Banking, using an online bank, cashing checks, etc.
Hello there,
I have read a few posts on the subject of banking, but have not found anything conclusive to help me. My bf and I will be full timing in a few months. We plan on at least one of us keeping our current bank, and trying to bank online. We have Citizen’s right now.
On the road ee will be working for various employers, probably will not have the option of direct deposit, will likely be paid in checks (payroll and personal), and would like to know if anyone can talk about the bank they are currently using. We will be spending the first month traveling, the following 6 months in Montana. I am planning on using SD as my domicile, bf will be using WY. I’m also interested in using a bank I can deposit Money Order’s into, since if I accumulate a lot of cash (for instance from waitressing) I like to change it into MOs.
In the past, when I have done online banking, depositing checks using my phone, there have been a number of problems with it. One bank I used would not let me deposit personal checks over $200, nor would it let me deposit PAYROLL checks over $500. This was very limiting as you might imagine. Without a sticks and bricks location (or ATM in the state), my only hope to deposit the check was to send it to them and allow for 7-14 business days for processing. What a pain in the ass.
I was trying to look up several other banks that I could use:
It looks like Citizen’s has a limit on the amount you can put in as well, although it doesn’t specify the amount. It also prohibits you to mobile deposit Money Orders, traveler’s checks, etc.
Capital One’s terms and conditions don’t specify the maximum amount, just that there are maximums:
“The Services are subject to limits including daily and monthly limits on the dollar amounts of Images you can Transmit. We can modify these limits and add others at any time at our option.”
What banks do fulltimers (without direct deposit) use? What issues, if any, have you run across with these banks?
Thanks for any information you can provide!
I have read a few posts on the subject of banking, but have not found anything conclusive to help me. My bf and I will be full timing in a few months. We plan on at least one of us keeping our current bank, and trying to bank online. We have Citizen’s right now.
On the road ee will be working for various employers, probably will not have the option of direct deposit, will likely be paid in checks (payroll and personal), and would like to know if anyone can talk about the bank they are currently using. We will be spending the first month traveling, the following 6 months in Montana. I am planning on using SD as my domicile, bf will be using WY. I’m also interested in using a bank I can deposit Money Order’s into, since if I accumulate a lot of cash (for instance from waitressing) I like to change it into MOs.
In the past, when I have done online banking, depositing checks using my phone, there have been a number of problems with it. One bank I used would not let me deposit personal checks over $200, nor would it let me deposit PAYROLL checks over $500. This was very limiting as you might imagine. Without a sticks and bricks location (or ATM in the state), my only hope to deposit the check was to send it to them and allow for 7-14 business days for processing. What a pain in the ass.
I was trying to look up several other banks that I could use:
It looks like Citizen’s has a limit on the amount you can put in as well, although it doesn’t specify the amount. It also prohibits you to mobile deposit Money Orders, traveler’s checks, etc.
Capital One’s terms and conditions don’t specify the maximum amount, just that there are maximums:
“The Services are subject to limits including daily and monthly limits on the dollar amounts of Images you can Transmit. We can modify these limits and add others at any time at our option.”
What banks do fulltimers (without direct deposit) use? What issues, if any, have you run across with these banks?
Thanks for any information you can provide!
