Get my 5-day email funnel that generated $400,000 from a single launch

Want an email sales funnel that's already proven to work? Get the entire word-for-word email funnel that generated $400,000 from a single launch and apply it to your own business.

Yes! Send me the funnel now
Start Here: “The Ultimate Guide to Personal Finance”

The best checking accounts for 2016

107 Comments- Get free updates of new posts here

32 10

Most of us hate our banks for gouging us for fee after fee, requiring minimums, and offering teaser rates that turn into nothing more than the same old BS accounts.

I’ve studied most of the checking accounts on the market and today, I’ll show you the best one I’ve found. In fact, it’s the one I use as my primary checking account.

Why is it important to choose the best checking account?

I talk a lot on this blog about building an automated personal finance infrastructure — a system that funnels your money to where it needs to go on a schedule, with minimal involvement from you. This way, the money left over after bills is yours to spend guilt-free. Chapter 5 of my book is all about how this system works and how to build your own.

Automating Your Money: How It Works

 

Of all the components in that system, none are more crucial than your checking account. As I wrote in the book:

“I think of my checking account like an e-mail inbox: all my money goes in my checking account, and then I regularly filter it out to appropriate accounts, like savings and investing, using automatic transfers.”

Your checking account is the center of it all, the nexus of your bulletproof personal finance system. Unfortunately, as I also point out in the book, checking accounts are the number one place where unnecessary fees are levied. That’s why I wrote this post today: to share my favorite checking account, the one I personally use.

BEST CHECKING ACCOUNT: Schwab Investor Checking

Most people think of Charles Schwab as an investment bank. But they also offer what I believe to be the best checking account available. Why?

  • Interest on your deposits
  • No fees
  • No minimums
  • No-fee overdraft protection
  • Free checks
  • Deposit checks via pre-paid envelopes or via iPhone app (snap photos of your check — no need to go into branch)
  • An ATM card
  • BEST BENEFIT: Unlimited reimbursement of any ATM usage

This last point is critical. How often do you go out with friends and have to withdraw money from out-of-network ATMs? How often do you find yourself at a liquor store at 3:30am, needing to withdraw $280, but you hesitate because of onerous ATM fees?

Me too.

Those fees can add up, and Schwab reimburses you for all of them. If you rack up $200 worth of ATM fees in a month, you’ll see a $200 deposit from Schwab before the month ends. This means you can use ANY ATM — corner stores, other banks, whatever — without having to look for some specific bank’s ATM.

When I saw this account, I wanted to marry it.

“But I don’t want to use an online bank.” Some people will balk at using Schwab because it’s an online bank. That’s fine, but I urge you to reconsider: It’s rare to find a checking account that (1) avoids screwing you at every turn, and (2) actually rewards you for using them.

Remember: the whole point of having an automated personal finance system is that your money gets taken care of automatically. Who wants to visit a bank branch for routine financial matters? Once this system is up and running, you wont have to.

You know by now that I’m all about big wins. The ATM-fee reimbursement for the rest of your life is enough of a benefit, but stack on the trust Schwab has built with me, and I’m a long-term customer.

Open a new checking account with Schwab

To get started with the Schwab Checking Account, click here. I have no relationship with Schwab except being a happy customer.

To learn how to fully automate your finances — including ultra-specific recommendations on accounts, investing, debt, negotiation, money & relationships, and buying a car/house — pick up a copy of my book, on sale for less than $10.

Tomorrow, I’ll write  about the best credit card.

Want to learn the system I use to get more out of my checking account — and spend just minutes a week on your finances?

Let me show you how to automate your finances in 12 minutes.













100% privacy. No games, no B.S., no spam.

32 10

Related Articles

Untitled design (6)

How to pay off student loans without thinking about it

Student loans are a big kick in the face that the real world has arrived. The average graduate has $28,...

Read More
stretching

The 4 keys to finding ambition

We’re told we should just be happy with what we have… but there’s a difference between being happy ...

