Chicas my FH and I will be opening a Savings Joint account because we want to save for our house... As of now, we both have Bank of America...
We are unsure if we should open the joint Account with bank of America or if we should Switch...
What u think? So far we dont have any problems with Bank Of America... Everything is Great with them... But FH was saying that perhaps 'other banks'(City bank, Chase, etc) could be a better options...
Any thoughts?
Gracias!
ness83
Posted:
Member since
-
allornil
Posted:
Member since
Re: Bank Account....???
Posted by ness83
I have Chase and we also have a joint chase account but his personal account is with Citi. We haven't had any problems. I think if BOA has been working for you guys so far just stick with them.
agreed.
does BOA have online options where you can transfer $ to the savings any time you want? can they set it up to take a certain mount out of your checking every week or month? That's an easy way to saving/.
Are there any monthly fees on a savings?
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by ness83
I have Chase and we also have a joint chase account but his personal account is with Citi. We haven't had any problems. I think if BOA has been working for you guys so far just stick with them.
Oooohh OK =) Just checking... Everything is great with BOA... But just looking out for more options if anything...
Moonmist09
Posted:
Member since
Re: Bank Account....???
i would see which bank will give me the largest interest rate % and i would open the account with them. at the time that me and FH opened our joint savings account Capital One had the highest interest rate
mybabylovesmoi
Posted:
Member since
Re: Bank Account....???
Posted by allornil
does BOA have online options where you can transfer $ to the savings any time you want? can they set it up to take a certain mount out of your checking every week or month? That's an easy way to saving/.
Are there any monthly fees on a savings?
FH and I have joint checking and savings with BOA and it's been really convenient because our keep the change from checking goes straight into our joint savings.
You can also have an amount automatically go into your savings whenever you want.
I find it really convenient to be able to move things around whenever neccesary but I know you can get a higher interest rate with online banks.
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by allornil agreed.
does BOA have online options where you can transfer $ to the savings any time you want? can they set it up to take a certain mount out of your checking every week or month? That's an easy way to saving/.
Are there any monthly fees on a savings?
We have a Separate Savigns accout but we want to open a Join Account.... We do have autotransfer....
No monthly Fees at least on the ONES we have right now...
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by mybabylovesmoi
Posted by allornil
does BOA have online options where you can transfer $ to the savings any time you want? can they set it up to take a certain mount out of your checking every week or month? That's an easy way to saving/.
Are there any monthly fees on a savings?
FH and I have joint checking and savings with BOA and it's been really convenient because our keep the change from checking goes straight into our joint savings.
You can also have an amount automatically go into your savings whenever you want.
I find it really convenient to be able to move things around whenever neccesary but I know you can get a higher interest rate with online banks.
we have this 'Keep the Change' with our Savings account! I love it!!!
FutureJOC
Posted:
Member since
Re: Bank Account....???
We have a joint account at Citibank and I also have my personal account there. Fh has one at TD Bank but I he never uses it (I don't even think there is anything in that one).
For the wedding and house saving fund, we have an account on IngDirect.com.
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by FutureJOC
We have a joint account at Citibank and I also have my personal account there. Fh has one at TD Bank but I he never uses it (I don't even think there is anything in that one).
For the wedding and house saving fund, we have an account on IngDirect.com.
IngDirect.com
Never heard of it? Is there a Bank location or is just Online? Is it SAFE??
ness83
Posted:
Member since
-
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by ness83
I have an INGDirect account too! I tried getting FH to use it as our joint but it was just easier to get Chase at the time.
V - ing is safe and pretty good, usually has a higher interest rate than other banks. You can only access it online but you can link it to your savings account in BOA.
But How do u take money Out if it is only ONLINE???
{{{ Im sorry im dumb wiht this things chicas... }}}
Bee12
Posted:
Member since
Re: Bank Account....???
Posted by ness83
I have an INGDirect account too! I tried getting FH to use it as our joint but it was just easier to get Chase at the time.
V - ing is safe and pretty good, usually has a higher interest rate than other banks. You can only access it online but you can link it to your savings account in BOA.
i love it online.. because im not tempted to withdrawal as frequent since it takes forever
FutureJOC
Posted:
Member since
Re: Bank Account....???
Posted by VCanizalez
Posted by ness83
I have an INGDirect account too! I tried getting FH to use it as our joint but it was just easier to get Chase at the time.
V - ing is safe and pretty good, usually has a higher interest rate than other banks. You can only access it online but you can link it to your savings account in BOA.
But How do u take money Out if it is only ONLINE???
{{{ Im sorry im dumb wiht this things chicas... }}}
Like Ness said, it's completely safe. What you would have to do when opening the account is link the account with your bank's checking account. When you want to transfer money from your checking to your ING Direct account, all you would do is sign onto INGdirect.com, go to the Transfer Funds tab and then indicated where you want the money taken out of and which account you like to have it deposited. And it would be vice versa for when you wanted to take money out of ING and put it back in your savings account.
One thing to keep in mind though is when you transfer the money from ING to your bank, it may take a few days for it to be available in your bank account so if you are making a payment to a vendor or something, make sure you initiate the transfer like 3-4 days ahead of time so it will be available when you need it.
I recommend opening an 'Orange Savings Account' which is in the first section, first link. It will walk you through the steps on how to open the account from there.
MrandMrsP
Posted:
Member since
Re: Bank Account....???
We went with Capital one and opened a joint checking and savings account
They had no fees and no minimum amount in their accounts
I recommend opening an 'Orange Savings Account' which is in the first section, first link. It will walk you through the steps on how to open the account from there.
THANKS! I will show it to FH and check it out with him! No fees right? =)
VCanizalez
Posted:
Member since
Re: Bank Account....???
Posted by MrandMrsP
We went with Capital one and opened a joint checking and savings account
They had no fees and no minimum amount in their accounts
Ahh I love the 'No minimun amount' =) Thanks!
harts2976
Posted:
Member since
Re: Bank Account....???
Posted by VCanizalez
Posted by ness83
I have Chase and we also have a joint chase account but his personal account is with Citi. We haven't had any problems. I think if BOA has been working for you guys so far just stick with them.
Oooohh OK =) Just checking... Everything is great with BOA... But just looking out for more options if anything... [/QUOTE
BOA is great. I have an account there and we have a joint checking /savings. it is so easy to transfer between accounts! I do it on my phone!
NellieBellie32
Posted:
Member since
Re: Bank Account....???
i wouldn't suggest chase just becuase u barely get any interest.....me and fh just switched our joint savings from chase to citizens bank.......
I also have the rest of my money in citibank
.....if ur happy w/ ur bank i would just stick w/ it
