@subwaysandwich wrote:Does anyone have a combination of the two? I've been using BOA for 5 years and I'm finally deciding that I'm not going to pay the $12 monthly fee, which is kind of ridiculous if I think about it.. Is Discover just as reliable? Thanks!
I have both accounts and they both offer pretty much the same service. My BofA checking account does not come with any monthly fees. The only fee I would pay is the 12$ for incoming international wires (per wire) and Discover is offering this free of charge thru BNY Mellon. Both offer bill pay and mobile deposits. Debit card for free and Discover offers even free paper checks. The only thing I experience with Discover bank is that their website quite often is down on week ends or at night for maintenance and this is something I never experienced with BofA.
What you also might consider is the Fidelity Cash Management account. Looks pretty nice to me but I have not tested much yet. As I would like to app for the Fidelity Amex I figured I will open it now and be ready for next year 
But would consider it anytime as my checking account.
@lg8302ch wrote:
@subwaysandwich wrote:Does anyone have a combination of the two? I've been using BOA for 5 years and I'm finally deciding that I'm not going to pay the $12 monthly fee, which is kind of ridiculous if I think about it.. Is Discover just as reliable? Thanks!
I have both accounts and they both offer pretty much the same service. My BofA checking account does not come with any monthly fees. The only fee I would pay is the 12$ for incoming international wires (per wire) and Discover is offering this free of charge thru BNY Mellon. Both offer bill pay and mobile deposits. Debit card for free and Discover offers even free paper checks. The only thing I experience with Discover bank is that their website quite often is down on week ends or at night for maintenance and this is something I never experienced with BofA.
What you also might consider is the Fidelity Cash Management account. Looks pretty nice to me but I have not tested much yet. As I would like to app for the Fidelity Amex I figured I will open it now and be ready for next year
How long does it take to process the online bill pay for discover? It seems like it takes much longer than BOA? And I did notice that discover is usually down at night or on the weekends.
@Anonymous wrote:
Don't know anything about Discover banking, but you know that BoA has totally FEE FREE checking account, provided you promise to never enter a branch (do everything online and use their ATM's). That's what I do, and since their tellers are no great beauties, I prefer their ATMs, anyway.
There is ? They only offer 2 Checking accounts and both are FREE*
*Blah Blah Blah Fine print
@Anonymous wrote:
@subwaysandwich wrote:How can I opt for this fee free checking?... Do I request it online or at a local branch?
You may be able to do it online via Chat. Either that or call their customer service line and they can do it over the phone. No need to really go into the branch.
I asked and they said there is no such thing...? lol?... It's called the ebanking checkings account, but they don't offer it anymore 
@subwaysandwich wrote:
@Anonymous wrote:
@subwaysandwich wrote:How can I opt for this fee free checking?... Do I request it online or at a local branch?
You may be able to do it online via Chat. Either that or call their customer service line and they can do it over the phone. No need to really go into the branch.
I asked and they said there is no such thing...? lol?... It's called the ebanking checkings account, but they don't offer it anymore
Seems like things have changed. I never bother looking to see what they, but now that I did look, I have the Core checking. Because I get my paycheck direct deposited into it every two weeks, I don't pay the monthly fee. I guess you may have to check out Discover checking.