🚀 go-pugleaf

In article <3480c0f6.46687327@news.linkline.com>,
John <john@+DELETE+THIS+linkline.com> wrote:
>I received a letter in the mail today that Coast Federal Bank of
>California is merging with Home Savings of America in early '98.  I
>was curious to hear from customers of Home Savings.  What do you think
>of their customer service?  What kind of fees can I expect to pay now?
>Also, do you receive your canceled checks back with your monthly
>statement?  

     We've been with Home Savings for over 10 years and I'm happy.  We 
had used small banks and S & Ls before because of their better service.  
We moved to Home Savings after the last small bank in our part of San 
Diego closed and we chose them mainly because they have Saturday hours.  
I was presently surprised to see no appreciable loss of service.

     There are a variety of accounts with different fees.  Since I 
haven't gone bank shopping in over 10 years I don't know how they com-
pare to other banks' fees.  We have no-fee checking and savings ac-
counts, the checking account being interest bearing.  The "no-fee" is 
illusory, of course, because they require a pretty substantial minimum 
deposit at low interest.  I know that it might be better to have a fee 
account and move that money into something that returns more, but I just 
haven't gotten around to doing the calculations to see if that's the 
case or not.

     The checks are returned for our no-fee, interest bearing, checking 
account.  I think they have one or more checking accounts in which the 
checks are not returned, either with lower than usual fees or a lower 
minimum balance.  I'm from the old school and still like to get those 
cancelled checks in my hands so I can file the important ones away along 
with any associated data, so I haven't pursued that issue either.

     Home Savings does have a web site.  You might get some details of 
these questions there.  I don't have the URL at my fingertips.

		 		Charlie

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