Read More

107 Comments

32 10
 

Leave a Reply

107 Comments on "The best checking accounts for 2016"

Notify of
avatar

Eva
Eva
5 years 1 month ago

My credit union (limited membership; my employer is affiliated) offers a rewards checking account with very, very sweet terms. Specifically, for 12 debit purchases a month I get:

-unlimited ATM fee refunds
-2.3% interest. This has fallen from 4.9% in 2009.
-really, really, really awesome staff. I bank mostly online but this still matters to me.

They also do manual underwriting for lines of credit and offer 0% loans for CSA / farm shares.

Matt
Matt
5 years 1 month ago
My wife and I argue about every month about her spending. I think having separate accounts might work, but she is against that. She is a stay-at-home mom, so all the income comes from me. It just seems like she doesn’t grasp the concept that there is only so much money per month and if we spend it we need to stop, so she just uses credit cards. She was raised where whenever she needed money, it was there. It’s just a struggle to get her on-board with the concept that we should stop frivolous spending and focus on the… Read more »
Zal
Zal
5 years 1 month ago

On link to sign-up for the Schwab account it says near the bottom: “Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value”.

It seems to me that their checking accounts are not FDIC insured.

David Kassa
5 years 1 month ago

Introducing the Schwab Bank High Yield Investor Checking account:

Earn 0.25% variable APY— that’s 2 times the national average.1
No ATM fees. We reimburse any ATM fee you are charged— worldwide.2
Enjoy free standard checks, free online bill pay and a Visa® Platinum Check Card.
Get full-featured FDIC-insured checking for up to $250,000.3

Cody McKibben
5 years 1 month ago
Brokerage products are not insured by the FDIC—that means the investment accounts and investment products you receive through Schwab, whereas the *checking* account is. And if what David says is true, FDIC insurance for up to 250K is much more than the standard 100K through most banks I believe(?) Although, who are we kidding at the end of the day, do you really think you can rely on the US government to protect your money when the big banks go down? Doesn’t matter where you store it, they’ve proven they are not able to fulfill those promises already, so you… Read more »
Steven Andos
Steven Andos
2 months 23 hours ago

Brokerage accounts are never insured. Banking accounts are

Jared
5 years 1 month ago

I decided to go with the Fidelity option: mysmart cash account. Almost all of the same features except it is on the Fidelity platform which, from experience in the investment business, is rock solid.

Scott
Scott
5 years 22 days ago

+1 !!

Akin
Akin
1 year 19 days ago

Great choice! Lower broker fees than CS for stock trading, and similar checking account benefits.

Kate
Kate
1 year 19 days ago

They charge a 1% foreign interest fee that can’t be waived, which is why I’m going with CS.

Alicia
Alicia
10 months 16 days ago

My 401k is through fidelity… But when I looked at checking and broker accounts… Their broker account requires 2500.00 minimum to open. CS has no minimum. I wanted to go with fidelity… But I’m not interested in having to deal with fees and minimums.

Morton
Morton
5 months 8 days ago

State Farm Bank also has these same options and you can have as many accounts as you want and get also deposit cash using PNC BANK atm deposit sharing option to get cash into the online bank. They offer unlimited atm reimbursements and I prefer them more than Schwab

Toxigal
Toxigal
4 months 19 days ago

State Farm will only reimburse foreign ATM fees if there is a direct deposit made in the same month. I discovered this while researching account options for my teen nephew who is about to travel abroad.

Jana
Jana
5 years 1 month ago
I opened the Schwab Investor Checking on your advice around 2 years ago, Ramit, and I love it! Another thing you might mention about the “no fees” is that it’s REALLY no fees–I was surprised to learn that there are no foreign transaction fees when you use the debit card abroad. I took advantage of this to save some money when I went on a trip to the Netherlands last year. I put the hotel charge on my Schwab debit card (with a Visa logo, so you can mostly use it like a credit card) to avoid paying a 3%… Read more »
Anca
Anca
5 years 1 month ago

“there are no foreign transaction fees when you use the debit card abroad”

Can’t thank you enough for this tip. I opened an account there today (already had a Schwab Roth) and customer service called me to see if I had any questions (can you imagine that?). They confirmed that there are no foreign fees (my credit card charges 3% and my credit union debit card 1%).

