[russdawg]

Checking to see if anyone is using an online bank such as Ally or Chime or any other online only bank.

[nadie]

Yeah, I do.

[Bell Bouy II]

My big time FiPlan group recommends keeping short term cash in my ALLY account as it does better than they can.
Had it for years, easy and relatively convenient

[ConservativeMind]

We use Ally and another online-only credit union, along with a bank with local branches.

[oh8eleven]

Have used Ally for many years. Never a problem.

[FatherofFive]

I closed my Bank of America business account, and using my account at Fidelity. I can deposit checks with my cell phone, have a debit card, send checks for no cost, and transfer money in or out.

All for no fees. I looked at Ally, but I really don't need another account.

[fatman6502002]

I’ve used Ally Bank for the last four years without any problems.

[ken in texas]

I’ve had an account at Ally (formerly GMAC Bank) since around 2005.

[upchuck]

I do my banking at a small, home town bank. They offer everything I need including savings, checking, online banking, ATM machines scattered around town, debit card and credit card, all at no charge. I have been with them for years, nary a hiccup.

[Dr. Thorne]

I highly recommend Charles Schwab on-line banking. Been with them for 15 years. Best customer service of any on-line entity of any kind that I've dealt with! You have to open a brokerage account in order to get the checking and savings accounts, but you can keep a tiny amount in the brokerage account.

All accounts are free. Brokerage trades are free. Checks can be deposited by mail or cellphone photo with the Schwab app. Schwab reimburses any ATM fees regardless of whose ATM it is.

Only drawback is that Schwab brick-and-mortar facilities are for investors only - not for everyday banking.

[SunkenCiv]

I’ve been seeing ads for another one on YT the past few days. I’ve used prepaids from the grocery store to make payments to sketchy online things. My main concern about these is, there’s no way to know where they’re based, who they are, who owns them, or in what country their complain call center is.

https://www.forbes.com/advisor/banking/what-is-a-neobank/

[southland]

I use USAA for several years no problems. I can buy a car and then drive off w/ insurance since they have insurance also.
I was skeptical at first but tried them first.
They are super good.

[aimhigh]

Make sure you provide your spouse a list of all your online accounts. Had a relative living with us who died. Everything was online. Didn’t have her phone or other passwords. Was a nightmare cancelling and resolving stuff.

[TomGuy]

About 20 years ago, I started using Netbank. It will belly-up and because it was FDIC, it became part of the ING Group. ING sold it about 10 years ago to Capitol One.

I have been content with it. It is pretty easy to do nearly everything online and I get immediate confirmation. I trust online more than USPS.

I do have an account in a local bank for local use (rent, utilities, etc.) and a credit union account I have had for 40 years in another state.

[russdawg]

Thanks to everyone for their input on this. learned some stuff I had no clue about. I went with Ally, I have a local bank but wanted to open another account online.

[WASCWatch]

I use the Chase app which is also tied to my SWA credit card. Check it at least once per day to make sure there isn’t any unauthorized activity.

I use my credit card to pay for everything, including a $.59 soda at Costco. Love those miles. Have automatic payment set up for all my bills and credit card. Makes life easy.

[minnesota_bound]

Please post your log in and account number so we can help.