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Old 12-06-2006, 02:44 PM   #1
adamcz
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Default OT: Anybody use an online bank?

I'm thinking about opening up an e-trade savings account and moving my direct deposit over there, since they offer 4-5% interest. ING Direct also offers 4%. Anybody use either of these? It seems like a great idea, but I've just never looked into it (until now).
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Old 12-06-2006, 02:49 PM   #2
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A friend has told me that ING Direct is really, really good.
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Old 12-06-2006, 02:50 PM   #3
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ING Direct is the way to go.
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Old 12-06-2006, 03:03 PM   #4
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try citibank. they give you 5% on your savings plus they have actual brick and mortar branches. theres one across the street from me that i use.
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Old 12-06-2006, 03:08 PM   #5
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surely you can get higher, i live in NZ and i get 6.5%
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Old 12-06-2006, 03:15 PM   #6
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I've been using HSBC lately because they offere 5.05% interest. I used to have ING before. To be honest ING is easily the best of the lot in terms of being user friendly. HSBC is a pain in the butt to do anythin with. BUt its .5% more than ING.

In general my experience has been good with them.
I don't like Citibanks because they want you to open a checking account to go with the savings. HSBC and ING both are simple savings accounts that link to your existing checking account.
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Old 12-06-2006, 03:22 PM   #7
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Quote:
Originally Posted by rezznor
try citibank. they give you 5% on your savings plus they have actual brick and mortar branches. theres one across the street from me that i use.
I have a citibank account, and they give me nothing of the sort. I only have like $100 in it these days, and have just been too lazy to close it out.
Quote:
surely you can get higher, i live in NZ and i get 6.5%
I've never heard of higher than 5%, but good for you. I don't like to have money in savings anyway, but it has to sit somewhere until you can put it to better use, so I want to make sure that "somewhere" is an intelligent place.
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Old 12-06-2006, 03:33 PM   #8
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i have an ING account. i opened it with $20 and got $50 for free haha

there are online banks that give more than 4% i think. ummm check out https://www.emigrantdirect.com/Emigr...tWeb/index.jsp
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Old 12-06-2006, 04:05 PM   #9
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Quote:
Originally Posted by adamcz
I have a citibank account, and they give me nothing of the sort. I only have like $100 in it these days, and have just been too lazy to close it out.
I've never heard of higher than 5%, but good for you. I don't like to have money in savings anyway, but it has to sit somewhere until you can put it to better use, so I want to make sure that "somewhere" is an intelligent place.


you have to apply for it online to get the 5%. im not sure how it works if u already have an acct, check their website.
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Old 12-06-2006, 05:12 PM   #10
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do check out HSBC. I don't know how they work outside the UK, but I can put 250 a month with them and I get 8% on it.
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Old 12-06-2006, 05:20 PM   #11
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another thumbs up for ING.
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Old 12-06-2006, 05:31 PM   #12
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I use washington mutual, but i have barely any money
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Old 12-06-2006, 06:32 PM   #13
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Looks like e-trade, hsbc, and emmigrant all offer 5.05% apy. If I go with any of those it will be e-trade, since I already have my roth with them and I like it. I also will still consider ING, since I've heard great things about user satisfaction there.

Speaking of roth... if any of you are 18+ and don't yet have a Roth IRA, stop giving up free money. It's the government's biggest gift to us poor people (rich people can't have them) and it's silly to not accept it. Maximum you can fund it with is $4k a year, but you never ever pay taxes on it. If you get some money in it while you're young and give it a chance to grow over the years, you can some day have a large amount to play around with and not worry about uncle sam wanting his.

Last edited by adamcz : 12-06-2006 at 06:35 PM.
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Old 12-06-2006, 06:42 PM   #14
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I get like 5% on my Paypal account
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Old 12-06-2006, 06:48 PM   #15
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Quote:
Originally Posted by DatZNasty
I get like 5% on my Paypal account
I didn't know that. I have a small amount of money in paypal, and never noticed. I don't like paypal, because there aren't enough legitimate stores that you can use it at. If Amazon accepted it, I'd like it a lot more. I don't think paypal is a contendor for this thread though, since I'm trying to find a place to get direct deposit from work. I don't trust paypal for that.
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