BANK ACCOUNTS I HAVE & WHY: ALLY, SCHWAB, CHIME
Vložit
- čas přidán 9. 10. 2019
- Welcome to my MissBeHelpful channel!
This video is not sponsored in any way. Just sharing where I bank as of October 2019.
More from MissBeHelpful:
My VERY FIRST video (AWWW): • Get Your Credit Score ...
How to Improve Your Credit Score FAST: • Improve Your Credit Sc...
Common Credit Card Myths: • Common Credit Card Myt...
How I Save Half of My Income: • How I Save Half Of My ...
Why You Need to Start Retirement Saving in Your 20’s: • You MUST Start Retirem...
5 Things to Consider When Applying for New Credit Cards: • 5 Things to Consider W...
Credit Card Rewards… Do’s and Dont’s: • Credit Card Rewards: D...
Become and Expert at Reading You Credit Card Statement: • How To Read Your Credi...
How To Improve Credit With Limited or No Credit History: • How To Improve Credit ...
Best Apps to Save for Retirement with a ROTH IRA: • Best Apps to Save for ...
Best New Way To Improve Credit - No Credit Card Required: • Best NEW Way To Improv...
How Trump Can Affect Your Finances: • Video
How I Use the Grace Period to Avoid Paying Interest: • How I Use the Grace Pe...
Let’s connect:
FACEBOOK: / missbehelpful
INSTAGRAM: / missbehelpful
BUSINESS INQUIRIES: Missbehelpful@gmail.com
’Til next time… PEACE!
Love that feeling when money makes you money!
I have 3 checking accounts:
1. Income checking account
2. Bills checking account
3. Fun checking account
I like this. I may do this too.
I need to open up a fun bank account. Which banks do you use?
I have so many bank accounts from churning 😄
I love this video. Your accent realllly came out in this video and I love it 😂❤️ thank you for this
I love your content and watched this video and saw you went to school in Providence, RI!! I'm literally currently watching from there! It's my hometown! Keep up the great content!!
Great discussion topic! I know Ally is a popular one. I have one at a credit union cause they were giving rates similar to Ally. Interest seems to be dropping as FED drops rates too tho 😞
RealLife Money - Weekly Financial Videos yea but all the banks are doing the same. I’m not worried about it because I got my emergency fund in place! Lol but yeah Ally just went down to 1.8 yesterday :(
So useful! Yes please do one on your investments as well.
I can so relate to you. My parents never talked to me about finances or credit cards even though they were living paycheck to paycheck. That’s probably why you are so great at your videos. It might be why I love sharing tips on how to save money too. LOL great job 👍
i use Ally and Alliant CU. Love them both. Hate the fact that interest rates are going down though. Been tempted to try Varo Bank.
Thank you for your good advice.
Love the video I’m
Looking into scharles schawb now thanks you .. question I was looking at sofi money, what’s your thoughts on it ?
I like the interest but I don’t like the money isn’t fdic insured until it reaches its banks
Thanks for the video beautiful, much appreciated.
Thank you so much for this video! Did you already make a video about where you are currently investing? I am debating going to either Vanguard or Fidelity for my Roth IRA.
Good video! Do you have a opinion on Credit Unions ..low/no fees? Thank You!
Great video. By the way, what checking/debit card do you recommend for children (I.e. Greenlight, GoHenry, Current etc)? Thanks again.
Hey girl, I LOVE Bushwick! I'm from Brooklyn also East NY lol glad i saw your video i was skeptical about Schwab, although my attorney recommended me to them. But i was informed of an interest bearing Acct they have, not a Checking- Acct that also bears interest, so am Happy to know that & will be following up with them ,THANKS! Xo
I was born in Brooklyn I remember the Dime bank which was really called the Dime Savings Bank, my mother put all her dimes in that bank, I guess because of the name. You would used to get a book and they would stamp you book when you made a deposit or withdrawal. I got interest from them too. I used it for years especially when I worked at Horn and Hardart in downtown Brooklyn. Not many Savings banks around any more, the saving banks went bankrupt when the mortgage debacle happened in 2008. Savings banks were just mortgage lenders, and gave pretty good interest on you savings.
