topic Re: Best bank with Bill pay in General Credit Topics

Best bank with Bill pay

Anonymous — Mon, 25 Aug 2014 23:06:07 GMT

So, like most of us, we have a lot of accounts to watch over, and i don't like logging into 20 somethin different accounts to make sure everything is good. What bank has the best website, and iPhone app for everything, bill pay, balances, transactions etc. Which one has the overall best experience? Litterally am at a drag right now i don't really like chase's and want to change. FYI, this is the only thing that keeps me at a bank, the bill paying experience.

What do you all think?

Re: Best bank with Bill pay

bdhu2001 — Mon, 25 Aug 2014 23:22:29 GMT

@Anonymous wrote:
So, like most of us, we have a lot of accounts to watch over, and i don't like logging into 20 somethin different accounts to make sure everything is good. What bank has the best website, and iPhone app for everything, bill pay, balances, transactions etc. Which one has the overall best experience? Litterally am at a drag right now i don't really like chase's and want to change. FYI, this is the only thing that keeps me at a bank, the bill paying experience.

What do you all think?

Whatever bank you have probably has bill pay. Unless you have problems with your current bank, I'd say stick with whatever bank you're currently using. But set up a "Mint" acct so that you can log onto one site to see where you stand.

Having said all that, there's a link for Discover's new free checking account, with a $50 sign up bonus, that I found in this forum https://www.discover.com/online-banking/checking-lp-lng-01/?src=S00000AZU&cde=S00000AZU

Re: Best bank with Bill pay

Anonymous — Mon, 25 Aug 2014 23:37:54 GMT

I don't have a discover card... I know.. the one and only, is there any other viable way to get the checking? I see that it asks if i have a previous bank account or credit card login to start. No other option for someone that has neither. I thought about doing a savings first, because it will let me do that, but i have to deposit $500 to open, and i don't want to have to move that kind of money around if i don't like Discover.

Re: Best bank with Bill pay

bdhu2001 — Mon, 25 Aug 2014 23:57:23 GMT

@Anonymous wrote:
I don't have a discover card... I know.. the one and only, is there any other viable way to get the checking? I see that it asks if i have a previous bank account or credit card login to start. No other option for someone that has neither. I thought about doing a savings first, because it will let me do that, but i have to deposit $500 to open, and i don't want to have to move that kind of money around if i don't like Discover.

You have good scores and this is available until 10/2014. Why don't you click on one of the links to apply for the card first and once you're approved, apply for the account. You get your free TU FICO score with the Discover card so it's not a bad card to have.

Re: Best bank with Bill pay

Middleswarth — Tue, 26 Aug 2014 03:02:37 GMT

I have tried several banks and CUs over the years and I have to say USAA is by far the best I've ever used. The Bill Pay is almost perfect. The Android app is superb (I assume the iOS app is as well) and they don't nickle and dime you to death with fees.

I compare them against Wells Fargo, PSECU (still in testing phase but so far USAA wins easily), NFCU, Simple Bank, and Members 1st CU.

The biggest thing I do though is not through my bank. I use MoneyDance to keep track of my bills and accounts. As long as MoneyDance agrees with the bank, I know there's no fraud and all my bills are paid. I highly recommend something like MoneyDance or Quicken to keep track of your finances.

Re: Best bank with Bill pay

takeshi74 — Tue, 26 Aug 2014 12:22:21 GMT

@Anonymous wrote:
i don't like logging into 20 somethin different accounts to make sure everything is good.

It's not a bill pay solution but I'd also suggest Mint for this.

I can't tell you what's best as I haven't used every bank out there but I have also been very happy with USAA's bill pay though I generally don't use it except for bills that don't have their own payment site.

Given the subjective nature of best on any topic it would help if you'd explain exactly what you're looking for in bill pay and how Chase is lacking for you.

