I used to have a StarBank/FirstStar/US Bank checking account. I use my checkcard a lot, and several times it wouldn't clear. I would go to the bank to check my balance, and it was fine! It's so embarrasing when that happens!
Also, finding an open ATM was a problem. I remember one day, I went to the FirstStar bank on Cleveland Ave & Innis, it was closed, then I went to the one Morse Rd & Karl Rd, it was down, and then I drove up to the Meijer on 161 & Cleveland Ave, and it was down. All just to avoid the ATM fee from other banks!
Also, I applied for their credit card, and I got turned down. Sure, I had no credit history, but screw them anyways.
My dad is a former US Marine and he had a Navy Federal Credit Union account. He helped me join, and I've had no problems since! I now have a checking, savings, and credit card account with them. Everything is free, including ordering checks, and I get back interest on my checking account. They are also very generous (maybe a little too generous for my benefit) when it comes to credit.
Overall, I am very pleased and plan on staying with them from now on. The only problem is, of course, is that they do not have a branch here in Central Ohio, so I have to always withdraw from another bank's ATM and pay the fee. Also, any deposits I have to make has to be through mail.
Still beats FirstStar!
On a side note, when I had my '95 WS.6, I got the loan from 5/3. When I traded it in for the '01, the dealership applied to a bunch of banks for the lease including 5/3. I ended up with Huntington for the lease. A few weeks later, I got two letters from 5/3. The first one basically said, "Your loan with us has been paid off. Thank you and we look forward to doing business with you again." The other letter was a decline letter for the lease. Hahahaha! Owned by 5/3! graemlins/asshole.gif