David
David
11 months 1 day ago

But don’t they set their own currency conversion rates? Do they make the money they “give” you on fees back by giving you a slightly worse conversion rate?

Edward
Edward
5 years 1 month ago

Ramit, as always, I really appreciate the wealth of knowledge you so freely share. I also think your book is great!

I wanted to ask if you have recommendations for small business checking/saving/credit cards, or if you just recommend using the same products you’re mentioning in this series?

Thanks.

raymond
raymond
24 days 18 hours ago

+1 for this.
after listening (and then reading) the book, I’m trying to move everything to online banking. personal, home, etc.
but schwab doesnt offer business checking.
any recommendations ramit? (or edward)
thanks!

Joe
Joe
13 days 8 minutes ago

I am wondering the same thing. I own a real estate company and currently use a major bank which is a horrible bank but due to lack of options I am still with them for years. I’d like to find a checking account for business that offers no fees and the ability to pay payroll but I haven’t found one. Any suggestions for us Ramit? Thanks!

Al Pittampalli
Al Pittampalli
5 years 1 month ago

The ATM reimbursement benefit is huge. Thanks for the tip, Ramit.

jforest
5 years 1 month ago

I think you missed the most important feature of the schwab investor checking! Well most important if you travel internationally. There is 0% fee for taking money out in foreign currencies. Most charge 1-4% to take cash out in a foreign currency. This one doesn’t! PERFECT card for travel!

A
A
5 years 1 month ago
I am embarrassed to be asking these question, but here it goes: When I write a check, sometimes people take forever to cash it. And I see the online balance in my account and *think* I have that much $$, but really I don’t and end up over-drafting. Hello $35 fee. So the representative at BofA did this thing where he set me up with 2 checking accounts which are linked to each other. One is for my debit card / direct deposit, the other for my checks. When I write a check, I have to go online, and transfer… Read more »
Brad
Brad
5 years 1 month ago

If you can arrange it where you mail a check, like we do sometimes when I hire someone to work on the house, ING Direct allows for you to make a payment from their website and they mail it, the amount is then shown subtracted from your account. On the bottom is this notice: “If this paper check isn’t cashed within 90 days from the date it was sent, the funds will automatically be deposited back into your account.”

T
T
2 months 1 day ago

I have a question regarding your BofA setup. You have 2 accounts, but checks to only one account, correct? So when you write a check and move the money to the other account, how are the checks covered? Are you writing a check from the account where the funds are transferred to? We have this issue as well, so I’d like to set up something similar with our bank (if I can). Any additional information that you can provide would be greatly appreciated.

SB
SB
5 years 1 month ago

I have the Fidelity account as well, along with their 2% cash back American express card and 1.5% cash back Visa card. I have also set it up so that the credit cards are automatically paid of in full every month. Never a missed payment and never any finance and late fees.

eva
eva
5 years 1 month ago

@Ramit: yes, this is the problem with those rewards accounts (all through BancVue, I think). it’s hard for me because I’m very frugal. but if you can make the requirements easily it can be a fun game.

MostlyHarmless
MostlyHarmless
5 years 1 month ago

@Ramit,

I looked into the Charles Schwab account a while ago. It is a great service, BUT with one major problem: The account seems to be for US Citizens only. (Obviously not a problem for most people).

What about someone like me who is not a US Citizen yet? What would you suggest? (I tried calling them, they were like “sorry, not a citizen, can’t really help”.)

ChaliceHermit
ChaliceHermit
5 years 1 month ago
This isn’t my experience. I’m a US resident but not a US citizen – you can’t sign up online and need to mail the application in but as long as you give them the ID they ask for you should be fine. I called them up ahead of time to ask what ID they needed. They wanted some form of US state identification. I didn’t have one so I sent a Canadian driver’s license instead. It’s taking longer than I thought to get the account set up… I sent in the application ~2 weeks ago and the brokerage account is… Read more »
MostlyHarmless
MostlyHarmless
5 years 1 month ago

Ah, therein lies the problem. I should have mentioned, I’m technically not a US Resident either. I’m here on an H1B visa.

