Got a free checking account you like?

[NewtonMP2100]

....USAA........no minimum......they print checks for free [ many banks don't do this anymore ].....I link to basic savings locally......then you can transfer funds to USAA for free.....if you need to deposit cash or checks immediate.....you deposit at the local bank then just transfer.....

[Buzz]

Does the CU have to be local?
We belong to a couple that are out of state, but use cooperating institutions for in-person transactions.
Works reliably enough, well, except the closest place (3-4 blocks) doesn't validate for the building's expensive parking lot, and the 15 minutes of free parking isn't enough if/when there's a line. The less convenient places validate. The benefits of the CU's outweigh any minor inconveniences.
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[deckeda]

So I’d need to learn what kinds of out of are CUs don’t require and affiliation to be a member? USAA ... do they not have online check deposits? I haven’t walked into a bank or deposited at at ATM in a long time. When the odd check comes in my bank’s app snaps a picture.

[NewtonMP2100]

.....USAA has mail in deposits or you can take picture of check.......but if you have to deposit cash.......

[Rolando]

Also recommend a local credit union.

As my older kids moved away, the joint accounts I opened for them have made it really easy to send them money when they needed it.

[graylocks]

deckeda wrote:
USAA ... do they not have online check deposits? I haven’t walked into a bank or deposited at at ATM in a long time. When the odd check comes in my bank’s app snaps a picture.

You can deposit checks through their app. Also, in the oddest of shopping centers not far from me, a USAA ATM was installed. Only one I've ever seen in the wild.

And just do a quick search on credit unions near you. Each will have an online site where you can find if you qualify. I think you'll find it's much easier than you are anticipating. I remember the days where CUs had hoops. Most of the hoops are gone now or at least HUGE!

[Michael]

You could do a two-fer and look for a high-interest checking account if you're willing to jump through a minimum-swipe and other requirements.

https://www.magnifymoney.com/blog/earnin...376922578/

[deckeda]

Michael wrote:
You could do a two-fer and look for a high-interest checking account if you're willing to jump through a minimum-swipe and other requirements.

https://www.magnifymoney.com/blog/earnin...376922578/

Dodd-Frank ... I had no idea that created this circumstance. Very interested, and yes we use our debit cards for most things. I can see how a few of the choices there could work.

[mspace]

I use Connexus Credit Union for the higher CD rates, but they also have good checking. You just need to have a savings account with $5 to stay a member. Otherwise I have NO other connections to it.

https://www.connexuscu.org/spend/checking/

[NewtonMP2100]

.....USAA refunds up to $15/mo in ATM fees......