Just curious...how many online banking accounts do you guys have?

[GrimJack]

I have 3, ING, PayPal, and my Credit Union which just offered me a special checking account - 6.1% but I must make 12 debit card transactions per month. There is a $40,000 limit. I don't understand why but I can't complain except that I am unemployed.

[LivingAlmostLarge]

HSBC and that's it. Works internationally the ATM

[billy1980]

I have two accounts one both of which allow me to bank online. I recently opened an alience & leicester savings account which is soley an online account

[Skooby]

I have two.

FNBO Direct
GMAC

Got three now. Added ING Direct last week for the $25.

[Tim_1983]

I only have a Paypal account and a HSBC current account.

[creditcardfree]

All our banking is online with USSA. We have no brick and mortar bank. I also have Paypal and Revolution Money Exchange, which I opened for the free $25. I probably will close it at some point.

[threebeansalad]

I have Savings accounts and CD's with ING and Emigrant Direct. I recently opened a money market at TD Ameritrade so I could qualify for Suze Orman's $100 bonus. I recently wanted to open a new CD. I went with ING (12 months at 3.3%). The interest rate was a little lower than other banks but I'm truly to not make life too terribly complicated for my DH at tax time.

[maat55]

Just one: HSBC.

I don't care about transfer times and when I opened the account they had one of the highest rates available. Now that their rates have dropped, I can open another account with a higher interest rate, but half a point makes very little difference for an emergency fund with only 10K in it. It's really just not worth the hassle since I don't keep most of my money liquid anyway.

That's questionable, if your getting 3.75 on one account or 1.5 makes a difference, when it comes to inflation. I would rather my EF keep up a little with it.

[Skooby]

my DH at tax time.

I've seen DH on other posts. What does DH stand for?

[disneysteve]

I've seen DH on other posts. What does DH stand for?

Dear Husband or Darling Husband. Same for DW (wife), DD (daughter), DS (son), etc.

[mrvirgo]

I have three: HSBC, ED(just $100) and my credit union. I had one with ING but gave up hope they would ever be competitive again so I closed it. If HSBC doesn't make its 3.50% promo rate permanent, I will move what I have with them back to my credit union. There's an HSBC branch near my house and with a checking account, I can move some cash out instantly if I should need it.

[Coleroo]

I use to play the switcheroo game, looking for the best interest and deals, and ended up with a handful of accounts. It got kinda hard to keep track of.

We now have just one savings (online with HSBC) and one joint checking for bills, and I have one personal checking account from my teen years I don't use much.

[glock35ipsc]

HSBC for the kids savings accounts and FNBO Direct for mine, both are at 3.5%.

We have our checking account with the local FNB, so I opened the FNBO account when I learned about it. Same entity as my local FNB, and the online platform is identical. I keep money in this one as an emergency fund along with the regular EF in a Vanguard MM account.

I can use the FNBO Direct ATM card at any local FNB without paying any fees.

[loulou]

I have several (7 maybe?) accounts with no money in them, but all of my money is in FNBO right now. I just opened an HSA account at Alliant CU and noticed their apy is higher than FNBO's for regular savings accounts, so I might transfer it over there. From what I hear the transfer time is much quicker.

[mrpaseo]

Two, ING and Paypal. Though I do not use paypal but maybe once every two years or so (Since I spend so much time outside the country I do not get the chance to use it).

I use ING to store most of my money (Annual payments, anything that will be paid within 12 months i.e. Christmas savings, Car Insurance, Birthday money rtc.)

Ray