Online Banking Personal Banking Current Account

I hate the bank I have now. I opened my current bank account with my mother and she handled all the personal information then.

I know I can get an account online but I would much rather open the account in person so I can ask someone my questions and get a real response.

I'd like to know what I have to bring to get a savings and/or a checking account. I don't want to have to make two trips to the bank.

First, you must be at least 18 years old and take with you...

Two forms of ID, a drivers license and a second form (ie credit card). Know your social security number. Also, take $25 to open the checking account and sign up for keep the change with a free savings account. Also ask if there is any reward for opening account...$25!

2008-01-25 08:56:10 by Lena

Paid for or premium accounts cost an averge £14.05 a month but do you need to pay for your current account? Nathalie Bonney takes a closer look at ...

i don't want a checking account, just want to close out my current savings account and i've heard online savings accounts pay more interest. what would be my best options? personal experience is preferred :)

I have both and ING and a HSBC online savings account.

The ING pay's 3.00% and the HSBC pays 3.5% as of right now. Set up for both was pretty easy (make sure you have your Account Number and Routing Number for the checking account you are going to use to fund the account with). You will need to have a checking account to open these accounts. My checking account is through Wachovia.

Both of them have the option of drafting your checking account, so you can do weekly, biweekly, monthly or you can just make lump sum deposits.

If you need to get money its a snap you just have them draft the money into you checking account.

2008-09-11 12:20:26 by nameless

I ordered checks through my bank and they got lost. I spoke to an account personal manager at my bank and she suggested using an outside company. I was assured the checks would be acceptable as long as the company used was reputable. Thank you. Joyce

I used Current before and it is safe. Never had any problem with it and it is acceptable all over.

2007-01-03 07:23:38 by joycebigsis1

I'm sorry it this seems like a novel, but I'm a bummed out college student who makes little money. Okay, here goes...

On November 2, I received phone call on my cellphone from someone for a "Magazine Readers Services" about magazine subscriptions, a $100,000 sweepstakes and a diamond watch. I had originally perceived the call as being from the bank due to their extensive knowledge of my account. Unfortunately, I mistakenly gave away some personal banking information though the phone call about my Visa Check Card as they had begun the call requesting confirmation for particular information about my Visa Check Card. This was done prior to the offer of magazine subscriptions, the sweepstakes and other gimmicks. I ended up being lulled into an agreement for several magazine subscriptions that originally started as an amount of $4.99 to an “agreement” for an amount of $68.28. About half an hour later, a representative from my bank called to confirm this pending transaction as it was the first transaction made on my debit card. By checking the online bank account for my debit card, I found out this company's name and learned of this being an alleged “scam.” I proceeded to look into any information about this company as I wanted to know if there was some way to cancel the pending transaction for $68.28 as well as possible future charges from this company.

On November 3, I contacted a local branch of my bank to inquire on any possible solutions to my problem. The bank was able to cancel my Visa Check Card and provide me with a Customer Dispute Affidavit form. From the local branch, I was also able to receive contact information for Magazine Readers Services and proceeded to call them later that day to dispute the transaction. When I called Magazine Readers Services to tell them that I had misinterpreted the offer they had originally made with me and wished to cancel the unwanted services so that I will not encounter future damages, they had refused to accommodate my desire to cancel the unwanted service several times during the call and proceeded to lower the amount to $29.41 from the disputed amount of $68.28. The current charge for this ordeal is $29.41 which was made on November 10, 2009.

Since Nov. 2nd, I've been "digging up dirt" on this particular company. Since then, I've seen several thousands of complaints all over the internet. Also, I've learned the "diamond" watch is not really a diamond watch, but a brand name (false advertising? that's a bummer). I've obtained the address and phone number for the company. I've tried several times to cancel their "services," but each time I am harassed and told that I have an "obligation" to uphold whatever agreement was made. Yesterday, I've heard back from my bank's dispute resolution department saying they can't do anything as the amount disputed has changed ($68.28 to $29.41).Today, I received the first of many possible magazines. I'm open to any suggestions for the time being other than hunting down the telemarketers and sending a barrage of gunfire their way (I'm kidding, of course). Any help will be appreciated as my sense of humor is the only thing keeping me from going insane from this dilemma( and even that is starting to wear out).
I should probably mention that the charges are "per month" not "one-time charges." The $68.28 was for 18 months and I'm not sure if the $29.41 applies the same way.

