I'm in need of a new bank. I've decided to go with an online only bank because of their lack of fees and 24/7 customer service. My choices have been narrowed down to Ally Bank, Capital One 360 or Charles Schwab Bank. Comments based on personal experience with any of these banks would be greatly appreciated.
posted by r-senal
on Jul 20, 2014 -
Is there an application or service that will send a push message or SMS on a schedule with account balances of various accounts. Mint will do this weekly but I'd like to have it come once a day at a specific time.
posted by jmsta
on Jul 11, 2014 -
We are moving from Florida to San Francisco and need to change banks- we're not super knowledgeable about this stuff and will definitely research more, but I'd like to get some on-the-ground opinions on how various local banks/credit unions have worked for them. Great customer service and low fees are of course stuff we care about a lot. [more inside]
posted by drd
on Jul 8, 2014 -
Are there any no-fee business checking accounts for a sole proprietorship? Pretty much no services are needed other than an account that is separate from personal finances.
posted by jsturgill
on Jul 8, 2014 -
This morning I got an email from chase saying that my account was overdrawn. Apparently I picked the wrong bank account by accident to pay my credit card bill. Well anyway I looked at my account and the transaction was still pending. I ran over to the bank and put enough cash in my bank account to put me in the positive. Now chase says I should be fine seeing how it was still pending but, I just want to be sure.
posted by mamamia88
on Jul 1, 2014 -
Amazon put a large deposit in my checking account for no known reason, and I'm trying to find out what the money is from. [more inside]
posted by LaurenIpsum
on Apr 25, 2014 -
(Keeping this anonymous because I'm worried my security's compromised and don't want to make it worse.) So for about the past six weeks, the log-in process on the Bank of America site has been behaving strangely for me. When I go to the BOA site I see my online userID in the normal way and click on it. That then takes me to the sitekey confirmation page where --weirdly-- my password is now showing up in plaintext on the login page, above the sitekey image. The first time this happened it was displaying my then-current password, which I immediately logged in with and changed. Since then, every time I go to log in I see the old password in plaintext, above the sitekey. When I enter either my then-current or my actually-current password it's rejected and I need to go through the reset process before I can successfully log in. I'm not freaking out, because there's no strange activity in my accounts. But still, it's unnerving. So..... what might be going on here, and what should I do about it? [more inside]
posted by anonymous
on Apr 15, 2014 -
I am finishing my Ph.D this month and will be moving to Canada for a post-doc position. The town where I will be moving to has a VERY tight rental market and from what I have heard, apartments rent within hours of being posted on the local rental websites. My husband is flying out about a month before we officially move up to secure a place for us to rent, but we are worried about trying to pay for a place without a Canadian bank account. We don't want to give cash to the landlord because it is untraceable and we are pretty sure no one will accept a check from a US bank. Has anyone had to deal with this before? Any advice would be most welcome. Thanks!
posted by source.decay
on Apr 7, 2014 -
I do most of my banking with a megabank but would like to open a second account at a credit union. Can you recommend one that will let me join? [more inside]
posted by neat graffitist
on Apr 3, 2014 -
I am an American, I was here in Finland on a visa waiver, and now on a temporary waiver extension as I am waiting for my "temporary residence permit" application to be processed. I'd like to open a bank account, but the banks here in Finland won't let me. Is there any bank in the EU that I can open a bank with, but without me having much proof of residence?(I only have a letter from my doctor saying I am here recovering from surgery and doing followups). I am subletting a room in a shared house, and have no official paperwork proving so. Ideally I could open a bank account online in Europe, but I could fly there in person if need be. Thanks.
posted by crawltopslow
on Mar 19, 2014 -
I was recently hired at a big commercial bank, but I personally bank at another. Should I make the switch? Does it even matter? [more inside]
posted by HiphopAnonymous
on Mar 11, 2014 -
Spurred by the MtGox implosion thread and by a TV episode in which "real", presumably USD funds in US banks were stolen by an evildoer who illegally transferred the money elsewhere, I am wondering: What protections do US dollars in FDIC-insured US banks have against fraudulent electronic transfers? Would a victim of such a theft be likely to see all, some, or none of the stolen money reimbursed by an insurance policy?
posted by jepler
on Mar 4, 2014 -
My friend has an HSBC Mexico account, that had about 40,000 dollars in it.. he didn't use the account for a year, he called today to get a new checkbook, and found out the account had zero balance in may of 2013, and the account was closed. HSBC Mexico said they can't give more information unless he goes in person to a branch in Mexico. He is willing to hire a lawyer, or Power of attorney, or someone to investigate this in Mexico who legally represent him. He is currently far from mexico and can't make it there any time soon. His mom is in Mexico, can she get power of attorney? Any advice on how to do this? How can he go about finding a lawyer in Mexico who can help him? Or what actions can he take? He suspects fraudulent activity as he did login to his internet banking last year and saw all his money there.
