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Tagged With "Bank Accounts"

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Re: High-interest savings accounts

Adam ·
Since this post, my Ally account shot up to 2.2%! I'm also seeing some bigger banks upping their game. Discover now has 2.10% APY savings account, which ain't too bad.
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Re: High-interest savings accounts

Vanessa ·
How are you getting 2.4% at Ally? Mine's only 2.2% right now.
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Re: High-interest savings accounts

Adam ·
No, you're right! That was a typo on my end. Ally upped their rates to 2.2%. I'll edit my other post
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Re: Hello new members!

BeckAtsila ·
I'm disabled, too, and I've found mystery shopping to be an excellent source of income. I also write and proofread. I don't know about your SSDI status, but you might want to look into an ABLE account so you don't get penalized for saving money.
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Re: Best On Line Savings/Money Market Accounts

Ann Josiah ·
I am working on it. Can share information
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Re: Best On Line Savings/Money Market Accounts

Mo Brownies ·
Hi, I just did some research for a friend who has a kid and was looking at some options. This one is interesting, there is a waiting list. but its the biggest APY ive seen yet. IntrX app - 2.91% APY TAB Bank 2.40% APY $1 minimum Online and Mobile banking Synchrony Bank 2.20 APY No minimum Online and Mobile banking My Savings Direct 2.40% APY No minimum Online and Mobile banking Restrictions on how deposits are made Ally 2.20 APY No minimum Online and Mobile banking Vio Bank 2.39 APY No...
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Re: Best On Line Savings/Money Market Accounts

Lucy ·
Thanks for the great info! These on line banks definitely beat traditional store front banks as far as interest. Appreciate the feedback!
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Re: Savings Account Apps?

Mo Brownies ·
Hi, I just did some research for a friend who has a kid and was looking at some options. This one is interesting, there is a waiting list. but its the biggest APY ive seen yet. IntrX app - 2.91% APY TAB Bank 2.40% APY $1 minimum Online and Mobile banking Synchrony Bank 2.20 APY No minimum Online and Mobile banking My Savings Direct 2.40% APY No minimum Online and Mobile banking Restrictions on how deposits are made Ally 2.20 APY No minimum Online and Mobile banking Vio Bank 2.39 APY No...
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Re: Best On Line Savings/Money Market Accounts

Mo Brownies ·
OMG I JUST FOUND THIS!! https://www.t-mobilemoney.com/en/home.html 4.00% APY under $3000 and the following requirments Have tmobile wireless account deposit $200/month sign up for tmobile perks Now with these stipulations you can max. your money. See the secenarios below. T-Mobile Money states you will make 4.00 APY if you have the fall in line within the 3 listing eligibities above. If you go over the $3,000. this means that the $3,000 will make anywhere between 2.79-4% APY and anything...
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Re: Savings Account Apps?

Mo Brownies ·
OMG I JUST FOUND THIS!! https://www.t-mobilemoney.com/en/home.html 4.00% APY under $3000 and the following requirments Have tmobile wireless account deposit $200/month sign up for tmobile perks Now with these stipulations you can max. your money. See the secenarios below. T-Mobile Money states you will make 4.00 APY if you have the fall in line within the 3 listing eligibities above. If you go over the $3,000. this means that the $3,000 will make anywhere between 2.79-4% APY and anything...
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Re: Best On Line Savings/Money Market Accounts

Moore Income ·
Thanks for sharing such a comprehensive list! I did check on the DCU website and it does actually say there is a $5 minimum. Not that it makes a huge difference but just sharing what I saw. I have also used Aspiration which pays a 1% APY with no minimum or fees. I am also trying out the Haven Money savings account which pays 2% APY and up to 4% if you refer enough people.
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Re: Who taught you your most important money lesson and what was it?

Bonnie Squires ·
Once I get my tax return I putting a good amount of money in the bank. Once I get a bill from my old place paid off than that will go into the bank account it wont be much only $10 a week but that an extra $40 a month in the bank.
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Re: Discover Savings Accounts

Moore Income ·
Thanks for sharing. I am wondering which specific savings account it is that gives you the 3%? I searched Discover Savings Accounts and came across this page https://www.discover.com/onlin...ing/savings-account/ but it only shows an account with 2.10%
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Re: High-interest savings accounts

Alexis Grant ·
Saw a great blog post on this recently: https://chiefmomofficer.org/20...s-of-accounts-today/
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Re: Hello new members!

ERoberts ·
Hey there! I'm Emily, an advertising account manager here at The Penny Hoarder. My big financial goals this year are to rack up my savings and get over my fear of increasing risk in my 401K portfolio. Hoping to learn more penny saving tips and tricks here, and maybe even share some of my own!
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Re: Get Paid to Open Bank Account

Deon Christie ·
I'm not familiar with the area @Wen Dee . I'm in South Africa. But I do know that Payoneer will give you $25 on your first deposit of $100 or more. And your debit card get delivered at your door. Service fees for an account is $3 per month. Just let me know if you need more info. Hope this helps.
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Re: Get Paid to Open Bank Account

Moore Income ·
@Wen Dee I also cannot say specifically for your area but I did find this website post that might help answer your question. I cannot personally vouch for any of the info but they seem to have some good insight. I personally have been frustrated after signing up for a local bank here in Fargo, ND. They offered a promotion but then made the "details" obscure and not very clear. We ended up not getting anything at all and they had some sort of reason (excuse) for why we did not qualify. I...
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Re: How Many Bank Accounts Is Too Many?

