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Checks vs Direct Deposit - Page 3

post #61 of 68
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Originally Posted by HTG Designs View Post

Quote:
Originally Posted by Antidope View Post

My bank gives me $20  a month for using DD and bill pay. Totally worth it
what bank?
Santander Bank

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post #62 of 68
Quote:
Originally Posted by zapatohead408 View Post


It's basically frowned upon in our local. It signifies you're more of a company man than a brother. You just don't do it.

What? :lol

Tbh I didn't even know y'all still used paper checks like that in the US.

Literally never seen someone use a paper check here.

post #63 of 68
Quote:
Originally Posted by KingdomFlatbush View Post

Quote:
Originally Posted by AdobeCS4 View Post

I need info on this bro

I'm with Wells Fargo, it's called a Way To Save account. IDK what bank you're with but I'd call and inquire as to if they have a similar service. It really did help me out during my brokeboi days.

But on the other hand, it's really just an automatic version of something you can do yourself. If you take a certain percent of all your purchases and deposit in a savings account, it's basically the same thing.

I need to start saving more mean.gif
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post #64 of 68
Quote:
Originally Posted by AZwildcats View Post

I need to start saving more mean.gif

Open up a separate account. Online high yields saving account specifically, and transfer some money there automatically each check. You will forget about the money because you never see it and you don't have instant access to the money.
post #65 of 68
Quote:
Originally Posted by BeezyGotSole View Post

Quote:
Originally Posted by AZwildcats View Post

I need to start saving more mean.gif

Open up a separate account. Online high yields saving account specifically, and transfer some money there automatically each check. You will forget about the money because you never see it and you don't have instant access to the money.
One of my friends has an online savings account. Her interest rate is really nice. Have you done it?

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post #66 of 68
Quote:
Originally Posted by Antidope View Post

My dad tells this all the time. Its solid advice. I don't use my debit cards ever though they're for suckers. It benefits you in no way. I use my credit card as a debit card equivalent. I spend it and then go home and pay it off.

That plus the extra fraud protection for situations like this is why I do this.

Agree. You also get reward points or cash back on your credit card by spending on stuff you were already going to spend anyway. There's more protection as youre sort of using the banks money and it's easier to stop the frauds, however for a debit card it comes straight from your bank account which I don't like.
post #67 of 68
Quote:
Originally Posted by Antidope View Post

One of my friends has an online savings account. Her interest rate is really nice. Have you done it?

Yes I have a Barclay high yield savings account, the interest rate is 1.05%. Very secure and easy to use. Seems like the average savings account interest is between .20% - .45%.

They also have a dream savings account that has an interest rate of 5% if you make a deposit every month and no withdrawals for 6 months. Only drawback is the $1000/mo deposit limit.
post #68 of 68
Quote:
Originally Posted by BeezyGotSole View Post

Quote:
Originally Posted by AZwildcats View Post

I need to start saving more mean.gif

Open up a separate account. Online high yields saving account specifically, and transfer some money there automatically each check. You will forget about the money because you never see it and you don't have instant access to the money.

I'm gonna do this before the next paycheck comes in. I'm long overdue to start saving, thanks
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