The Best Debit Card of 2023 (Honest Review)

Подписаться 540 тыс.

Просмотров 129 тыс.

50% 1

#debitcard #charlesschwab #travelcard
My Top Credit Card Offers: bit.ly/johnsfi...
Top Travel Credit Card www.comparecre...
Best Card for Rent bit.ly/biltjft
Favorite Amex Credit Card www.comparecre...
Top Beginner Card www.comparecre...
Top Gas or Grocery Card www.comparecre...
Favorite Business Credit Card bit.ly/41Sj8nD
This is the best debit card of 2023, period. The Charles Schwab High Yield Investor Checking Account. I have had my account for 6 years now and it’s my go to card when it comes to accessing my cash, especially while traveling. The account has next to no fees, it’s the perfect set it and forget account out there. The only downside is the “High Yield” naming, at .4% APY it is very much not high yield in any sense. I would recommend you use this card as a staging card for cash access. Bank with any banks of your choosing especially given some of the attractive APYs out there. But load money to Schwab Debit when you’re planning to travel.
Advertiser Disclaimer: Some of the card links and other products that appear on this website are from companies for which John Liang will earn an affiliate commission or referral bonus. This means that if you click on one of the product links, I may receive a commission. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
tags: charles schwab, schwab review, charles schwab review schwab debit card, best debit card, best travel debit card, top debit card, travel debt, best atm card, schwab atm card, JFT, johnsfinancetips, travel, top debit, top debit card, debit card, schwab card

Опубликовано:

7 сен 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 257

@whimsicalhamster88 Год назад

Yeah, if you ever need cash, you need the Charles Schwab debit card. The ATM fees in Vegas on The Strip are up to $10. It’s amazing to know I’ll get it refunded every time.

@drewd8874 Год назад

Just make sure if you are overseas and you withdraw cash that you decline the ATM banks conversion fee and use Charles Schwab’s rate. They will only refund you their fee.

@bahamasc 15 дней назад

yea ppl should be using this option all the time regardless of cards!

@MXALOVE 10 месяцев назад

Keep in mind this is a Visa Platinum card as well, so all purchases will be handled as such, like purchase protection, extended warranty, etc.

@stephaniefythm Год назад

I have them for years,no doubts a good way of growing and saving your money is through investing . You don't need to have much before you can invest. "That little money you have now can make you millions if you invest it wisely". I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 3 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made

@skoopqueen Год назад

Nice one Stephanie .Any investment tip?. I would love to know how you made it this far

@stephaniefythm Год назад

@@skoopqueenGenerally, investing requires higher knowledge. For this reason, It's important to have a solid support structure (financial consultant) to guide you through especially in asset picking. I operate with (Regina Louise Collaro) an investment advisor who partners with a licensed wealth management firm. For the record, the experience has been the best for my finance.She is quite popular for her services so you might have heard of her. She made me financially stable investing through her help, now I earn on a monthly basis through her passive income strategy..So I’ll advise you do get a good Investment advisor for yourself.

@skoopqueen Год назад

Impressive! Your investment advisor seems quite skilled. I've come across success stories of individuals enhancing their financial stability through advisors. Could you provide further details about this individual?

@stephaniefythm Год назад

@@skoopqueenlook her up on the internet and leave her a message she is quite popular for her services as she was recently featured on cnn, she can work with anyone irrespective of where their located

@ugojazzy7812 Год назад

@@stephaniefythmPersonally, I'm blessed and realizing I'm not the only one working with Regina Louise Collaro. I will consider myself lucky. I've been able to feed and make a living through her advice and great work. For such a person as Regina, I owe her gratitude, support and endless prayers as it is not easy to gain access to such a competent and reliable adviser. Who isn't just wise but has all it takes to handle an investment and is good at what she does.

@todd7148 Год назад

Citibank is better worldwide. I am a 10+ year Expat and already filled multiple passports. They have zero ATM fees worldwide at Citibank ATM's (I have seen them in almost every country I have been to) and they also reimburse the ATM fees off network every 30 days if you can't find one. Also zero foreign transaction fees. The issue I had with Charles Swabb is they acted funny about me being an expat and eventually limited my account and cut my debit card off. I could only wire and ACH in and out. Thats some bullshit when you are in a foreign country.

@todd7148 Год назад

@Aaron Lopez I have a gold and a Priority account. I can confirm both of them no fees as stated above in my comment. Not sure for the rest

@Lifeissorich. Год назад

I have this and about to switch fully to Charles Schwab once my Bank of America checking runs out at 25 years old. I've had Schwab for 6 years too.

