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#SunDevilsFan - Says,

Not trying to promote one brick and morter bank to another. Or, Internet Bank to another....

But I was wondering if any of you utilize such banks where you receive at or above 4% in your savings accounts??

I was tired of getting basically nothing from the traditional bank that I researched a little on the net and found several sites/places on the net (I WAS ONLY INTERESTED IN FDIC BANKS)... and I began to try them out.

What about you??? Just curious if any of you ever explored what the other alternatives are...

#UVACavFAN - Says,

ING direct i believe has a good intrest rate also a buddy of mine was telling me about Delta Bank was a good one.. they are both online and i'm not sure about the FDIC
#SunDevilsFan - Says,

To be honest with you, I have very little use for or interest in the Big Hitters... Bank of America, WAMU, CHASE, you name it...

I do have one checking account with BOA (free usage of course)... I only use that to deposit checks into and transfer to my internet banks... where I get a better deal interest wise.....

I have been using ING for a couple of months and everything seems to be okie dokie...

As long as I can get a better return from the net banks, I will never use the tradional brick and morter ones again...

Just think of it this way... the tradional banks didnt build those fancy buildings just because they have pretty smiles on their faces!!! They did it by charging outlandish fees.....

The net banks don't have that problem.....

Anyway, whatever you do, make SURE its FDIC......

#debtstinker - Says,

wow that's an interesting perspective, never thought of it that way. I have heard of ING but never looked into using it. sounds like you have to be a corporate ceo to use that. i don't know why i thought that, maybe cause of their commercials. BOA treats you well too? thanks for the leads, I'll look into them. How do I make sure it's FDIC insured? go to the FDIC website. I may answer my own question here in a little Smile thanks again!
#SunDevilsFan - Says,

well, their site did say they are FDIC.... as for looking up on the FDIC website (or something similiar) I have never thought about it... You gave me something to think about, debtstinker!!! I feel confident that ING is FDIC.. They have been around for a while...

Right now my primary, functional bank accounts...3 checking and 2 savings are with USAA... all of which charge me ZILCH for any sort of fees EXCEPT if I have overdrafts... Which I havent...

I read last night about some decent interest rate checking accounts and savings...better than I am getting at USAA... and they are also internet banking...and FDIC... I am going to check it out....

#goodnatured - Says,

Wow, I would be nuts with more than one checking account. I have a small savings. The two accounts are at two different institutions. I use our credit union at work for savings, but never have much in it.
#Laura - Says,

Thats great Sun. Do tell us as well...would like to know about these. Its good that they are FDIC. I dont know about Delta Bank as well. Any light upon the matter?
#debtstinker - Says,

Hi Sun, thanks so much for looking into all that for us. I would love to have a savings account with a reputable institution and a place that offers the best interest rate. USAA sounds great, i'll look into them as well. keep in touch!
#goodnatured - Says,

is there a referral link that you could pm us, do you get any kind of credit for referring people. My bank give you and the new customer a gift. You may want to check that out, just incase there is some perk that you may get if someone here decided to go with an account with an institution that you are currently involved with, just a thought.
#Guest - Says,

that'sa an interesting thought too! yeah if you get some kind of credit or anything for referral why not use it on us? i guess you'll have to pm us the information on that though. we have something similar as well though i didn't get anything when i referred my sister Sad big boo, oh well!
#SunDevilsFan - Says,

Well... I dont receive perks or kick backs for any banks... Don't have a referral.


However, the perk I do receive is that I get a better return on my money with the internet banks than I do the traditional ones. So, I would rather receive 3-5 percent more return on my money than a toaster or any of the other perks that maybe out there...

Just wanted to throw the subject out in case others didnt know about it... So, basically for this household, the traditional brick and mortar are of the past ...

#debtstinker - Says,

Sun, I think you're not the only ones leaving traditional banks behind. i researched ING some and they are credited with intitiating online savings with all the benefits surrounding their accounts. now other biggies like capital one and such are imitating them. doing some research they are all very competitive though all have terms and conditions that you have to read carefully before deciding which institution to trust your money with! the suggestions you gave are great!
#SunDevilsFan - Says,

your are so right debtstinker.... everyone needs to read the fineprint.. Don't just jump into something with a nice return. Some of these net banks may have stipulations that others maynot. Each bank is different. In my case, I look for banks that best fits my needs (easy access and easy bill pay) along with the better interest rate...

Most importantly, it must be FDIC...

#debtstinker - Says,

Sun, i noticed with ING you have to be connected with a checking account. we only have one and i'm very leary allowing that information over the net as that's our only income right now and one swipe could wipe us out. would you recommend opening another checking just for ING or do you trust the transaction with your main checking account? you may have answered this some before and if so i apologize. i'm just skeptical not of ING, but of computer savvy folks out there. ING would be a prime target as other biggies out there. paranoid, maybe but i've seen people who have had issues with hackers and it takes a long time and resources to fix.
#SunDevilsFan - Says,

you could always open another account with the bank just for internet transefers.... Thats what I did....
#Laura - Says,

Thats a good proposition. Thanks Sun Smile
#diem - Says,

Evidently, ING Direct performs periodic account reviews and will close accounts from customers who may abuse their overdraft protection based on credit reports. Nick admitted he had been “living in” the $1,000 overdraft protection (more like a cash advance). That could have triggered the account review.

Be careful with ing. They went on a rampage closing TONS of accounts of unwitting customers, causing many others to pull their money. The decision was not approved by the appropriate people however, and they tried to salvage what they could.

#goodnatured - Says,

They will definately close it for constantly using the overdraft on it, they would probably think that you would end up not paying it at some point.
#SunDevilsFan - Says,

Fortunatley I have yet to had any problems with ING. Thank God. With the recent banking issues going on that is.

I just keep my emergency money in there. Stashing couple of bucks here and there in it.

I also have a couple of other savings accounts there just to save some money, or put some back, for expected expenses. Such as, car insurance, income taxes, and travel expenses. And, yes, my 3-6 months of expense fund is in there too.

The primary reason I opened accounts there was basically for the higher returns I would receive compared to the tradional bank. I still utilize the traditional bank on a daily basis to receive my paycheck and to pay bills..

I would be interested to hear from those that have had their accounts closed by ING (or, any other on-line bank for that matter). I would like to hear what the reasons were and what you did as a result of them closing the accounts..

#fireyone - Says,

Sun it is always good to be informed. I like your idea of saving. Sounds like you got a pretty good plan there. It is amazing how $10 here and there can start adding up.
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