Checking account - which is the best?

Amazon / Product
wewewewe

Go to company page Amazon Product

wewewewe
Jul 1, 2019 12 Comments

I’m currently using HSBC, however my promo period of 5 years is over and they will charge me $12/month if I have less than $10k with them.
I’m looking for a new checking account, here is my wish list:
- no commissions
- rebate on debit card ATM withdrawals
- free check books (one a year would be great for my needs)
- bank also offers 1%+ savings account
- free ACH transfers
- ability for international transfers

There are too many options out there, so I’m looking for advice.

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TOP 12 Comments
  • I would never ever keep my money in a bank charging poor tax. Actually I would never keep my money in a bank, period. All my cash is spread across a couple of local credit unions, solely for the customer service and low to none fees. Yeah, low interest, not a lot of money made from dividends but that’s not the point. You shouldn’t be keeping cash for that purpose.
    Jul 1, 2019 1
    • Apple / Eng
      Marijuana

      Go to company page Apple Eng

      Marijuana
      I find that local credit unions tend to have issues with their apps/tech.

      Also OP wanted ability for international transfers, and local credit unions don't handle those situations well either.
      Jul 2, 2019
  • Google
    KissMyPiss

    Go to company page Google

    KissMyPiss
    I use Chase and like them. Technology is an A and service also an A. I used BofA before and their tech is soooo clunky. Chase has a $1500 min for most stuff. I like having a nationwide bank in case I need cash quickly (e.g., buying a car).
    Jul 1, 2019 1
  • Oracle
    DjWaleBabu

    Go to company page Oracle

    DjWaleBabu
    Check out local banks or credit unions, they offer free checking accounts without any requirements. You might be able to get free checks as well.
    Jul 1, 2019 0
  • Apple / Eng
    Marijuana

    Go to company page Apple Eng

    Marijuana
    Schwab, E-Trade, potentially Aspiration.

    Why does savings have to be at the same bank? My savings account is with Goldman Sachs (Marcus).
    Jul 1, 2019 0
  • (Chase checking + SoFi money) works great for me so far. SoFi money satisfies all your requirements except for international transfers, where Chase comes in play.
    Jul 2, 2019 2