C.O. 360 checking

[SkyCommander]

Anyone have it and used it recently overseas in foreign ATMs? I got it because of the no/low ATM fees but I’ll be happy as long as whatever ATM or currency charges are less than using my Chase debit card. I plan on using it exclusively on trips and keep Chase as my backup. 

[creditfan]

get schwab debit card, you won't worry about the fee anymore

[Anonymous]

I closed mine because they reported my monthly balances and ACH transactions to Early Warning. Total invasion of privacy.

[Gmood1]

Fidelity is another that has reimbursement on ATMs fees. Sometimes I forget I still have this account. https://www.fidelity.com/cash-management/atm-debit-card
No HP like Schwab to join. I have one of those as well.

Looks like Fidelity is now charging 1% for foreign ATM transactions.

Cap one 360 is slow on increasing the APYs and slow on transfers.

I need to close that one.

Redneck Bank will reimburse up to $25 for foreign ATM fees.

[Anonymous]

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@Gmood1 wrote:

Fidelity is another that has reimbursement on ATMs fees. Sometimes I forget I still have this account. https://www.fidelity.com/cash-management/atm-debit-card
No HP like Schwab to join. I have one of those as well.

Looks like Fidelity is now charging 1% for foreign ATM transactions.

Cap one 360 is slow on increasing the APYs and slow on transfers.

I need to close that one.

Redneck Bank will reimburse up to $25 for foreign ATM fees.

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Might as well go with a Merrill Lynch CMA at that point... Fidelity's interface is butt ugly on both their app and their website. 

Part of choosing a financial institution should involve not looking at an eyesore whenever you want to "bank on the go."

[Anonymous]

I have both 360 checking and Investor Checking from Schwab.  For my purposes, 360 is a better deal because the debit card is a debit mastercard, which for where I spend most of my time (Costa Rica & Latin America) out of the country, typically offers about a 1% better exchange rate than Visa-branded cards (including Schwab's).  You can also easily set up multiple checking and/or savings accounts on 360 to keep funds seperated/organized.  The online banking at 360 is very basic (no way to search/sort transactions!) but works well overseas.  The difference in exchange rate might not be the same everywhere in the world but I expect that it actually is because if you read the small print on the Visa debit agreement on any Visa debit card I've had, they sneak in some language that the exchange rate is calculated by Visa instead of using the prevailing/best exchange rate that Mastercard debit cards use.

[jacetx]

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@Anonymous wrote:

I have both 360 checking and Investor Checking from Schwab.  For my purposes, 360 is a better deal because the debit card is a debit mastercard, which for where I spend most of my time (Costa Rica & Latin America) out of the country, typically offers about a 1% better exchange rate than Visa-branded cards (including Schwab's).  You can also easily set up multiple checking and/or savings accounts on 360 to keep funds seperated/organized.  The online banking at 360 is very basic (no way to search/sort transactions!) but works well overseas.  The difference in exchange rate might not be the same everywhere in the world but I expect that it actually is because if you read the small print on the Visa debit agreement on any Visa debit card I've had, they sneak in some language that the exchange rate is calculated by Visa instead of using the prevailing/best exchange rate that Mastercard debit cards use.

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Are you looking at the same online banking as I am? They have the search option.

[Anonymous]

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@Anonymous wrote:

I have both 360 checking and Investor Checking from Schwab.  For my purposes, 360 is a better deal because the debit card is a debit mastercard, which for where I spend most of my time (Costa Rica & Latin America) out of the country, typically offers about a 1% better exchange rate than Visa-branded cards (including Schwab's).  You can also easily set up multiple checking and/or savings accounts on 360 to keep funds seperated/organized.  The online banking at 360 is very basic (no way to search/sort transactions!) but works well overseas.  The difference in exchange rate might not be the same everywhere in the world but I expect that it actually is because if you read the small print on the Visa debit agreement on any Visa debit card I've had, they sneak in some language that the exchange rate is calculated by Visa instead of using the prevailing/best exchange rate that Mastercard debit cards use.

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Or with a Schwab card, you can just go use any local ATM, not get charged a FX fee, and get whatever fee you were charged reimbursed, nor does Schwab have a currency conversion fee. 

Capital One, on the other hand, wouldn't reimburse you. 

[Gmood1]

I avoid using cash where possible anyway and use a CC with no FTF.
I've pulled money from Ally bank overseas and didn't receive a fee. That's been several years ago, things may have changed.

[SkyCommander]

I also use CC whenever possible but sometimes overseas small shops or rural towns don’t accept them so I withdraw cash from ATMs. I suppose on my next foreign trip I can take out same amount from my 360 and Chase cards and see what the costs are.