Who do you bank with?

[winb83]

For most of my life my primary bank was Chase (or Bank One). Recently I was looking at my savings and checking and wondering what I could do to earn a bit more on it. I have an investment account with SoFi so I decided to give their cash management account a try.

It's very nice. Quick turnaround on everything and also it feels so good to pull up to whatever the hell ATM I want and withdraw cash and have whatever ATM fee they hit me with be credited back to me.

I still keep the Chase checking account as a mule account to move physical money into the SoFi account. I use the Chase to pay my rent out of because if I don't put $500 a month into it I'll be changed for it. I was getting damn near 1% interest on the SoFi but the Fed cut rates so far back it's 0.20% now but I still use it as my primary bank account.

The only drawback is you can't put physical money into the SoFi. Has to be an ACH transfer or direct deposit.

 

[acri1]

I've just been using my college's credit union since I opened the account back in the day.

 

[winb83]

Other bank accounts I have:

Discover Savings. Mad slow on any transactions. Money sits for days to damn near a week. They do have a 1.50% APR on interest still but I suspect that will change any day.

Betterment Cash Reserve. This isn't technically a real bank account. It has a 0.30% APR but there is no routing number. You have to link an account on their end and do ACH transfers into and out of it from Betterment.

My local credit union. I just use this to pay my car note. Pulls direct from their checking. They don't have enough branches for my taste so I kept the Chase account as well.

 

[Noriega]

Been with chase since I was 15

never had an issue with em plus they everywhere

 

[winb83]

Been with chase since I was 15

never had an issue with em plus they everywhere

For the sole reason of being able to get ATM fee reimbursement from any ATM I would consider adding an online cash management account. Also having a checking account that pays any interest at all is worth having. I used to have having to drive to a Chase ATM to avoid that fee.

There are other ones but to me SoFi is the best because you get that Mastercard debit card and no ATM fees anywhere. Wealthfront and Betterment have slightly higher APYs but not the ATM cards yet or if they do then they aren't widely available.

 

[BaldingSoHard]

Chase.

 

[JordanwiththeWiz]

USAA
Navy Federal
Fort Bragg Credit Union

 

[LezJepzin]

Golden 1 Credit Union

 

[MajesticLion]

 

[Raiders]

Westpac
Bank of America
USAA
Barclays
Technology credit union, will probably switch to Navy Fed soon

 

[Silkk]

Chase
Capital One
Ally
Prosperity

 

[Knowledge]

One united

 

[shopthatwrecks]

harborstone credit in tacoma wa

texas federal in dallas(desoto)

 

[mannyrs13]

BOA for checking
Ally for major savings
Simple for backup savings

 

[hayesc0]

bank of america which sucks, capital one, and discover.