MJ
MJ
5 years 1 month ago

Does anyone use PNC’s Virtual Wallet? I’ve seen people rave about it. Ramit, I’d love to hear your take on it. It allows you to create buckets of savings, categorizes where/what you’ve spent your money on, what is pending but hasn’t gone through yet, along with a whole bunch of other stuff.

EG
EG
3 months 19 days ago
The VW account by PNC Is the best account in terms of features that are useful.Downside is that the reimbursement of ATM fees as well as foreign transactions still come with a cost or are limited. You’re right, you can put money away for a specific item, you can write a check and if you upload the check number and amount in VW, it’ll track it for you so that you never OD an account. It’s a great feature that I wished other banks could offer. I have also used the Schwab account and it’s awesome because of the cost… Read more »
Brian Gerald Murphy
5 years 1 month ago

I’ve been looking for a new checking account, this is perfect!

Ashley N
Ashley N
5 years 1 month ago

Thanks for the great tip! As always…looking forward to more concepts and ideals from reading Ramit’s work.

Rishi
5 years 1 month ago

Ramit – You are what Uncle Jessie did to parenting on Full House. You make saving cool.

Carlos
Carlos
1 year 1 month ago

Ramit,

Brother she meant it complimentary, Uncle Jessie all the women love, so she thinks (for lack of a better word) hot. At least that os the way I interpreted it and I think that is the way Rishi meant it.

Carlos
Carlos
1 year 1 month ago

Sorry for the misspellings, I’ve gotten so use to spell check… She meant thinks your a hot guy, handsome man, etc… Yes, I recognize os meant is. Cheers.

Tom Harari
5 years 1 month ago

Ramit, glad you’re bringing this up. I must have a read a post fo yours back in 2007/2008 and immediately opened up a Schwab checking out. I can’t even begin to imagine how much ATM fees I’ve saved since making the switch, especially since I spent 6 mo. overseas and ALL of my international ATM fees were re-imbursed! And they were really fair with exchange rates – just an amazing experience from the beginning. Weird to say that about a bank 🙂

Chris
Chris
5 years 1 month ago

Does Schwab Investor Checking allow direct downloads into Quicken and online Bill Pay? As much as I may loathe BoA for some of their business practices (I personally have never had an issue with them) and have come to depend on those two features.

Nick
Nick
5 years 1 month ago

I switched to Scwab about a month ago after reading Ramit’s book. I just checked online and the answer is yes to both of your questions.

Justin
5 years 1 month ago

I see that Schwab also lets you deposit checks from your android phone. Does anyone know what the limit for these picture deposits? I know some banks max you at $1,000.

Nirav
Nirav
5 years 1 month ago

I am interested in knowing this too. Most other banks and checking accounts that offer this restrict it to 1000$ a day and 3000$ a month or something similar, would like to know if Schwab is more generous.

Nira
Nira
5 years 1 month ago

The limit on mobile deposits is $10,000 per check.

c vos
5 years 1 month ago

Schwab looks like a great system for personal accounts, what is the best business bank account? Most of the big banks charge massive fees on all their business banking accounts and it would really be nice to have a stable alternative.

Andrew
Andrew
5 years 1 month ago

I called Schwab, and they said that you can open an institutional “Schwab One” brokerage account. If the money is sitting in cash investments or their “deposit sweep” applies, then it is FDIC insured as usual.

It offers free checking, and of course can accept checks in the name of your DBA or LLC.

Here’s the link their rep gave me: http://www.schwab.com/public/schwab/home/account_types/brokerage/s1_organization_account

Angela
Angela
5 years 1 month ago
Fred Perrotta
5 years 1 month ago

Are you also reimbursed for foreign ATM fees? I’d love to have a checking account that I could use abroad without incurring fees.

Monty
Monty
5 years 1 month ago

@Fred – I’ve traveled to Japan and Thailand several times since I opened my Schwab account in 2007, and every time I call to ask about exchange rates. Without fail, every time they assure me that there are no added exchange fees, any foreign ATM fees are reimbursed, and that the exchange rate used is whatever the industry rate is at the time of the exchange (i.e. no special, consumer-raping set rate like some exchanges do). Any time I hear about my friends traveling or going abroad, I urge them to open a Schwab account.

shin
shin
5 years 1 month ago

How does this Schwab account differ from Ally? Thanks!

