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Old 07-15-2016, 07:11 AM   #15
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Originally Posted by jmk909er View Post
If your going to be a full time RVer is there a preferred way of banking that is better if your all over the country? National bank, online banking, credit union etc.

Thanks, Joe
I've been full time for over six years and had been using my old local bank. I just opened an account at a credit union for my soon to be arriving social security check. My bank had been raising fees and decreasing services for years.

The credit union has thousands of "shared branches" I can use as if they were my home credit union. I checked and those branches are located where I might need them- one within walking distance of a favorite stop.

I don't use online and automatic "services". No need. If I can't write an occasional check, it's time for the old soldier's home.

This month a friend had an "automatic payment" double up. The resulting shortfall caused "bounced" payments elsewhere. One of the elsewheres raised her monthly loan payment about 170%. They promise to fix things eventually but when you're on disability, they have you over a barrel. Friends were able to loan her the cash to live and pay the other bills. She is stopping the auto/online garbage as soon as she can.

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Old 07-16-2016, 08:30 AM   #16
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Thanks to all of you about this banking topic. What a great forum! ;-)

Joe Koppel-San Diego
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Old 07-16-2016, 08:41 AM   #17
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I love Ally bank online. No minimum deposit, no fees for anything, easy instant online transfers between accounts, interest paid on no-fee checking and good interest on money market / savings. Free ATMs US and Canada, atm fees reimbursed if you need to use an off brand or, say, a casino :-)

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Old 07-16-2016, 10:53 AM   #18
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The best bank for fulltiming, is any bank of your choice that offers enough online banking options so that you never have to step foot in a real bank branch office. ATM card for cash at checkout when you need it; electronic direct deposits, online bill paying, personal banker by phone when I need to initiate a wire transfer, etc
setup all your accounts for online electronic statements to reduce mail and online payments to eliminate mailing checks
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Old 07-16-2016, 08:36 PM   #19
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With the prices these days, I am waiting for the "best bank to rob as a full timer" thread!
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Old 07-17-2016, 09:13 AM   #20
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Our small Wisconsin regional bank had offered on-line banking for a number of years before we hit the road full time. All of our income was set up for automatic deposit into that account, and all of our monthly payments are done electronically from that same account. I saw no need to change banks just because they wouldn't have branches once we left the state.

We rarely use cash and when it gets low we'll just take some while making a purchase at Walmart or other retailer offering that service (I find most grocery stores will). There is no charge for doing so. Our fixed monthly bills are set up for automatic payments through our bank account, I'll get notice when they've been sent. 95% of all other bills will come to us via email and I simply log into our account and issue payment from there. The only exceptions are medical bills and any government obligations (annual registration fees and property taxes). They still come via snail mail, which has caused but one problem in the 4 years we've been on the road so far. One of my wife's medical bills was referred to a collection agency after only 30 days! We happened to be on an extended trip at the time with frequent moves so it took the bill a while to catch up to us. The provider got an earful on that one.
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Old 07-17-2016, 04:40 PM   #21
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Bank of America serves us quite well for all our banking needs. Haven't set foot inside one in years......and its free to us.
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Old 07-17-2016, 04:56 PM   #22
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Originally Posted by dieselclacker View Post
Bank of America serves us quite well for all our banking needs. Haven't set foot inside one in years......and its free to us.
Same here. I'm not saying they are any better/worse than other banks. They just have all the tools I need and locations on about every corner across the country. Online banking, mobile app, mobile check deposit, etc. I litterally haven't used a book of checks in the last 10 years. Been banking online using Quicken for over 20 years now.

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