Question

Favorite online-only bank?  Hubby and I decided to have our EF in a separate acct so an accidental overdraft doesn't eat it and were not tempted to use it.Favorite online-only bank? Hubby and I decided to have our EF in a separate acct so an accidental overdraft doesn't eat it and were not tempted to use it.  

Answer 1

I recently opened a Capital One 360 account, and it was extremely easy. The amount of time it takes for deposits to post to your account is kinda long. I deposited a check from my credit union savings that I plan to close into the Capital One 360, and it took nearly a week to post. Going forward, I will only be making deposits via direct deposit, so it isn’t a concern for me.  

Comments

@yaupon88797, I’ve been amazed at this long processing time too! I opened the Money account for my teenager and have transferred money to her that’s taken almost a week to get to her. This last time, at that point, she didn’t even need the money anymore.  

---

@sevenfold349, it’s concerning but I sorta get it. They definitely want to ensure the funds will go through, but does it really take a week? With Huntington, I can access the money almost immediately.  

---

Glad I'm not the only one feeling this way with Capital one.  

Answer 2

I have a Barclays account

Answer 3

We just signed up for Discover. You get 1% cash back on debit card purchases

Answer 4

Look into a high yield savings account like Ally, it’s currently offering 1. 60% APY

Answer 5

Capital one 360 ! 1. 8% pay I believe

Answer 6

We have been very happy with ally.  

Answer 7

Capital One 360 no maintaining balance required plus no monthly fees. Can withdraw and deposit at Target stores.  

Answer 8

I just opened an account Ally. I really really like that they have buckets so you can separate the account into categories but still get interest based on the entire balance.  

Answer 9

Varo, no overdraft fees, interest checking and savings

Answer 10

Capital One 360

Answer 11

Capital One 360! I've had them for years and love them!