Free Checking accounts

Spike88 · 07-18-09, 02:20 AM

Anyone know of any good free checking acounts? I have/had WAMU, but I'm not too fond of Chase.

My account, which is a wamu free checking, will transfer to a chase free checking account. But if I don't spend so much in debit purchases or have direct desposit in 6 months, they start charging. Which basically translates to them charging me for holding my money.
Plus with WAMU, I would get an overdraft waiver every year they'd accumulate. Not that I ever overdraft, but it was still a good thing to have, with Chase you get one every year, but you can only have a total of 1.

The main reason I have a bank account is for buying stuff over the internet. I'd charge it to my debit/credit card and then go put the money in my bank account. With Chase I have to have the money in my account before I can use my Debit/Credit card.

I'm also currently unemployed, any money I make from odd jobs is under the table and I just prefer keeping the cash on hand, although once I get a job I'll probably get direct deposit.

donut · 07-18-09, 03:37 AM

Trust is of God,banks exist on greed, satins business. Fees ! Beam me up soon.

mookiemookie · 07-18-09, 07:45 AM

Go with a credit union!

http://consumerist.com/142989/are-cr...ter-than-banks

Platapus · 07-18-09, 11:41 AM

Credit unions are great. If there is a PNC bank in your area, check them out.

Interest bearing checking accounts with a minimum balance.
Free checking accounts with no minimum
No ATM fees from any PNC bank
Any ATN fee that you maybe charged by another ATM is refunded to your account!

I really like that last part.

But, I can also highly recommend a reputable credit union, especially if you are just starting out.

PeriscopeDepth · 07-18-09, 12:08 PM

Yes, you'd be insane not to go to a credit union nowadays.

PD

Sailor Steve · 07-18-09, 12:15 PM

I'm with a local Credit Union, and everything is free. Well, I have to pay for almost any ATM use, but I find it more convenient to go into a grocery store, but a soda, and get cash back. Everything else is just peachy, and I'll never go back to my old bank.

07-18-09, 02:20 AM	#1
Spike88 Ocean Warrior Join Date: Jan 2008 Location: Miami, FL Posts: 3,052 Downloads: 36 Uploads: 0	Free Checking accounts Anyone know of any good free checking acounts? I have/had WAMU, but I'm not too fond of Chase. My account, which is a wamu free checking, will transfer to a chase free checking account. But if I don't spend so much in debit purchases or have direct desposit in 6 months, they start charging. Which basically translates to them charging me for holding my money. Plus with WAMU, I would get an overdraft waiver every year they'd accumulate. Not that I ever overdraft, but it was still a good thing to have, with Chase you get one every year, but you can only have a total of 1. The main reason I have a bank account is for buying stuff over the internet. I'd charge it to my debit/credit card and then go put the money in my bank account. With Chase I have to have the money in my account before I can use my Debit/Credit card. I'm also currently unemployed, any money I make from odd jobs is under the table and I just prefer keeping the cash on hand, although once I get a job I'll probably get direct deposit. __________________

07-18-09, 03:37 AM	#2
donut The Old Man Join Date: Apr 2004 Location: The Shifting, Whispering Sands, NM Posts: 1,463 Downloads: 10 Uploads: 0	In GOD we trust,All others pay cash ! Trust is of God,banks exist on greed, satins business. Fees ! Beam me up soon.

07-18-09, 07:45 AM	#3
mookiemookie Navy Seal Join Date: Nov 2005 Location: Houston, TX Posts: 9,404 Downloads: 105 Uploads: 1	Go with a credit union! http://consumerist.com/142989/are-cr...ter-than-banks __________________ They don’t think it be like it is, but it do. Want more U-boat Kaleun portraits for your SH3 Commander Profiles? Download the SH3 Commander Portrait Pack here.

07-18-09, 11:41 AM	#4
Platapus Fleet Admiral Join Date: Oct 2006 Posts: 19,365 Downloads: 63 Uploads: 0	Credit unions are great. If there is a PNC bank in your area, check them out. Interest bearing checking accounts with a minimum balance. Free checking accounts with no minimum No ATM fees from any PNC bank Any ATN fee that you maybe charged by another ATM is refunded to your account! I really like that last part. But, I can also highly recommend a reputable credit union, especially if you are just starting out. __________________ abusus non tollit usum - A right should NOT be withheld from people on the basis that some tend to abuse that right.

07-18-09, 12:15 PM	#6
Sailor Steve Eternal Patrol Join Date: Nov 2002 Location: High in the mountains of Utah Posts: 50,369 Downloads: 745 Uploads: 249	I'm with a local Credit Union, and everything is free. Well, I have to pay for almost any ATM use, but I find it more convenient to go into a grocery store, but a soda, and get cash back. Everything else is just peachy, and I'll never go back to my old bank. __________________ “Never do anything you can't take back.” —Rocky Russo

07-18-09, 12:08 PM	#5
PeriscopeDepth Sea Lord Join Date: Jul 2002 Location: Pacific NW Posts: 1,894 Downloads: 6 Uploads: 0	Yes, you'd be insane not to go to a credit union nowadays. PD