Checking Account Deals

Checking Accounts? How many do you have? and what do you use them for? I 3 checking accounts with 3 different banks and am undecided on which one to close- if any. I just wanted to know on average how many do people have and why?

Checking accounts? Ok let's say i opened a few checking accounts and they are overdrawned, and so they were closed now and I owe them like 1000 dollars or such. Will i go to jail for that?

checking accounts................? i opened some checking account with banks but forgot to close them... what is the best way to find out the accounts that were still open..

What are the benefits of having two checking accounts at different banks ? Today I opened a checking account at TD Canada Trust, I've got my other checking account at CIBC which I had for years. I was thinking of closing my CIBC checking account, however I've been thinking and think it would be good to have two checking accounts at two different banks. What do you think are the benefits in doing this ? Jordan

How long does it take to get out of any system for bouncing checks or having checking accounts closed? It has been 7 years since I had a checking account, and when I was in college I had 3 or 4 accounts closed, due to insuffecient funds and bouncing checks. I have taken classes on checking accounts and am ready to have an account again, so I can build credit with a bank and buy a home one day. Does anyone know what banks check when you go to open an account and how long any poor information is kept in the systems they look at. Thanks!

Can I have two different Checking accounts at the same bank? Just curious. It would help me budget better if I could have two different checking accounts. I have a savings, but I can't access the funds like a checking account. Thanks for your help.

When a bank does a credit check, can they find out the balances in your checking accounts? I know that on a Equifax credit report you dont see your saving/checking accounts. However, when you fill out your information about assets and liabilities when asking a loan, they ask for how much money in your checking accounts for example from other banks if you have. Can they find out that information?

What is the best bank for multiple checking accounts? I'd like to split my budget into multiple checking accounts for budgeting purposes...a food account, gas account, clothes account, etc. I'd have my current account set up as my bill account and then transfer money into each of the separate accounts for my spending. Are there any banks out there that cater toward this type of setup in checking accounts?

Is there a bank where I can open multiple checking accounts? I'm looking for a way to make the envelope system of budgeting work for me, but in the modern day world. I'd like to get multiple checking accounts if not accounts under one checking with debit cards from all of them (lets say 5). Then divide my check appropriately to each checking sub checking and use particular debit cards if its groceries, me, school, debt, etc. Is there a bank out there cares about thei customers enough so that they allow their customers to open multiple accounts to budget better? Thanks in advance for your help. I currently use an XLS worksheet to budget and i have budgetted myself for 12months in advance. It changes as i go but i would like to be able to seperate accounts.

How can i make money selling checking and savings accounts? Does anyone know how i could make money independently promoting banking products like checking accounts, savings accounts, IRA's and CD's. I'm just looking to offer banking products to my current clients even in an exchange for a referral fee. Any personal bankers outthere willing to work together?

How many checking accounts are opened in the USA each year? I am in interested in knowing more about the number of checking accounts issued by banks in the united states each year. If you can provide a source, it would be great! Thanks.

How common is it for married people to have separate checking accounts? My aunt and uncle both have separate checking accounts. They're both successful in their own right. My uncle is a lawyer and my aunt is an accountant. I wonder how this works like which checking account are the bills paid from and stuff? It just seems wierd to me

How often does a bank do an audit of people's checking accounts? Hello, Does anyone know how often a bank checks accounts that people have with them for mistakes? I have a checking account that has a mistake and it's been 2 months and they have not fixed it. Thanks for your help. The mistake resulted in my account having $200 more than what is should be, so I expect the bank to catch this but it's been 2 months and the $200 is still in my account.

when getting married, what is the best way to handle combining checking accounts? Should we combine our checking accounts or have separate accounts?

Is it a good idea to have 2 checking accounts? I am wondering if there is a benefit to managing money with 2 checking accounts. I am thinking of using one for my regular bills and another or everything else. I am not too concerned about if my bank fails, but would it be better to have two different banks or use the same one for both accounts?

