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Old 02-15-2017, 07:54 PM
 
1,375 posts, read 1,188,523 times
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Kid wants to join a gym requiring EFS from checking so I want to open him a checking just for that - I don't want any fees and gonna be less then $100 in there at times. Prefer an institution not affiliated with my accounts.
Anybody have a bank or credit union that will accommodate that?
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Old 02-15-2017, 10:28 PM
 
Location: On the Great South Bay
9,152 posts, read 13,184,404 times
Reputation: 10125
Quote:
Originally Posted by chattyneighbor View Post
Kid wants to join a gym requiring EFS from checking so I want to open him a checking just for that - I don't want any fees and gonna be less then $100 in there at times. Prefer an institution not affiliated with my accounts.
Anybody have a bank or credit union that will accommodate that?
I am not sure what their policies are but some of the larger LI credit unions like Bethpage Federal Credit Union, Teachers Federal Credit Union and Nassau Educators Federal Credit Union might be what you are looking for. It is much easier to join them then in the past.

Credit Unions, along with some of the smaller savings banks like Apple Bank seem to me to be more customer friendly then some of the larger banks. Maybe you should contact some of them to find out some of the details?
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Old 02-15-2017, 11:27 PM
 
Location: Long Island
9,926 posts, read 23,090,299 times
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If you can manage a balance of $100, TD bank will offer a free account to an individual ($1,500 for business accounts).
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Old 02-16-2017, 06:10 AM
 
2 posts, read 2,503 times
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I can't vouch for any banks or credit unions in the area, however it's important to point out that TD Bank requires a $100 average daily balance. That means the bank account has to average $100 every single day, otherwise a fee will be assessed.
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Old 02-16-2017, 07:12 AM
 
Location: Inis Fada
16,966 posts, read 34,636,857 times
Reputation: 7722
Quote:
Originally Posted by chattyneighbor View Post
Kid wants to join a gym requiring EFS from checking so I want to open him a checking just for that - I don't want any fees and gonna be less then $100 in there at times. Prefer an institution not affiliated with my accounts.
Anybody have a bank or credit union that will accommodate that?
How old is 'kid' and is he a college or HS student?
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Old 02-16-2017, 07:22 AM
 
Location: Long Island, NY
7,844 posts, read 13,204,065 times
Reputation: 9247
Quote:
Originally Posted by chattyneighbor View Post
Kid wants to join a gym requiring EFS from checking so I want to open him a checking just for that - I don't want any fees and gonna be less then $100 in there at times. Prefer an institution not affiliated with my accounts.
Anybody have a bank or credit union that will accommodate that?
If he's a student under 23, he can have the fee waived at Bank of America


Bank of America


You may also want to check out NY Community Bank


https://www.mynycb.com/PersonalBanki...-Checking.aspx
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Old 02-16-2017, 08:31 AM
 
345 posts, read 337,318 times
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Use an online bank. I have Ally for my checking account and it's great. No fees, no BS.
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Old 02-16-2017, 10:16 AM
 
732 posts, read 877,420 times
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Use Discover Bank.
No fees on any balance, no deposit fee to open the account.
Free checks anytime, free withdrawals from ATM (search on their website. Mostly fastfood joints, 7-11, drug store ATMs).
You get $0.10 cash back from any purchases on your debit card, checks and online payments.

I have 4 bank accounts and I think Discover is the best for anyone who does not have enough money to cover the monthly balance fee.
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Old 02-16-2017, 10:57 AM
 
155 posts, read 173,635 times
Reputation: 96
Another vote for a credit union...I've been a member of Bethpage FCU forever and they're great. No fees and no minimum.
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Old 02-16-2017, 01:23 PM
 
11,597 posts, read 12,633,715 times
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How old is the kid? Most offer (Chase, BOA, etc.) checking accounts for students with no fees.
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