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In need of banking advice (pg. 2)
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| nix0807 |
| quote: | Originally posted by kid nyce
savings use ING Direct (online banking)
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ING is great right now. They have 3.15% Annual Percentage Yield on an FDIC-insured savings account :eek: which is the highest out there i think.
Also, starting a good Roth IRA or 401k like stated earlier. So you can tax defer some of your earnings and have something when you retire. |
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| vtec junkie |
| Why don't you like Commerce Bank Vlad? Ive been using them for a few months now and they are awesome. They are open 7 days a week, they refund me my atm charges when I use other atms, I don't have to keep any limit in my checking account, they offer free checking, hot chicks work there, and they gave me my first set of checks for free. My only gripe with they is it took three business days for money to clear after I deposited it into an atm after business hours.....big deal. |
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| InterMilan31 |
| For banking in the US I chose HSBC, they also dont charge you when you are abroad and use their ATMs or other ATMs. |
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| klingklang77 |
| quote: | Originally posted by InterMilan31
For banking in the US I chose HSBC, they also dont charge you when you are abroad and use their ATMs or other ATMs. |
+1. i use hsbc, mainly b/c of this reason. i have checking and savings with them and there are no fees for a basic checking account. you cant write more than 8 checks per month. which is fine b/c i pay most bills online anyway and i dont have more than 8 bills anyway...
for credit cards i use mnba (which i hate and never use) and chase platinum. you can get a student credit card pretty easy, with not much of a limit (like $500). what i did was fill out one of those pamphlets that i got from my school bookstore, and a month or so later i had a credit card (with a $500 limit lol). as long as you are good with paying it off they will soon increase your limit. |
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| klingklang77 |
| quote: | Originally posted by InterMilan31
For banking in the US I chose HSBC, they also dont charge you when you are abroad and use their ATMs or other ATMs. |
i only dont get charged when i use their ATMs, what other ATMs dont they charge? |
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| verndogs |
| quote: | Originally posted by nix0807
ING is great right now. They have 3.15% Annual Percentage Yield on an FDIC-insured savings account :eek: which is the highest out there i think.
Also, starting a good Roth IRA or 401k like stated earlier. So you can tax defer some of your earnings and have something when you retire. |
EmigrantDirect.com is 3.50% right now |
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| Groundhog Boy |
| quote: | Originally posted by klingklang77
+1. i use hsbc, mainly b/c of this reason. i have checking and savings with them and there are no fees for a basic checking account. you cant write more than 8 checks per month. which is fine b/c i pay most bills online anyway and i dont have more than 8 bills anyway...
for credit cards i use mnba (which i hate and never use) and chase platinum. you can get a student credit card pretty easy, with not much of a limit (like $500). what i did was fill out one of those pamphlets that i got from my school bookstore, and a month or so later i had a credit card (with a $500 limit lol). as long as you are good with paying it off they will soon increase your limit. |
Yeah, MBNA sucks, I've had them since early on in college. They keep increasing my credit limit every 6 months, with the last one increasing it 5K, but after I got a decent sized balance in college, followed by 8 months unemployment followng college, they started upping my interest rate even though it was supposed to be a fixed rate. I wish my other cards would increase my limit like that so that i could balance transfer and get rid of my MBNA card. Oh well, I've been paying it off quite a bit lately, so hopefully I'll be rid of it in a year. |
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| trunks1022 |
| quote: | Originally posted by klingklang77
i only dont get charged when i use their ATMs, what other ATMs dont they charge? |
yeah true... i like that HSBC is all over the place, they were great when i was over in HK. at the ATMs, i got t he money at pretty much the exchange rate (about 1 USD = 7.79 HKD in early july). and i didn't get an ATM surcharge |
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| trunks1022 |
| i already paid off my mbna visa... i only keep it around cuz it's a platinum penn visa... otherwise the APR of 24% + no rewards = pointless |
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| Groundhog Boy |
| quote: | Originally posted by trunks1022
i already paid off my mbna visa... i only keep it around cuz it's a platinum penn visa... otherwise the APR of 24% + no rewards = pointless |
God, and i thought my increased rate was bad |
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| InterMilan31 |
| quote: | Originally posted by klingklang77
i only dont get charged when i use their ATMs, what other ATMs dont they charge? |
I know in England it works that way for me. I had an HSBC USA account lived in England for 7 months took out money there on HSBC, Barclays, RBS etc for no charge it said they would add fee but when you look at your statement no fee is added. I did all the math!(for once and i double checked and used a calculator cuz well u know im retarted)
In Italy, Switzerland, and Spain it has been the same for all their ATMs. |
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