banking when full timing

We use the credit union we have had for years. Any money coming in is usually an electronic deposit. I go online to their bill pay once per month and pay all bills. I do not have anything auto deducted. There is not charge for me to do it on the day I want. Billing statements are usually available online if you need them. In the even we do get a personal check for a birthday or something, we endorse the back "For Deposit Only" sign and put it in the mail to our credit union. When we upgrade to a smarter phone, we could do it online too. We get money back if needed when we do our grocery shopping. We rarely need to go to an actual building but do visit our credit union a few times in the summer when in that state.

We use Ally Bank. They have a no ATM fee if you use an AllPoint ATM.

No issues and really very happy with Ally Bank.

Call Chuck! We used Schwab Bank while full timing. They have great customer service, seamless online banking, and rebates for all ATM fees.

Our main accounts are at BofA.
My wife has a secondary account that her employer required for her work along with a Chase credit card. She didn't give it up!

enblethen wrote:
Why not open a second BofA account?
My wife has a Chase account that was opened while she was still working for her expenses. She still has it, but we use our main account.
Get Cash Rewards BofA credit card. It really helps on long trips for the various amounts of kick backs especially on fuel.

I am a little confused is Chase your main bank? That's what we have now, we plan to go full time next year and i was not planning on switching

Bill.Satellite wrote:
Well, we were! Once we finished up our coach purchase we left for TX to get it registered and pay the man all the money we had left in taxes!

Oh well. Opportunity Lost.

Well, we were! Once we finished up our coach purchase we left for TX to get it registered and pay the man all the money we had left in taxes!

Bill.Satellite wrote:
We have been BOA customers for many, many years, even before we started full-timing. We have been full timing (truly moving and living) since 2000 and BOA has only failed us a few times. There are a couple of pockets around the US where a BOA or BOA ATM does not exist. No matter, though. Need cash in a banking desert? Stop by Wal-Mart, make a purchase and get whatever you need as cash back using your debit card. Need to deposit a check and no bank or ATM is available? Use the BOA app to take a picture of the check and it's in your account in a matter of seconds.
I needed a certified check to buy our new (to us) Prevost a couple of weeks ago and there were only 2 BOA's in the Knoxville, TN area. We were about 30 minutes away, drove "to town", got the check and delivered it to the dealer. Done and done!
We transfer funds from investment to banking and banking to investment with the click of a button. Bills are paid using our BOA CC automatically and we pay the CC off monthly. We also get a cash back reward with the card in the $50-$80/month range having done nothing more than pay our bills!
Love BOA!

BILL! Youre near Knoxville right now? I'm close (enough). Lets get together and have lunch.

mleekamp wrote:
I know I'm an outlier here, both in that we don't "full time" but do spend a month at a time, or bit more, on the road during the year....and the fact we use our credit union.

I'm putting my 2 cents in simply because I feel you shouldn't overlook a local credit union vs. a bank. Fees are nearly non-existent except for ATM outside our network....however, we mostly use the card and, like you all, bill pay online/auto pay.

Bottom line, just my 2 cents, credit unions offer same services for less fees. In my experience.

x2 on the local credit union. I do nearly 100% of my banking online with mu local CU. Never had any issues. Pay all my bills either directly online with the biller, or the CU bill pay app.

I see no reason why I couldn't keep doing that while on the road. In all my vacations, I've never had a reason to have to go into a brick and mortar branch anywhere.

Mike

We have been BOA customers for many, many years, even before we started full-timing. We have been full timing (truly moving and living) since 2000 and BOA has only failed us a few times. There are a couple of pockets around the US where a BOA or BOA ATM does not exist. No matter, though. Need cash in a banking desert? Stop by Wal-Mart, make a purchase and get whatever you need as cash back using your debit card. Need to deposit a check and no bank or ATM is available? Use the BOA app to take a picture of the check and it's in your account in a matter of seconds.
I needed a certified check to buy our new (to us) Prevost a couple of weeks ago and there were only 2 BOA's in the Knoxville, TN area. We were about 30 minutes away, drove "to town", got the check and delivered it to the dealer. Done and done!
We transfer funds from investment to banking and banking to investment with the click of a button. Bills are paid using our BOA CC automatically and we pay the CC off monthly. We also get a cash back reward with the card in the $50-$80/month range having done nothing more than pay our bills!
Love BOA!