Online Savings Account...

I am looking to open an Online savings account.. just trying to figure out who to go with the only one i really know is ING Direct.

I need something my wife and I can both contribute too.. that when we finally get moved into to NC and find a back for our joint account we can keep the same savings account and just switch the banking information linked to the account.

 

I'm open for business. Send me the money.

 

What kind of APR will i be earning... wait a second..

 

What's the difference between an online account and a local bank that offers online services?

Just curious what you're looking for. Most banks offer online banking.... My husband does it all the time.

 

Make sure its FDIC insured. Google FDIC and you'll get a lot of information on this. There has been a record of bank failures this year (small local ones) which don't make the news unless of course you had money in there. Not all are insured.

My vote is either USAA too or the Pentagon Credit Union (they have great rates!). I have/do use both.

 

plus the subscriber saving account for insurance & divi check is a nice benny.

 

I already have USAA.. but im looking for an account for my wife to open i have a ING Direct already.. just looking at other options.. my APR has dropped from like 5% to 3% in a year.. damn Market

 

im trying to talk her into it.. but she doesnt like the whole online thing.. The whole reason i had to join the FJ Forum to find info for her truck.. which then again wasnt a bad thing because while searching for that forum i found this place.. but she wants a place she can walk into and a place that has checks.. still trying to figure out exactly what he wants

 

i am using HSBC its an online savings account that is very easy to use with multiple accounts, i am getting a 3.74% APR it started at 5% but they say its looking good and could rise again, you should look into it, oh and it is FDIC

 

I use the PayPal money market fund. It's earning decent interest plus you can get a debit card to access the money. We use it for our vacations too because you get 1.5% cash back on all purchases with the debit card.

 

Well it looks like my suggestions are going no where.. she is dead set on not doing anything online.. but doesnt want to do anything at a bank in Texas since we are moving to NC in Jan and she would have to close it and get a new one.. thanks for the help..

 

Have had a Orange Saving Account for 5 or 6 years. No problems with transfers or deposits. Very high security. Deposits are held for 5 business days. Then they can be withdrawn. When withdrawn the fund are available in my checking account on the second business day after requesting a transfer.

 

Thats good you have USAA. When you get back and start looking for your truck check out the USAA car buying service. They have great auto loan rates too.

 

I've been quite happy with ING.

 

my buddy told me to check out the "orange account" or something like that.

 

Yup, that's ING. It's a good company.