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Online Savings Account...

Discussion in 'Off-Topic Discussion' started by AFButters, Sep 18, 2008.

  1. Sep 18, 2008 at 6:29 AM
    #1
    AFButters

    AFButters [OP] Rigger, Please

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    Rio Rancho, NM -- From Frisco, TX
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    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.
     
  2. Sep 18, 2008 at 6:35 AM
    #2
    TheMaster

    TheMaster Born to Ride Thor

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    Chicky Baby
    NY
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    Bug shield, window visors, skid plate, rust proofing, tonneau cover, paint & upholstery protection, side step bars, navigation system.
    I'm open for business. Send me the money. :pray:
     
  3. Sep 18, 2008 at 6:38 AM
    #3
    AFButters

    AFButters [OP] Rigger, Please

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    Lifted
    What kind of APR will i be earning... wait a second..
     
  4. Sep 18, 2008 at 6:42 AM
    #4
    lsocoee

    lsocoee My hair is all natural Thor

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    I use USAA. Their rates are not as good as ING, but I trust them more.

    They also do all kinds of insurance, investments, and loans. They don't have the cheapest rates, but their service is the best.
     
  5. Sep 18, 2008 at 6:45 AM
    #5
    Janster

    Janster Old & Forgetful

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    Jandy
    Lancaster, PA
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    Advantage Torza top (tri-fold), Husky floor mats, RuffTuff seat covers, C2C hood struts, Homelink mirror, USA Spec PA15-Toy (120gig Classic & 8gig nano), Garmin Nuvi 660, Protecta Bed mat, Pop-n-lock, TSB Springs, Scangauge II, Heated drivers seat, Fumoto drain valve, Aries pushbar, PIAA 540 fog lights, Hood scoop grahics, Flowmaster 50 series dual catback exhaust, RainX Latitude windshield wipers, Husky rear floor liner (ontop of folded down seats). Console Vault.
    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.
     
  6. Sep 18, 2008 at 6:49 AM
    #6
    lsocoee

    lsocoee My hair is all natural Thor

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    most online services offer better rates because they don't have to have brick and mortar locations. Also, I can deposit checks online to my USAA account. I can use an ATM anywhere and USAA reimburses the ATM fees and doesn't charge any fees on their end.
     
  7. Sep 18, 2008 at 6:50 AM
    #7
    lsocoee

    lsocoee My hair is all natural Thor

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    when I say anywhere, I mean they're even accommodating to the folks in the military overseas.
     
  8. Sep 18, 2008 at 6:53 AM
    #8
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    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.
     
  9. Sep 18, 2008 at 6:55 AM
    #9
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    plus the subscriber saving account for insurance & divi check is a nice benny.
     
  10. Sep 18, 2008 at 7:01 AM
    #10
    AFButters

    AFButters [OP] Rigger, Please

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    Lifted
    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
     
  11. Sep 18, 2008 at 7:02 AM
    #11
    lsocoee

    lsocoee My hair is all natural Thor

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    why not just add her to your accounts?
     
  12. Sep 18, 2008 at 7:09 AM
    #12
    AFButters

    AFButters [OP] Rigger, Please

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    Rio Rancho, NM -- From Frisco, TX
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    Lifted
    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
     
  13. Sep 18, 2008 at 7:30 AM
    #13
    norcalbb11

    norcalbb11 Nor*Cal

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    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
     
  14. Sep 18, 2008 at 7:30 AM
    #14
    thebigk

    thebigk 6 Double 5 3 2 1

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    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.
     
  15. Sep 18, 2008 at 7:38 AM
    #15
    AFButters

    AFButters [OP] Rigger, Please

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    Rio Rancho, NM -- From Frisco, TX
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    Lifted
    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..
     
  16. Sep 18, 2008 at 4:01 PM
    #16
    91r100gs

    91r100gs Understand the Voice Within

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    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.
     
  17. Sep 18, 2008 at 4:34 PM
    #17
    TengoTaco

    TengoTaco Wish i was wheelin

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    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.
     
  18. Sep 18, 2008 at 4:36 PM
    #18
    Packman73

    Packman73 ^^^^ 3%er ^^^^

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    I've been quite happy with ING.
     
  19. Sep 19, 2008 at 1:37 PM
    #19
    nd

    nd Radical Town. It's a hell of a place!

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    my buddy told me to check out the "orange account" or something like that.
     
  20. Sep 19, 2008 at 1:43 PM
    #20
    Packman73

    Packman73 ^^^^ 3%er ^^^^

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