# 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:** 2
**Author:** ![klug](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/klug/32/5222_2.png) [@klug](https://forums.speedlife.net/u/klug)\ **Post date:** [February 22, 2011, 7:15pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/21 "2011-02-22T19:15:14Z")
cornerstone lol since I was 7. ---
**Author:** ![deebo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/deebo/32/5218_2.png) [@deebo](https://forums.speedlife.net/u/deebo)\ **Post date:** [February 22, 2011, 7:38pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/22 "2011-02-22T19:38:24Z")
lol the gary burch way is baller as fuck ---
**Author:** ![Freek](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/freek/32/7357_2.png) [@Freek](https://forums.speedlife.net/u/Freek)\ **Post date:** [February 22, 2011, 8:10pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/23 "2011-02-22T20:10:09Z")
why are you even asking this question and not just using USAA? ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [February 22, 2011, 8:30pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/24 "2011-02-22T20:30:51Z")
Buried in cans out in the yard. ---
**Author:** ![AngryHero](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/angryhero/32/7495_2.png) [@AngryHero](https://forums.speedlife.net/u/AngryHero)\ **Post date:** [February 22, 2011, 8:44pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/25 "2011-02-22T20:44:32Z")
> [@Static](#): > > 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. Ding ding ding. We have a winner. I never have that oh crap i have to get to the bank problem. ---
**Author:** ![boxxa](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boxxa/32/5045_2.png) [@boxxa](https://forums.speedlife.net/u/boxxa)\ **Post date:** [February 22, 2011, 9:24pm UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/26 "2011-02-22T21:24:25Z")
I have a Key Bank account just for a semi national bank that I have branch access to when I need to deposit checks and stuff. I use Schwab online for most of my stuff. The stuff thats included with it is awesome and can use the account to buy stocks when needed. ---
**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 23, 2011, 4:49am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/27 "2011-02-23T04:49:21Z")
> [@TradersBASE](#): > > Why don’t you look at the interest rate as a selling point? Just curious. i dont see any value in lettiing money sit for 2% per year. all of your debt is earning more than that… mortgage, car payments, studnet loans, etc. so why sit $20k in a savings account at 2%??? i’d sooner take $10k of that and pay off debt that is outpacing it. other than leaving yourself a big cushion every other dollar should be hustled for 30% a month buying low and selling high with the occasional swiss watch or italian sock purchase 🙂 when i’ve got more cash than debt and am tired then i’ll take savings accounts seriously. And even then, if i were in that situation i’d buy another piece of real estate, invest in a new venture or an existing business and take accountability for my own returns rather than let the bank give me a piece of what they earn on my money. ---
**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 23, 2011, 5:06am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/28 "2011-02-23T05:06:41Z")
> [@Joe](#): > > 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. I’ve heard that for 2 years now. I’m taking my money to a bank that has these things today. ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [February 23, 2011, 5:10am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/29 "2011-02-23T05:10:17Z")
madoff couldn’t return 30% a month. I’m using key + ally for savings. ---
**Author:** ![LAFENGAS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/lafengas/32/7573_2.png) [@LAFENGAS](https://forums.speedlife.net/u/LAFENGAS)\ **Post date:** [February 23, 2011, 5:21am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/30 "2011-02-23T05:21:15Z")
BOA - Hands down. I manage all my accounts online for both business and personal. Simple and convienent. I have notifications set up to keep me updated. Customer service has always been helpful and all my tellers are very friendly whom i now know very well. I know that seems weird, but HSBC didn’t even know who i was until they started begging me not to pull my money out to switch to BOA. interest % is B.S. It barely accounts for inflation and you get taxed on it. I keep “spare” cash in investments…but not gay socks. ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [February 23, 2011, 5:41am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/31 "2011-02-23T05:41:39Z")
Boats, cars, houses. Non-liquid in a fiat money system = win. :lol: HSBC. I travel. They’re everywhere. ---