Great video & instant Sub!!!...Question...Does CHIME charge a fee for transferring money from CHIME too a connected bank account I have like Chase?
I use USAA for my checking account
I just opened up an Ally saving account because I like the sub category idea after reading I will teach you to be rich book.
I have usaa they are a really good bank.
Big Facts! Bank of America got fees on fess on fees...I used to have them too..and was getting NOTHING in interest lol
YES. Finally 🤗
Awesome show !!
Glad you enjoyed it!
You answered the question I texted you! Thank you!!
Hi Missbehelpful! I don't understand what is the benefit of chime over other checking.
while watching this video an ad popped up from the company “self”. it’s basically a credit builder. have you used it or even heard of it? can you make a video on it if so?! thanks.
I want to build up savings and pay off credit debt.. do you have video on this topic and which one should start with first?
I like capital one 360 performance savings checking. Also I have discover and credit union accounts. Also capital one 360 earns interest on checking chime does not they also have better interest on savings.. I prefer cap 360 over chime.
Who do you have a roth ira with? I was thinking of going with ally since I bank with them but wanted to see how other people think of it...
I’m hearing some things about Chime where they deposit money and then Chime closes their account and they lose their money. Do you know anything about this?
Thank you for sharing I have chase for a long time now and at this moment I have a sapphire banking checking and it's a really good card with no ATM fees any ATM
Ricky campos nice I’ve never heard of it - is that an online bank?
@@missbehelpful yes it's a online banking to
Thank you for sharing! I have Chime and I love it, but I am looking for a savings account that pays a higher interest rate, and I would like to start investing too. Your video was very helpful, I think I will try Ally and Schwab too.
Hey! Quick question; Do Ally, Schwab, and Chime al have Zelle?
It's good to find you again Janelli. I was following your videos some months ago and you helped me, through your great to financial advice, raise my credit score. It was 710 at that time, it's now 822. Now I get low interest loans. All thanks to you. I can't thank you enough. By the way, you're still very pretty. Thanks again.
Javier Sosa hi Javier! Congrats on having an amazing credit score! If you don’t mind, would you kindly share some tips you used or videos of Janelli’s that helped raise your credit score? Thank you!
Has anything changed since you made this video? I'm curious to see if you decided to change to Varo.
Have you used your Charles Schwab internationally? If so, how was it? Also, do you receive direct deposit in your Charles Schwab? And do you need to use the investment/trading feature?
I want a bank that doesn’t have fees or maintenances fees. What other banks are good that were not mentioned in the video?
What's wrong with a Chase checking account? do you Recommend? Plus Chime bank doesn't have Zelle feature and I use Zelle all the time to send my wife money for our kids, which the funds will be available for her immediately.
Primarily use ally , KeyBank and capital one. Yet for online subscriptions i use credit karma and a few others
Ho que preciosa gracias por hablar sobre este tema. Que opinas de MARCUS, and other method like SOFI investment
Hi! Did you keep your Bank of America account? I recently open a Charles Schwab account and wanna close it but I don’t know if it’s a good idea.
I have an account with Ally bank. Can I do an international bank transfer to my Ally checking or savings account?
BOA got me with that same student account, and I got a Hello Kitty debit card/and matching Credit Card 🙄...BOA was so overrated back then
Ice Cold GIRL tell me about it!!!! They tried to get me with the debit card that has my college logo on it and I was so close to getting it smh!
I recommend Ally to most people, I still have mine since I was a freshman in college. Like you, Most of my money is in Schwab as I use the brokerage accounts with them as savings accounts too.