Re: Best bank with Bill pay

SgtT77 — Wed, 27 Aug 2014 01:16:40 GMT

I will have to agree that USAA has an excellent bill pay service. I've been with them for 12 years and have seen through out the years the improvments they have made. I have all of my accounts (and I do have a few) synched to USAA except three of them. That's because USAA doesn't have the banks of these cards listed in their database I assume. I even have my investment account listed as well as my other bank accounts from Navy Federal. I can see everything and update the accounts at the push of a button. The app is really good too. Everyone is not eligible for USAA unless you were in the military or you have an immediate family member who's a member and you can join through them.

Re: Best bank with Bill pay

Middleswarth — Wed, 27 Aug 2014 01:41:14 GMT

SgtT77, Even if the payee is not in their database you can still add them manually. They will mail a check for you (and you get the image of the canceled check when it clears). I have one payee like this.

Re: Best bank with Bill pay

Suddenlyy — Wed, 27 Aug 2014 10:53:20 GMT

Citi has amazing bill pay service. Citi's website has a lot of functionality and is very user friendly, glad i switched from a local bank about a year ago. not sure if its the "best" but i have a chase checking account as well and i prefer citis much more.

Re: Best bank with Bill pay

Anonymous — Wed, 27 Aug 2014 13:47:31 GMT

I've used billpay services from Chase, Citi, Ally, US Bank, Amex Serve, they pretty much work in the same way, except Chase. Chase's billpay is the worst.

Re: Best bank with Bill pay

bdhu2001 — Wed, 27 Aug 2014 14:29:21 GMT

@Anonymous wrote:
I've used billpay services from Chase, Citi, Ally, US Bank, Amex Serve, they pretty much work in the same way, except Chase. Chase's billpay is the worst.

Wow!!! I was about to open a Chase joint account with my husband for a rental we own. I would be making the mortgage payments from the account. I guess I better re-think that decision.

Re: Best bank with Bill pay

Anonymous — Mon, 01 Sep 2014 19:36:17 GMT

Does anyone know who USAA pulls? I have freezes on my reports and they wont even let me get a quote on life insurance lol

Re: Best bank with Bill pay

Middleswarth — Tue, 02 Sep 2014 03:02:19 GMT

For credit cards they pulled EQ. In the past they pulled both EQ and EX (this may have been when I first opened my accounts). I do not have any record of them ever pulling TU.

Re: Best bank with Bill pay

Sneakytiki — Tue, 02 Sep 2014 11:25:23 GMT

They hard pulled EQ for apps and soft pulled EX for quotes etc for me.

Re: Best bank with Bill pay

darkfrosty — Tue, 02 Sep 2014 20:48:35 GMT

do they hard pull for opening up a bank account ? USAA that is

Re: Best bank with Bill pay

Anonymous — Tue, 02 Sep 2014 21:23:25 GMT

@darkfrosty wrote:
do they hard pull for opening up a bank account ? USAA that is

I believe they do but their banking is awesome and their website is very well layed out and up to date.

Re: Best bank with Bill pay

14Fiesta — Wed, 03 Sep 2014 18:49:18 GMT

ATTENTION:

For those interested, Discover's Cashback Checking just went live on the website for THE PUBLIC. You now don't need to be a Discover card member to open a checking account with them.

That is all.

Re: Best bank with Bill pay

Anonymous — Fri, 05 Sep 2014 09:41:27 GMT

say whaaaatt!! AWESOME

Re: Best bank with Bill pay

Anonymous — Fri, 05 Sep 2014 09:45:08 GMT

If you have a link, post it! I can't get one, it still wants me to have a card or previous bank account!

Re: Best bank with Bill pay

celluloid17 — Fri, 05 Sep 2014 19:10:31 GMT

I've been a long time Chase checking account holder and in my experience, their bill pay has been really good. Granted, I don't have much to compare it to, but I do like that they immediately modify your account balance to reflect the payment you just initiated, even if it won't post for a couple of days.