Quote:
Originally Posted by Bill14564
99.9% doesn't help much when you really need that 0.1%:
1. I was able to pick up my golf cart the same day with a bank check from the local citizens first bank. Otherwise, I would have waited a week for the personal check to clear.
2. I was able to deposit a very large check with a trip to the local branch. I don't know what limits the online banks have but I'm skeptical that they would have accepted it via mobile deposit.
3. I dislike paying ATM fees to get cash. A local bank gives me free ATM plus the option of stopping in person.
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1. That's fair, but you could have done a free wire transfer to the dealer, same day.
2. As I said in my previous post, I can deposit up to $100,000/day. That includes ACH and remote check deposits.
3. Both Fidelity and Schwab not only don't charge a fee to use ATMs, the also REIMBURSE the ATM owner's fee. Even internationally. I haven't paid an ATM fee in close to 20 years.
Literally the only thing that I can't do (that I am aware of) is deposit cash. And since I can't remember the last time I have had that need, not an issue for me.