4 ms·

Honestly, what is a good US bank that has a great web/mobile experience, a large financial offering (checking, credit, savings, investment, etc...), great custo

by csomar 7y ago

Honestly, what is a good US bank that has a great web/mobile experience, a large financial offering (checking, credit, savings, investment, etc...), great customer support, a good presence internationally, reasonable and no hidden fees.. wait there is none.

choward 7y ago
It's the same bank that doesn't send you spam emails which make you used to receiving unsolicited communication from your bank. These emails make it easier to sneak in phishing emails. That's why I use that bank.
enjo 7y ago
USAA fits that bill for me.
- SkyMarshal 7y ago
  Isn't USAA restricted to military or spouse/child of military?
  - lcall 7y ago
    For insurance and banking I think, but not for investing and maybe some other services, it seems.
    - lcall 7y ago
      Correcting myself in case anyone reads this: that seems to have been true in the past but they are moving investing to charles schwab and victory capital (separate companies). So long-term I wish I knew if that is nearly as good as not in the ways that matter for this discussion. https://debtfreegeek.org/2017/09/22/become-usaa-member-even-arent-military/ https://debtfreegeek.org/2017/09/22/become-usaa-member-even-... https://www.usaa.com/inet/wc/investments-update?akredirect=true https://www.usaa.com/inet/wc/investments-update?akredirect=t...
zachberger 7y ago
Schwab? I've been using them for about 2 years and have no complaints now.
- mcny 7y ago
  previously, on hn: https://news.ycombinator.com/item?id=8783790 https://news.ycombinator.com/item?id=8783790 https://archive.fo/xPtn5 https://archive.fo/xPtn5
  - zachberger 7y ago
    I don't think it's fair to assume weaknesses from 6 years ago still persist. * I just tried to login with the first 8 characters of my password and it was not successful. * Also this password is autogenerated and contains plenty of special characters. * Their 2FA system no longer depends on the concatenation of password + token. Also this reminds me of another HN discussion[1], which basically boiled down to the question of "Do you really think the only thing the bank does to log people on is to check the username and password?" I certainly hope not. [1] - https://news.ycombinator.com/item?id=20998548 https://news.ycombinator.com/item?id=20998548
jedberg 7y ago
They all fit that description. If you're rich. Put a few hundred thousand in the bank and you'll get all that stuff for free!
PascLeRasc 7y ago
Robinhood for checking/direct deposit/ATM access and small DIY investments, Wealthfront for retirement accounts and savings/emergency fund, Apple Card for payments. Beautiful interfaces, non-SMS 2FA on all, fantastic customer service. I do this and I can’t think of anything else I’d need. The only fee I pay here is Wealthfront’s 0.25% management fee, but I don’t mind since it’s such a great service.
- the_pwner224 7y ago
  Robinhood is a brokerage but they deposit uninvested balance into normal banks so they are FDIC insured and pay interest, and you get a physical MasterCard debit card. Used to be 1.8% but the coronavirus happened and now it's 0.3% :( They use normal TOTP for 2FA so it'll work with whatever authentication software you use. However they follow the modern tech trend of not having live tech support; you have to email them for support. But I've heard response times have gotten better recently. I moved most of my money into RH for the interest, but still maintain Chase checking and credit card accounts. For sonething as important as banking, there's no substitute to having tons of physical locations with humans. For example I recently went to the bank to deposit tax refunds, which were not 'normal' checks. I don't think you can even deposit normal checks into RH. And I trust Chase's fraud protection systems more than RH.

by csomar 7y ago

choward 7y ago

It's the same bank that doesn't send you spam emails which make you used to receiving unsolicited communication from your bank. These emails make it easier to sneak in phishing emails. That's why I use that bank.

enjo 7y ago

USAA fits that bill for me.

SkyMarshal 7y ago
Isn't USAA restricted to military or spouse/child of military?
- lcall 7y ago
  For insurance and banking I think, but not for investing and maybe some other services, it seems.
  - lcall 7y ago
    Correcting myself in case anyone reads this: that seems to have been true in the past but they are moving investing to charles schwab and victory capital (separate companies). So long-term I wish I knew if that is nearly as good as not in the ways that matter for this discussion. https://debtfreegeek.org/2017/09/22/become-usaa-member-even-arent-military/ https://debtfreegeek.org/2017/09/22/become-usaa-member-even-... https://www.usaa.com/inet/wc/investments-update?akredirect=true https://www.usaa.com/inet/wc/investments-update?akredirect=t...

zachberger 7y ago

Schwab? I've been using them for about 2 years and have no complaints now.

mcny 7y ago
previously, on hn: https://news.ycombinator.com/item?id=8783790 https://news.ycombinator.com/item?id=8783790 https://archive.fo/xPtn5 https://archive.fo/xPtn5
- zachberger 7y ago
  I don't think it's fair to assume weaknesses from 6 years ago still persist. * I just tried to login with the first 8 characters of my password and it was not successful. * Also this password is autogenerated and contains plenty of special characters. * Their 2FA system no longer depends on the concatenation of password + token. Also this reminds me of another HN discussion[1], which basically boiled down to the question of "Do you really think the only thing the bank does to log people on is to check the username and password?" I certainly hope not. [1] - https://news.ycombinator.com/item?id=20998548 https://news.ycombinator.com/item?id=20998548

jedberg 7y ago

They all fit that description. If you're rich. Put a few hundred thousand in the bank and you'll get all that stuff for free!

PascLeRasc 7y ago

Robinhood for checking/direct deposit/ATM access and small DIY investments, Wealthfront for retirement accounts and savings/emergency fund, Apple Card for payments. Beautiful interfaces, non-SMS 2FA on all, fantastic customer service. I do this and I can’t think of anything else I’d need. The only fee I pay here is Wealthfront’s 0.25% management fee, but I don’t mind since it’s such a great service.

the_pwner224 7y ago
Robinhood is a brokerage but they deposit uninvested balance into normal banks so they are FDIC insured and pay interest, and you get a physical MasterCard debit card. Used to be 1.8% but the coronavirus happened and now it's 0.3% :( They use normal TOTP for 2FA so it'll work with whatever authentication software you use. However they follow the modern tech trend of not having live tech support; you have to email them for support. But I've heard response times have gotten better recently. I moved most of my money into RH for the interest, but still maintain Chase checking and credit card accounts. For sonething as important as banking, there's no substitute to having tons of physical locations with humans. For example I recently went to the bank to deposit tax refunds, which were not 'normal' checks. I don't think you can even deposit normal checks into RH. And I trust Chase's fraud protection systems more than RH.