Freedom - Time to dust it off

[Anonymous]

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@Ghoshida wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

i always max out my freedom bonus categories each quarter. So in total,i earn 33000 UR points,for a no AF card,FD is awesome

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36,000 you mean.

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HOW 36K?

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I forget.

Actually it is 30,000. So we were both wrong.

6,000 x 5 = 30,000.

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I guess bigbang has a Chase Checking account that gives 10% back annually.

This will be the last year with that bonus though.

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Well.

Yeah. That.

[bigbang91]

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@Ghoshida wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

i always max out my freedom bonus categories each quarter. So in total,i earn 33000 UR points,for a no AF card,FD is awesome

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36,000 you mean.

---

HOW 36K?

---

I forget.

Actually it is 30,000. So we were both wrong.

6,000 x 5 = 30,000.

---

I guess bigbang has a Chase Checking account that gives 10% back annually.

This will be the last year with that bonus though.

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Yup this,last time to get  10%,im gonna miss it

[Ghoshida]

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@bigbang91 wrote:

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@Ghoshida wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

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@Anonymous wrote:

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@bigbang91 wrote:

i always max out my freedom bonus categories each quarter. So in total,i earn 33000 UR points,for a no AF card,FD is awesome

---

36,000 you mean.

---

HOW 36K?

---

I forget.

Actually it is 30,000. So we were both wrong.

6,000 x 5 = 30,000.

---

I guess bigbang has a Chase Checking account that gives 10% back annually.

This will be the last year with that bonus though.

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Yup this,last time to get  10%,im gonna miss it

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Next year I'm going to close my Chase bank accounts and move it all to Ally Bank. No ATM fees, ever.

[chalupaman]

Freedom I'll be using a lot especially for the sign up bonus. In a month, I'll see if I can get it upped to $200. I'm already using this card at restaurants so I'm gonna keep it up.

[Anonymous]

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@Ghoshida wrote:

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Next year I'm going to close my Chase bank accounts and move it all to Ally Bank. No ATM fees, ever.

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Yes, Internet banks are the way to go, much better interest rates, all ATM fees redeemed etc.

[mongstradamus]

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@Anonymous wrote:

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@Ghoshida wrote:

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Next year I'm going to close my Chase bank accounts and move it all to Ally Bank. No ATM fees, ever.

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Yes, Internet banks are the way to go, much better interest rates, all ATM fees redeemed etc.

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I totally agree i rather get savings rates around 1% compared to brick and mortars .03%. Some of the online banks also give you interest on checking which is pretty much unheard of with brick and mortar banks. 

[Open123]

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@Anonymous wrote:

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@Ghoshida wrote:

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Next year I'm going to close my Chase bank accounts and move it all to Ally Bank. No ATM fees, ever.

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Yes, Internet banks are the way to go, much better interest rates, all ATM fees redeemed etc.

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Right, the only reason I can think of to have a b&m bank is for wire transfers and business cash deposits.  That's it, really.  Now, for Chase, having a checking account makes it easier to cashout UR points, assuming one doesn't redeem them for travel.  

Not sure if there's an option to request a check.

[CreditCuriosity]

Opening a Fidelity Cash management account today actually.. Acts just like a checking and they reimburse you for all ATM withdrawls domestic and abroad(I believe abroad). no fees, free checks acts just like a checking, but can link to your Brokerage account, etc...  I see absolutely no draw back.. They will be my main bank and US Bank will just be used if I ever need anything immediately such as cashing a check or something..

[Anonymous]

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@CreditCuriousity wrote:

Opening a Fidelity Cash management account today actually.. Acts just like a checking and they reimburse you for all ATM withdrawls domestic and abroad(I believe abroad). no fees, free checks acts just like a checking, but can link to your Brokerage account, etc...  I see absolutely no draw back.. They will be my main bank and US Bank will just be used if I ever need anything immediately such as cashing a check or something..

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Fidelity as in Fidelity AMEX Fidelity?

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

Opening a Fidelity Cash management account today actually.. Acts just like a checking and they reimburse you for all ATM withdrawls domestic and abroad(I believe abroad). no fees, free checks acts just like a checking, but can link to your Brokerage account, etc...  I see absolutely no draw back.. They will be my main bank and US Bank will just be used if I ever need anything immediately such as cashing a check or something..

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Fidelity as in Fidelity AMEX Fidelity?

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Yes,but this is a cash management account associated with my brokerage account and 403b accounts as well, but acts like a checking... Thought about getting the Fidelity Amex as I am targeted, but hate I mean hate BofA and everything they stand for..

FYI: https://www.fidelity.com/cash-management/faqs-cash-management-account