Bigger banks offer interest checking accounts. Typically they don't pay as much as smaller banks because they don't need your money as bad. The interest you earn on an interest checking account isn't even worth it unless you're consistantly at a $1,000,000.00 balance. Even then, you're better off using a Money Market Savings account or a number of other financial products.
Credit unions and small banks suck because you have to work around their schedule. While they do offer better rates, their products and accessibility are sub-par compared to big banks with better technology and better hours.
If there's ever fraud on your account, it'll be much more difficult getting your money back at a smaller bank and will take longer. Big banks have big corporate security teams and anti-fraud departments which results in you not having to wait nearly as long. Sometimes they refund you the money right away on a temporary credit until it's fully resolved so you're not without your money.
There are pros and cons to every bank. Choose wisely.





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