Online Banking
Anyone here sign up for online banking, Savings, CD's, or money market?
Are they safe? Interest rates are great |
Yes, as long as you check their FDIC number to make sure they are legitimate
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for new customers. |
Fidelity. Good app. Safe, secure & good service when calling (you will talk to real people located in the USA). I have used them for more than 30 years. Vanguard and Schwab are also highly rated. Fidelity has money market funds that pay well. Easy to purchase treasury bonds, corporate bonds or CD’s online. Over the years my Fidelity card has been hacked a few times during travels to south america and Europe. Fidelity always quickly replaced the card and returned my money.
There are very few Fidelity walk in offices yet there is one here in The Villages. But i only work online. |
Yes
You just have to use a good password and protect it. |
Been using online and cell phone banking since it was available.
Never a problem, simple to use, and very secure. Can't understand anyone not using it. My ten digital cents! |
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Back to the original question, have used online banking for several years, however I ONLY use the ones that offer 2FA (2 factor authentication), I sign-in, and then get a text message on my cell phone with a code number which I have to enter on my computer on get into the site, works very well.
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Does Fidelity do this for people out of the goodness of their heart or are there fees? |
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Since Fidelity (and Vanguard as well) have very little bricks and mortar their costs are lower than the big banks. No transaction fees to buy bonds or CD’s … they make their money on these from the bid/ask spread. No fees for checking or brokerage accounts .. Small fees for trading stocks. Fidelity makes their money in their 401k business and managing/selling their mutual funds and ETF’s. They have $9.6 trillion under management and $24 billion revenue. They are a private company, but i believe they are very profitable I have used Fidelity for checking & online bill pay for years without issue. |
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Find advisor to help. Have used Edward Jones for years for certain investments, i.e, CD's, Money Market etc. |
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