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Old 06-25-2022, 06:25 AM  
HemiEd HemiEd is offline
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Banks
In gathering information about interest rate returns on savings I have stumbled onto a whole new concept to me.

Totally online banking? I have never heard of most of these outfits even though they say FDIC insured. Bask Bank? CIBC? LENDING Club?

https://www.bankrate.com/landing/sav...xoCsWMQAvD_BwE

Any of you have any experience with this? Our local banks are still not paying any interest on savings even though I am sure they have raised their interest rates on loans.
I still favor writing checks and putting them in the mail, but the Mrs. does everything on line, kinda scary to me.
My daughter pays everything with her phone, even more scarrier.
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Old 06-25-2022, 06:34 AM   #2
BWillie BWillie is offline
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I pay for everything in cash. Which is even scarier apparently to many businesses.
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Old 06-25-2022, 06:44 AM   #3
tmax63 tmax63 is offline
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Join Date: Apr 2007
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I use online banking through my local bank for everything except income taxes and things I want paper proof of the transaction. Best of both worlds. So I write about 2-3 checks per year. I've never had a problem, just got to be careful if you set up many autopay bills.
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Old 06-25-2022, 06:46 AM   #4
Jewish Rabbi Jewish Rabbi is offline
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Join Date: Jun 2008
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The majority of my cash is in Ally, online only. Pays way better than any brick and mortar bank.

However, you can’t really get away with only having an online bank. I basically use Ally for savings and paycheck get deposited and bills paid thru US Bank account. I can get money transferred from one to the other in one business day if needed.
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Old 06-25-2022, 07:02 AM   #5
Garcia Bronco Garcia Bronco is offline
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Completely online banks are typically industrial loan charter banks. There aren't that many at this time and typically they're based out of Utah and like two or three other states. They have a de novo period once the charter issued. They are subject to FFIEC, audits and totally legitimate.
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Old 06-25-2022, 07:18 AM   #6
Zebedee DuBois Zebedee DuBois is offline
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I've been using Ally online for a couple of years. It does all my bank needs (which are few). I get a good rate on Savings, better than the Credit Union I left - though it did drop during the past years - but it is rising again the last couple months.

I direct deposit there and pay bills online from there. No problems

The only drawback so far, is when I decided to cash in my coin jugs and the local banks declined unless I had an account. I finally found a small bank that did it.
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Old 06-25-2022, 07:22 AM   #7
lewdog lewdog is offline
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Old 06-25-2022, 07:30 AM   #8
Jewish Rabbi Jewish Rabbi is offline
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Originally Posted by lewdog View Post
I keep all my assets under my mattress or buried in the ground.
I keep at least 5 racks kiestered at all times just to be safe
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Old 06-25-2022, 07:43 AM   #9
BigRedChief BigRedChief is offline
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Quote:
Originally Posted by tmax63 View Post
I use online banking through my local bank for everything except income taxes and things I want paper proof of the transaction. Best of both worlds. So I write about 2-3 checks per year. I've never had a problem, just got to be careful if you set up many autopay bills.
I've been using online banking for around 20+ years. Use Quicken to pay bills.

Write checks maybe once a year. Usually to a contractor doing work on the house that chose that option. I always like to give then a choice to report the income to the man or not.

Do Taxes myself with tax software. Proof is the IRS received receipts. Keep majority of cash in money markets. Have savings in a couple of banks and transfer money as needed.
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Old 06-25-2022, 07:46 AM   #10
BWillie BWillie is offline
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What is the highest yielding savings and or checking account right now? Online or brick and mortat I dont care.
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Old 06-25-2022, 07:55 AM   #11
New World Order New World Order is offline
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Originally Posted by Jewish Rabbi View Post
The majority of my cash is in Ally, online only. Pays way better than any brick and mortar bank.

However, you can’t really get away with only having an online bank. I basically use Ally for savings and paycheck get deposited and bills paid thru US Bank account. I can get money transferred from one to the other in one business day if needed.
Same!

Ally is good peoples. The anti-Ubeja if you will
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Old 06-25-2022, 08:05 AM   #12
scho63 scho63 is offline
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I've written only 2 checks since 2006. One for a wedding gift since I mailed it when I couldn't attend and another when I wanted to pay with a money order and they wouldn't accept that form of payment.

Savings accounts are a waste.

Set up a money market account at a brokerage to keep your spare cash, which should not be excessive

If you have a large amount of cash, you're losing out. (Unless your hiding it from Uncle Sam)
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Old 06-25-2022, 08:22 AM   #13
loochy loochy is offline
Hey Loochy, I'm hooome!
 
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Savings accounts are the #1 way to get your ass ripped by inflation
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Old 06-25-2022, 10:00 AM   #14
Buehler445 Buehler445 is offline
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Savings accounts are the #1 way to get your ass ripped by inflation
I think that narrative is under pressure since the stock market is achieving GIANT negative returns.
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Old 06-25-2022, 10:26 AM   #15
Bearcat Bearcat is offline
Would an idiot do that?
 
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Quote:
Originally Posted by tmax63 View Post
I use online banking through my local bank for everything except income taxes and things I want paper proof of the transaction. Best of both worlds. So I write about 2-3 checks per year. I've never had a problem, just got to be careful if you set up many autopay bills.
Quote:
Originally Posted by BigRedChief View Post
I've been using online banking for around 20+ years. Use Quicken to pay bills.

Write checks maybe once a year. Usually to a contractor doing work on the house that chose that option. I always like to give then a choice to report the income to the man or not.

Do Taxes myself with tax software. Proof is the IRS received receipts. Keep majority of cash in money markets. Have savings in a couple of banks and transfer money as needed.
FWIW, that's not exactly the same if you can also go down the street to the bank. These are 100% online, no physical locations.
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