Love both of them so far
Someone recently try to cash a check under my name and boa close my account for fraudulent activity when it was not me I explain to them and filena police report and they still close the account. Now i want to open a new checking account and cant and ive heard on second chance checking account but not really sure if it would work ? Could you do a video on it please.
Same. Boa is really shady honestly. Sorry that happened to you 😕
does Charles schwab HP for their accounts? i need a bank acct to do ACH for my churning process
Geo Hern
Super hard core check...need a very high snob credit rating in order to open up any account these guys CS !
LOL
Do you still have accounts (2024) at and recommend these banks?
YES! Huge fan of Schwab myself for checkings. Gonna try investing with them too.
Ooh tell me what you think of that because I’ve never used the investment features I only use the checking!!
@@missbehelpful Will do!
@@missbehelpful You need to try their SWPPX Index Mutual Fund for retirement accounts. One of the lowest net expense ratios for an S&P 500 funds.
For ETFs in non-retirement accounts, SCHB & SCHD are good options to look into.
@@akin242002 thanks for the tips I'll look into the ETFs!
@@missbehelpful who do you use for investments? What do you think from a customer perspective on Ally? Think you'll stick with Scheab for checking?
I'm curious from an investment perspective on the businesses. Ally is trading at a large discount to tangible book value, has grown deposits quite nicely over the last decade, has respectable returns and seems to have good future prospects. There is some hair because the auto side of the business as far as what writedowns and delinquencies may be... mostly though I want to get in the customers head, understand the qualitative side of things because from a quantifiable perspective (the numbers) the stock looks cheap.
Similar with Schwab. I'm a customer for the reasons you stated. I invest all of my nieces and nephiews money there as well as my own between them and TD (getting acquired by Schw). I like them for their accounts because non of the trades cost anything (like OTC stocks, TD still charges, Robbinhood doesn't offer many tickers...). I think SCHW looks attractive on a normalized basis, some day when interest rates normalize they will be making a lot of money in comparison to todays market cap. Also think they fit, so in the long run may soak up a bunch of investing accounts as the others fizzle out.
Do you still use these accounts? Any others that you use? I am trying to organize finances and wanted to see the most lucrative places to put money
Can you make a video how to transfer money from your local bank to ally online saving account Back and forth transfer Thank you
same here it would be very helpful
You ever have a chase account? Did you like it? That’s all I’ve ever banked with and I like it but I’ve been thinking of switching.
I use to have chase then switched to capital one because they were charging me fees for having less then a certain money amount on my account something like less than $1,500 and their savings interest sucked, I still have and really enjoy Capital One banking but I am now on my way to switching to Charles Schwab for the same reasons she described in the video mostly because of the no atm fees and with capital one you have to go to specific ones that work with them only and sometimes the atms are kinda far depending where you are for capital one.
Currently waiting for my Schwab Debit card :)
Chase is way better bank which they usually wave fees, fight disputes, etc. still, it barely pays interest. Personally, I would use them solely for checking and link with high yield online savings.
What about checking with Ally? Any good?
LOVE
Jenny, from the Block !! lol..... She got her shyyt together...... good informationl..... thanks
I remember Dime Bank!
You sound like Cardi B and Adrienne from the real show
They are all Latina and from New York I believe..
@@melonifitzgerald8273 card aint latina bruh lol
@@AwesomeMan2696 I believe she is. If we are to be specific she is considered Afro Latina. I don’t know her personally but there are articles explaining her background. She is mixed with Dominican ancestry from her fathers side. (I’m not citing sources as this is not a school assignment! 😂😂😂)
Adrienne Is From 3lw & The Cheetah Girls Then It Would Be The Real Lmao
My gosh you are so beautiful! I'm here for helpful information of course!
A New Yorker picked Charles Schwab over Fidelity!? Whaaaat!
All jokes aside, great picks. Alley for the savings and Charles Schwab for checking and retirement investing.
I want to open up a bank account only banks by me are Chase, Comerica and Huntington which one would you suggest
Online banks are better! Check for credit unions in your area, too!
