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Old 07-22-2016, 08:25 AM   #1
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Online Banking

Who do you like for online banking? These were a couple that were mentioned as being decent.

https://www.gsbank.com/en.html

https://home.capitalone360.com/
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Old 07-22-2016, 08:39 AM   #2
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I'm happy with Discover Bank.
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Old 07-22-2016, 09:41 AM   #3
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We've been using Capital One (since it was ING). Even after the transition it's been good. No problems. Decent interest rate. Easy to transfer money in and out of.
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Old 07-22-2016, 11:37 AM   #4
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I've been using a credit union located where I used to live, and a local bank. The credit union account has been active for 30+ years and I haven't been there for at least 15 years. The local bank checking account we opened simply because they have ATMs all over the place and a reasonable fee structure.
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Old 07-22-2016, 11:49 AM   #5
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I'm similar to mpierce, online account with Capital One since it was ING.


I hold most of my emergency savings in this account and the Bill Pay options work great, from direct payments, email money to an individual and sending paper checks. All at no cost.


Over the years, I've held their CD's also, but the savings rate is equal or better than the short term CD, so I haven't purchased any in a while. I don't use their investment tools though, just banking.


Capital One is also linked to my investment accounts and dividends are direct deposited.
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Old 07-22-2016, 12:56 PM   #6
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Thanks everyone for your replies.
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Old 07-22-2016, 01:03 PM   #7
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What do you guys think of Ally?
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Old 07-22-2016, 01:50 PM   #8
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What do you guys think of Ally?

I'm happy with them. I initially signed up for a savings account with them, since they had the best interest rate (still only a pitiful 1%).

I recently signed up for a checking account because BofA was going to start charging me $25 per month for a checking account. That's been painless, and they'll reimburse $10 per month for ATM fees from other banks, so I can still use the BofA branch near my house to get cash if needed. The only annoyance with Ally checking is that when you request a check refill (which is free), they send a single book of checks, rather than the 100 we'd get from BofA. We've renewed online several times, and they come quickly, so it hasn't been a problem.
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Old 07-22-2016, 02:19 PM   #9
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Ally is very good. Definitely would recommend to anyone looking for an online bank.
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Old 07-22-2016, 02:29 PM   #10
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Ally is very good. Definitely would recommend to anyone looking for an online bank.
I concur and have used them for years now.
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Old 07-22-2016, 03:50 PM   #11
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+1 for Ally. We park some cash in their online savings at 1%. Nary a problem.

Most of our actual "online banking" utilizes a Cash Management Account (CMA) at Fidelity. We also park $1500 (to avoid fees) in a Wells Fargo checking account for that rare occasion when we need some type of brick-and-mortar service that Fidelity does not offer.
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Old 07-22-2016, 03:59 PM   #12
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I concur and have used them for years now.
+1 for Ally - their customer service is far above average, especially on the phone (short wait, competent people).
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Old 07-22-2016, 04:17 PM   #13
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I currently have gsbank (formerly GE Retail bank). It is ok. Their online transfers take a bit longer than I would like but the real drawback for me is not having any IRA options. For that reason I'll probably switch to Ally.


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Old 07-22-2016, 04:39 PM   #14
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I do it all through Fidelity. Checking, credit card, investments, all of it. I really like having it all in one place. It makes it so easy. They also make it easy to have in one place. No ATM fees, free checks, etc.
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Old 07-22-2016, 04:44 PM   #15
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I do it all through Fidelity. Checking, credit card, investments, all of it. I really like having it all in one place. It makes it so easy. They also make it easy to have in one place. No ATM fees, free checks, etc.
I agree and we do the same. But any cash not needed for the next 30 days or so is held at Ally earning 1%. Fidelity has no similar offering that I'm aware of.
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Old 07-22-2016, 05:17 PM   #16
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By now I have online high yield savings accounts at American Express Bank, Ally Bank, and Synchrony Bank. Synchrony is paying 1.05%. I also have some CDs at Synchrony.

They all work well so far.
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Old 07-22-2016, 05:23 PM   #17
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For those of you that only use online banking what do you do when you need a notary or a medallion signature guarantee?
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Old 07-22-2016, 05:38 PM   #18
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We are with USAA ago all is online. However, I recently opened a checking account with a local bank at the grocery store I frequent with around $1,000. Mainly to deposit stashes of coins to the account without the 10% fee and exchange Canadian and Mexican money for American when I return.


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Old 07-22-2016, 05:40 PM   #19
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For those of you that only use online banking what do you do when you need a notary or a medallion signature guarantee?

UPS generally has notary service. Haven't needed a medallion guarantee since I liquidated a mutual fund in 1979!

I have USAA; at one time they allowed people with no military connection to get checking accounts. They may have stopped since. I'm very happy with them.
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Old 07-23-2016, 05:35 AM   #20
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For those of you that only use online banking what do you do when you need a notary or a medallion signature guarantee?
Notary: My insurance agent's office, county administration office, local AAA office with membership, UPS store. TD Bank offers free notary service to anyone.

Medallion: Local Fidelity office with account.
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