i'm 18 and i wanna open a checking %26amp; savings account for the first time. plz answer these following questions so i can have a better knowledge in banking:
1. i don't have a job yet. can i still open a bank account?
2. i'm considering these following banks to open a bank account w/: WaMu, Citi, BoA, and HSBC. which one is the best w/ no monthly fees, extra fees, high interest, etc?:
3. is it a good idea to open one checking account at one bank and one savings account at another? if i wanna transfer my money from a savings account to a checking account at a different bank, how do i do it?
4. what's the difference between a online savings account and a regular savings account? which one is better to have? how does a online account work? (like how do you deposit/withdraw money?)
5. what does it mean to "maintain a balance"? is it good if there's "no minimum balance"?
p.s. i live in the US if that helps.|||As long as you have money to open an account, you can do this.
As far as preferences to the bank, check each one out and see what the fees are, etc. Try to get a bank that has low or no fees.
You can open a checking account in one bank and a savings at another if the rates are better for you. You may get a higher interest rate at one bank for savings than another. Check them out.
Most banks have online services. Once you open an account and get your account numbers you can go online and check balances, pay bills, and transfer from checking to savings and vise versa. Some banks even allow you to transfer from one bank to the another.
Some banks, most of them, require you to keep a minimum in your savings and or checking account or an monthly fee applies.
CHECK OUT ALL THE BANKS AND FEES and than decide.|||Staying at home was really important to me so I did a lot of research to find out legit companies that will pay you to work at home. I have them listed on my blog. http://easyworkfromhome.notlong.com
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