Citibank Internet saving account 를 쓰고 있는데 한달에 세이빙에서 6번이상 withdrawl 또는 transfer 하면 안되고.. ATM 도 fee free ATM 만 찾아서 써야 하고 해서 좀 불편합니다.. 그래서 슈왑 체킹 어카운트 요새 선전도 많이 하고 ATM fee 차지 된만큼 매달 리임버스 해주고 minimum 도 없고 unlimited checking writing, no service fee … 머 다 괜찮아 보이는데..

실제 써보신분이나 쓰시고 계신분들중에 머 별다른 불편한 사항이나 안좋은점이 있나해서 궁금합니다.

감사합니다.

전 Charles Schwab은 아니고, ETrade 인데, 컨셉은 비슷한것 같네요. 아주 편하더라구요. 아무데서나 돈 뽑아도, 붙었던 ATM fee가 바로 계좌에 reimburse되구요. 특별히 문제생긴일도 없지만, 문제 있으면 전화상담서비스도 좋구요. 다만 그래도 체킹어카운트인데, Citibank internal saving만큼의 이자율이 되나요? Etrade Checking도 4%정도 되는데, 그래도 saving은 5.05% 거든요. 1%차이지만, 돈이 많이있으면 무시못하죠.
그리고 cheking account 이자율 높게 주는거, 잘 보면, 얼마 이상 deposit해놔야 그렇게 주는 경우가 많습니다. 잘 확인하시길.

Citibank 2006년도 5% 할때 열었었는데.. 이제는 4% 거든여. Variable interest rate is subject to change without notice. 라고 statement 가 있는데.. 그렇더군여.. 첫 몇개월 5% 이다가 이제는 4% 밖에 안되요.

그리고 찰스 슈왑에 보면 체킹에 펀드가 있기만 하면 APY 4.0 % 이라는거 같네여..
그래도 여기저기서 현금인출되고.. 브로커리지 어카운트도 사용할수 있고.. 이자도 괜찮게 주니 한번 열어보려구여. 세이빙은 한 스테이먼트 피리어드에 6번이상 인출할수도 없으니.. 그런것도 좀 나은것 같구여.

1. The Annual Percentage Yield (APY) on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 4.00% as of 01/11/2008. This rate is variable and may change without notice. The current APY on the Schwab Bank Investor Checking account for an account with $1 is 8 times higher t(when rounded to the nearest whole number) than the national average APY of banks and thrifts (excludes credit unions), based upon a survey by Informa Research Services, Inc., Calabasas, CA, (www.informars.com), as of January 4, 2008. Although the information has been obtained from the various institutions themselves, its accuracy cannot be guaranteed.

The following is from Schwab website:
Open an account with $0.
Account service fees: None.
Who’s it for? US Residents aged 18 and over.

However, you have to read the small print, too/

Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by Schwab Bank, Member FDIC and an Equal Housing Lender.

1. The Annual Percentage Yield (APY) on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 4.00% as of 01/11/2008. This rate is variable and may change without notice. The current APY on the Schwab Bank Investor Checking account for an account with $1 is 8 times higher t(when rounded to the nearest whole number) than the national average APY of banks and thrifts (excludes credit unions), based upon a survey by Informa Research Services, Inc., Calabasas, CA, (www.informars.com), as of January 4, 2008. Although the information has been obtained from the various institutions themselves, its accuracy cannot be guaranteed.
2. Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa® Platinum Check Card wherever it is accepted. ATM fee rebates do not include currency exchange fees; fees imposed by merchants for POS transactions; or fees for stamp purchases, balance inquiries, or any transactions other than an ATM cash withdrawal from your Schwab Bank account. Schwab Bank makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Client Service Specialist for assistance. Schwab Bank reserves the right to modify or discontinue the ATM fee rebate at any time.
3. Funds deposited at Charles Schwab Bank are insured, in aggregate, up to $100,000 (based on account ownership type) by the Federal Deposit Insurance Corporation (FDIC).

Wamu Online Saving 추천합니다. 현재 APY 4.75%이네요. 전에는 5%였는데… Withdrawl 무제한이고 미니멈 1불이고 브랜치가 많아서 ATM 사용하기에도 좋구요. 현재 쓰고 있는데 만족합니다.