Best Checking Account

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darkguy2
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Location: United States

Best Checking Account

Postby darkguy2 » Sun Nov 08, 2015 3:49 pm

So I am looking to possibly open a new checking account. I only plan to use it for direct deposit and bill pay. I currently pay my rent by having my bank send a check to my landlord for me. I would like to go somewhere that also allows this. I have already looked at Chase, but they do not have any branches in my state. Anyone have any recommendations?
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)


takeshi
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Re: Best Checking Account

Postby takeshi » Mon Nov 09, 2015 8:16 am

Always be very clear with your requirements when using the word "best". If you need branches in your state then what state are you in? Your profile does not have info.

Is that and bill pay all that matter to you?

darkguy2
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Location: United States

Re: Best Checking Account

Postby darkguy2 » Mon Nov 09, 2015 12:01 pm

Physical locations do not matter to me as long as I have the option to deposit checks remotely when I need it every so often and I can get a ATM fee credit. I am in NC.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

dickey1331
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Location: Houston, TX

Re: Best Checking Account

Postby dickey1331 » Tue Nov 10, 2015 1:41 am

If you are eligible for USAA I'd go with them. They have what you are asking for.
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
Chase Sapphire Preferred $6,500
Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000

darkguy2
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Location: United States

Re: Best Checking Account

Postby darkguy2 » Tue Nov 10, 2015 3:19 pm

dickey1331 wrote:If you are eligible for USAA I'd go with them. They have what you are asking for.


Sadly I am not. I would be if my father decided to switch his insurance to them since he is eligible.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

ingramjuan
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Location: EARTH

Re: Best Checking Account

Postby ingramjuan » Wed Nov 11, 2015 9:53 pm

darkguy2 wrote:So I am looking to possibly open a new checking account. Anyone have any recommendations?


I bank with BOA, and have not lived in a branch location within the last 5 years, especially since everything is done online and deposit checks by cellular phone. When I need cash (not often) I go to a grocery store and get cash back. Keep in mind that a bank will HP on your credit file. I think that's the only reason I have not changed banks to my current location.
CARDS:
Capital One Platinum (2001) |Capital One QuickSilver World (2002) | Amex Gold Delta (2013) | Best Buy Visa (2013) |Discover It (2015) | Amex Platinum (2015)

Gardening Since: June, 2015

Next Cards:
Personal: Chase Freedom Unlimited
Business: Amex Plum
Store Card: Lowes

darkguy2
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Location: United States

Re: Best Checking Account

Postby darkguy2 » Wed Nov 11, 2015 9:58 pm

They did a HP? I have opened up several online checking accounts over the years and they never did any kind of credit check. I actually opened a new one a few days ago with no pull (Simple). I guess that is another reason for me not to go to a big bank for one.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

Elijahmex
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Re: Best Checking Account

Postby Elijahmex » Tue Nov 24, 2015 9:52 am

Capital One is a great bank. They are the only one who allowed me to open a bank account when I first moved to the U.S. without giving me problems about my lack of credit history. AND they also send checks for my rent as well as for other bills.
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Vattené
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Re: Best Checking Account

Postby Vattené » Tue Nov 24, 2015 11:26 am

I've never gotten a HP from opening a bank account, either. Maybe it is typical with national chains and I just haven't experienced it because I like to use small, local banks.

If you're still looking have you considered Discover's checking account? No monthly fees or balance requirements and they do cash back, too ($.10 per online bill pay, check, and debit card swipe). Before committing you can search your zip code for free ATMs. You can do direct deposit and remote deposits. I don't know if you can have them send a check for rent, but it says "official bank checks" are free if that's helpful.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

kdm31091
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Location: Claymont, DE

Re: Best Checking Account

Postby kdm31091 » Tue Nov 24, 2015 11:56 am

Vattené wrote:I've never gotten a HP from opening a bank account, either. Maybe it is typical with national chains and I just haven't experienced it because I like to use small, local banks.

If you're still looking have you considered Discover's checking account? No monthly fees or balance requirements and they do cash back, too ($.10 per online bill pay, check, and debit card swipe). Before committing you can search your zip code for free ATMs. You can do direct deposit and remote deposits. I don't know if you can have them send a check for rent, but it says "official bank checks" are free if that's helpful.


The only caution I have with Discover is a lot of people complain about how slow they are with things i.e. deposits take a long time to clear, transfers take forever etc. If that's not a concern, then don't worry about it, but just putting it out there that I've heard that a lot.

I thought about getting it in the past as a second bank account (would never have my primary be online only but that's just preference) but the number of times I swipe my debit card is so infrequent that the 0.10 rewards wouldn't add up to much of anything.



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