h****r
发帖数: 376 | 1 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 |
i*****m
发帖数: 274 | 2 why hard
【在 h****r 的大作中提到】
: 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
|
h****r
发帖数: 376 | 3 The fine print says they reserve the rights to require a 7 day written
request when you want to withdraw |
y****i
发帖数: 17878 | 4 standard language in banking
usually only applies when you withdraw large amount of cash in branch
【在 h****r 的大作中提到】
: The fine print says they reserve the rights to require a 7 day written
: request when you want to withdraw
|
h****r
发帖数: 376 | 5 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 |
y****i
发帖数: 17878 | 6 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
【在 h****r 的大作中提到】
: 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
|
y****i
发帖数: 17878 | 7 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
【在 y****i 的大作中提到】
: 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
|
y****i
发帖数: 17878 | 8 1.45% APY 12-month CD is also the highest
【在 y****i 的大作中提到】
: 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
|
|
i*****m
发帖数: 274 | 9 开了一个，到账了一周后才available withdraw, 会查chexsystem
FYI
【在 h****r 的大作中提到】
: 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
|
y****i
发帖数: 17878 | 10 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
【在 i*****m 的大作中提到】
: 开了一个，到账了一周后才available withdraw, 会查chexsystem
: FYI
|
|
|
i*****m
发帖数: 274 | 11 why？的确是pull
【在 y****i 的大作中提到】
: 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
|
y****i
发帖数: 17878 | 12 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
【在 i*****m 的大作中提到】
: why？的确是pull
|
i*****m
发帖数: 274 | 13 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 |
b***i
发帖数: 1099 | 14 有头一年1.5%APY的checking account，up to $250,000。满足条件很简单，一次ACH
deposit，5次debit card purchase。
http://www.doctorofcredit.com/memorybank-1-5-apy-first-year/
我开了一个，第一个月15号statement就出来了，没来得及刷debit card，但一样给了1
.5%APY。 |
j******i
发帖数: 535 | 15 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。
【在 i*****m 的大作中提到】
: 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
|
h****r
发帖数: 376 | 16
have
why has to significant amount? how significant?
【在 y****i 的大作中提到】
: 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
|
y****i
发帖数: 17878 | 17 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
【在 h****r 的大作中提到】
:
: have
: why has to significant amount? how significant?
|
l*****t
发帖数: 293 | |
h****r
发帖数: 376 | 19
at
thank you, Laoyu.
Every little bit counts :)
【在 y****i 的大作中提到】
: 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
|
a***x
发帖数: 26368 | 20 100变125了，利润率不低
at
【在 y****i 的大作中提到】
: 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
|