**Author:** ![ultradriver10000](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ultradriver10000/32/7397_2.png) [@ultradriver10000](https://forums.speedlife.net/u/ultradriver10000)\ **Post date:** [February 23, 2011, 6:09am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/32 "2011-02-23T06:09:16Z")
I have several bank accounts just in case. Some in HSBC, BOA, and a local bank down here in Texas called Woodforest only because they have a branch that is open 24/7 close to my house. The rest of my money I have in cars, guns, home etc. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [February 23, 2011, 6:19am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/33 "2011-02-23T06:19:41Z")
What money? fml ---
**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 23, 2011, 6:32am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/34 "2011-02-23T06:32:36Z")
> [@theblue](#): > > madoff couldn’t return 30% a month. > > I’m using key + ally for savings. 30% is an easy gross margin to earn on-line… Lafengas knows all about this i’m sure. you’re better off buying cheap crap on craigslist and reselling it than you are with a savings account. buy cheap cars and fix them up and resell, find something you can do as a hobby and turn into a reliable income. it’s 2011 for christ’s sake. the internet is not just for posting pictures of awesome socks anymore. as much as sharpe\_corners frustrates me at times, the kid is basically making a living through this forum buying cars and parting them out… i paid my way through university like that between classes… F savings accounts. ---
**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 23, 2011, 6:40am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/35 "2011-02-23T06:40:21Z")
> [@bing](#): > > 30% is an easy gross margin to earn on-line… Lafengas knows all about this i’m sure. > > you’re better off buying cheap crap on craigslist and reselling it than you are with a savings account. > > buy cheap cars and fix them up and resell, find something you can do as a hobby and turn into a reliable income. it’s 2011 for christ’s sake. the internet is not just for posting pictures of awesome socks anymore. > > as much as sharpe\_corners frustrates me at times, the kid is basically making a living through this forum buying cars and parting them out… i paid my way through university like that between classes… F savings accounts. That’s what I’m trying to do. There are plenty of ways to make money via social networks, ad revenue, etc. online. Sometimes doing minimal work. I got a friend who does web design for a living and has ads on his sites. He makes $1,000 a month for just having them on his sites and doing nothing more. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [February 23, 2011, 6:47am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/36 "2011-02-23T06:47:40Z")
I want to start making money flipping houses. NEED CAPITAL!!! ---
**Author:** ![BadnewsMike](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/badnewsmike/32/7419_2.png) [@BadnewsMike](https://forums.speedlife.net/u/BadnewsMike)\ **Post date:** [February 23, 2011, 6:52am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/37 "2011-02-23T06:52:17Z")
I just use Western Division Credit union, they have online banking, and interest rates on loans are pretty good. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [February 23, 2011, 7:14am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/38 "2011-02-23T07:14:13Z")
13 rusty Mason jars buried in the sand. Oh, and its in Krugerands. ---
**Author:** ![Onyx\_Z32](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/onyx_z32/32/7581_2.png) [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)\ **Post date:** [February 23, 2011, 7:15am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/39 "2011-02-23T07:15:46Z")
Take higher-risk, higher-reward chances with money while you’re young and gradually move to more safer investments when you’re older. I don’t remember how much my savings account earns because it’s irrelevant really. I’m with Cornerstone FCU and have zero problems. The credit union network gives local bank personalization with a wide reach. I was banking in person in Tokyo just as I would have here :tup: ---
**Author:** ![theblue](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/theblue/32/5074_2.png) [@theblue](https://forums.speedlife.net/u/theblue)\ **Post date:** [February 23, 2011, 9:38am UTC](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412/40 "2011-02-23T09:38:22Z")
> [@bing](#): > > 30% is an easy gross margin to earn on-line… nevermind, I thought you were implying that you invested online and pull a stable 30% monthly return. [Previous page](https://forums.speedlife.net/t/where-do-you-keep-your-money-online-banks-local-banks/209412.md?page=1)