Does opening many checking accounts effect my credit rating? I have been consistently recieving offers from my bank to open new checking accounts which will have 100 dollars transfered into them upon opening them. They send one about every month. I've opened 2 so far for the cash and closed them, and I was curious, if I keep this up is there anything that can go wrong?

Anyone at a small bank now being charged fees for checking accounts? The big boys such as Chase, Bank of America, Wells Fargo, etc have started charing for checking accounts in some states (if not all). Small banks are not charging for checking accounts. Or are they? There are fees for such things as no maintaining a minimum, or not having direct deposit. Monthly fees - not overdraft fees.

What bank in California offers Teen Checking Accounts? I'm fourteen years old living in San Clemente, California. I've checked out a few banks, but only Wells Fargo offers Teen Checking (but I can't go there because my moms owes them a lot of money). What banks offer checking accounts for teens? And NO, I don't want a savings account.

What banks offer checking accounts to a 17 year old? I have a new job and I'm trying to find a bank that lets someone who is 17 open a checking account with a debit card. My parents bank at Bank of America and they only offer custodial savings accounts and that is not what I want. Please I need as much info as possible! Thank youu so much! I'm from New York

How much fraud is created by fraudulently opened checking accounts? Apprently id thieves opening checking accounts is a big problem. I am looking for any stats that quantify the problem. What % of checking accounts are opened fraudlently? Thanks! Looking for data for the USA!

How long does a bank need to keep records on closed checking accounts.? I closed a checking account at a bank about 4 years ago. Between now and then that bank was purchased by another institution who then basicly shut its doors. Does the purchasing bank have to keep the records of all closed accounts the original bank had? And if so for how long? I closed a checking account at a bank about 4 years ago. Between now and then that bank was purchased by another institution who then basicly shut its doors. Does the purchasing bank have to keep the records of all closed accounts the original bank had? And if so for how long? I ask this question Muffie, because I was contacted by a Debt Recovery group claiming that I owed Sprint money on an account that was closed and paid in full 4 years ago. Sprint conviently destroyed any and all records pertaining to my account severly limiting my chances of proving their mistake. My only other option is a bank statement showing the payment they claim I owe was in deed paid. But thanks for trying to help Muffie.

How can I auto-debit monthly payments from my customers' checking accounts? I'm a private music teacher and I charge tuition monthly. I would like to auto-debit their checking accounts for tuition monthly similarly to how my gym membership is charged. Is there a cheap or free and easy way to do this? Thanks

Are student checking accounts counted when you fill out your fafsa? Here's what was stated: As of today, what is your total current balance of cash, savings, and checking accounts?

What is the best bank for personal savings and checking accounts??? I am looking to move all of my personal savings and checking accounts into a new bank because going to the small credit union I currently use is very inconvenient. I want to find the best, preferably nationwide, bank for personal accounts. I live in TX, in The Colony but work in Carrollton and frequently go to DFW Airport for business. I have only about 50k in savings and want to start paying bills online. I would like free checking and ATMs too. I want a bank that isn't heavy on the fees and has good operating hours. The banks I know that are in the area are Bank of America, Wells Fargo, Century Bank, Washington Mutual and Chase. Any ideas and suggestions are greatly appreciated since I don't have the time to do my own research. Thanks in advance!

What is NC's Statute of Limitations on overdrawn checking accounts? I'm working on repairing my credit, and I wanted to know what the Statute of Limitations for NC is on overdrawn checking accounts.

Is there any good On line checking accounts? Is there any good on line checking accounts? I was turned down for Nation wide probably because of being unemployed at that time, I want to apply some where else any other goo on line places to apply for a checking account?

Can I get a credit card from a bank I have no savings or checking accounts with? I want to get a credit card to build my credit which is non existent right now. I want to apply for a student credit card at Chase but have no previous accounts with Chase. Can you get a credit card from them without a savings or checking account?

