Online Banking-Do you pay Bills? Look at your checking Activity? Does your bank char

  1. My bank charged a $2 fee this month because I monitor my checking account balance online. I do not pay bills online. They said "there would be another $ 2 charge for that."
    And I was charged another $2 for wanting a "paper statement of my monthly checking account activity." (I want them to mail me a monthly statement. )
    They do not return the cancelled checks. The bank stopped doing that a year ago.


    1. Do any of you still receive your checks back with your monthly statement from the bank?
    2. Do you pay bills on-line?
    3. Does your bank charge an "online fee?"
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  2. 39 Comments

  3. by   karenG
    I use online banking. thats to say totally! I use a bank called Cahoot- which has no branches and I do everything online. makes keeping track of my money (what little there is!) easier. dont write checks anymore!

    Karen
  4. by   Cindy_A
    I belong to a credit union, I can check my balnces online, pay my car loan, and our 2nd mtg from the site. I use my debit card a lot, and the only fee I am ever charged is when I use my debit card over the alloted number of times per month. I don't get my checks in my statement, my bank does not charge an on-line fee, and yes I do pay bills on-line. I would look into a credit union, they are much cheaper tahn banks.
  5. by   kids
    My bank offers free unlimited internet and telephone access, there is a $3.95 per month fee for using their website for electronic bill payment. Our checking account is free and we have the option of getting a (free) paper statement in the mail or not. They charge $10/mo if you want copies of your checks each month (banks very rarely exchange the actual paper check any more...transactions are handled electronicly, the checks are microfiched and destroyed).

    I pay for all of out bills by EFT via my banks website, the bills website or over the phone. I use my VISA/debit/ATM card for all purchases...unlimited transactions except for a .75 fee for using ATMs other than my banks more than 5 X in a month.

    The only time I EVER have cash is when I hit the ATM on Fridays for the boys' allowences and the only time I write a check is the the day before payday
  6. by   passing thru
    That brings me to another question.
    A couple of years ago, I paid my credit cards by phone --free ! Now, if I forget to write a check in time, and have to call them to make a phone payment, they all charg $10 to $25.
    I don't like that, so try to pay on time. I like your system kids r us, and i do have a credit union account,,and a bank account. Guess I need to sit down and educate myself to my options and get my bill-paying up to 2003 technology. I'm stuck in my small town ways, and still miss getting my checks in the mail and checking my monthly statement with them. Actually, I was hoping someone would say they still get their checks back and I was thinking I would switch. It is a paperless-moneyless society ...almost, isnt' it?
  7. by   Mkue
    I pay bills online, not all of them, and still get checks with monthly statement.
  8. by   emily_mom
    I don't bank online, but I do pay almost all of our bills that way. Much easier than mailing....
  9. by   niteshiftnurse
    i don't pay bills on line, but i make alot of transfers from one acct to another. i don't pay any charges. i also get my checks with the statement and there is no cost for that either. i can make as many transfers as i want with no charge for anything......no even access
  10. by   researchrabbit
    I pay most of my bills online at the various websites. My bank is 3 blocks away, but I can check my balance online free (which I do).
  11. by   Q.
    I bank on-line, pay bills on line, use my debit card as often as I need too - no fees whatsoever. We belong to University of Wisconsin Credit Union.

    www.uwcu.org

    We used to bank with Bank One, until we realized they charged for even looking at your balance or making a withdrawal. We pay absolutely no stupid fees with uwcu. In fact, if we write a check and we don't have the funds in our checking account, they will automatically draw from your savings or any other various accounts we have to pay the bills - and all for a $3.00 transfer fee, versus a $25 overdraft fee that Bank One used to charge - even though I had the money sitting in another account!

    Anyway, we're happy with our bank.
    Last edit by Susy K on Feb 11, '03
  12. by   passing thru
    That's what ticked me about my bank. First they encouraged everyone to get online to look at their checking accounts. Then, a year later, without even a note, there is the $2 online fee. It isn't the dollar amount as it is no note/message of the fee, and the fee is charged for looking at my checking account balances. It lists the #'s of the checks paid and the amounts of the checks...and deposits made. In other words, I am looking at my online checking account.
  13. by   OBNURSEHEATHER
    I balance my checkbook online, there is not fee or limit to how often I can check it.

    I pay some bills online, but also write some checks. I use my debit card for most purchases.

    I still receive a monthly paper statement and my checks back, for which my bank does not charge. I never open them though, because I balance everything according to my online statement. Keeps everything in line much quicker.

    Heather
  14. by   Lausana
    Ditto! Love online banking I like being able to view all the details of my car loan I have there and very current details of my checking. I'm not really sure about the phone banking, I've never used it before.

    I bank at a credit union & like it much better than when I banked at a bank

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