KellyFromKeene ·
I'm laughing at your headline because i was just discussing this with someone yesterday. I have about 10 as well, and with 3 different banks. Some of them have a single purpose (reduced car loan interest rate at a particular bank if I use direct debt, so there's account just for that), one for each child that I put $10 in each payday, and others that are more general. There's obviously one that I use for everyday stuff- general bills and debit card. I love the different accounts! I use...
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Re: How Many Bank Accounts Is Too Many?

Moore Income ·
@KellyFromKeene I agree with you, it is a really great way to save money without really thinking about it. I have one app that pulls $5 from an account every week and I occasionally add some extra. Just doing that I built it up to over $300 pretty fast without really even missing the money. @mintjulep It can definitely get a little hectic the more accounts you have, I am still trying to develop an effective way to organize mine.
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Re: Would you rather have $1,000,000 today, or a penny a day that doubles in value every day for the next 30 days?

Kaitlyn ·
Since we're speaking compound interest, If the penny would double in 30 days, then I'll take the 1 million dollars keep 100,000 to take care of some things then put the rest into a savings account and watch that double. I'll get more over time with a million dollars than with a penny.Haha nice try.๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š๐Ÿ˜Š
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Re: Hello new members!

Martha R Lopez ·
I recently put a fraud alert on all the credit report's because I received a card that .I was in a class action lawsuit and. I haven't heard from them ye.but I started receiving alot of inquires and .I didn't realize what was happening until .I got overwhelmed with all these letters of denied action and my credit score has lost alot of points on the account of all this so. I don't know what to do from here .I need help so IF you can let me know what do. I do from here Thank you Martha Lopez
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Re: Hello new members!

Martha R Lopez ·
Re: Hello new members!
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Re: Aspiration

BJLEE ·
@Moore Income Is it hard to connect multiple bank accounts? Can any account be connected to another?
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
That is awesome that you are able to make this available to Penny Hoarders! I wish I could do it but unfortunately I already have an account. To anyone who doesn't, I definitely recommend highly!
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
It has to be opened by today?
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Re: Get $100 when you open a new account with Aspiration!

Theodora ·
@Moore Income Please see The Penny Hoarder's article on the promo: https://www.thepennyhoarder.co...ration-sign-up-bonus
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Re: Aspiration

Theodora ·
@Soraima Dรฉniz Pรฉrez they don't yet have a built in Zelle integration -- you could transfer funds to another account but it's not as quick and easy as it is with Zelle at other banks, etc.
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
BRIANA This is great that you could offer this to the group here. I all ready have an account with them but up till today new members like me get $25 and $25 for the charity but it ends today
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
@Theodora Thanks. I just wasn't sure but it does say April 30. I was hoping it was a bit longer so I could recommend it to others.
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Re: Get $100 when you open a new account with Aspiration!

Wanda J. ·
I did everything asked for on app but was unable to link accounts and only offering me $50 to join? They have taken out $2 out of my account? I have emailed company but no reply??
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Re: Get $100 when you open a new account with Aspiration!

friardave ·
I kept getting spam by them. No thanks.
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Re: Get $100 when you open a new account with Aspiration!

Wanda J. ·
I keep getting emails! Took $2 out of account!
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Re: Get $100 when you open a new account with Aspiration!

Briana ·
We're going to contact Aspiration to make sure they connect with you asap. Thanks for letting me know!
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
WANDA J. I think the $2 they took out is monthly fee Which you can set to 0 . You will need to go into your setting and change it. I'm on a lap top so I don't no if its different from a phone but you can see where it has Pay What Is Fair It be fee setting click this and you can change it to 0 or up to $20 I think. MOORE INCOME my be able to help more. I just open my account so i'm still learning.
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
BRIANA could all so could be a monthly fee to. If so than it would need to be changed.
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Re: Imagine you find $100 on the ground. What would you do?

Leslie Kay ·
I usually find money tucked away in my own phone or apron or weird places like a coat pocket and it is like finding free money. I put it in to the bank or pick up necessities. It's always a win though. In the past I would have blown it but this year I am on a mission to pay down debt. Right now all of my utilities have a 0 balance and I just keep going to their websites and looking at it. This leaves me an emergency month if I can't make the payment next month. I am working on my credit card...
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Re: Sign Up

Briana ·
What offer are you referring to? Aspiration? That offer is only valid if you don't already have an account.
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Re: Sign Up

Bea Burton ·
i don't have account trying to get one
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Re: Hello new members!