Is there a credit card that lets you save multiple checking accounts online to pay off balance? In other words, sometimes I want to pay my credit card balance with checking account 1, and other times with checking account 2. Every time I want to change which account to use, I have to re-enter the routing number and account number. I want to be able to store this info for more than one checking account so it is easier to pay off the balance with either account.

What are the three types of checking accounts? What are the three types of checking accounts. Please give a TINY description (I ALWAYS give waay too much information and I know how tiring it is lol) Please, and thank you in advance, Alex =)

Savings and checking accounts at different banks -- Can I write myself a check to deposit in the savings acct? I have a large sum of money in my checking that I'd like to deposit into my savings. How can I do this without physically withdrawing the cash and transferring it between banks? Can I write myself a check to deposit into the savings account?

My checking and savings accounts, my mortgage and my credit card are now held by Bof A. Is this a problem? I'm concerned they will start monitoring my checking account details and cut the credit line on my credit card. Since B of A now owns Countrywide and MBNA all of my accounts are held with them and I am very concerned they will monitor all my transactions. Any experts out there with advice? Thanks.

What do banks charge you for with checking accounts? I have the college checking account with Chase and I was wondering if they take money out for certain services. I know they charge for overdrawing but are there other charges I need to know about? Also, I have $1000 cash that I want to just save. Would it be smart to put that in my checking account or my safe?

Why wont banks let teens have checking accounts? I don't think it is fair that banks do not let teens have checking accounts. I am a responsible teen, and I'd like to save up for college or as an emergency fund when I need it, therefore, I'd like an ATM card. The only banks that allow teen checking is Chase, which your parent has to have a "qualifying" checking account, or a bank which your parent also has to have an account at with a relative with military service. I know all about credit, loans, income, more than the average teen knows about finances. Opinions?

How do you transfer $ between 2 wachovia checking accounts that are not linked? My roommate and I both have wachovia accounts and we're trying to figure out how he can transfer money into my account without having to write a check each month. Is this possible and is it free?

What is the best way to switch checking accounts? We have had our checking account for 5 years and we have automatic bill payments coming out of it for at least 10 bills. Where we are moving that bank is not withing STATES of us, and we want a bigger bank where we can use ATMs and do actual banking if we needed to. Is there a certain process I should do, slowly maybe, to get all the automated payments changed without OVER drafting our old account? HELP/ADVICE please!

What are some banks that offer second chance checking accounts? I need somewhere safe to put my money that won't do a credit check and that and won't charge me a fee to open an account. They must help with second chance checking, not just a regular bank.

Chase bank, whats the new change,in regards to free checking accounts? I got a letter the other day in regards to Chase bank changing there free checking accounts to money hungry accounts,i dont understand can anybody explaing this change,i heard something about your account has to have a certain balance or funds,something about fees? Thanks!

I am thinking of filing Chapter 7 Bankruptcy, what happens to my current checking accounts? I currently have 2 checking accounts. I am considering filing Chapter 7 Bankruptcy next month. I know my bank accounts will be frozen during bankruptcy but will they be opened & usable after the bankruptcy is over with?

What is the best bank in Chicago for checking and savings accounts? I want to switch from Citibank to a new bank in Chicago. I live downtown and there are so many options. There are very large banks, such as Chase, and then there are smaller banks, such at Fifth Third Bank. All I need are a checking account and a savings account. Any suggestions?

How many checking accounts do you have? I am just curious how many people out there have more than one checking account? Also, if you have more than one what do you use each account for?

What is the quickest and safest way to transfer money between two checking accounts? My friend is buying a car off of me for over $13,000 and I need to know the quickest and safest way for him to send me the money from his checking account to my checking account. Any ideas? Thanks.

Can banks deny savings accounts like they can checking accounts? I know people that are on ChexSystems or have poor credit often cannot open checking accounts at banks. But, can these individuals open savings accounts by default? Is there perhaps a state or federal law requiring banks to offer savings accounts to those who want one?

