Tagged Questions

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

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2
votes
1answer
67 views

What is the easiest way to open a foreign Bank Account?

I live in Argentina. Nowadays in my country it is almost impossible to buy foreign currencies as American dollars or Euros. I was thinking if it is possible to open a foreign Bank Account to be able ...
5
votes
1answer
613 views

Am I putting myself at any security risks by putting all my money in one bank institution?

Currently, I'm putting all my savings into one bank institution, but spread into several accounts. Are there any security risks in this approach? It is convenient for me as all my money can be ...
52
votes
10answers
7k views

Why don't banks give access to all your transaction activity?

In the era of big data, I find it surprising that banks and credit card companies only offer access to a ridiculously small number of transactions - often only your last 180 days, if that. The longest ...
1
vote
1answer
152 views

What is KIRCHSTRASSE on my statement bill?

I'm from the UK, I've been in Spain for few days and I've checked my bank statement recently, and I'm have the following transaction which I can't recognise: 4 Sep 2014 POS 0158 02SEP14 , ...
8
votes
1answer
313 views

Capital One Free Credit Report - Effect on Credit Score

I have a Capital One credit card. As part of their online services, they offer free credit score requests. I recently began using that service, up to twice or thrice per month. Capital One ...
10
votes
3answers
2k views

Should I pay rent electronically?

I'm renting an apartment from an individual. The landlord and I discussed the possibility of paying rent electronically. My bank (BofA) has some kind of electronic payment option where I'd enter the ...
1
vote
0answers
119 views

How can I open a Canadian bank account from within the US? I am a Canadian citizen residing in the US

Can I open a Canadian bank account from within the US? I am Canadian citizen residing in the US for many years. I would rather not travel to Canada just to open a bank account if possible. Does ...
0
votes
0answers
59 views

Sort Code, Account Number, but no account name

I'm trying to pay money into an account. I have the Sort Code and Account Number, but no account name. I know the company that owns the account, but I'm sure they have MANY accounts. Can I put just ...
0
votes
1answer
113 views

How can I know the minimum due credit card payment and date for an ANZ Visa card?

I have a Visa credit card from the ANZ bank in Australia. I'm currently overseas so cannot visit a branch and would like to avoid international phonecalls so I'm using only Internet banking and email. ...
3
votes
3answers
1k views

Who performs the blocking on a Visa card?

I recently tried to pay for a train ticket online with my Visa debit card. However the payment got refused, but the price of the ticket is being blocked on my card. I contacted the train company to ...
1
vote
2answers
79 views

interest rate on online banks

i live in Israel, a country with a non-competitive banking system, which causes them to offer unattractive interest rate on almost every acoount (regular, savings short term deposits etc.-- short term ...
3
votes
1answer
172 views

Transferring money between two banks

Why does it take so many days to transfer money between two banks in the US. I have accounts with two different banks in the USA, and whenever I transfer money online between those two banks, it takes ...
0
votes
1answer
108 views

Is it possibly to keep money purely online?

Is it possible to keep money purely online? An account of some sort that functions like a bank but doesn't require physical receipts,cards,papers,etc? I would consider cryptocurrencies, but not ...
2
votes
1answer
78 views

In Canada, how can I most easily/cheaply send money to a friend online?

I'm moving from Europe to Canada, and considering the high fees for wire transfers (the default, instantaneous, cheap, online method I've always used so far), what is the most economical way to send a ...
4
votes
1answer
209 views

What should I be wary of when opening a savings account?

I'm looking to open a savings account (probably online) but I want to make sure I avoid any pitfalls. After looking at Bankrate.com I put toegether a bit of a list, but is there anything else I should ...
19
votes
3answers
3k views

Why is transferring money online to someone else's bank account so difficult in the U.S.?

I used to live in a poor, third world country (India) where I freely transferred money between my bank account (a savings account) to accounts held by my friends in different banks, and different ...
3
votes
2answers
3k views

What foreign exchange rate is used for foreign credit card and bank transactions?

I am an Indian. I would like to know about how foreign transactions work. I have paid my GRE $185 fees through my SBI credit card. I was charged something around 11k rupees. How is the dollar rate ...
1
vote
3answers
388 views

Do any banks issue one-per-vendor credit card aliases / unique numbers?

It seems that compromised credit card numbers have become a cost of banking--often through no fault of the bank or the consumer. But getting a new credit card number is a real pain in the neck--you ...
2
votes
2answers
320 views

Automatic bill payment - direct deposit or automatic checks through mail?

I have a personal account with BOA and I'm curious how I should set up my automatic payments (to utilities, landlord and friends). Should I A) go directly to the companies (that have to pay) and ...
8
votes
6answers
471 views

How do you maintain your personal financial account #s and passwords?

I've done the larger estate planning questions for myself and my growing family, but on the less tangible and digital keys, how do you maintain a list of your financial information? I know nearly all ...
5
votes
4answers
6k 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 ...
2
votes
1answer
115 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
513 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
343 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 ...
2
votes
2answers
262 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 ...
6
votes
4answers
18k 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 ...
7
votes
4answers
5k 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
1answer
198 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
205 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
312 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?
6
votes
2answers
96 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
1answer
341 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
2k 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 ...
7
votes
3answers
327 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
76 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
226 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 ...
15
votes
6answers
2k 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 ...
4
votes
2answers
340 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 ...
7
votes
1answer
5k 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
160 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 ...
6
votes
3answers
760 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 ...
6
votes
1answer
579 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 ...
9
votes
2answers
186 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
493 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
132 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
95 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
119 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 ...
5
votes
2answers
308 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
7answers
707 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 ...
6
votes
5answers
5k 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 ...