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Message
Best Online Checking Account
Posted on 12/17/13 at 4:08 pm
Posted on 12/17/13 at 4:08 pm
What are your guys favorite online checking account? I'm talking no fees, debit/ATM cards, easy ways to move money from my primary account to this one, etc. I want to use this account for my play money. Thanks in advance
2
Posted on 12/17/13 at 4:30 pm to Hoyt
What exactly are you looking for in an online checking account?
I use Capital One for my checking, and CapOne 360 for my online savings. It transfers money easily between the two. Capital One bank has no fees, debit/ATM card, reimburses me for ATM fees from other banks, etc. I see no reason for an online checking account. If I wanted to separate money, I'd just make a new account with one of them. Savings account earns 0.75% and my checking earns 0.4% (I think).
ETA: Only reason I could think of would be to hide money from SO/Joint Account Holder? I'm not sure if CapOne360 has online checking. ING had an online checking, so I assume CapOne kept it.
I use Capital One for my checking, and CapOne 360 for my online savings. It transfers money easily between the two. Capital One bank has no fees, debit/ATM card, reimburses me for ATM fees from other banks, etc. I see no reason for an online checking account. If I wanted to separate money, I'd just make a new account with one of them. Savings account earns 0.75% and my checking earns 0.4% (I think).
ETA: Only reason I could think of would be to hide money from SO/Joint Account Holder? I'm not sure if CapOne360 has online checking. ING had an online checking, so I assume CapOne kept it.
This post was edited on 12/17/13 at 4:33 pm
Posted on 12/17/13 at 4:36 pm to Hoyt
Ally
Posted on 12/17/13 at 6:03 pm to Paul Allen
I have Charles Schwab and like it.
Posted on 12/17/13 at 6:26 pm to WhalingVessel
quote:
I have Charles Schwab and like it.
I've been with Schwab for over ten years and think they're great, and not just for checking.
Posted on 12/17/13 at 6:35 pm to foshizzle
schwab investor checking. you can pull money from any atm fee free.
Posted on 12/17/13 at 6:49 pm to diat150
Any minimum requirements with Schwab?
Posted on 12/17/13 at 6:49 pm to diat150
Any limit on check deposits?
Posted on 12/17/13 at 7:40 pm to I Love Bama
I dont remember there being many requirements. I basically just use it as an extra debit card so I dont have to find a chase atm or pay a fee. they have a deposit app like chase.
Posted on 12/17/13 at 7:56 pm to diat150
My bank only allows remote deposit up to $5,000. It is annoying as hell. My expense reimbursement checks are usually from $4,000 - $10,000 a month.
Posted on 12/17/13 at 8:07 pm to I Love Bama
yeah good luck finding a bank that will let you do that.
Posted on 12/17/13 at 8:36 pm to I Love Bama
quote:
My bank only allows remote deposit up to $5,000. It is annoying as hell. My expense reimbursement checks are usually from $4,000 - $10,000 a month.
Schwab has let me deposit several times in the $5-10K range by taking a picture of the check on my phone, this has never been a problem.
Plus, on the few occasions I've had to call them I get prompt service by a native English speaker who either knows what he/she is doing or takes the initiative to pass me on to someone who does without wasting time.
Posted on 12/17/13 at 8:46 pm to foshizzle
Will Schwab deposit personal checks over picture, or just business/paycheck type checks?
Posted on 12/17/13 at 8:48 pm to foshizzle
quote:
Plus, on the few occasions I've had to call them I get prompt service by a native English speaker who either knows what he/she is doing or takes the initiative to pass me on to someone who does without wasting time.
Girlfriend said they excellent customer service. She had an issue with Kenneth Cole charging her account multiple times, she contacted KC and they were no help, blamed it on CS, so the CS rep three-ways KC in, and tells them it wasn't the bank holding it up and that as soon as they reversed the charges, all would be well.
Posted on 12/18/13 at 11:55 am to I Love Bama
quote:
My bank only allows remote deposit up to $5,000.
my bank only allows mobile deposit up to $500
Posted on 12/18/13 at 12:45 pm to MasCervezas
After reviewing the Charles Schwab account I am all in.... What great customer service and low fees
Posted on 12/18/13 at 1:58 pm to Hoyt
I opened a Schwab account last January and have had no problems. Customer Service is excellent.
Posted on 12/19/13 at 9:29 pm to southernelite
quote:
Will Schwab deposit personal checks over picture, or just business/paycheck type checks?
I routinely deposit personal checks on my phone this way.
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