Online banking is quickly gaining popularity and overtaking the traditional brick and mortar monetary exchange services. If you want to enjoy peace of mind with your money then consider opening an account with any of the following Trusted Online US Bank to Deposit institutions.
10. Barclays Online Banking US
Barclays recently launched their online service sector where clients have an opportunity of participating in safe and secure internet banking. Once you open an online account, it would be FDIC insured to a maximum of about 250,000USD per depositor or deposit category. The bank adheres to very high standards of operation, which ensures that your virtual account and all transactions made are completely protected. Moreover, with the current account users can directly link their banking profile to another existing US account, or modify their details at any convenient time. Online banking offers users great rates and versatile accessibility to funds. Virtual account holders would also enjoy simple, scheduled monetary transfers and faster direct deposit systems for regular savings.
A recent online banking index report named Citibank one of the best traditional financial institutions for internet money management. Most of their clients are fully satisfied by the range of services that are on offer, especially those that are online. Citibank’s official website functions well and rarely experiences breakdowns-it also offers easy transaction platforms that only take seconds to completely process. Other services that one will enjoy are mobile banking and free checking or online bill payments for those who meet their few terms and conditions. In addition, a direct link banking app is available for all Android and iPhone phones with 24/7 Live customer support.
8. U.S Bank National Association
This is one of the few banks that accept online check deposit payments from home, office or the streets, you can make virtual transactions easily and safely from anywhere you are. All that’s required is a good scanner and computer, the scanner is used to take photos of your identification details such as the National ID for security reasons. You can also transfer funds from your bank to other financial institutions at the click of a button, including payment of bills and other financial routines.
Nevertheless, some policies apply before one is allowed to make any transactions, for instance, they should be registered US online banking customers having direct ownership to their respective savings or checking accounts. One should also show proof of at least 2 returned deposited items within the last 3 months period.
7. Schwab Bank High-Yield Investor Checking
Many customers believe this is the best virtual checking account, it’s easy to maintain since the holder doesn’t require any monthly fees or minimum balance. The bank also offers higher average interest rates compared to competitors, plus charges for withdrawing cash from any ATM internationally are quickly reimbursed without imposing limits like in other banks. All online bill payments are free including check transactions, moreover they provide 24/7 Live Phone support for emergency requests and a full-cover guarantee that protects against losses in case there’s any unauthorized access. Customers would also get remote deposit services, so that they can easily deposit checks by scanning with their PCs.
6. Sallie Mae Bank Online Savings Account
Reviewers highly recommend this bank for its modest interest rates, zero fees and few account ownership requirements. There’s no minimum amount required to open a new account, plus clients can earn cash from the bank through active participation in their Upromise Cash Back program. By directly linking their Upromise accounts with their savings, users can earn bonuses of up to 10% their average Upromise earnings accrued during the whole calendar year. This money can then be transferred to your savings account. Clients can only get six withdrawals a month without incurring any fees. Nonetheless cash transfer is the only available through the withdrawal option, account holders are advised not to use this service for short-term saving purposes.
5. SmartyPig Online Purchase Bank
SmartyPig offers quality online saving opportunities for making special purchases, which should not be confused with emergency savings. These accounts are easy to manage from anywhere you are, one can directly log in using their tablet or smartphone. Your SmartyPig account would be loaded by a mandatory monthly deposit. The account holder would be required to open a subaccount for every new purchase goal. By making purchases at retail sites that have partnered with the company, you will get extra bonus money.
4. ING Direct Banking
It’s amongst the first strictly-online banks to operate in US. Due to their experience in the industry many people trust them with safekeeping money; the user-friendly interface also allows account holders to make online transactions effortlessly. ING offers competitive rates and doesn’t impose extra fees or minimum balance amounts for all its accounts. There are two types of accounts that one can open for free, Orange Savings and Electric Orange Checking online accounts. The group also offers remote monetary deposit options, where one can directly deposit checks from a home computer or smartphone. Note, ING Direct was recently bought by Capital One and may change their name soon.
3. PerkStreet Financial
They offer reward checking accounts in partnership with the Bancorp Bank group, this account encourages users not to pay excessively for online purchases and go into debt. Instead, one would be rewarded for making good use of their respective debit cards. The company also has Twitter and Facebook links where customers can freely share their money-saving ideas with others.
2. FNB Online Banking
This bank makes organizing and management of finances a breeze for its virtual customers. One can check their account balance, make cash-transfers and pay bills from their mobile phones. There’s also 24/7 help desk support for emergency assistance. Additionally, account holders can receive transaction alerts through email to remain updated with all past and present account activities. You can as well make credit payments through the net or institute automatic payments for absolutely free.
1. America’s Online Bank Of Interest
It’s one of the earliest online banking institutions in US, it promises users great interest savings without incurring any additional fees. One can open an online account with as little as 100USD and enjoy zero maintenance fee requirements. There’s also a Mobile App available for iPad, Android and iPhone which is safe, convenient and fast. One can also check virtual account balances or transfer cash between eligible bank accounts for free.