h****r
发帖数: 376 | 1 laoyu, do you think this purepoint can replace Ally?
Ally is my main saving right now. I am thinking of opening a purepoint and
move all my money over, wondering if there is any con of doing so |
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h****r
发帖数: 376 | 2 I am thinking of opening an account with purepoint, since they have the
highest interest rate.
any one has experience with them? I saw online that it is hard to withdraw
money out of the account, is it true?
thanks in advance.
sorry cannot type Chinese on this PC |
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y****i
发帖数: 17878 | 3 if you push from an external account the fund will be available right away
if pull from purepoint there is a 2 or 3-day hold, initial funding takes
even longer |
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V***o
发帖数: 350 | 4 需不需要hard pull？
fatwallet上有讨论但没说清楚。 |
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n***x
发帖数: 912 | 5 在sd上看到有人提到这个，有人用过嘛，比ally还要高出挺多，求DP |
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n***x
发帖数: 912 | 6 update：要10k minimum，否则0.25% |
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j******i
发帖数: 535 | 7 纯粹saving推荐gs bank或者purepoint
ally 和 alliant CU 更加适合作为主力行 |
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j******i
发帖数: 535 | 9 纯粹saving推荐gs bank或者purepoint
ally 和 alliant CU 更加适合作为主力行 |
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h****r
发帖数: 376 | 13 The fine print says they reserve the rights to require a 7 day written
request when you want to withdraw |
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y****i
发帖数: 17878 | 14 standard language in banking
usually only applies when you withdraw large amount of cash in branch |
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y****i
发帖数: 17878 | 15 it does offer 1.25% savings versus 1.00% at Ally
guess it might be worthwhile if you have $100,000+ cash
I'll stick with Ally |
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y****i
发帖数: 17878 | 16 curious to test the water, I just opened the online savings account
it was a super smooth process, and I was quite impressed
if you have a significant amount of cash it might not be a bad idea to have
this account |
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y****i
发帖数: 17878 | 17 1.45% APY 12-month CD is also the highest |
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发帖数: 1 | 18 开了一个，到账了一周后才available withdraw, 会查chexsystem
FYI |
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y****i
发帖数: 17878 | 20 banks hold the deposits until ACH has been fully processed as a means of
limiting risk to themselves
deposits still earn interest while on holding |
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发帖数: 1 | 21 多谢老余
那么问题来，你所知道的，push不收钱，并且单日和月度限额比较大的银行是谁
我知道BOA主动往外push貌似是要收费的 |
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j******i
发帖数: 535 | 23 好的hub bank主要是ally， alliant,capital one 360, ACH进出不要钱。alliant ach
最快，一天可到，可是转出金额限制25k.ally 据说可以也可以1 day ACH,不过有一定
条件。 |
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h****r
发帖数: 376 | 24
have
why has to significant amount? how significant? |
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y****i
发帖数: 17878 | 25 to put it into perspective for you -
if you have only $10,000 to spare, which is the minimum required by this
savings account, you only earn $25/year more before tax compared to Ally at
1.00% APY
I call that insignificant |
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h****r
发帖数: 376 | 27
at
thank you, Laoyu.
Every little bit counts :) |
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s*****a
发帖数: 3387 | 29 purepoint 靠谱吗
SCR pay mortgage = travel 3%?
thanks |
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c******o
发帖数: 2151 | 31 知道它用的是IGo的网银系统，不知道这个1.3%是否有保障。。
请问您怎么看这个和purepoints比？
of |
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z*z
发帖数: 837 | 33 看网页是purepoint? 是和discover 有关系的吗? |
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y****i
发帖数: 17878 | 34 Which ones?
Ally and Purepoint, for example, only ask for name and DOB
another benefit of adding POD beneficiaries is increased FDIC coverage
[在 interviewing (tt) 的大作中提到：]
:几个online saving都要ssn和美国的地址 |
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t*******5
发帖数: 6095 | 36 这个银行怎么样？
Online Savings rate 1.3% now, better than Ally Bank no penalty CD. I am
thinking to open one but would like to know how it is first.
Thanks. |
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