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Best Online Bank Accounts 2020 Best Online Bank Accounts 2020
hey, today we're talking about online banking I'm going to give you my top four picks for the best online banks if you're doing research on online banks then you want to stay tuned. .Welcome to healthy wealthy skinny where we focus on the steps to help you live a healthy wealthy and skinny life i'm shawn and if you are ready to start thriving and not just surviving go ahead and hit that like button smash that subscribe button and hit the bell icon so you get a notification every week when i drop a new video and be sure to stay until the very end because as always i've got something special for you let's jump right into the content my list today are my top four online bank accounts and i have to stress online only i do have a video where i give you my top four bank accounts and i'll leave a link to that video above me in the cards i use the following criteria to choose my top four online bank accounts the banks on my list can have any physical branches they must have a very strong online or mobile platform they can have excessive fees and they must give you a free debit card to access your money and of course they all have to be fdic insured so you know that your money is safe bank number four on my list is simple simple is a mobile banking service with a focus on payments and budgeting they were founded in 2009 and what makes them special are the built-in tools to help you with budgeting and saving money. Virtual Banks in USA let's take a look at their website and go over some of their features they have no monthly fees or overdraft charges and they have no 1/3
minimum balance requirements you'll get automated budgeted tools with your account you have no monthly service charge no monthly requirements to open and no overdrive fees you can make mobile check deposits and you get a debit card for spending you can earn interest on your account with simple and at the time of this video the apy is 0.01 percent you have access to 40 000 apms in the all point network and there are no fees for using out-of-network atms there's a one percent international transaction charge when using your debit card outside of the u.s the only cons that i see with a simple account as there is no standalone savings account or cds and no online bill pay feature account number three is sofi after my last video i got a lot of people asking about sofi so i wanted to touch on it in this video sofi securities llc is a registered broker dealer sofi money is a cash management account which is actually a brokerage account so now that i've clarified exactly what sofi is let's look at their website and go over some of their features with sofi money you pay no account fees there's no atm fees at 55 000 atms if you have recurring 500 monthly deposits you can earn cash rack rewards and earn interest on your savings at the time of this video with monthly deposits of 500 or more you'll earn a 0.25 apy all other accounts will earn a 0.01 apy with sofi you pay no account fees no minimum fees no overdrive fees and you also get a sofi money debit card two of the cons that i have with sofi is that it does not support zell for transferring money and it's not actually a bank account which may not really matter as long as you get the features that you're looking for number two on my list is chime time was established in 2013 and is based in san francisco california its banking services are provided by the bankrupt bank let's look at time's website and go over some of its features with time you pay no overdraft fees no minimum balance and no monthly service fees there are no foreign transaction fees and no transfer fees Virtual Banks in the USA you get access to over 30 000 free money pass atms chime also has an automatic savings feature and you get a free chime visa debit card when you turn on automatic savings each time you use your trying visa debit card to make a purchase they round up the transaction amount to the nearest dollar they then transfer the roundup from your spending account to your savings account the two very small cons that i have with time are that there is no interest on the checking account and you get a very small interest on your savings account bank number one on my list is ally bank allied bank is most popularly known for its high entry savings account and its exceptional customer service let's go over allie's website and look at some of their features with ally you pay no monthly maintenance fee and there's a zero dollar minimum opening deposit you'll pay no monthly minimums and you get a slightly higher interest rate than most other banks with their interest checking if you keep less than fifteen thousand dollars in your account then your apy is point one zero percent if you keep more than fifteen thousand dollars as your daily balance then your apy will be zero point five zero percent their high interest savings account at the time of this video has an apy of 1.0 percent on all balance tiers ally is a full service bank with checking savings and an investment platform you have access to any all point apm for free ally supports zell for transferring money and they have an e-check deposit service where you can deposit your checks from your smartphone and again they have excellent customer service the only con i have on my list for ally is that they have a 25 overdraft fee and a lot of the other accounts on my list have no fees in summary my top four online 2/3
bank accounts are ally being number one chime being number two so five being number three and simple being number four if you have a bank that you think deserves to be on this list please leave it in the comments and tell us all what you love about that bank don't forget to tell us both the pros and the cons so everyone researching online banks will have all the information they need to make good decisions it's now time for that something special that i promised you all you have to do is look down in the description click on the link give me your email address and i'll send it your way but before you do that i'd like for you to click on the video right below me so you can continue watching go ahead. virtual banks in the USA, banks in the USA Tips
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