posted by lijiaxiaoniu
on Feb 20, 2014 -
MeFites have always been pretty good at giving basic financial advice, like how to start saving, building a budget, getting out of debt, etc. I'm there already. I find myself in the surprising situation of being comfortable these days, and I'd like to know: what's next? [more inside]
posted by anonymous
on Feb 20, 2014 -
After trying to deal with Wells Fargo's atrocious service and policies, I'm ready to look at other banking options when traveling. [more inside]
posted by Telf
on Feb 17, 2014 -
Yes, I'm writing fiction. So let's say I want to withdraw $100,000 from a U.S. bank account, in cash. How long does it take for the bank to pull the money together for me? An hour? A day? [more inside]
posted by elizeh
on Feb 12, 2014 -
Need help selecting a bank for my partner and me to use for a shared household checking account. Snowflake details inside (primarily about mixing joint and individual accounts with meaningfully separate online banking logins for separate individuals tied to the accounts).
If you have or know of a bank that offers accounts like these I'd love to know about it. Google's hard to make headway with searching without a lead and mostly banks I've personally encountered so far provide only one online banking login between different joint owners. [more inside]
posted by kalessin
on Jan 26, 2014 -
Every month my company sells roughly $15,000 worth of monthly recurring revenue contracts with five year term lengths. The service sells for $1,000 per month so every month we sign on 15 new customers.
$15,000 * 12months * 5 years = $900,000 (total contract revenue for all 15 contracts sold during the month)
We've maxed out our borrowing on physical assets held by the company and I need to find a way to unlock these revenue streams to use as collateral for further growth.
What's the best way to do this? I would prefer to not have to go to every customer and amend their contracts in any way.
posted by Paalen
on Jan 24, 2014 -
I need to find a bank with absolutely amazing online security. Two-factor authentication is a good place to start. Bonus points for stability and good interest rates. [more inside]
posted by anonymous
on Jan 13, 2014 -
I'm a Canadian freelancer located in the GTA area, and I've signed on for a long-term contract with a US client. I'll be getting paid in USD checks fairly regularly. How can I deposit this money in my Canadian bank account and use it in Canada without getting screwed over on currency exchange fees with the big 5 banks? [more inside]
posted by Be cool, sodapop
on Jan 1, 2014 -
I was overcharged by $10 at a cafe. I know this from checking my bank statement, I no longer have the receipt. How should I handle this? [more inside]
posted by troika
on Dec 17, 2013 -
I've written before about my elderly mom's dementia. This is less about her memory problems (and mine dealing with them) and more about a sticky financial situation she's in, thanks to my stepsister. You are not my lawyer, but legal advice would be welcome. Prepare for flurries, inside. [more inside]
posted by caryatid
on Dec 6, 2013 -
There was a fraudulent online charge on my debit card which I'm dealing with disputing with my bank. What passwords should I be changing or other tactics now to protect myself and the new card I'll be getting soon?
posted by dahliachewswell
on Nov 16, 2013 -
Contemplating living in London for six months, what is the best, cheapest way, to access my direct deposit Social Security and pension funds. Currently using a credit union bank card, one Mastercard, one Visa. Fees at the ATMs plus exchange rates dollars to pounds hurt. Is there one single bank w/o fees that would make this reliable and inexpensive?
posted by NorthCoastCafe
on Oct 28, 2013 -
Long story short, I'm basically a freelancer in Canada that's about to be taking on a long-term gig with a US client. I'm getting paid in USD and I'm trying to figure how to minimizes any losses due to fluctuation in exchange rate. [more inside]
posted by Nelsormensch
on Oct 1, 2013 -
For the next three years, I will be paid in sterling pounds as an UK employee. However, I will be living in the Netherlands for the next 1-3 years (so, potentially during the whole contract). What is the best solution for a bank account that takes in pounds, but allows me to spend euros? I would like a Dutch, euro bank account for the time that I am in the Netherlands. I want to try to avoid transferring all of my salary to euros, as I may move to the UK soon... and transferring pounds to euros and back to pounds seems like a waste of money. [more inside]
posted by Peter Petridish
on Aug 24, 2013 -
What's the easiest, best, and cheapest way for a U.S. citizen moving to Toronto to get a Canadian bank account? Ideally before I arrive, if that is possible. [more inside]
posted by grouse
on Aug 21, 2013 -
I need help determining a) how a Bank of the West customer reaches the next rung on the customer service ladder, and b) if my complaint is valid. My home branch manager tells me he can do nothing more for me. I frankly don't believe this to be true. Unfamiliar with banking hierarchies, I have no idea who to call next. After hitting a wall with one branch, what is the next level up? I need to talk to someone who thinks reinstating $130 in surprise fees and repairing their relationship with a longtime customer is more important than seeing me unload my frustrations about BoW on review sites for all the world to see. [more inside]
posted by AnOrigamiLife
on Jun 12, 2013 -
I was issued a check from my old company's pension plan. Apparently it needs to go into a retirement account. Can you help me understand my investment options? [more inside]
posted by karizma
on Jun 5, 2013 -
My sister left on an international trip (from the US), without getting a chance to inform her bank of her trip (apparently they're closed on weekends). Since she won't be able to easily make phonecalls while abroad, she's asked me to do that for her when the bank reopens on Monday. I have her card number, PIN, security question, etc. Which of these options is best: 1) call the bank, and identify myself as her, even though I don't sound like a woman and my sister has an unambiguously female name 2) call the bank, and tell them the truth - that I am calling on behalf of my sister, or 3) enlist a trusted female friend to make the call, identifying herself as my sister using information I provide. [more inside]
posted by anonymous
on May 18, 2013 -
Let's say hypothetically someone had $100,000 in cash and they wanted to convert it to some other item of equal value and store in a safe deposit box. What would the best item be? In the movies it tends to be some kind of certificate like bearer bonds, or precious metals, artwork, or jewelry. What choice is the most secure and likely to retain its value over time?
