold and snow again.

Up to Minnesota, running my own LCO ever since.

fl-landscapes
01-26-2012, 08:33 AM
Xyz, no I dont want you to hold a gun to either of our heads. My observation is you are obviously a little of a conspiracy theorist and maybe a bit paranoid. If your keeping a significant amount of savings I would never suggest what you had and self bank. Whatever that truly is. I'm happy with my bank, no fees and yes FDIC insured. I have a good relation and when I buy equipment I run short term loans throug them for cash management purposes. Watch out for those black helicopters in the sky spying on you, they may notice and confiscate your self bank, or covertly swap them with more counterfeits.
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GreenT
01-26-2012, 06:04 PM
Yes GreenT I do care.


All I know is that you went a loooong way not to answer any questions.

From what I gather, and correct me if I'm wrong, you operate on a cash basis and do not have a bank account..... Is that it?

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justanotherlawnguy
01-26-2012, 08:39 PM
Jesus this thread went stupid! Thank heavens xyz left fl for mn.
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GreenT
01-26-2012, 08:52 PM
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Not to worry... our supply of xyz-types currently exceeds demand. :)

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