Which bank is good for a checking account?

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FastSRT8
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Postby FastSRT8 » Wed Apr 25, 2012 1:44 am

LOL I guess not!
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JCarter
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Postby JCarter » Thu Apr 26, 2012 1:35 am

Moneytalks wrote:Can anyone recommend a good bank for checking account? (Not Chase)


Do you use direct deposit? Can you live with online only, or do you need a brick and mortar branch? How much would you be maintaining in your account at all times? Where in the US are you?

Moneytalks
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Postby Moneytalks » Thu Apr 26, 2012 5:15 pm

JCarter wrote:Do you use direct deposit? Can you live with online only, or do you need a brick and mortar branch? How much would you be maintaining in your account at all times? Where in the US are you?


I like to use online banking, and could not use online banking alone. (I like a physical location) In the checking account, less than $10,000. Thanks for the feedback!
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

JCarter
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Postby JCarter » Fri Apr 27, 2012 2:03 am

Moneytalks wrote:I like to use online banking, and could not use online banking alone. (I like a physical location) In the checking account, less than $10,000. Thanks for the feedback!


How about your location?

Moneytalks
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Postby Moneytalks » Tue May 01, 2012 10:56 pm

DavidNY wrote:Online? TIAA Direct

B&M? Your local credit union


What is B&M?? sounds cool haha...
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

Moneytalks
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Postby Moneytalks » Tue May 01, 2012 11:00 pm

And if I close a checking account and open a new one, will either one hurt my credit score???
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

ivotedale
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Postby ivotedale » Wed May 02, 2012 12:04 am

If it were possible you could live w/ out a physical location, I've been hearing nothing but good things from USAA- and I think you can apply w/ out a military affiliate, etc.

If I ever get unlazy enough to break from Chase I'll probably consider that move, but I feel like I've moved from too many banks so far in younger years.

Originally I started w/ Wells Fargo student checking, then to Compass->WAMU turning into->Chase. This was all in a six year period I believe; should've stuck with Wells Fargo haha. In the event it does affect credit, that can explain my high APR (though I never carry balances so it doesn't apply to me anyway).

Now that I think of it, any of the major banks aren't a good fit for me as far as fees go, because I prefer to have as little as I can in my checking- I have a high-yield savings account, and it makes more sense to have interest growing there rather than sitting in a static checking account.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

Moneytalks
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Postby Moneytalks » Wed May 02, 2012 6:59 pm

ivotedale wrote:Now that I think of it, any of the major banks aren't a good fit for me as far as fees go, because I prefer to have as little as I can in my checking- I have a high-yield savings account, and it makes more sense to have interest growing there rather than sitting in a static checking account.


You want to share what bank/credit union, etc your high interest savings account is with or are you going to keep it a secret haha??
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

DavidNY
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Postby DavidNY » Wed May 02, 2012 7:35 pm

Moneytalks wrote:What is B&M?? sounds cool haha...


It's a rock group. Well, more like a group of rocks. Brick & mortar, not internet-only.

Moneytalks
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Postby Moneytalks » Wed May 02, 2012 9:58 pm

DavidNY wrote:It's a rock group. Well, more like a group of rocks. Brick & mortar, not internet-only.


Oh, I thought it was like Bank of Manhattan lol! thanks for clarifying
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)



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