Joint Checking Accounts

[SkinnyBenny]

Just got married and once my very lazy and inefficient state mails back the marriage certificate and my wife's name change thingy we'll do the joint checking account. Thinking Schwab because of the no fees ever thing and the brokerage thing but open to just about anything right now. Currently just shopping around. Married cats! Tell me which bank to go with and why.
 

[SkinnyBenny]

Sidenote we are so whatever deals best with millionaires is what we'll need.

[steve dave]

first national bank. reason? they have an ATM in my office for the rare occasions I need cash. source: A+.

[SkinnyBenny]

first national bank. reason? they have an ATM in my office for the rare occasions I need cash. source: A+.

Sounds good. Mods, lock thread.

[ChiComCat]

Centennial Bank - They do my mortgage so I let them hold my account to automatically yank money from

SD does make a solid point though

[The Tonya Harding of Twitter Users Creep]

would not recommend Commerce Bank (no NOLA locations)

[The Tonya Harding of Twitter Users Creep]

also Kansas State Bank

[puniraptor]

Central National Bank

MONEY 4 #LIFE

[SkinnyBenny]

Thought about Kansas State Bank because I like being able to go to Chinese Chef after sending the deposit canister up the drive-through tube, but apparently now it's Chen's or something.

[_33]

US Bank; they let you put cool designs on your debit card; I have a golf ball.

[SkinnyBenny]

Charles Schwab apparently reimburses you for every single ATM fee everywhere. This is important to us because we are stud travelers.

[Emo EMAW]

We went with a credit union because I thought I'd get a better rate on our mortgage.  Well that wasn't true at all.  But at least there's an ATM in my building.  That's a pro, I guess. 

[Rage Against the McKee]

Charles Schwab apparently reimburses you for every single ATM fee everywhere. This is important to us because we are stud travelers.

I use a credit union that does this. It's nice for the 2-3 times per year that I have to come up with some cash.

[SkinnyBenny]

Charles Schwab apparently reimburses you for every single ATM fee everywhere. This is important to us because we are stud travelers.

I use a credit union that does this. It's nice for the 2-3 times per year that I have to come up with some cash.

Yes. Bigger deal if you live in New Orleans because this city is supes behind the times and there are tons of places that only take cash for some dumbass reason.

[Rage Against the McKee]

Charles Schwab apparently reimburses you for every single ATM fee everywhere. This is important to us because we are stud travelers.

I use a credit union that does this. It's nice for the 2-3 times per year that I have to come up with some cash.

Yes. Bigger deal if you live in New Orleans because this city is supes behind the times and there are tons of places that only take cash for some dumbass reason.

Those places cheat on their taxes.

[Emo EMAW]

Charles Schwab apparently reimburses you for every single ATM fee everywhere. This is important to us because we are stud travelers.

I use a credit union that does this. It's nice for the 2-3 times per year that I have to come up with some cash.

Yes. Bigger deal if you live in New Orleans because this city is supes behind the times and there are tons of places that only take cash for some dumbass reason.

rampant corruption, money laundering, etc

[MakeItRain]

If you travel a lot use a credit union that's a part of the co-op network.

http://www.co-opsharedbranch.org/
http://co-opatm.org/

[Emo EMAW]

If you travel a lot use a credit union that's a part of the co-op network.

http://www.co-opsharedbranch.org/
http://co-opatm.org/

Is there an easy way to find an in-network ATM from a smart phone?  Like an app or something?

[_33]

I forgot my pin # about 5 years ago but I'm still waiting for it to matter.  The only thing I'm worried about is that a criminal will have a gun to my head and yelling at me to tell him the number and I won't know it, and then I'll just make one up and he'll punch it in and it won't work and he'll kill me.

[MakeItRain]

If you travel a lot use a credit union that's a part of the co-op network.

http://www.co-opsharedbranch.org/
http://co-opatm.org/

Is there an easy way to find an in-network ATM from a smart phone?  Like an app or something?

Yes they have an app. My home credit union, Meritrust, has an app that shows all of the network atms and branches too.

[michigancat]

I really like Capitol One 360 (formerly ING Direct)

They don't have their own ATM network but instead uses a weird national network of ATM's at 7-11's, Targets, and scuzzy cash-only bars.

[nicname]

I pretty sure this doesn't apply to skinben for either reason, but if anyone is from a small town and/ or has questionable credit getting in good with a small town bank is pure gold. After awhile they don't seem to give a crap about your other credit history, know you personally and will bend over backwards for you.

My mom has crap credit from her p.o.s ex-husband. When she moved to a certain Kansas small-town 8 or 9 years ago she started building credit with them almost immediately. She started small at first and now, even with a modest income, she has built a pretty good credit relationship with the local bank there. Credit is still tough for her outside of that, but she really doesn't need to look elsewhere.

[puniraptor]

[pissclams]

why a joint account?  seems unnecessary

[KITNfury]

why a joint account?  seems unnecessary

Yeah.

I’m not married, but if/when I do become hitched, I intend to have 3 accounts. The bill paying one, mine, and hers.  Seems much easier to put x amount into each of our and y amount in the bill one. That way you can spend your money the way you see fit without starting arguments. She buys some expensive handbag? If it’s out of her account, who cares. You buy a wave runner without running it by her? Well, you used “your” money so she can’t say anything. Seems simpler. Kind of like you each get an allowance to do with what you want.