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Checking Account Help

G

gluck

Senior member
Need to get a checking acct. Can't setup direct deposit. Which would be best bet ?
Low or no minimun balance would be good.
 
Check local banks, that's what I did when I needed a second account. National City gave me the best deal (no minimum, free online checking, debit card), plus they have a branch close by to me (where the tellers are complete bitches, but that's another story)
 
you want no montly balance with no direct deposit?
If you want free checking your going to have to have one or the other...otherwise your going to have to pay....but check with your local credit union...they will have the best rates usually (especially if you plan to buy house/car/equity in the coming years)
 
My bank, Greenpoint(just purchased by Northfork) offers absolutely free checking, with no minimum. They also offer decent interest rates on minimum balance checking accounts. This is in the ny/nj area.
 
Originally posted by: Coquito
My bank, Greenpoint(just purchased by Northfork) offers absolutely free checking, with no minimum. They also offer decent interest rates on minimum balance checking accounts. This is in the ny/nj area.
Click to expand...
There is no information on their site regarding such, but I imagine Direct Deposit is required (which the original poster mentions is not an option).
 
Originally posted by: ActuaryTm
Originally posted by: Coquito
My bank, Greenpoint(just purchased by Northfork) offers absolutely free checking, with no minimum. They also offer decent interest rates on minimum balance checking accounts. This is in the ny/nj area.
Click to expand...
There is no information on their site regarding such, but I imagine Direct Deposit is required (which the original poster mentions is not an option).
Click to expand...


I have one savings & two checking accounts with them. I've never used any sort of direct deposit.

Text

They even give you a random set of tupperware/wrenches, a little stuffed dog, & a cute smile as they shuffle off in their high heels to grab you a silly portfolio that you're never going to use.
 
Originally posted by: Coquito
I have one savings & two checking accounts with them. I've never used any sort of direct deposit.
Click to expand...
Surprising. The competition of the multitude of banks (especially in the tri-state area) must be forcing that sort of change.

Edit: I realize rereading my prior post, it may have seemed unclear. I never doubted the checking was free, but their site makes no mention of the requirements (beyond an initial deposit of $50), and they do not offer online account creation, and thus there was no way to determine such.
 
Originally posted by: ActuaryTm
Originally posted by: Coquito
I have one savings & two checking accounts with them. I've never used any sort of direct deposit.
Click to expand...
Surprising. The competition of the multitude of banks (especially in the tri-state area) must be forcing that sort of change.
Click to expand...

They're not that big, & since they were just bought out, there have been alot of changes. They're still letting current branches operate under the Greenpoint name & service, so maybe things will stay mostly the same.

One thing that did change, was the free one point internet banking. You can pay to use it to take care of bills online, or you can use the free version just to manage your accounts. Since the site was renovated, my free online banking doesn't recognize my login information. :|
 
go with citibank. they have tons of branches and as long as you have direct deposit, theres no minimum, plus you can swing a free ipod.
 
Two people suggested CitiBank and receive FREE $200 or a free iPod but those usually require a minimum deposit of $1,500 - $2,500. I highly doubt gluck has this money laying around. If he does I would definitely choose CitiBank.

Otherwise ActuaryTm has the best suggestion open an account with a local credit union and direct deposit will not be a problem.

CU's aren't the perfect solution for everyone though. If you like a bank with several branches, 24/7 phone banking and thousands of ATM's you should look for a nationwide bank. If that's what you're looking for - check out Washington Mutual.
 
Originally posted by: RossMAN
Two people suggested CitiBank and receive FREE $200 or a free iPod but those usually require a minimum deposit of $1,500 - $2,500. I highly doubt gluck has this money laying around. If he does I would definitely choose CitiBank.

Otherwise ActuaryTm has the best suggestion open an account with a local credit union and direct deposit will not be a problem.

CU's aren't the perfect solution for everyone though. If you like a bank with several branches, 24/7 phone banking and thousands of ATM's you should look for a nationwide bank. If that's what you're looking for - check out Washington Mutual.
Click to expand...

Actually I do have a savings acct. with Citibank with like 3K sitting in it. I never used it coz its a savings with no checks. The Ipod or $200 is kool.

How do I get the Ipod ?
 
Originally posted by: gluck
Originally posted by: RossMAN
Two people suggested CitiBank and receive FREE $200 or a free iPod but those usually require a minimum deposit of $1,500 - $2,500. I highly doubt gluck has this money laying around. If he does I would definitely choose CitiBank.

Otherwise ActuaryTm has the best suggestion open an account with a local credit union and direct deposit will not be a problem.

CU's aren't the perfect solution for everyone though. If you like a bank with several branches, 24/7 phone banking and thousands of ATM's you should look for a nationwide bank. If that's what you're looking for - check out Washington Mutual.
Click to expand...

Actually I do have a savings acct. with Citibank with like 3K sitting in it. I never used it coz its a savings with no checks. The Ipod or $200 is kool.

How do I get the Ipod ?
Click to expand...

I believe you have to be a NEW CitiBank customer 🙁

Got a sibling or girlfriend who can open an account for you?
 
Originally posted by: RossMAN
Originally posted by: gluck
Originally posted by: RossMAN
Two people suggested CitiBank and receive FREE $200 or a free iPod but those usually require a minimum deposit of $1,500 - $2,500. I highly doubt gluck has this money laying around. If he does I would definitely choose CitiBank.

Otherwise ActuaryTm has the best suggestion open an account with a local credit union and direct deposit will not be a problem.

CU's aren't the perfect solution for everyone though. If you like a bank with several branches, 24/7 phone banking and thousands of ATM's you should look for a nationwide bank. If that's what you're looking for - check out Washington Mutual.
Click to expand...

Actually I do have a savings acct. with Citibank with like 3K sitting in it. I never used it coz its a savings with no checks. The Ipod or $200 is kool.

How do I get the Ipod ?
Click to expand...

I believe you have to be a NEW CitiBank customer 🙁

Got a sibling or girlfriend who can open an account for you?
Click to expand...

How could someone else open an account for me. Dont' get it ?
 
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