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Agreed, my credit union does all those things and pays 10x more interest than Schwab (2% vs 0.20%). That being said, its easy enough to get ~2% in a money marke
by ac29 7y ago
Agreed, my credit union does all those things and pays 10x more interest than Schwab (2% vs 0.20%). That being said, its easy enough to get ~2% in a money market as well, so there's no compelling reason to keep more than a few months expenses in a checking account.
If you're with one of America's 4 largest banks (Chase, Bank of America, Citigroup, Wells Fargo), expect a bad time.
- aditya 7y agoWhat credit union is this? Didn’t realize there were any that reimburse worldwide ATM fees...
- StudentStuff 7y agoFirst Tech and BECU both do this, pretty sure the smaller credit unions like Verity and People's CU also reimburse ATM fees and offer high yield checking & savings accounts.
- hawaiianbrah 7y agoI don’t think First Tech refunds ATM fees worldwide. Only at CO-OP Network ATMs which are in the US.
- brewdad 7y agoFirst Tech does not reimburse ATM fees worldwide. Unless things have changed in the last year, they do add a 1% transaction fee for using a foreign ATM. For this reason, I now use a Schwab checking account for international travel.
- eatbitseveryday 7y agoVermont federal credit union has 2%+ interest and ATM fee reimbursement with their “rewards” checking account.