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Go Back   SailNet Community > Out There > Cruising & Liveaboard Forum > banking choices
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Topic Review (Newest First)
11-11-2009 08:30 AM
osirissail It seems all banks from the super largest ones to the little ones and every size in between are having problems as almost 200 have gone out of business in this year of financial meltdown. So keeping track of things going on with your favorite is important.
E-Trade Bank Going Bankrupt?
11-11-2009 12:51 AM
Architeuthis Yeah it depends on what is important to you. If you have ever had any security issues then you will like RBC and VISA. Someone stole my CC number and all I got was a call to confirm and new cards sent to address of my choice. I also have accounts and CC cards in the two countries I sail so have a choice. I also get to play the money markets when I transfer money. So far that has worked for us.

Maybe the answer is diversification, more than one account with more than one bank.
11-11-2009 12:37 AM
RainDog After years of disgust with banks, I finally found a bank I really like: etrade bank. No fees of any kind, unlimited ATM refunds, on-line banking, good customer service, they never shut down your account for "fraud prevention" when you are shopping overseas, they pay interest on all your accounts, they offer pretty much any service you could ever want, and they have exceptional on-line tools. The only caveat is you need to keep $1000 combined in all of your accounts. If you can do that, they are ideal.
11-10-2009 11:52 PM
osirissail
Quote:
Originally Posted by xort View Post
Honorably discharged after 4 years. Does that count?
Yes, if you were honorably discharged. Check out the qualifications page at:
https://www.usaa.com/inet/ent_utils/...s_usaa_for_you
11-06-2009 11:37 AM
alwheeler98
Quote:
Originally Posted by danjarch View Post
Xort, If your military or exmilitary then check out USAA, They're based in Texas and have a great online banking setup. Including being able to scan in deposits and covering most fees since their main focus is online rather then phisical branches. The only trouble is that you have to military or family of military who have an account with them. They also have really good auto insurance but not boat insurance. They go through progressive for that.
Another vote for USAA.

If you have an IPhone, they have a great app. You can even use the phone to make deposits.

I've worked for 5 different banks on the retail side, and I think USAA is heads above any one I've worked for as far as an online presence.
11-06-2009 11:09 AM
Selkie60
Quote:
Originally Posted by danjarch View Post
Xort, If your military or exmilitary then check out USAA, They're based in Texas and have a great online banking setup. Including being able to scan in deposits and covering most fees since their main focus is online rather then phisical branches. The only trouble is that you have to military or family of military who have an account with them. They also have really good auto insurance but not boat insurance. They go through progressive for that.
I just received notice from USAA indicating they are expanding their eligibility requirements: "USAA membership is now open to anyone who has honorably served in the U.S. military." So if you didn't qualify in the past, you may now.

Also, the Navy Federal Credit Union (navyfcu.org) is another low-cost nationwide banking option to consider if you qualify.
09-27-2009 04:51 PM
Ragdoll2
Banking choices

Hey Xort,

I have to post a few more postings so I can reply to your email.
So here is one.

Ragdoll2
09-27-2009 03:55 PM
PBzeer I use the local bank I had before retiring. (Doesn't hurt that I know the head of customer service!) I use a Visa debit card from my bank (which refunds ATM fees) which is acceptable anywhere the credit card is. And yes, they have online banking. You don't have to go with the "big" guys.
09-27-2009 03:43 PM
xort Bubb
The phone call would not be worth it!
09-27-2009 03:39 PM
bubb2 Xort, just send me all your money! When you need money along the way give me a call. Maybe, I will get back to you.
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