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Tagged With "Ally Bank"

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Re: Hello new members!

Nicole ·
Hi Nathan, Do you have any suggestions of apps or tools? So far, I keep accountable to my family & bank account. My situation is a little different.....I used to work in the financial industry actually. I'm a SAHM because I have a son with medical needs. Like most parents, I will spend any money it takes for my son to be healthy & happy. So our lives detour but we were still able to get lots of trips in last year as well as the unexpected 3 weeks hospital stay without incurring any...
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Re: Hello new members!

Nathan Taylor ·
Re: Hello new members!
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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: 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: 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: Imagine you find $100 on the ground. What would you do?

Angel195 ·
I put pay down debt, I probably would have put in the bank.
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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: Curious: If you had $10k start up cost, What business would you start?

Moore Income ·
@Adam this is true! Starting a business can be extremely profitable because in most cases they have done most of the hard work for you and you get to plug in an already profitable system. Chic-fil-a is a good one. They just recently opened one in my city of Fargo and business has been booming there since day one. Dunkin Donuts is also another popular one that is growing in recent days! I love getting coffee from Dunkin, unfortunately they do not have one in Fargo yet. With more popular...
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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?

Bonnie Squires ·
MOORE INCOME I've 2 in the same bank 1 i pay bills out of the other i use for credit cards and pay pal. I would like to get one where i can put money in to save like your $5 one. I think i've built up some good change saving I got a pringles can filled with change and my purse is so heavy with change.
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Re: What's the best way to teach kids about money?

tg ·
When my son (now 32) was 2 he was constantly asking me to buy things at the checkout (candy and junk at kids eye level.) I solved it and helped him learn about money in one swoop. We gave him an allowance - $0.50 a week. To earn that he had to do one age appropriate chore (which he picked and agreed to do.) Other chores around the house were also done, "because he was part of the family." Each week he received his allowance and had 2 piggy banks, he had to deposit a quarter into each of...
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Re: What's the best way to teach kids about money?

KellyFromKeene ·
@Buddy Hooper , that tree of plenty time bank looks interesting!! Have you used it? What's your experience been like? Thanks, @jmarr , for the info. I'm very big on gratitude and thankfulness, and think that's SOOO important to a happy life. I love hearing about young people with that attitude.
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Re: Aspiration

BJLEE ·
You can open multiple bank accounts
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Re: Aspiration

Moore Income ·
@Soraima Déniz Pérez You can have multiple bank accounts, you can even connect them together to make transfers from one bank to the other if you need to.
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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: Aspiration

Wanda J. ·
I just signed up for Aspiration and tried to sign up through Bank of America and had problems but customer service helped and using another bank. Hope it helps.
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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: Home Equity Loans / Lines of Credit

mintjulep ·
Hard to answer for you specifically, but we keep an open line of credit in the form of an equity loan for emergencies. We've had the most recent equity line for almost 5 years and have never tapped into it so therefore it's on paper only until we do use it, no monthly payments until we do. It can help improve your credit score if you responsibly make your payments. I look for as fixed a rate as possible, which is tough to find in an equity loan these days. And understand if you default, the...
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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: Best bank to use?

Briana ·
Here's a super comprehensive list of the best banks to use for different reasons that may be helpful to review: https://www.thepennyhoarder.com/bank-accounts/best-online-banks/ I've heard amazing things about Ally, but I'm not sure what apps they integrate with.
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Re: Best bank to use?

MsKimberly ·
I would like to hear what others have to say.
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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?

MsKimberly ·
This is for everyone. What makes a bank the best?
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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: Best bank to use?

Beckles ·
Check your local credit unions! There's even some online ones these days. They don't answer to a board, as a member you're part owner. Generally, savings yields are higher and loans rates are lower. And you'll get all the services and technology you get with a traditional bank. Good luck!
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Re: Best bank to use?

Theodora ·
Just signed on with Ally -- so far, so great and I'm thrilled to be rid of Bank of America!
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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?

Mrsmcbride ·
I grew up Working class. We were fine at first my mother worked at a bank and my father worked in the auto industry. When they divorced we fell into the lower class and we were just making ends meet. My father stopped working to avoid child support. SMH My mother taught me how to budget and live within your means. She taught me how to save to buy things we wanted but not to save for the long term. We used credit for emergencies and took a long time to pay it back. I am trying to teach my...
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Re: Hello new members!

Meri ·
Presently I have an appointment with a bank that will look into refinancing. It is incredible however, I made one call and I am being hounded by many for refinancing. I have a hard time trusting banking folks. I thank you Joe for your kindness.
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Re: Hello new members!

Lanasuehal ·
Meri: Never apply for financing at a bank. Go to a credit Union and open and account and then apply for a refinancing loan. Interest will be much cheaper and credit unions are much safer than banks. Most banks are fun by democrats and they are robbing people left and right doing loans.
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Re: Family and Finances- How much did you learn growing up?

AverageJoe ·
Mountain Fan, I was raised in a large family...I had two brothers still living, a third died six hours after birth and was the twin to the sister we lost to breast cancer in June. I also had three sisters. I was the oldest since, though I do have a brother and sister I've never met from my adoptive father (my mother's second husbands children from his first marriage) and then two brothers and a sister from my biological father's fourth marriage. I lived with my mother and adoptive father,...
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Re: Aspiration

Shannon H ·
Aspiration no longer has interest on saving account unless you make large monthly deposits or have $15,000 sitting there..... I have been unable to initiate transfers from Aspiration as their platform doesn't support ALL banks. I have to transfer in & out from my Huntington Bank account and it takes about a week....not sure that I will be keeping the Aspiration account that I just opened in March 2019...
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Re: ONLINE BANKS

E Allen ·
I have never heard of it. But in any case I have both online and local bank accounts. This would prevent me from being in a situation where I need to worry about how long it takes to get a card. I usually only walk around with one card for emergency atm or debit use and use a credit card for all other transactions.
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Re: High-interest savings accounts

AverageJoe ·
It is relatively easy. One takes and signs up for an account at the online bank of choice, fills out the requested information along with the amount to be transferred, and then there is usually a verification process, ie, the bank you're transferring will put in two small transfers to your account at the regular bank that equal less than a dollar. After these two have cleared, they will allow you to have the transfer take place. It usually takes anywhere from 3 to 7 days to ensure that the...
 
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