Kevin Burke
5 years 1 month ago

I use Ally too… pretty much the same feature set

MaryAnn
MaryAnn
5 years 1 month ago

Ramit- Any suggestions for a business banking account?

Andrew
Andrew
5 years 1 month ago

I called Schwab, and they said that you can open an institutional “Schwab One” brokerage account. If the money is sitting in cash investments or their “deposit sweep” applies, then it is FDIC insured as usual.

It offers free checking, and of course can accept checks in the name of your DBA or LLC.

Here’s the link their rep gave me: http://www.schwab.com/public/schwab/home/account_types/brokerage/s1_organization_account

Robert
Robert
5 years 1 month ago

I’m very intrigued, but currently have Ally as well. Although it seems the same, one big difference i see is the deposit by phone feature with Schwaab. This might make me want to change over. I currently have a local BofA account just for depositing checks.

Robert
Robert
5 years 1 month ago

I found BB&T a good option for my business account.

Lisa
Lisa
5 years 1 month ago
@Andrew – you said “can” open a brokerage account. The FAQ says “need”: Do I need to open a Schwab One brokerage account with my Schwab Bank High Yield Investor Checking account? Yes. The Schwab Bank High Yield Investor Checking account is only available when linked to a Schwab One brokerage account. The two accounts may be opened at the same time. It might have been good to know this in the main post! It’s not a “no-catch” account…. There’s “no obligation” to use the brokerage account, but it’s not clear what the impact is of opening said account.
Andrew
Andrew
5 years 1 month ago
@Lisa – I am referring to using the brokerage account as a business checking. Apparently, the Schwab One Brokerage Account (for Organizations) is registered to your EIN (Tax ID) and business name (DBA, LLC, Corporate), and has checking features, all for no fee. It’s my understanding that if you open the investor checking as well, that you get remote check deposit (via smartphone), of up to $1k per day or $10k per day, with the same limit applying per check. I haven’t opened these accounts yet, but once I go over some things with my accountant and open the accounts,… Read more »
Lisa
Lisa
5 years 1 month ago

@Andrew thanks for the clarification. That being said, both the personal version and the business version (of checking accounts) require the paired brokerage accounts.

Hasan Diwan
5 years 1 month ago

@MostlyHarmless,
It shouldn’t be a problem. I never needed to show Schwab my passport when I opened my account, just my driver’s license.

Sunil from The Extra Money Blog

schwab is def a good one, i also like ING and USAA (only veterans and family can qualify). ease of use, no fees and most importantly customer service are my three biggest criteria! a decent interest rate can’t hurt either

Ally is a up and comer – keep an eye out

christine
christine
5 years 1 month ago

anyone can join USAA now, its not limited. they changed the policy a few years ago

Ilhan
Ilhan
5 years 1 month ago

Hi Ramit!
This question has been asked, but not answered, before.
I am living in Europe, so I can’t use the Schwabs account. Are there similar accounts like this one for Europeans?

Zarina
Zarina
11 months 17 days ago

And for Canadian residents! Or maybe any alternatives?

Losty
Losty
5 years 1 month ago

Ramit,

If you’re starting over, and the credit is not great, they do a hard hit on the report, do you know if they pull it for ID (USA Patriot) or for getting the account? With my credit I probably wouldn’t be approved.

Will Franco aka Flywheel
5 years 1 month ago

I heard Ally was good… what are your thoughts?

Christine
Christine
5 years 1 month ago

The USAA credit card has all the same features and has run lots of consumer rewards. They also have a best price in auto insurance. You no longer have to be part of the military to join. I HATE almost every major corporation and I generally hate all banks but I can not say enough good things about USAA, LOVE THEM

Daniel
Daniel
5 years 1 month ago

Hi I just came across your webpage yesterday. Really liking your stuff so far. Going to buy your book.
Just two questions.

