Reply
Frequent Contributor
Posts: 438
Registered: ‎03-19-2013

Which bank account do you use and does it organize all your spending?

Which bank account do you use and does it organize all your spending?

Frequent Contributor
Posts: 487
Registered: ‎03-13-2008

Re: Which bank account do you use and does it organize all your spending?

[ Edited ]

I use Virtual Wallet from PNC. I think it is kind of spiffy with organizing spend, but I don't ever use my debit card so I don't really utilize that feature. I do love my Virtual Wallet, though, but we will probably end up switching to Capital One 360 sometime in the future.



In the garden until December 4, 2015
Frequent Contributor
Posts: 296
Registered: ‎12-16-2013

Re: Which bank account do you use and does it organize all your spending?

I liked the PNC Virtual Wallet and the fact that it shows how much money I can actually spend (after all payments/checks/etc have been deducted), but have transferred to DCU after I got my auto loan. I miss my Virtual Wallet now and just have to be careful that my spending does not go over my current balance since the DCU interface is not as slick as the Virtual Wallet.


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 711 (Discover FICO), 705 (DCU EQ)
Ultimate goal: Buy a house in 2016!
Gardening for now :-)
Frequent Contributor
Posts: 487
Registered: ‎03-13-2008

Re: Which bank account do you use and does it organize all your spending?

Yeah, I really like the VW website. I have become spoiled. If I had to switch to another online bank I would be like  "where is my calandar? Where is the blog? and the money bar?? WHERE IS THE FANCY SUMMER BEACH BACKGROUND??? NOOOOOO!!!" :smileyvery-happy:



In the garden until December 4, 2015
Frequent Contributor
Posts: 438
Registered: ‎03-19-2013

Re: Which bank account do you use and does it organize all your spending?

Capital One 360 vs Virtual wallet... which would be the better option?

Frequent Contributor
Posts: 415
Registered: ‎06-12-2011

Re: Which bank account do you use and does it organize all your spending?

[ Edited ]

Right now, it's a weird mix of Ally for savings, Santander for most of my checking, and Ally for a little bit of my checking (enough in case I need to go to the ATM, although sometimes I do push money around between them when paying bills - student loans still on auto debit out of Ally).

 

Closing Santander has been on my to-do list for months though; it's awful.  Nothing but good things to say about Ally.

BofA Cash Rewards 25,000 (2009) | Citi Forward 10,300 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 6250 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 776 Discover/Barclays TU, 782 Citi Equifax
Goal: 800+
Established Contributor
Posts: 603
Registered: ‎04-24-2014

Re: Which bank account do you use and does it organize all your spending?

I use Chase checking.  I use You Need a Budget to track all my accounts - checking, credit cards, student loan, IRA, etc.  I use Mint online to get quick up to date balance info when I need it.

                   
Equifax® FICO®
804
TransUnion® FICO®
825
                 
Frequent Contributor
Posts: 396
Registered: ‎10-02-2013

Re: Which bank account do you use and does it organize all your spending?


nachoslibres wrote:

I use Chase checking.  I use You Need a Budget to track all my accounts - checking, credit cards, student loan, IRA, etc.  I use Mint online to get quick up to date balance info when I need it.


I agree, I use Mint.  It allows me to catagorize all my spending, across all my bank accounts and cards.

Frequent Contributor
Posts: 415
Registered: ‎06-12-2011

Re: Which bank account do you use and does it organize all your spending?

Oh and I'll add I usually use Personal Capital to track all my accounts/credit cards/loans/etc. together.  Occasionally Mint but I prefer Personal Capital because I can see my 401k and stuff in detail there too, and I'm not a big budgeter (which is Mint's main plus).

BofA Cash Rewards 25,000 (2009) | Citi Forward 10,300 (2011) | Cap1 Quicksilver 19,500 (2013) | Discover It 6250 (2014) | Chase Freedom 6000 (2014) | Barclaycard Sallie Mae 13,000 (2014)

FICO: 776 Discover/Barclays TU, 782 Citi Equifax
Goal: 800+
Frequent Contributor
Posts: 438
Registered: ‎03-19-2013

Re: Which bank account do you use and does it organize all your spending?

I wanted to use it but had trouble adding my barclays credit card.

 

Is youneedabudget autmated and connected to online accounts or you need to do it manually?

 

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.