Best options for "free" checking these days?

[jackangel]

This is probably hard, if not impossible to find these days, given the recent trend in retail banking, but are there still any options for checking that is actually (mostly) free? A local credit union perhaps?

Is it possible to find a bank that still doesn't charge for electronic transfers (interbank), or ordering checkbooks?

Thanks.

 

[redshirt27se]

i have free checking from TD bank. i think they are only east coast though, not sure.

 

[hurricane]

Bump

 

[samoth]

Pretty much every bank has free checking unless you're unemployed and don't get direct deposit.

Go to BAC.

 

[Arcon167]

Not bank of america.
straight carjack.

 

[puddlemonkey]

BoA sucks

 

[calveless wonder]

bank of your dirty mattress

 

[puddlemonkey]

bank of your dirty mattress

bank of motherfvcking fort knox

 

[kx250rider]

BoA sucks

Yes. This could be a thread of it's own.

To answer the OP, I'd go with a credit union. They still have free checking, as far as I know.

B of A has fees for everything, and even if you keep more than their min balance to get "free" accounts, they invent some other kind of fee to charge you. Latest one they did to me, was to "disconnect" two accounts from each other, so that the combined balances no longer counted to make the accounts free. They claim it was written in one of those microscopic-printed terms & conditions letters, but I never saw it.

Charles

 

[shirlene29]

credit union fo sure...we have two credit unions and one bank...the bank is usaa tho

 

[jackangel]

lol @ samoth

what's next? buy shares of BAC?

usaa is used primarily by military peeps, right. i came across that one last night.

this isn't for me, but for teh gahrl, who has a BoA account which is rather worthless without writing checks or transferring money.

 

[shirlene29]

yeah, usaa is used by primarily military peeps...I know it takes civilians and non prior service peeps but I don't know what the steps are

they have a cool bank at home feature where you can make deposits by scanning in checks and they have a rewards checking account and free atms anywhere on their end...and upto 15 bucks a month reimbursed for other banks atm fees reimbursed


I like them for everyday transactions, ground point for deposits, my local CU for..well its localness and navy federal credit union for its credit products

 

[SPEKTOR-AAA]

bank of motherfvcking fort knox





http://ftknoxtexas.com/images/open-gun-safe.jpg

haha.....lmao

Ive been at a credit union for years. Love it ive never paid a penny to them.

 

[samoth]

lol @ samoth

Um, what? I just got a free checking account with them less than a year ago. I've never in my life paid for checking, whether at a local S&L or buldge braket bank.

I've never paid a fee to a bank. Ever. You guys *do* know that if you write a check for $x, and your account has <$x, you get a charge, right? That isn't really a fee... it just means you're fucking stupid.

I have no idea what you guys are talking about here. You must all suck with money or at life or something. *shrug*

 

[mrplunkey]

Um, what? I just got a free checking account with them less than a year ago. I've never in my life paid for checking, whether at a local S&L or buldge braket bank.

I've never paid a fee to a bank. Ever. You guys *do* know that if you write a check for $x, and your account has <$x, you get a charge, right? That isn't really a fee... it just means you're fucking stupid.

I have no idea what you guys are talking about here. You must all suck with money or at life or something. *shrug*

Having to deal with payments in guitars and apricot seeds isn't as easy as you'd think.

 

[cindylou]

lol

 

[jiggagold]

lol

fuck you cindybooboo

 

[puddlemonkey]

fuck you cindybooboo

 

[miplank]

lol

 

[jiggagold]

my response to her in plat chat

 

[cindylou]

fuck you cindybooboo

lol

 

[musclemom]

ING does checking, too, it's called Electric Checking. Kind of a POA if you don't have direct deposit High Yield Checking Account from ING DIRECT USA

 

[cindylou]

lol...I don't have direct deposit but I've written auto deposit software....I chose it that way. I still like having a check and taking it to the bank....sorta like having a real book instead of an electronic one.

 

[shirlene29]

I cant stand anything paper related to the bank at all...
we save all our direct deposit stubs in folders in case someone needs proof of income
I save every cc agreement form, every statement from every financial institution etc etc too...I have mountains of paperwork thats just finances in one filing cabinet...I despise it

I used to only have the one bank until I figured out how wildly different they can be on credit products

upside to being paper hoarders was when we applied for the mortgage we had all the docs together in like ten minutes...including shit they didn't ask for but I knew they would at some point

 

[cindylou]

I used to do that shirlene..I had mountains of paperwork...I stopped saving that stuff and started shredding it. I still save check stubs but I don't even save bank statements I can get a copy of all of that stuff online if I wanted to.

I just stressed me out more to have all that paperwork lol

I'm not the most organized person so...lol

 

[shirlene29]

yeah...see I used to always trash shit until there was something on Gregs credit report that I knew was erroneous and huge! and I had no paperwork to back it up...took me like two months to run down paper on it

I finally killed it and got it gone..but it made me insane
now I hoard everything

 

[ceo]

What's the minimum you have to keep in an account now to get free checking? Like $10,000? $5,000? Anyway, just do that.

 

[nangiggles]

Wachovia/Wells Fargo still offers free checking no minimum nutin!

 

[samoth]

What's the minimum you have to keep in an account now to get free checking? Like $10,000? $5,000? Anyway, just do that.

$500

 

[puddlemonkey]

now I hoard everything

freak

 

[ceo]

$500

Shit is that all?

I wonder what the fuck type of account I have?

 

[ceo]

last I checked I'm not getting any gold bars and blow jobs.

 

[SpyWizard]

cash.. or credit union..

 

[redshirt27se]

Shit is that all?

I wonder what the fuck type of account I have?

i don't even need to keep a minimum balance for mine.