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01-24-2013 06:30 AM
I'd prefer not to mail in a check . any ideas?Is there any that offers remote deposits or smart phone deposits
Many/most of them do. I use Everbank (checking/money market), TIAA (savings), Barclays (savings) and they all offer remote deposit on Android and iPhone.
I also have Cap One Internet (which I don't think does) and Bank of America e-banking (which does but isn't an online bank!)
My daughter has Ally which also offers smartphone deposit (now!)
01-24-2013 06:33 AM
I use USAA for my everyday checking. I just open my iphone app, take a pic of a check, front and back, and it is deposited and available right then.
01-24-2013 06:44 AM
Hey I heard USAA only allows the smartphone option if you are in the military?
This is false I'm afraid. I know this because I am not, nor have I ever been in the military. This does bring up a good point though. In order to be able to use their mobile deposit system, you must have a credit product with them. There is a second way, but it escapes me right now, unfortunately.
01-24-2013 06:51 AM
Thats what I meant regarding the mobile deposit. I'd like to be able to have that option but i didn't think you can actually have a credit product unless you are in the military
01-24-2013 06:54 AM
Once again I have to say ~P. I have a credit product through them as well. You will have to be a full member, which is easy to do if anyone in your family has ever been in the military or banked with them.
01-24-2013 07:05 AM
I've heard about various online banks but haven't looked into them much.
What's the draw/benefit of them?
01-24-2013 07:35 AM
For checking I really don't see much of an advantage if any at all. If you're using direct deposit then I'd say theres not much difference unless you have to deposit other types of money
I guess it also depends on where you live. Here in NY, its easy to find a Chase almost everywhere which is convenient for me, although the minimum balance requirement kind of stinks. Which can be another advantage of online banking.
However for savings, online banks like Ally or AMEX give much better rates than your traditional bank usually.