It states on the scwab webpage that only US residents can create accounts. Do you know of a similar bank that I can use up here in Canada?

Can the concepts in your book be applied in Canada?

Brad
Brad
5 years 27 days ago

Great tip! I just signed up for an account … I recently moved and kept my old checking account in my old town (over 1000 miles away). I don’t write checks and rarely need to deposit them, so this is perfect!! Love that I can deposit using my iPhone! Awesome!!!

jon
5 years 12 days ago
Hi Ramit, I have a question regarding the closing of a checking account. I use CIBC and am frustrated with paying the $3.9 monthly service fee plus additional atm fees and therefore plan to change to an account (such as ING). That said, I wonder what will happen to the rest of my accounts held at the bank. Have you come across the situation where people wish to switch only their checking accounts to ING and keep the credit + investing accounts untouched at the original bank? Can I pay off my credit card using the ING account? Thanks so… Read more »
Marco
Marco
1 year 1 month ago

What are your thoughts on Ally’s Checking account?

Akin
Akin
1 year 20 days ago

My fiancée has Charles Schwab and loves it. Great for international travelers, and way better than the big 3 banks (Bums of America, Chase good customers away, and Well Forget You). Only problem is you need to set up an investment account with a minimum $1,000 deposit. A similar checking account is at Fidelity, but their investment account requires an opening deposit of $2,500. Fidelity has lower broker fees, but who wants to drop $2,500 to open an account???

Matt
Matt
11 months 28 days ago

So to open the checking account you need to deposit 1K into the investment account??

Akin
Akin
1 year 20 days ago

Other noteworthy checking accounts can be found at local credit unions without a $1,000 investment account deposits.

Amy
Amy
11 months 26 days ago

I love my investor checking account with CS and several other retirement and business accounts. I have all for ten years now. The only issue for those that need large sums of cold hard cash, is that CS is not a bank where you can go in and withdraw money, so you do have to use ATMs and there is normally a limit. For me that’s not a problem, for big spenders? — maybe.

Matthew
Matthew
11 months 24 days ago
I openned up my Schwab Investor Checking after getting fed up with Chase and reading Ramit’s book. Chase charged fees onto my college checking when they said they wouldn’t and for the longest time, I lived in areas without Chase branches- for college. I have no idea how much money I wasted by not openning up a local account. Thank god for this account though because that will never be a problem again. I do sometimes miss having a branch around, like when you need lots of quarters for the laundry machine in your building or need to deposit cash.… Read more »
Eve
Eve
11 months 17 days ago

Hi,
does anyone know about a similar option to Schwab for European citizens/residents?

THANKS

MICHAEL
MICHAEL
11 months 14 days ago

i am an U.S. CITIZEN that will be retiring in JAPAN.
i will direct deposit my SOCIAL SECURITY to CS.
I will have a JAPAN HOME ADDRESS and do online
banking to pay my credit card bills.
is this a problem?

Thank you,
looking forward to opening CS online banking

Lora
Lora
10 months 27 days ago
Hi Ramit, I love Charles Schwab investor checkings and savings accounts – I fired Bank of America and switched to Charles Schwab based on your recommendation – best decision ever. I am now looking for the best online bank option for small businesses (a checking account and possibly a savings account). No minimum requirements, no silly fees, easy online pay (similar to Chase Quick Pay, though I don’t like Chase), Apply Pay option are key criteria for my decision-making. I’ve researched and most online banking does not specify options for business accounts. If the best business checking accounts don’t happen… Read more »
Mario Abad
Mario Abad
10 months 7 days ago
I’ve been touting Schwab to my friends for years and they still don’t get it. Schwab has reimbursed me for every ATM fee I’ve ever incurred, no matter how high. I even had to pull funds in Vegas at a *cough* restaurant and they reimbursed me for all of the $30 ATM fee I was hit with. Hands down the best checking account there is. I don’t know why anyone would still bank with BoA or Wells or any of those other banks that charge you ridiculous fees. In addition to the great technical features of the account, Schwab has… Read more »
Micah
Micah
6 months 11 days ago
LOVE my account, with two exceptions: 1. I cannot deposit cash. Too often I’ve come into possession of a bundle of cash and I can’t deposit it and I’d rather not hold on all of it for too long. 2. As a contractor, I sometimes receive checks that are in the sum of thousands of dollars and Schwab has a hard limit, even after a phone call, where I cannot deposit the check. For this reason, I have no choice but to keep an account open at another major bank that DOES charge fees (although I’ve gotten around it thankfully).… Read more »
J Washburn
6 months 11 days ago

