Best BANK with online capablilites????????

[Davegod75]

I'm hunting around for a good bank. I'm looking for one that has

lots of atms around.
good interest rates.
free/cheap checking
ability to be able to check my balance and stuff online for free.

LMK if you have any good ideas

 

[tontod]

I have an account with etradebank, they're pretty good. They have pretty decent rates. Go through gomez.com if you go with them.

edit: I went through etradebank since they have among the highest rates - 3.85% for savings. It used to be 4.15% but got reduced recently due to the interest rate cuts.

 

[RossMAN]

It all depends on what kind of accounts you have, I have checking accounts with 4 different banks and my favorite is WellsFargo.com because their ATMs are everywhere, voted one of THE BEST banking internet websites, and well I never have to step foot into a branch and I like that. The only time I visit a branch is to deposit cash, I have no faith in depositing cash into an ATM.

I like WashingtonMutual.com because of their free checking. Although I haven't tried out their internet banking.

BankofAmerica.com's "internet banking" doesn't exist I believe you have to use Money software and dial in via 56k modem? Maybe it's just Money software you can use via the Internet but true "internet banking" IMO is being able to view your account anywhere from a web browser whether it be Anchorage or Angola. Their rates are ok and usually they have pretty cute tellers.

 

[Angrymarshmello]

<< BankofAmerica.com's &quot;internet banking&quot; doesn't exist I believe you have to use Money software and dial in via 56k modem? Maybe it's just Money software you can use via the Internet but true &quot;internet banking&quot; IMO is being able to view your account anywhere from a web browser whether it be Anchorage or Angola. Their rates are ok and usually they have pretty cute tellers. >>



Regrading the cute tellers - oh hell yes bro. Hell yes.

Anyway, no you do not need Money software to &quot;internet bank&quot;. They have an online system where you enter in your social or other desired username and password, and you have all your accounts linked to that social listed. (Wether it be CD, checking, savings, etc) I use it all the time and find it very very convenient. (Instead of having to deposit money straight into my checking account, which is a pain in the arse because you get one deposit a month, I deposit it straight to my savings and transfer money over into my checking when I write checks for bills) They have tons of ATMs around, decent interest rates, and it is free to check your balance and transfer money online. Checking is not free however (I think it is if you sign up for a certain plan - I'm a student so no free checking unless I have $500 in my account at all times; otherwise it's a $5 fee. I also have overdraft protection (it automatically deducts money from my savings so I can never write a bounced check ) but it's $5 for that too just in case)

 

[Johnlee]

Davegod-I've gotta give major ups to Wellsfargo's online banking. Man, I love it!

If you have direct deposit, the checking is free. (Or if you have a crapload of caysh, I'm sure you can get it for free too) You can balance your checking and savings accounts online and do cool money transfers between your accounts and stuff. I am very happy with it and would recommend it to anyone.

Good luck.

 

[Davegod75]

COOL thanks guys.. bankofamerica sounds good since atm's are close to my school. I'll look into wellsfargo

 

[Adul]

Band of america has some awsome online capabilities. And if you use quicken, you can tie in that way to. I apy all my bills online now and I even recieve the bills to my BofA online account. A few clicks and its paid. If you sign up for the express account and have direct deposite then it will be free.

 

[RossMAN]

Every comparison I have seen shows Wells Fargo's online banking blow away Bank of America but I have yet to see BofA's.

 

[jamesave]

DaveGod-
Your question depends on where you live-

In CA, there are wells fargo, bofa, and wamu (one of the biggest bank, --> Lots of ATMs)
I only have bofa account since I do have direct deposit each month- I use their online service, which is also good. However, they do charge a lot if you don't have direct deposit or maintain any balance. I could be wrong, you may wanna ask any student account-

The best bet is Wamu they are totally free checking account.

For savings- I have been using solely ING Direct. They have the highest interest with no fee at all. the requirement is you have to have a checking account from other bank. They only link your saving to your checking. (No ATM) So, if you have to deposit or get your money, it has to go through your checking account-

Right now, they are having promotion to open savings account (you'll get $25) however, it has to be referred by an account holder- (PM me if you are interested)

EDIT: ING Direct has 5% interest! NO fee and no minimum (some people even open with $1 and get the $25) FDIC insured (I check it through FDIC.gov) The company's world headquarter is located in netherland. One of the biggest group tha you may heard is the ING Barrings which deal with the stock market.

 

[Davegod75]

yeah i should of said that i Live in Maryland.

 

[pulpp]

intresting info guys, thanks

 

[Cyberian]

Gomez has some good reviews and comparisons.