Hey ladies-
FI and I are looking into getting joint checking and savings account so we can deposit $$ for joint expenses and write checks for things- car payment and other things that come up.
I'm looking at Ally, but I don't know anyone who has used them. FI prefers that they have a physical bank branch but I have no problem with an internet-only bank (my savings account is fully online through American Express).
Does anyone have any suggestions? Positive or negative feedback?
TIA!
Re: Joint Checking?
[QUOTE]<strong>Viewpoint!</strong> When we joined they had a 3% interest payment on your checking account. It may be 2% now, but that's still 2% more than anywhere else. You also get to use all ATMs for free, and there's a few physical locations in the Dallas area. I highly recommend!
Posted by laurencste[/QUOTE]
This is who we use as well. My parents have banked there for decades. I set up an account as a child and have been with them ever since. Laurencste is talking about their Absolute Checking accounts. I signed up for one when it was at 4%, but she is correct that it's at 2% now, which is still a heck of a lot better than anywhere else. Here is the link: <a href="http://www.viewpointbank.com/home/personal/checking/absolutechecking" rel="nofollow">CLICKY</a>. I've always had great customer service and setting up accounts is a breeze. We can electronically transfer things between our accounts online as well which is awesome. Viewpoint is more in the northern part of the metroplex (Plano, especially) but there are a few branches and ATMs in the Dallas area but not sure about the FW area. Honestly, I rarely have a need to go in to the branch and I very rarely have a need to withdraw money from the ATM. Usually if I just need $40 or less I withdraw while I'm at Target/Walmart/etc and its free and convenient.
Everything on this checking account is essentially free. Free checks, no minimimum balance to earn interest, no monthly service charges, no ATM fees on Viewpoint's end, etc. Definitely check them out - they've always been great to us!
March 2012 Knotties Siggy Challenge - Favorite Engagement Picture
[QUOTE]I have had wellsfargo for 5 years now. FI has this too and our joint is also here. We love the fact that transferring money is really such a breeze. It is instant and easy to keep track of. We have never had an issue and customer service has always been great. We both travel often for our jobs (both domestic and foreign) and have never had issues using cards while travelling. I have had both chase and boa before and have had negative experiences with both banks. I still have a boa account but it's just for an "emergency" fund so my dad can deposit money in Abilene if anything were to ever happen.
Posted by aeliza06[/QUOTE]
We also both use Wells Fargo and love the easy transfers but FYI, I recently got a message from them stating that they will soon start charging for "some" types of transfers and "some" may also not be instant. That's about as specific as it got (as far as I remember) but I'm going to be really disappointed if that happens. It did state that you would be warned of the changes when completing a tranfer (once they are finalized).
Another thing that annoyed me about them was that when I first signed up both FI and I were supposed to get a kickback for his "referral" and never did. I think it was only $25 or $50 a piece, so I never bothered calling about it but it just bothered me that they wouldn't follow through on their incentive to sign up.
We've never had any big issues with them though. :)