I absolutely love http://www.simple.com . Best bank ever. Seriously, you have to check it out. All the same perks mentioned above, only with an Apple-like interface. So easy to use.

Alyssa
Alyssa
6 months 8 days ago
Hello, Ramit, I am in the process of reading your book, and it has been unbelievably helpful for reorganizing my finances to suit my banking habits (read: lazy. I like setting things up and doing little afterwards). I have a question about the Schwab Checking Account, though. I was reading the Account Agreement (…I’m sorry. Yes, I’m THAT person) and it seems like their Overdraft Protection is a system for transferring funds from other accounts (ex. savings, brokerage) or from a line of credit (if the customer qualifies) to cover the overdraw. If the customer doesn’t have another Schwab account… Read more »
Alyssa
Alyssa
6 months 8 days ago

Edit: Never mind; I should have done more research before posting. Apparently, the aforementioned sleazy business practice is standard amongst banks.

JJ
JJ
6 months 7 days ago

I opened up a Schwab High Yiend Investor Checking account a couple of years ago (after seeing it recommended here by Ramit) and must say that it is everything he said it would be. Awesome for everything you need it for and more; and for traveling though it is particularly handy. A total lifesaver.

Thanks, Ramit.
Regards.

Yash
6 months 4 days ago

I am just started before 6 months to work on this website & now I am happy with this site. I think its best way to earn money online.it’s simple and legit way to earn money online.I am earning now 500 to 700 $ per month.its big amount for me.must try if u find online job…..

http://goo.gl/t1lREN

nicole
nicole
6 months 3 days ago
Blank ATM cards sold out cheap – Lagos Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email (atmhackers101@yahoo.com) for how to get it and its cost, and how to also hack credit cards and send the money to your self we are agent that are located in ngn and other part of the world, these cards works in all part of the work and it works according to its activation reply now.. … EXPLANATION OF HOW THESE CARD WORKS… You just slot in these card into… Read more »
jackson
jackson
6 months 1 day ago
I am Jackson Eddy from Canada, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay light bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get… Read more »
Jake Gibson
Jake Gibson
5 months 27 days ago

I love the idea of having your money funneled to the necessary accounts automatically. It seems like there’s a lot to consider when choosing a bank. I also like the idea of doing my banking from the convenience from my computer or smart phone.

BARRY DAVID
5 months 22 days ago
Mr wilson Nicholas who lives in the UNITED STATE OF AMERICA, i want to use this meduim to thank Mr Jack Wood who help me with an already hacked atm machine card and i was as poor without funds so i was browsing one day and i saw somebody testifying how Mr BARRY DAVID help him from being poor to a rich guy through this already hacked ATM card and today am also testifying on how he helped me. i never believe in it until they send me the card which am using today if you want to confirm or… Read more »
JQ
JQ
5 months 21 days ago

If I withdraw cash from an ATM in Canada, will there be a foreign transaction fee? In other words, ignoring the ATM fee, if I withdraw $20 in Canada and the current conversion is $0.73 US dollars per $1.00 Canadian dollar, will I see a $14.60 debit from my Schwab account? Or will there be an additional charge because of the currency conversion?

MMontero
MMontero
5 months 14 days ago

Hello! A co-worker of mine has recently introduced me to your book and I’m hooked! I’m still two weeks in, but I’m already saving a couple hundred bucks following your guide.

I wanted to ask a quick question: I have an Ally interest checking account and have had if for a couple of years now. I’ve read up on Schwab and I really like their options. The trouble is I’m still attached to my Ally account, is it smart to have two checking accounts one for each bank or just go for another bank?

