Online/E Banking - Page 3

naturaldiscretn · #1 05-21-2008, 05:17 PM

Quote:

Originally Posted by mccoyred

My credit union has had online banking for years now. However, they have added mobile banking in the last 2 years. I can either call or go online on my PDA which is very convenient.

I have thought about ING but haven't done anything about it yet, especially since they are US HQ right here in DE.

I have an ING savings account. You should really try it. I was skeptical at first and it took me a while to warm up to the idea of putting my money into a virtual bank. I finally tried it and I stand by that bank. It is very user-friendly, safe, and the interest rate is great. Like others have said, it is best for larger chunks of money or money that you don't intend to touch for a while since it takes 2-3 days business days for a transfer to take place. Oh, you can also break your money into smaller sub accounts. Within my own account, I have my money broken into 3 different sub accounts like "overseas vacation", "wedding", and "regular savings".

AKA2D '91 · #2 05-18-2008, 08:42 PM

How things change!

I LOVE online banking AND I pay MOST of my bills online. Since the Post Master is forever increasing the rate of postage, I will be going 100% with paying my bills online.

IlovemyAKA · #3 05-18-2008, 08:45 PM

lol--I use it quite a bit, too. It makes things so easy, and the new security measures are reassuring.

Honeykiss1974 · #4 05-19-2008, 08:33 AM

I love online banking as well. I think its been years since I've set foot inside a bank lobby.

lovehaiku84 · #5 05-19-2008, 09:07 AM

I love my ING accounts. I have a checking, and a savings account with them. I also like the fact that they offer CDs with good rates, as well as the ability to invest through their partnership with Sharebuilder. For beginning investors like myself, they have a great deal of information on the ins and outs of investing in the stock market, etc.

naturaldiscretn · #6 05-19-2008, 05:19 PM

I use my online banking daily in order to check my balance and keep up with my transactions. I transfer between savings/checking, too. I don't pay my bills from it, but it has been very beneficial to me. I find it very easy to pop in and out when I need to check on transactions.

mccoyred · #7 05-20-2008, 11:57 PM

Quote:

Originally Posted by naturaldiscretn

I use my online banking daily in order to check my balance and keep up with my transactions. I transfer between savings/checking, too. I don't pay my bills from it, but it has been very beneficial to me. I find it very easy to pop in and out when I need to check on transactions.

My credit union has had online banking for years now. However, they have added mobile banking in the last 2 years. I can either call or go online on my PDA which is very convenient.

I have thought about ING but haven't done anything about it yet, especially since they are US HQ right here in DE.

AbsolutAKA · #8 05-23-2008, 12:08 PM

I do ALL my banking on line. Pay bills, receive statements, transfer money. I rarely walk into a bank unless I have to deposit a check. I've been doing it for years. LOVE IT! I have 4 banks and never had one problem.

I.A.S.K. · #9 06-24-2008, 05:41 PM

I also do online banking and love it as much as everyone else here. I use the same features as everyone else does.
My bank also has this portfolio feature where it automatically calculates what you spend most of your money on. For example if i deposit $1400 in a month and I spend 140 on lets say food (going out to eat and grocery stores etc.) It will show me a pie graph of the break down of my spending (food, transportation, communication, entertainment etc.) and a chunk of the pie will represent food and it will say 10%. The graph is also color coded. It will show you stats for the month a few months a year or whatever. As a stats junkie (somewhat) I love this and it is also a big visual that will show me when I spend too much money on something like entertainment so its great for budgeting.
My banking questions are:
1. does anyone use the checking accounts that pay you interest? I know Charles Schwab has one and some other places do as well. They say that they give you a good return rate I think like 4% was advertised and they dont charge for atm withdrawls. I dont know b/c I've never used it and I dont know anyone who does.
2. Anyone know of any banking institutions or credit card companies with good rates for college students who are trying to build credit?