# Where do you keep your money? Online banks? Local banks? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [February 22, 2011, 4:17pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412 "2011-02-22T16:17:16Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Anonymity](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/anonymity/32/7215_2.png) [@Anonymity](https://forums.speedlife.net/u/Anonymity)\ **Post date:** [February 22, 2011, 4:17pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/1 "2011-02-22T16:17:16Z")
Who do you keep your money with? I am looking for a bank, or cu. Who do you use? and why? Do you use web, mobile banking? This is the gary burch way 🙂 [ATTACH=CONFIG]17278[/ATTACH] This is the N2o way… 🙂 [ATTACH=CONFIG]17277[/ATTACH] ---
**Author:** ![Jon](https://avatars.discourse-cdn.com/v4/letter/j/3bc359/32.png) [@Jon](https://forums.speedlife.net/u/Jon)\ **Post date:** [February 22, 2011, 4:26pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/2 "2011-02-22T16:26:16Z")
Bank of America. The online interface is excellent,its linked to my BoA CC,the mobile banking is good. I’ve never had any problems with them in the past 3 years. ---
**Author:** ![Jam](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jam/32/7235_2.png) [@Jam](https://forums.speedlife.net/u/Jam)\ **Post date:** [February 22, 2011, 4:33pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/3 "2011-02-22T16:33:53Z")
i bank at evans 1. online banking is awesome and really easy to use 2. 3% interest on checking account, which is also free. there are some rules ie. have to have auto bill pay and direct deposit 3. can use any key bank atm for free as long as you take out $100 or more 4. they are 1 min away from my apt, and 1 min away from my work errr, come to think of it there are none near you. lol ---
**Author:** ![Anonymity](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/anonymity/32/7215_2.png) [@Anonymity](https://forums.speedlife.net/u/Anonymity)\ **Post date:** [February 22, 2011, 4:45pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/4 "2011-02-22T16:45:02Z")
know of any promo’s going on? ---
**Author:** ![Motocrossx23](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/motocrossx23/32/5120_2.png) [@Motocrossx23](https://forums.speedlife.net/u/Motocrossx23)\ **Post date:** [February 22, 2011, 4:56pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/5 "2011-02-22T16:56:11Z")
Lol, what’s money? ---
**Author:** ![ieatpaint](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ieatpaint/32/7311_2.png) [@ieatpaint](https://forums.speedlife.net/u/ieatpaint)\ **Post date:** [February 22, 2011, 4:59pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/6 "2011-02-22T16:59:11Z")
^beat me to it. ---
**Author:** ![JayS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jays/32/15375_2.png) [@JayS](https://forums.speedlife.net/u/JayS)\ **Post date:** [February 22, 2011, 5:02pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/7 "2011-02-22T17:02:44Z")
HSBC right now, but I’m tired of how slow they are to innovate. No mobile banking No smartphone apps Old batch system running debit card transactions (shit takes forever to post) Probably moving my accounts over to M&T. I’d go with an online bank but the small company I work for doesn’t offer direct deposit so I want some place with a branch that is between my office and my work since every 2 weeks I actually have to deposit a check. ---
**Author:** ![burnt\_toast](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/burnt_toast/32/7518_2.png) [@burnt\_toast](https://forums.speedlife.net/u/burnt_toast)\ **Post date:** [February 22, 2011, 5:12pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/8 "2011-02-22T17:12:44Z")
I’ve been with the same credit union since i was like 12. The once “Orchard Park FCU”, now called “Great Erie FCU”. Seems like they have some negative ideas in store along with their new name, so I may be looking elsewhere too. ---
**Author:** ![EVOLUTION\_VIII\_MR](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/evolution_viii_mr/32/5187_2.png) [@EVOLUTION\_VIII\_MR](https://forums.speedlife.net/u/EVOLUTION_VIII_MR)\ **Post date:** [February 22, 2011, 5:50pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/9 "2011-02-22T17:50:11Z")
online saving at hsbc, offer around 1% interest on it they also have some refer a friend get some money, 25 gift card to amazon, friend deposits 500 or more they get 25 to amazon, not a big deal but i got that in an email the other day ---
**Author:** ![jabbu](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jabbu/32/7446_2.png) [@jabbu](https://forums.speedlife.net/u/jabbu)\ **Post date:** [February 22, 2011, 5:53pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/10 "2011-02-22T17:53:14Z")
HSBC for now, but I’ll be moving to a local bank shortly… If you need real loans, a local bank is so much more friendly and willing to help vs the big boys. I have a buddy at northwest, I think they are out of PA, local enough for me vs HSBC. They have a iphone app and text commands for other phones, I doubt i’ll see that on HSBC anytime soon. ---
