Well, I was missing two of the three of those things on the boat, so not always an option.
So the only bitch about your bank is that you can't put your money in said bank? Sounds great! Sign me up!
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Good bank while in Service
- Thread starter Riper Snifle
- Start date
Well, I was missing two of the three of those things on the boat, so not always an option.
So the only bitch about your bank is that you can't put your money in said bank? Sounds great! Sign me up!
Who really deals in cash anymore on a large basis? and how often do you have a check to worry about that cant wait to either be scanned or mailed in (4 days at msot turn around). The only checks I ever write are on the baot to disbursing to get cash for libo, other than that it is ATMs as needed.
Riper Snifle
OCC 194 TBS C 03-07
WOW. Thank you for all the responses on this subject, they are giving me a lot of insight. Quick question- which bank is USAA?? I just want to make sure I don't confuse it as that one seems to be the most popular. 
WOW. Thank you for all the responses on this subject, they are giving me a lot of insight. Quick question- which bank is USAA?? I just want to make sure I don't confuse it as that one seems to be the most popular.
USAA.com. Made for the military folk (and those of us who are still nobodys
). Great bank.
One more vote for USAA - I do everything with them and they are one of the most sound, customer focused financial services company that I have dealt with.. good people, great service and products. The banking is especially nice and the refund of ATM fees is a breeze!
If it's anything like the Capital One account I have, it's just a savings account on steroids that earns ~5% instead of the .5-1% that your average checking account earns. You can easily transfer back an forth between these accounts and your normal bank and it just lets your idle cash make a better return. There's no minimum required and no fees of any kind.
Brett
Amazingly.
You setup your checking account so that you can transfer money back and forth. Then as you want either transfer money to, of from the ING direct account on their website. When it is in the ING savings account it automatically collects like 4.5% interest. You also have the option for 5.1% 12 month CDs, and other investments.
Throw my hat into the ring for USAA too. Have done all of my banking and insurance with them since commissioning. Never had a problem with all the numerous moves I've made all over the country in the past 4yrs, and their food spoilage coverage was great during the numerous hurricanes while in pensacola. Never had a problem with their website, and all of the web billpay stuff I do with them has always worked flawlessly. I've never found myself handicapped by the fact that I can't deposit cash. My dad works in the insurance industry and has always advised me to stick with USAA, apparently their insurance rates are the envy of the industry. When I got married, my wife was flabergasted at how quickly and easily she could get an account and how little of a problem anything was with them, from setting up automatic withdraws, internet bill pay, to car insurance.
I presume these accounts are not FDIC insured? What about the variability in the interest rates? And a very basic question, how do they make that kind of interest?
As for USAA, I have to give them credit as well. When my wife moved here from Canada her good credit did not follow her, it does not transfer. She ried to get a credit card through BofA but they were goign to require her to back the whole credit amount with cash in the bank, even when I was willing to co-sign for her. USAA had no problems with giving her a credit card with a modest limit. As for BofA, they have really cool ATM's.....but they are always broken......
Also, Pentagon FCU has pretty good loan rates for those in the DC area. I got a 1.9% car loan through them on a special deal, not too shabby.
You would presume wrong - it's a regular savings account with all the federally mandated backing by FDIC. Like anything else, the rate is based off of prime, but in the time I've had mine, it has only gone up.
Brett
Read a little bit more at Consumer Reports and Bankrate.com and you are right. It looks like HSBC and ING are pretty good options, Capitol One just annoys me by sending me credit card offers every other day.....not in my wallet.....
