To be used for any questions related to Banking transactions that can be carried out online [web based]. There is another broder tag online-tools if the questions is not specific to Banking
5
votes
3answers
115 views
How to use debit card with money on savings account?
I see that a lot of banks offer savings account and current account with online banking. Usually the savings account can have instant access and some interest rate, while the current account has no ...
1
vote
1answer
43 views
How to automate and streamline saving for multiple large purchases?
My situation is the following:
I want to automate as much of my finances as possible
I want to have multiple savings goals (perhaps house, wedding, new car, or recurring 'savings' items like car ...
1
vote
2answers
141 views
Why are interbank payment (settlement) systems closed for weekends and holidays?
Why are interbank payment (settlement) systems (TARGET2, for example) closed for weekends and holidays?
Are they saving on the electricity of their servers or something? Or are they really checking ...
4
votes
2answers
156 views
Digital money pots?
I want to be able to create digital money pots, similar to the physical piggy banks people keep at home, i.e.
Pot 1: Money for food per month
Pot 2: Money for car fuel per month
Pot 3: Money for fun
...
1
vote
1answer
115 views
US Banks offering Security Tokens in 2012
I'm wondering what banks in the US offer security tokens (keyfobs or an Android app serving the same function). I'm having difficulty digging up any details about this, since every bank happily claims ...
2
votes
2answers
2k views
Why is there a delay on credit card transactions showing up on my online statement?
If I make a purchase with my credit card there is a delay of a few days before it shows up on my online statement.
If I make a purchase with my debit card it usually is displayed that day.
Why the ...
5
votes
4answers
769 views
How to change a large quantity of U.S. dollars into Euros?
What is the best way to change $30,000 dollars from the U.S., into Euros to Europe ?
Is an international bank account the best solution? If not, then what?
1
vote
0answers
104 views
How do I remotely open a bank account in Thailand?
A friend of mine told me that Thai bank account has no limitations in paypal for transfers, etc. I would like to try it out and open bank account in Thailand, register paypal account for it and use it ...
1
vote
0answers
115 views
What is a Typical Quickbooks Workflow?
I would appreciate a coherent outline of a typical Quickbooks workflow. Basically a list of what should be done and when/where from inception all the way down to reconciliation of downloaded ...
2
votes
3answers
170 views
Is it possible that your bank balance goes to negative
Recently I was in Spain and I withdrew all money from my account while returning. At night I checked my balance online and it showed -250 Euros. Is it possible? Should I have done something about it?
5
votes
2answers
76 views
How can I evaluate a bank's online connectivity?
How do I evaluate a new bank or credit union's online system?
I use quicken and I currently have problems like unexpected down time from the bank or quicken saying there are no more transactions ...
3
votes
0answers
185 views
Which institutions in Canada offer true read-only guest accounts?
I've been reading a lot about Mint.com and Yodlee, but I just can't get over the fact that they store a set of credentials which could be used to empty your bank account if they fell into the wrong ...
5
votes
5answers
765 views
Joint bank account - is this normal?
I've recently opened a joint bank account with my fiancee. And yet, everything seems to be in his name, with me tacked on as an afterthought. Is this the normal way of doing things? If I were to move ...
5
votes
3answers
228 views
Is a “secure key” token for authenticating to online banking really more secure?
I have one of these secure key things, that I have to use to log into my bank account. It is extremely annoying, and makes mobile banking awkward. So I want to know if it's worth it.
The key, once ...
2
votes
1answer
69 views
Security of Online Bank/Brokerage/Mutual Fund Accts?
Online bank/mutual fund/brokerage accounts and electronic transfers make it easy to move money around. However, I've started to wonder a little about the security. Assume for the sake of argument ...
3
votes
3answers
126 views
Online savings or money market account with a guaranteed rate?
I'm planning to move my rainy-day fund into an online savings or money market account in the near future. For a couple of months, I've been keeping an eye on rates and recommended accounts at sites ...
13
votes
6answers
785 views
Why do banks encourage me to use online bill payment?
