I've been using them for a while. I'll save up what money I can - and then boom - something happens and I have to use it.
I recently closed my Compass checking account but already had a Chase checking account opened to replace it. The problem? Of course, you have to change all the information on all of your online accounts and in this case, my account with ING Savings.
Well, inputting the information was easy enough. But then, we got to the "verification" stage. You could do it instantly online or some other option that would take a while to get done. Well, I want to start saving right away, I don't want to wait. So, I opted for the instant verification.
It apparently has access to your credit file and gives you multiple choice questions about things like an auto loan, where you are or have lived, things like that. On 2 of them, none of the answers on there were correct, so I clicked none of the above. I had a bad feeling about doing that, but I carefully scrutinized the question and the answers, none of them were correct.
I clicked the field to verify and what comes back? We're sorry, we could not verify your information, we are going to do whatever it is they are going to do and you will not be able to do anything with this link - they call them links, the banking accounts you have connected to the savings account you have with ING - for 15 days. FIFTEEN days? The other option was to snail mail the information in for the verification.
SCREW both of those options. I called them up, there was nothing they could do, so they said. I said fine, cancel the account, there are a lot of savings institutions online nowadays, one of them will be happy to take money from my checking account and deposit into their account. The funny thing is, they didn't even TRY to keep me as a customer. I found that unusual, but I didn't care, either. Perhaps lots of people close their accounts with them every day, who knows.
I opened one up with another bank of which I now cannot access my account. Are you serious? It's asking me verification questions because I am a new customer. The problem with THESE questions are they are questions that you would answer when you open the account, not taken off your credit file. No such option was given when I opened it, it just took me through the process and that was that. Do I close this account, too? Not if they will fix it over the phone. I have an internet account for a reason, so I cannot access my money immediately, making it difficult to get to my savings so that it really has to be something needed now to get it. But also, if I have a problem, I can call them up and have them deal with it.
We'll see what happens, is all I can say about that. I found numerous more online savings banks. If all else fails, I'll open up a savings account with a bank offering the incentive to do so at their place of business and make sure that that bank has the ability to transfer funds from my Chase savings account to their savings account. Why not do it with Chase and just have 2 accounts there?
Cause', they only incentive they are giving is a cash offer if you open up a savings account with $5,000 in it. Heck, I'd take a free toaster like they used to give out in the old days over nothing! Do you remember those days? It was a big deal to get that free toaster!
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