**Author:** ![TradersBASE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tradersbase/32/5321_2.png) [@TradersBASE](https://forums.speedlife.net/u/TradersBASE)\ **Post date:** [February 22, 2011, 5:54pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/11 "2011-02-22T17:54:35Z")
I had an HSBC online savings early on when they paid 4.05%. I’ve watched that get chopped down with the central rate and to me 1% is not even worth bothering. That won’t beat inflation. It’s not worth 1% to have my money locked up in a bank in case the uber rare run on the banks was to occur. Bump it back to 4% and I’ll prolly look at online savings again. Jam has me interested at 3%…might be close enough for me to look. I’m pretty sick of HSBC myself. ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [February 22, 2011, 5:57pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/12 "2011-02-22T17:57:10Z")
old credit union and now TD bank… gradually going to move more to TD bank as time goes by but not in a rush. no clue what the interest rates are and i don’t keep anything in interest bearing accounts anyways… ---
**Author:** ![BigRon](https://avatars.discourse-cdn.com/v4/letter/b/58956e/32.png) [@BigRon](https://forums.speedlife.net/u/BigRon)\ **Post date:** [February 22, 2011, 6:03pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/13 "2011-02-22T18:03:01Z")
I had most of my money in Ally when they were far and away the highest, they just dropped below ING, so I put my money back in there. Still use Chase for checking since I like there bill payment system. The rest is in the market or in a 401k. ---
**Author:** ![See4Ways](https://avatars.discourse-cdn.com/v4/letter/s/3ec8ea/32.png) [@See4Ways](https://forums.speedlife.net/u/See4Ways)\ **Post date:** [February 22, 2011, 6:08pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/14 "2011-02-22T18:08:58Z")
in my wifes purse. coffee money is in my wallet ---
**Author:** ![buffalo\_vr4](https://avatars.discourse-cdn.com/v4/letter/b/7ea924/32.png) [@buffalo\_vr4](https://forums.speedlife.net/u/buffalo_vr4)\ **Post date:** [February 22, 2011, 6:23pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/15 "2011-02-22T18:23:59Z")
wherever thats convenient to you since they all offer the shitty interest rates right now. local, online, cds, etc all have like 1% give or take. ---
**Author:** ![TradersBASE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tradersbase/32/5321_2.png) [@TradersBASE](https://forums.speedlife.net/u/TradersBASE)\ **Post date:** [February 22, 2011, 6:27pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/16 "2011-02-22T18:27:14Z")
> [@bing](#): > > old credit union and now TD bank… gradually going to move more to TD bank as time goes by but not in a rush. > > no clue what the interest rates are and i don’t keep anything in interest bearing accounts anyways… Why don’t you look at the interest rate as a selling point? Just curious. ---
**Author:** ![ProgRocker](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/progrocker/32/5434_2.png) [@ProgRocker](https://forums.speedlife.net/u/ProgRocker)\ **Post date:** [February 22, 2011, 6:32pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/17 "2011-02-22T18:32:39Z")
Key for checking ING for savings. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [February 22, 2011, 6:34pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/18 "2011-02-22T18:34:42Z")
Those of you that are complaining about HSBC’s systems, hang in there. The deposit systems are getting converted by the half-year point. It will start with real-time debit and then you’ll see smartphone apps and the like shortly thereafter. I sit right next to the team that’s running this project. ---
**Author:** ![Static](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/static/32/7340_2.png) [@Static](https://forums.speedlife.net/u/Static)\ **Post date:** [February 22, 2011, 6:57pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/19 "2011-02-22T18:57:11Z")
Citizens Bank. Open 7 days a week and til 7pm on weekdays. Fits my needs. I use a credit union for any kind of loan i get though. ---
**Author:** ![livin4hockey](https://avatars.discourse-cdn.com/v4/letter/l/d2c977/32.png) [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)\ **Post date:** [February 22, 2011, 7:02pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/20 "2011-02-22T19:02:05Z")
Been with M&T since I first started up an account when I was like 10 lol. Joined a local CU that many of my co-workers go through but can’t complain about my experiences with M&T. [Next page](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412.md?page=2)