posted by averageamateur
on May 4, 2013 -
We have a large quantity of cash that my mother in law has stashed in an old purse over the years. Now she wants us to deposit it in the bank for her, but we don't want to run afoul of cash reporting requirements, prohibitions on structured transactions, or civil forfeiture. [more inside]
posted by anonymous
on Apr 11, 2013 -
I want to save up money for a goal I want to meet in 2 years time. I don't trust myself to save the money I need to achieve the goal. I would like to open up a bank account that will only allow deposits for 2 years. Then after 2 years I will be allowed access to the money I've deposited. Are there banks that allow such accounts?
posted by Birchpear
on Apr 10, 2013 -
I'm looking to set up a personal account in a local bank in Washington state. I want to work with a bank that does local business and isn't laundering hundreds of billions of dollars for drug cartels (or insert whatever other horrifying banking scandal comes to mind.) I need a bank with office and ATM locations in the Northwest part of the state, and ideally they'd have an ATM sharing agreement with banks/credit unions in other parts of the country (and Canada? does that happen?) [more inside]
posted by pleurodirous
on Apr 9, 2013 -
Banking question: how to reclaim a joint account I had previously separated myself from? [more inside]
posted by ninjew
on Mar 26, 2013 -
Can anyone recommend simple-to-use, free
, web-based software that can easily reconcile accounts for a small partnership? [more inside]
posted by ajp
on Mar 5, 2013 -
My former bank refuses to give me a refund on an un-cashed bank draft. [more inside]
posted by fiTs
on Feb 20, 2013 -
It's January, which means my mortgage servicer (Wells Fargo) has once again determined my escrow account is short by about $300. This seems legit since there was a recent property tax increase.
Outside of personal preference, is it better for me to pay this all at once, or to spread it out over the year? Is it better for Wells Fargo if I do one or the other?
Context: It's probably my tinfoil lined hat, but whenever a bank gives me a choice like this I assume one of the choices will screw me out of a little money, put me in a position to be screwed out of a little money, or put them in a position to make a little more money off of me.
posted by alan
on Jan 30, 2013 -
My friend is Italian and living in Milan. He has developed a product that he will sell through Amazon. I want to help and get involved but not willing to risk my future to do it. [more inside]
posted by shaarog
on Jan 30, 2013 -
I run my small company (freelancer) and want a kickass online banking experience; minimal fees, good TOS, photo check deposits, and sure, why not, ATM reimbursements. I won't mention my brick and mortar bank (out of Boston for 'citizens') but they leave quite a bit to be desired. [more inside]
posted by filmgeek
on Jan 29, 2013 -
Doing a long-delayed errand, depositing a few checks from various and sundry rebates. One has a date of 10/30/12 and a statement on it declaring "Not valid after 90 days". 90 days after 10/30 is.... today, January 28th. If I cash the check when I go to work in the morning, and my bank accepts the check today, then processes it through to the originating bank a day or two later, will I ultimately get hit with a returned-check fee? [more inside]
posted by sesquipedalia
on Jan 27, 2013 -
Is it best to pay credit card balance right away or when it's due to improve credit? [more inside]
posted by Raichle
on Jan 6, 2013 -
Could a check cashing / short term loan operation be operated in a more ethical fashion, while still making (what I consider to be) reasonable profits? [more inside]
posted by imabanana
on Nov 12, 2012 -
ING Direct is slowly but surely being absorbed into Capital One. Recently, they even announced that their name will be changing soon. Call me paranoid, but this scares me and I want to find a new home for my money. ("Online" banks preferred.) [more inside]
posted by aheckler
on Nov 11, 2012 -
Seeking new bank for our growing small business. Our priorities are great customer service and seamless international wire transfers. [more inside]
posted by paddingtonb
on Oct 5, 2012 -