In the US, most consumer banks offer online bill paying. It's convenient for me, but what's in it for the bank? Many vendors take payment electronically, but some require a paper check sent via the ...
3
votes
1answer
160 views
investing - where to trade online? (Greek citizen)
I wanted to know if you could help me a bit because online searches didn't bring back many results (at least what I was looking for, ie non-Greek banks, etc).
Can you recommend any sites where ...
6
votes
1answer
1k views
Why doesn't Bank of America or Wells Fargo have free ACH push or pull funds transfer?
Using my credit union's account I can do free ACH push or pull from both of my Bank of America or Wells Fargo checking accounts.
However, I was wondering why doesn't Bank of America or Wells Fargo ...
4
votes
1answer
121 views
Feedback regarding online services of credit unions like Alliant
I am considering opening an online account that I can operate over the internet with a CU.
Would it be possible given that I am a international student on a F1 Visa in the US and not a US Citizen or ...
5
votes
3answers
181 views
How can a freelancer get a credit card? (India)
I work freelance for clients, in other countries, and paid via Paypal and other methods. When I applied for a credit card in my country, it was rejected.
They mention as I don't get a salary and I ...
5
votes
1answer
207 views
What is the usual delay for a SEPA transaction?
I wired some money from France to someone having an account in Germany, using a SEPA (Single Euro Payments Area)
My bank acknowledged the transfer, and the person is telling me his didn't. He is ...
8
votes
2answers
139 views
What do I do with the paper check when I make a deposit over the Internet
Just opened an account at a credit union that allows me to make deposits over the Internet with my scanner and a Java app.
I assume I need to keep the actual check for at least until the money shows ...
4
votes
2answers
218 views
What banks work best with accounts in multiple states?
Many years ago I opened my first account at Citibank thinking it's a "global" bank and I can use it for years. Since then i moved many times and eventually to a different state. As I found out to my ...
2
votes
1answer
93 views
U.S. banks with their own financial aggregator online tool?
What banks in the U.S. have their own financial aggregator?
I know two banks in Canada have them: RBC’s myFinanceTracker and BMO’s MoneyLogic.
I don't expect a better product than Mint.com, but at ...
4
votes
1answer
92 views
What are the some banks for businesses looking to handle *everything* online?
My business works with contractors and customers around the world and I have plans for long-term travel for myself. The small local bank I'm currently with doesn't seem like a good fit for my company. ...
4
votes
3answers
108 views
Which bank(s) allow you to open AND close CDs online?
Most banks allow you to transfer money into a Certificate of Deposit (CD) using their website. However, once you open a CD you usually have to call to close or otherwise modify the CD account when it ...
3
votes
2answers
197 views
Does any online payment system use OpenID authentication?
Does any online payment system (something like PayPal or the web site of a banking institution) make use of OpenID?
2
votes
6answers
518 views
Are there any banks with a command-line style user interface?
I am bit fed up with my local banks that are click-click-click-...click type of banks, every time I use them I get a sense of absurdism. If I am doing anything a bit more specific like doing abroad ...
4
votes
5answers
2k views
Is there such a thing as a deposit-only bank account?
My employer wants me to give my routing-numbers, social-security numbers, and basically everything else required to take money out of my account, to several third-party direct-deposit websites (one ...
14
votes
5answers
3k views
What U.S. banks offer two-factor authentication (such as password & token) for online banking?
Do you know of any US banks that allow you to have two-factor authentication (i.e. password and token) for your online account? Paypal does that, but it's not really a bank. For some reason banks seem ...
5
votes
4answers
206 views
Advice on selecting a bank in the US
I'm moving to the US soon so I need to choose a bank to open accounts with. Does anyone have any advice on which banks or credit unions are good or particularly bad?
For the purposes of this ...
6
votes
5answers
268 views
Checking to brokerage transfer latency: Why does it take 3 days to move money, even at the same bank?
It takes my bank 3 days to transfer money back and forth to my brokerage account, even though my checking and brokerage accounts are both with the same bank.
I don't understand why in the digital age ...