Igor Lima ·
Hello, my name is Igor Lima, and i`m a very blessed person to work with what i love so much, which is the sport of Gymnastics !!! Always loved the valuable tips the penny hoarder always have to give. Im looking to get out of the paycheck to paycheck cycle and stop getting my account overdrafted so often. Enough is enough and from now on i`m really comiting myself to do something and finally change once in for all. Looking forward to exchange how that goes and trying to get myself more self...
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Re: Need a new cell phone

katleigh ·
Kathryn, Hey Kat here. Just saw your post. Happy 4th of July btw. Ok so I know buying a phone can be hard on the bank account, which is why I never go with a contract account for my mobile needs. All of your prepaid companies out there always have one of the newest top selling brand cell phone usually free for any new customers that will port over their cell number. Just do a lil leg work by locating your local Metro by T-Mobile, Cricket and Boost and ask them what kind of in-store deals do...
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Re: Secret Money Saving Hacks

Debbie Kolarik ·
Iโ€™ve been using the Ibotta app for 4 years and have earned almost $500 on items I normally buy. All you do is add offers to your account - once youโ€™ve bought the items, you take a photo of your receipt and then scan the UPC code on the product. You can also make extra bonus $ by joining a team and working together towards bonuses. Payment is made via PayPal. Itโ€™s so easy and the money adds us fast!
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Re: Applying more each month to payments

AverageJoe ·
Vivian and I always try to put a minimum ot 10% on the bills, and if there is overtime that week, we try and put up to 20% on it. At one point on our electric bill, we had enough in the account where we wouldn't have had to pay anything for a year. On water, we had enough for eight months, and on the telephone and satellite, there was enough take care of between six to eight months of payments. My grandfather was the one who taught me to do this. It helped when my grandmother had to have...
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Re: Applying more each month to payments

Briana ·
Wow! I love this. Your grandfather sounded like a very intelligent man.
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Re: Best bank to use?

Moore Income ·
I use quite a few banking apps. Chime is my personal favorite in the ones mentioned in the article Briana shared. I have been using it for my side gigs and business to separate that income from my other income. I have a more local bank for my other more personal finances. I have never been interested in banking with US bank. For as long as I have known about them, I just could never see enough benefits in banking with them. One bank that I have considered using more is CITI. I have a couple...
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Re: Best bank to use?

Moore Income ·
One of the biggest factors in my opinion is the interest rate they pay for you to keep your money with them. With all the new banking apps, interest rates are getting pretty competitive so any bank that pays less than 1% is no good in my books but that number is quickly moving to 2% (Its crazy how much interest they charge to lend their money to other people but then pay so little to use our money for this purpose) The other big factor that I look at when choosing a bank is FEES. Little to...
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Re: Best bank to use?

AverageJoe ·
MSKIMBERLY, I agree with @mooreincome as well. I agree with him about US Bank. Personally, I would not choose Bank of America or Wells Fargo. I had a family member work for one of the two, and the other worked for the other. Their interest rates on their savings account were and still are terrible, and their business practices aren't good. If you make a "complaint" against either bank, they investigate themselves, and, of course, we know that's like a fox guarding a chicken coop. They're...
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Re: Family and Finances- How much did you learn growing up?

MountainFan ·
@KellyFromKeene I agree completely! I've even had strange dreams a few years back where I was thrown back in time- and the #1 thing to do was make sure I opened a savings account. Talking openly about things is really smart and important. I should do that more, but I'm worried my debts overwhelm my spouse. My spouse grew up with very little money and went through a lot of hard times, but also managed to not have any debts. They are never upset or negative about money when I do talk about it-...
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Re: Family and Finances- How much did you learn growing up?

sthom ·
I grew up in Mississippi. My mom pretty much handled the finances in our house. She was a teacher and librarian, and my dad worked worked in a packing house (but he's the one who taught me how to balance a checkbook, how to count back change, how to read a map, cooking, gardening, the list goes on). I think teachers are pretty organized as a whole, making lists, checking them twice LoL. I learned about finances pretty much by watching, being sent to pay households with checks. Then, you...
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Re: Family and Finances- How much did you learn growing up?

Katie Pellicano Leslie ·
According to my parents and older siblings you could've called me a money hoarder. I did jobs around the house at 4 to earn money. My mom was a saver, but my mom always had trouble with my dad. They ran a business until he retired. Out of the 3 of us, my mom said I am the best at saving, then my brother, and my sister use to be okay at it but not good over the years. I guess I remember always afraid of being broke. I cried when my mom took my money to the bank (age 4)until I understood the...
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Re: Family and Finances- How much did you learn growing up?

TekkieChikk ·
Like you, I came from a lower class family... my dad worked in a steel mill and mom stayed home. Both were children of the 1930's. At the time we were probably considered poor, but didn't know it. Thanks to the 'you only spend what you earn' mentality of both parents, I learned how to save from a young age. All three of us kids had savings accounts through school (mom would send us with a quarter or fifty-cents as she had it). If I wanted something beyond the necessities provided by my...
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