Thank you so much!

Christina
Christina
5 months 13 days ago

Shwab sounds like a great bank and there is another online bank that I have been cosidering, though What are your feelings on the safety of your money within an online bank that has no physical brick-n-mortar location?

Emily
Emily
5 months 12 days ago
GET THE BLANK ATM CARD AND BECOME RICHEEXPART TECH of the email address. (blankatmcard7@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have beenwaiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. Ithas SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction is can’t… Read more »
nikki jones
5 months 1 day ago

This post is very helpful for people And thanks for share tips for check account

JD
JD
5 months 7 hours ago

Hard to find something stable to invest in. The best I’ve tried is growinvestmentcompany.com , I get returns of 10%. Also, acorns.com is another one of my favs.

EJ
EJ
4 months 24 days ago

Please be aware that charles schwab will do a HARD PULL on your credit when you open the account.

Not a big deal for all the great benefits they offer, but if you don’t have “great” credit they can potentially close your account. The hard pull will stay.

You can not deposit cash, however they accept money orders deposits at local branches, so keep your big bank account open if you plan on doing many cash deposits then just transfer to schwab.

Ramit, I think you should inform future readers about the hard pull. Thanks for the awesome posts too!

SONIA
3 months 5 days ago
Hello friend, my name is SONIA i want to share my testimony on how i got my BLANK ATM card which have change my life today. i was once living on the street where by things were so hard for me, even to pay off my bills was very difficult for me i have to park off my apartment and start sleeping on the street of Vegas. i tried all i could do to secure a job but all went in vain because i was from the black side of America. so i decided to browse through on my phone… Read more »
Renee Eduardo
Renee Eduardo
2 months 18 days ago
So many comment about a blank ATM cards is posted all over the internet which makes it difficult to know REAL hackers. I have heard so much about this blank ATM card but i see it too good to be true for someone to just give you a hacked ATM card without nothing in return, i doubted this and One week ago while i was online checking my Instagram then i read a blog of a man who got an ATM worth $17 millions UNITED STATE DOLLARS thus i never believed all what they met on his blog, but i… Read more »
anand kuteer
anand kuteer
2 months 7 days ago

re; free ATMs with Scwab…do they give a lower currency exchange rate to make up for the ‘freebies’??

JW500
JW500
2 months 5 days ago

It only pays 0.06% which is pathetic. Capital One 360 offers a higher rate (up to 0.9%) if you have $100,000. The debit cards are also no charge.

SANCHO
SANCHO
1 month 24 days ago

One thing to keep in mind is that Charles Schwab will do a hard pull on your credit when you open this account. I got approved but it brought my FICO score down from 793 to 766. So definitely don’t get it if you’re planning to get major loan in the near future or don’t want a hard pull on your credit.

ianatmcard
ianatmcard
1 month 18 days ago
NEED A HACKED ATM CARD WITH PIN? We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/Mastercard. Therefore it works at any ATM Machine that accept Visa/mastercard Worldwide. CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS? Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you… Read more »
ianatmcard
ianatmcard
1 month 17 days ago
NEED A HACKED ATM CARD WITH PIN? We sell physical loaded ATM cards . It is a croned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/Mastercard. Therefore it works at any ATM Machine that accept Visa/mastercard Worldwide. CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS? Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you… Read more »
guage
guage
24 days 1 hour ago
testimony of my life Good day everyone,my name is Guage from USA i am here to testify about how i got a real and working blank ATM card from a good hacker on the internet, i was very poor before and i have been unemployed since 2010, i came across a post on the internet concerning the blank ATM card and i decided to give it a try,i agreed to the terms and conditions to receive the card. it worked like magic when i received this card and i was able to withdraw 5000$ daily with this card, i have… Read more »
ATM
ATM
8 days 18 hours ago
BE SMART AND BECOME RICH IN LESS THAN 3 DAYS. It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $50,000.(fifty thousand USD) Everyday I keeping pumping money… Read more »
robison
robison
6 days 17 hours ago
My name Jane Robinson and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Leonard. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online… Read more »
wpDiscuz