13
votes
5answers
6k views
US bank w/ free online incoming/outgoing international wire transfers, no monthly charges, online application
What US banks let me do the following:
% Send and receive international wire transfers for free
% Send wire transfers online
% Pay no monthly fees
% (optional) Apply for an account online.
...
6
votes
4answers
232 views
What is an alternative to bank CD accounts that would pay slightly more interest?
I am looking for an FDIC (or other reliable body) insured account that pays more in interest than CDs. What is the next step up, interest wise, from CDs, even if it means tieing up the money longer ...
9
votes
4answers
311 views
Remote Deposit a check (By scanning) for non-business users?
Does anybody have a first hand experience with scanning a check and posting it (either by email or a bank web interface) and willing to comment about the experience ?
What Banks in the US support ...
5
votes
2answers
98 views
Do there exist any wikipedia type sites for evaluating financial service providers?
How do people go about getting a feel for the soft features of financial service providers?
My biggest criterion in purchasing financial services, such as bank accounts or investment accounts, aside ...
4
votes
5answers
457 views
What are the drawbacks to using my bank's online billpay service?
I'm thinking about signing up for my bank's online bill-pay service, but I'm concerned about putting someone in between me and my service providers. My questions:
Have you had any problems with ...
8
votes
3answers
647 views
If banksimple.com is not a bank, what is it?
I came across Banksimple.com, and I was wondering whether or not it is safe to entrust your money to.
The About Us page says
We partner with select deposit-taking
institutions. We spend our ...
9
votes
8answers
842 views
Is ING Direct Orange Savings a decent online savings account?
I'm looking for a good savings account that's 100% online and provides a good interest rate. I saw ING Direct (http://home.ingdirect.com/products/products.asp?s=OrangeSavingsAccount) and it this ...
0
votes
2answers
327 views
On-line banking account with Maestro (or some other debit card)
I need an account outside of Croatia where I live in, to link it with PayPal to be able to gather income generated by it. I would like to avoid USA banks, and in fact, I would like to find the ...
8
votes
2answers
4k views
How does mint.com connect to online banks in order to get or download transaction data?
How does mint.com connect to online banks in order to get or download banking transaction data?
Do banks have a standard mechanism for mint.com to connect, or is mint.com simulating a real person ...
5
votes
2answers
187 views
Is there any site to compare the security of (online) banking services?
I work in the computer industry, and I know a few things about security, like the fact that those "security questions" that you're asked for are pretty much completely bogus and not useful as ...
27
votes
4answers
792 views
Are bank customers allowed to provide username & password to sites like Mint.com?
This question is not about whether Mint.com is secure, or not. That is beside the point. (Refer to this question on the subject of trusting Mint.com and similar services.) Rather:
Are bank ...
9
votes
2answers
247 views
Bank of the Sierra: Are they legit? How can the checking interest APY be so high?
As of February 8th, 2009, Bank Of The Sierra offers a free checking account which earns a 4.09% APY. It looks like the catch is that you pretty much have to use them as your main bank. You need to ...
6
votes
1answer
350 views
Which non-bank-specific online money management applications work for Canadian banks?
Mint.com has languished for years (over three now) in not supporting Canadian banks. Given that we only have a few, you would think it to be a small amount of work.
Update: Mint.com now supports ...
12
votes
6answers
1k views
How easy is it to open a foreign bank account via the internet?
Has anyone attempted opening a foreign bank account, if so what was your experience? how easy was it? Which country?
8
votes
3answers
541 views
Which bank (checking & savings) offers the best interest rates, lowest fees, and is FDIC insured?
We currently use ING for our banking and like a lot of its amenities, but their rates (as most banks, I'm sure) keep going down, down, down. The current savings rate is 1.25% APY and checking rate is ...
5
votes
1answer
2k views
How do I know my Citi credit card account number, for setting up a Virtual Account Number?
I have a credit card from Citibank, and I want to create an Online Account¹ (a virtual credit card number) but it asks me for my "Credit Card Account Number". Upon entering my credit card number ...
