Originally Posted by retiredguy123

As a buyer, one thing you can do is to demand to receive the settlement statement at least a day before the closing. When I buy a house, I always tell the seller's agent and the closing company that, if I don't receive the statement a day in advance, they will need to reschedule the closing. They have always complied.

Yes, great word. Apparently the agent was out of town up to that morning. It was a stand in that dropped the ball. It was actually a good thing I had a C F account so money went to escrow in an instant. It avoided a lot of potential delay.

[DAVES]

Originally Posted by golfing eagles

Very good point. Perhaps since I've had an account for over 10 years, have a history of making transfers of the amounts stated, and a credit rating of 850 they allow me a higher limit.

I have no idea why the OP asks here. They should be asking Citizens First or their other bank.
The issue maybe the balance they keep i the account or so many other things. Typically when you call any business you call is answered by a person who can only read you policy. Braking RULES is not appreciated. Wise is to ask for a manager. There is an art to getting things resolved.

[frayedends]

Originally Posted by DAVES

I have no idea why the OP asks here. They should be asking Citizens First or their other bank.
The issue maybe the balance they keep i the account or so many other things. Typically when you call any business you call is answered by a person who can only read you policy. Braking RULES is not appreciated. Wise is to ask for a manager. There is an art to getting things resolved.

If I'm reading the OP correctly, and I think I am, he didn't ask what the issue was with the bank. He posted a gripe and asked for recommendations on other banks people prefer.

[retiredguy123]

Originally Posted by frayedends

If I'm reading the OP correctly, and I think I am, he didn't ask what the issue was with the bank. He posted a gripe and asked for recommendations on other banks people prefer.

Wait a minute. Aren't you the OP? I don't think your issues with Citizens First are serious enough to change banks. The 3-day wait for incoming money is pretty typical, and the $2K limit on transfers can be solved with a little creativity. One way would be to just have money transferred directly into Citizens First initially instead of into the MA bank.

I use Truist Bank because they offer a VISA credit card, so I can make payments by just transferring money from one Truist account to another. I don't use banks for investments, just for cash flow.

[frayedends]

Originally Posted by retiredguy123

Wait a minute. Aren't you the OP? I don't think your issues with Citizens First are serious enough to change banks. The 3-day wait for incoming money is pretty typical, and the $2K limit on transfers can be solved with a little creativity. One way would be to just have money transferred directly into Citizens First initially instead of into the MA bank.

I use Truist Bank because they offer a VISA credit card, so I can make payments by just transferring money from one Truist account to another. I don't use banks for investments, just for cash flow.

Yes I’m the OP. I was just being sarcastic if not funny. I’ve seen 3 day waits with other banks but the wait included both banks. In Citizens First they take the money immediately and hold it for 3 days. So my money is in neither account for 3 days. That’s bogus. Doesn’t mean much to one person but they are making 3 days interest on every similar transaction.

Most options have been covered in the 7 pages. I’m just not a fan of the way they handle transfers. Will I change banks? Maybe. Will see how it goes. I usually prefer credit unions.