What is a checking accounts wire information? A company is going to be sending me weekly wires. I have a checking account. What is the information that I need to give them? Routing number and account number?

What is the best (most beneficial) bank for business checking accounts? I have recently formed a corporation, now I need a bank to do business with. What will be the best (most beneficial bank for a business checking account and why?

If I have 2 different checking accounts and I bounce a check on 1 can i still write on the other acct? I have 2 different accounts with different banks. When transferring funds I messed up and bounced a check. They say it takes up to one week before my writing priviledges are restored. Can I write on the other account until that happens, or will I be denied?

What are most people paying for fees on their checking accounts? Even with free checking, they always seem to hit me with fees for things, like adding another $2 to the $3 ATM fee for using another bank's ATM. I do have free online banking, which is very convenient, and keep more than $5000 in my checking account. Should I be doing better? I used the other bank's ATM because I was travelling and there was no branch of my bank in the area.

Free checking accounts will be a thing of the past-has your bank made the change yet? Any changes in fees at your bank? Now that they can't make $$$$ in overdraft charges they will have to make up for the cost of maintaining your account. WSJ reported that it costs between $250 to $300 a year for a bank to maintain your checking. Forgot to add - You will still get free checking if you keep minimums of $500 to $1,000 - maybe.

What incentives are NYC banks offering for opening checking accounts? I'm moving to Brooklyn soon, starting a new job. I don't care so much about the number of ATMs a bank has. I want one that has no fees whatsoever for checking and that even offers an incentive for opening an account. For example, PNC offers $100 for opening a direct deposit checking account, but they are not in NYC.

Why do people bother to have regular checking accounts instead of a money market? Isnt a money market basically a checking account with a rate of return?

is it legal for banks to close your checking accounts due to ChexSystem? Lets say Citibank closes your checking account due to it being overdrawn and reports to ChexSystem. Can Wells Fargo close your checking account too because of the Chexsystem even though the account has money in it? What happens to the money if they dont return it?

What are pin #'s in checking accounts used for and can they be changed for free? I just got a checking account today and had to make up a pin number and it was the last 4 digits of my phone #. Is it used to take out money? I don't want people to guess my pin number and take out money? Can i change it?

I need to find a bank account in Santa Clara that offers second chance checking accounts? I was reported to chexsystems by wells fargo for having an overdrafted account. I need to open a checking account but cant seem to find one. Know of any in San Jose/ Santa Clara Area?

which of the following statements about checks and checking accounts is correct? A) a check is a receipt for money deposited somewhere B)it's illegal to send checks through the mail C)all checking accounts earn interest D)a check is an order to a bank for money

How do you feel about spouses having seperate checking/ savings accounts? My hubby and I have always shared all of our money, bills, accounts. etc... My brother and his wife have seperate checking accounts. He just pays her his "share" of the bills. Is this common? Just wondering.....

Are there any free checking accounts that give your credit score for free along with the statements? Are there any free checking accounts that give your credit score for free along with the statements?

Is it bad to open to many checking accounts? i have washington mutual and US Bank. but i recently applied for a another checking account for citibank. because i use each different checking account for my 2 Jobs and such..cuz i dont want to have two checking accounts at one bank cuz it confuses me. And after apply for citi it said :""proccesing application subject to application approval"" so im guessing im waiting to be approved and thats never happened to me and i heard from a friend its bad to have too many accounts that it messes up credit or something? anyone know???

How can I allow customer to pay using their checking accounts on my web site? I already have it set up for them to recieve payments with the credit / debit card but I know their is a different process for them to enter their checking account #. Does anyone have any advice?

Does WAMU do a credit check for new checking accounts? I'm wondering if WAMU does a credit check for opening a new checking account. Some bank do, some don't. Anyone have any insight on this?