Hi w...,

My daughter was scammed in June 2009 by National Readers Service (Pittsburgh, PA), and I contacted them over a month later on her behalf. Her story has many similarities to what you’ve described (college student, $68.28/ month, "diamond" watch, refusal to cancel, and "reduced payment" plan offer).

Despite making no progress in her own cancellation attempts, the moment I informed them that a Federal Trade Commission complaint had already been filed and of my intentions to report them to the Attorneys General, the National Consumers League, the Better Business Bureau, and the Magazine Publishers of America they listened. They immediately agreed to close her account and refund her payment. In fact, the charge was already refunded to her closed debit account without our knowledge, and they mistakenly agreed during a follow-up call to mail another refund check!! (Thankfully, we never received that duplicate refund as the temptation to scam THEM would have been difficult to resist!!. lol) She did eventually receive a written cancellation confirmation letter, and HOPEFULLY it is over for her. Detailed letters of the entire experience were sent to the Attorneys General in both our home state and Pennsylvania for their reference as well.

Evidently, telemarketing magazine scam tactics of do not call violations, fraudulent solicitations, refusal to honor implied cancellation periods, deceptive disclosure of costs of their magazines (and other “third party” preview offers), fraudulent creation of multiple accounts and “renewals”, and abusive “collections” practices can be consistently similar regardless of the “company name”. Also magazine companies are notorious for not honoring verbal cancellations. If you choose to contact them by phone, be sure to get any cancellation (or other agreements) IN WRITING or send your own notifications certified mail with return receipt request.

If you believe any company’s business practices to be deceptive or fraudulent, I encourage you to report them to the Federal Trade Commission and Attorneys General regardless of the outcome of your dispute. While the FTC and AGs do not intervene on the behalf of individuals, multiple consumer complaints can show a pattern of fraudulent business practice, trigger official investigations, and make this type of business more difficult to continue.

•FTC complaints can be filed here: http://www.ftccomplaintassistant.gov/
•Any Attorney General can be found here: http://naag.org/attorneys_general.php

If you want assistance resolving your dispute, your local consumer protection organization can be found here http://consumeraction.gov/state.shtml . I personally found my state consumer affairs division’s advice to be invaluable. Both my state consumer affairs office and the Better Business Bureau were willing to assist with arbitrations if needed. Additionally, you can find attorneys specializing in consumer advocacy here http://naca.networkats.com/members_onlin e/members/directorya.asp?token

Specific suggestions for contacting and dealing with a magazine subscription scam company, links with helpful resource information, as well as, convenient complaint submission links to all of the agencies / organizations mentioned above can be found on my blog referenced below. (BTW, no need to apologize to me about to your “novel” … theNRSscam blog has ended up with a life of its own. lol).

Best of luck to you, D/

2009-12-15 16:32:22 by wcmguillermosan017

I'm asking because I recently tried to open a new bank account and the bank told me that my address at Trans Union didn't match my address on my Personal ID I supplied. I have two addresses: mailing and residential, and my current bank uses mailing (P.O. Box), plus the P.O. Box is also on my Driver's License. Where did Trans Union get my address information? It would be interesting to note that I tried opening a Questrade account online, using both address and neither worked. I don't want to go through mailing my ID to Questrade only to figure out the information didn't match up with Trans Union or Equifax.

They get personal information from data that is submitted by creditors. You should routinely check your credit records each year as erroneous information can easily wind up there.

2009-06-05 19:24:42 by Shaney