Alright thanks appreciate it
I was shocked when you said Bushwick. I am from there, but live in PR now.
Ayyy
Cool and very informative video and personality Plus too..you need to be on some form of entertainment forum...LOL
Mrs Tessy is legit and her method works like magic I keep earning every single week with her new strategy
I think that she is the best broker I ever seen
thanks for introducing me to Mrs Tessy
My first investment with Mrs Tessy gave me profit of over $24,000 US dollars and ever since then she has never failed to deliver and I can even say she's the most sincere broker I have known
Mrs Tessy is obviously the best, I invested $3,000 and she made profit of $28,000 for me just in 15days
Her success story is everywhere
Wow I need a lady like you you're very smart and sophisticated you know about money I wish I could be around you
Hey Yaneli,
I had BofA as my first bank account and they nickel and dimed me over everything. I said goodbye and took my auto loan with me. Went to Wells Fargo for awhile and then I learned about Crdit Unions. Found me a good one and been there ever since 2000. Never pay for ATM fees dur to the large network of co-ops they contract with. Have checking and liquid, quick access savings. I have two online savings with Ally and Barclays. I will sometimes move my long-term savings around to get better rates and sign up bonuses when they were offered. Now, nary a bonus in sight. 🤷♀️ Like you, my money is spread out and even a secret savings from the hubby. One never really knows, right? LOL, but not really. I don't have trust issues, but never depend on another for financial, mental, spiritual, or emotional stability. We are all fallible, including myself. I see it as earlier retirement if I want or need to. 😁
You're a sneaky one I see
Can you ach ach transfer from schwab to like chime?
Let me know asap please @msbehelpful
@missbehelpful
Yep you def can - just know that it takes a few days to move the money
5:28
Yeah you're very pretty and you do kind of remind me of Adrienne Bailon from The Cheetah Girls
Ally used to have amazing interest rates but now it's dropping so rapidly like what the heck.
It's still better then most and you have to keep up to date with the fed reserve...
It'll bick up just leave it there.
I. BlueBird AmericanExpress
II. BlueBird Bank Account[Visa]
III. Chime
IV. Varo
V. Oxygen
VI. Porte
VII. Bambu
VIII. PoderCard
IX. OneFinance
X. SoFi
XI. Current
XII. SesameCash
XIII. Ando
XIV. Envel
XV. Discover
Are The Ones I Have...
Haha, you're funny :)
How you can be named miss helpful and you don't have timestamps
wait. what you doing at the ATM in 9pm?! girrrrrl!
Great video! PS you remind me of Cardi B
Yes but an educated Cardi B. 🤣🤣
An intelligent and beautiful young lady.
The banking system is insolvent right now. I would never keep my money in any of the big banks.
Stick with local banks or credit unions.
Better yet be your own bank.
Yes! Credit Unions or investment checking accounts.
Ally savings account interest rates have been going down
They are all going down due to fed rate changes
Hello pretty lady. 😀
Hold up 🧐 was that Justin Bieber at your quinceañera
Great video😊 I think you’re very beautiful😍
brandylove Thanks for watching and commenting, Brandy :)
@@missbehelpful Great video & instant Sub!!!...Question...Does CHIME charge a fee for transferring money from CHIME too a connected bank account I have like Chase?
if you really wan to put money to work for you get away from bank accounts and put them in tax advantage accounts that earn more than 8% interest
Yanelly or Giannelly... Im not seeing an engagement ring. Does that mean you’re single ? Every guy loves when a woman takes care of her finances
I Launder my drug dealing proceeds wth BoA. 😂😂
Ben Rivera for legal reasons this is a joke fbi 👀
Hot damn 😍
I came because of the title of the video....But damn you are fine... I can't focus
Are you single?
When you're that beautiful it's hard not to pay attention...keep up the videos
Damn, that PR accent is hard to listen to.