Capital One

Choosing which Bank or financial institution you bank with is usually done for poor reasons, such as: my parent’s bank there, or I have just been with them since I was a kid… Sound familiar?

Lots of people are in the same boat, and I would like to give a few tips on what to look out for, that will make your choice better informed.

 

Firstly, I don’t think there is a bank that is the “best”. Each has their strengths and weakness’. Most of the big banks that you can choose from are very similar with the main things, which is why for people with low incomes etc it will not make much of a difference.

 

The first thing you should check whoever you are is that the bank is FDIC insured – Capital One is FDIC insured, which means that if the bank declares bankruptcy (look at what happened in Iceland), you can still get back the money that you put down, because the government insured it.

 

Secondly, savings account interest rates are important, find which bank has the highest! Capital one has an Average rate of 0.68% if you can get more than this you are doing good! Ally is currently the highest with 8.87%.

 

Thirdly – Is it easy to get access to your Money? And what are the bank charges like? Students qualify for free banking; otherwise you want to find the lowest possible!

 

Fourth – How many Linked accounts can you have, that you can move your funds around into with your online banking. I have positive experience with the Capital one Online banking – it is very simple and user friendly.

 

Fifth – customer service. How easy is it for you to resolve your questions? This is not possible to find out first hand, but a good way is to research online and read forums etc. There is always going to be negative feedback, so you have to sift through and see who you think is best.

 SIGN IN RATING: 3.5/5

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