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Actually its $1500 to not pay the fee. I don't keep that much money in my account.
Quote:
Originally Posted by sierraAZ
Well, I am with B of A and it's $750. I have a 2nd checking I need for some rare foreign transactions which I keep at this exact amount. I don't believe it's state-specific.
The terms of the account may have changed since you signed up Sie. Many times over the years Wachovia charged me fees they weren't supposed to and upon looking up the account terms they realized they were wrong.
If I were to do that I would pay it off each month as well. I'm just not sure how it would change in Quicken. I should clarify we sign our purchases and it's processed as a credit transaction even though it still comes out of the checking account. I have noticed retailers hiding/eliminating the credit feature on the DIY card readers in attempts to get you to process it as a debit transaction. And some of those who don't use card readers will process it as a debit without asking your preference. Continuation of these practices will cause me to use the Amex on every transaction.
Oh, I don't bother with credit/debit cards. It's straight credit.
Hope your doggy's okay. Did you find out anything?
Enough to scare me about the treatment!
He was supposed to be a foster dog but now we suspect he has Cushings disease. We will be doing more tests this week. Doubt there will be anyone lining up to adopt him so he may just stay with us.
He was supposed to be a foster dog but now we suspect he has Cushings disease. We will be doing more tests this week. Doubt there will be anyone lining up to adopt him so he may just stay with us.
Oh, no. Poor thing. Good luck with the tests, and keep us updated, okay?
Oh, I don't bother with credit/debit cards. It's straight credit.
I do this as well and pay it off directly from my banking online. I'm not down there to pay bills anyways so it works well in that regard. Outside of the nuts and bolts of convenience and a means of paying the bills remotely I am after the frequent flier miles, they end up being worth more than the cash back for me. I carry no debt though and have only a cell phone, car insurance, and storage bill now so I'm not racking up much mileage at the moment.
I am after the frequent flier miles, they end up being worth more than the cash back for me.
Sometimes I wonder if I don't shortchange myself in this area, too... Using the miles has always looked like too much hassle to me. It seems like you won't be able to use them when you want to, even though many claim no-black-out dates, no Sat overnights, etc. BS from the past. Also, I usually buy packages from Expedia and Orbitz and I'm not sure if the miles work in this case...
Discover has quite a bit of 5% cash-back, though, which is not bad. Just about any major online retailer brings 5% back if you click on the Discover link first. Of course, that’s in addition to the 5% in different categories all the time.
The terms of the account may have changed since you signed up Sie. Many times over the years Wachovia charged me fees they weren't supposed to and upon looking up the account terms they realized they were wrong.
Here's the info on BOA again. The whole article has a lot more information on other fees and free checking.
Similarly, Bank of America announced that by the end of the year it would restructure its checking accounts and implement new monthly fees, ranging from $8.95 to $25. And unless you analyze its four new checking offerings carefully to find the one that best fits your spending habits, you could end up paying anywhere between $100 and $300 extra in fees per year.
An increasing number of banks are adding more -- and higher -- fees to checking accounts in response to the CARD Act, which was rolled out last year.
"Free checking is going to become less prevalent, but it's not going to go away like the dinosaurs," said Greg McBride, a senior financial analyst at Bankrate.com.
In fact, he added, about 65% of financial institutions still offer free checking, while 23% offer an account where fees can be waived with actions such as direct deposits.
Bank of America: Currently, Bank of America (BAC, Fortune 500) charges an $8.95 monthly maintenance fees on most checking accounts. But customers could get those charges waived if they make at least one direct payment each month or maintain a balance of $1,500.
Starting at the end of the year, that will all change. If you want a basic checking account where you don't have to worry about keeping up balances of making minimum deposits, you're going to pay a $9 monthly fee. No way around it.
He was supposed to be a foster dog but now we suspect he has Cushings disease. We will be doing more tests this week. Doubt there will be anyone lining up to adopt him so he may just stay with us.
When I was fostering I was absolutely surprised at how some people actually lined up for dogs who had issues like this. I write their web bios so I get all the info on each one and think sometimes, 'there's no way in hell this dog will get adopted.' Then, I was proven wrong.
I remember this little black scottie dog who was a puppy mill dog and his ear and part of his face was missing because of frostbite. Not only did someone adopt this poor fellow, the people were just visiting and paid to have us ship him literally all the way across the country. We spay and neuter all dogs before they are adopted and even do home visits via a vet or the humane society for out of towners and they adopted him with loving intent.
We just recently adopted out a dog where it was well known and explained the dog would eventually need surgery.
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