Choosing a Safe Bank

What are the safest banks in Texas? I am looking at local, national, Prosperiety Bank, and Amegy bank.

By Marc

February 28, 20100 found this helpful

Maybe a Credit Union would be a safer choice.

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February 28, 20100 found this helpful

First Federal Savings Banks are safe.

Deposits at First Federal Savings Bank are insured by the FDIC.

Or the Federal credit union,look on the door as you go into a bank for this sign,FDIC.

Good luck.

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February 28, 20100 found this helpful

Seconding a Credit Union. I switched from a big bank 4 years ago and am very happy with my choice. Not just in being safe but by not being bombarded with fees right & left as well.

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March 1, 20100 found this helpful

We use a local credit union. Its the best! We are treated respectful and the banking is understandable.

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March 2, 20100 found this helpful

I live in Texas and have used a Credit Union for 16 years and have never had a complaint. Try it.

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March 2, 20100 found this helpful

You'll be happiest at a credit union, I promise!

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March 10, 20100 found this helpful

I'll add my voice on the side of the credit unions. I left Huntington National Bank almost a year ago, after trying several other traditional banks. Every last one encouraged me to "float" checks so they could charge hefty non-sufficient funds (NSF) fees. Then there were out-of-network ATM fees, fees for printing checks, etc. Worst of all, when a handfull of my old checks was stolen (and used,) my bank did little to help or advise me. This caused a delay in resolving the issue, which meant I literally had to close the compromised account. Why I didn't leave the traditional banking system right then is still beyond me.

At our credit union, I've only bounced two or three items - and even when the money wasn't in savings for them to transfer on my behalf, the NSF fee was lower. They've never encouraged me to spend money I didn't have for the chance of gaining a NSF fee. The tellers greet us by name and treat us with the utmost respect, even though our balance isn't in triple digits except around payday, lol! They've done everything imaginable to make us feel like valued member-owners, including heeding our feedback and adjusting their operating hours accordingly.

One last thing: No traditional bank I ever used shared their annual profits with me in any way. My credit union deposited a few dollars in my account simply because I'm a member-owner and they showed a profit. To make a long story short, Marc, try a credit union. Betcha you'll never go back to a traditional bank.

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