Where do you bank? / Online banking Options

[Spectatrix]

Yep. I typically keep my linked account at a balance of $0, unless I need to write a physical check for something. My direct deposit and all of my bills go through my ING checking.

[cmac]

nice. i guess i'm not understanding what the point of the linked account is then. i mean why won't ING allow you just to go straight through them? convenience for you maybe?

[Spectatrix]

I think it's a cost-cutting measure. By requiring you to have a linked account, you're more likely to deposit checks at that bank and make the transfer electronically. That's cheaper for them than processing a paper check. If you want to know more about that, you can always call them up and ask.

But really, if your Wells Fargo account is a free one, I recommend just keeping that and more or less ignore it. That's what I do with Compass.

[schwab]

i currently have bank of america, wells fargo, citibank, and schwab. with citibank, you can get a 5% on a savings account...and they have atms at every 7-11 in the US, which is nice. Their online stuff isnt as nice as boa or wells, but its not bad

[Seeker]

citibank, although owned by the illuminati is pleasant to use, never had a problem

texans credit union if you live in DFW is the absolute best bank to work with

if i were to open an extra checking/savings account i'd do it at capitalone

i'd avoid chase, wellsfargo, and compass like the plague

[Rocky]

I do what Christine is talking about I believe -

I have my wells fargo checking account, but i put actual savings into an ING savings account for the 4.5%

And I have my fidelity shit as well.


gimme your email address and let me refer you to ING and you'll get 25bucks added to your savings account upon creation

[JRockTTU]

I've got ING like everybody else. If you want a place that atleast has a little bit of brick to them you can sign up online for WaMu and you get a free checking account that is absolutely free and a savings account that gets you 5%. They let you do everything online and everything, including bill pay, is free. I think it's about the best deal you can get with a bank that you can still go to if you need to make a quick deposit or talk to someone face to face.

[cmac]

can i do checking and savings with ing?
the info on both says "we will link it to your existing checking account."
i can't find any info on that on their site.

[jwttu]

you might want to check bankrate.com to see who has the highest rates right now

[cmac]

nevermind. figured it out.

[schwab]

im telling you citibank...checking account for free wiht some low interest rate, as well as a savings with a 5% interest rate......and no fees (if you keep 1500 between two accounts)

and every 7-11 as well as ASB (some bank in lubbock) has ATMS for free

[fingercuffs]

Wells Fargo

[Rocky]

ooooooh do me!

sup rocky?

Fuck me in the mouth you wild bitch

[Spectatrix]

can i do checking and savings with ing?
the info on both says "we will link it to your existing checking account."
i can't find any info on that on their site.

Yes, you can do both with ING, but you still have to have a linked account.

Thus I have two checking accounts (one through ING and one through Compass that I barely use) and one savings account (ING).

[Spectatrix]

I use Wells Fargo, but only because they're the biggest bank in College Station and have ATMs everywhere. I'm sure that as soon as I move elsewhere, I'll switch banks. Y'all are making ING sound pretty damn sexy.

ING is pretty sweet. There are other banks out there with higher savings rates (5% vs. ING's 4.5%), but ING has been pretty good about raising their rates over the years, so I haven't been inclined to switch. I figure that as soon as I do, ING will up theirs to 5.25% or something... lol. Plus I've only heard of one bank around Austin that has a better interest rate on checking, but it comes with a bunch of stipulations (direct deposit, X number of purchases a month, etc.) to get that rate. One of the things I've always loved about ING is that they don't have any of that crap. No minimum balance, no direct deposit required, no number of purchases required a month, etc.

They also have awesome customer service, available every day, 8 am to 8 pm (central time, I think), but I've rarely had to call them.

This post has been edited by Spectatrix: Sep 1 2007, 07:42 AM