@nigellikestosurf Год назад

I got the Schwab debit card and kept my current 2% yield Discover checking and savings accounts (their customer service is EXCELLENT). However, I can easily transfer whatever $$ I need to my Schwab account and withdraw what I need. It's basically just a door to fee free cash, and best of all I keep a minimum amount of my money exposed to fraud on my Schwab card!

@johnsfinancetips Год назад

You're executing the Schwab card strategy perfectly!!! Well done!!

@RespectfullyCurious Год назад

I have started using my schwab account as my primary account now. I still keep some funds at a local credit union just in case. I throw all my savings at Schwab's money market funds that pay a higher yield than most savings accounts.

@adawong0303 Год назад

SWVXX has 3.76% now. It's more then discover bank.

@berg8970 Год назад

Customers Bank savings account with Maxmyinterest pays 4.11% currently

@TheTruthSeeker756 8 месяцев назад

@@RespectfullyCurious But you have to manually do the transaction right? With Fidelity you automatically go in the high yield money market fund paying 5%

@MelissaC269 Год назад

some credit unions have debit cards that are points earners, but it's like spend $4 get 1 point, and each point is only worth 1 cent for redemption on their travel portals and sometimes less for their gift cards. We have that, and I used to use this a lot... before I knew better. Also, those same credit unions, if you get a car loan, or mortgage through them, you get a ton more points... and those points can go toward lowering future loan interest rates. We have a car loan that is 2% because we redeemed like 10K-20k of their points. lol.

@SpencerJohnsonOfficial Год назад

Dude YES. The Charles Schwab debit card is the king of debit cards no doubt 👑 No ATM fees worldwide is an insane perk! Thanks for sharing this with people John.

@johnsfinancetips Год назад

For sure!! So glad they've made it easier to open as well!

@SpencerJohnsonOfficial Год назад

@@johnsfinancetips Agreed man! It was so simple for me to do so last year and it's about time someone made an updated video on it!

@snagboi Год назад

@@johnsfinancetips No ATM fees worldwide debit card is also offered by betterment, fidelity, wealthfront, and many other cash management accounts offered online, am I wrong??????

@ulucio86 Год назад

😂😂😂😂😂😂

@Native722 Год назад

Plus you get some apy

@HunterReagan Год назад

Charles Schwab customer service treats you like a King too. All their representatives are very nice in my experience when I call in.

@johnsfinancetips Год назад

Seriously!!! It’s so under rated

@carlosaguayo7882 Год назад

I’m getting this debit card because I’m sick and tired of paying the ATM fee at the dispensary. Thank you for the video!

@ybnalex9628 9 месяцев назад

Broo if that ain’t the fucken truth haha

@TheMaddenComebackKid Год назад

I love Charles Schwab. I have the debit card, and I take everywhere I travel. I primarily travel to South America and Asia, and 90% of the countries are cash societies, so the no fee atm really helps. The customer service is also great. I actually forgot my debit card at home once, and they managed to ship a new debit card to my Air B&B in Hanoi for free. That was legit!

@bradIeyyy Год назад

Same!!

@Alltypz Год назад

Woke ESG company. F that.

@nathanacreman632 Год назад

I have the debit card and it is AWESOME. Literally the best checking account I've ever seen.

@tinnakornsai4404 Год назад

Lesson I learned from his previous videos: If is too good to be too. It is too good to be true, remember kids you control your life. This wisely. Cheers

@user-wc5lw7ps6h1 28 дней назад

Fidelity's CMA is better in the US as the fees are refunded in a few days, not at the statement close and you don't have to deal with CS's awful interfaces. The CMA can also get 4.96% yield with SPAXX. I do have a CS account for foreign affairs though.

@margaretjudice8944 Год назад

Great information! Thank you for sharing!

@Native722 Год назад

it's strange, the debit card has price protection, extended warranty, purchase protection, etc. I've never seen that in a debit card.

@Sir_Arkady Год назад

One important thing to notice about deposing check with them, you are considered a new account for up to 6 months. Witch means it will take 5-10 business day to process your check, they will make a small portion available, i think 250 but it’s very annoying. Still i like the card and customer service has been decent, so i will stick it out.

@gr86er Год назад

It's worth sticking with them, my limit is now higher than any other bank and deposits are available almost immediately!

@ctbt1832 7 месяцев назад

A Capital One 360 account. Such as Capital One 360 checking. You will not be charged foreign transaction fees for using your debit card in other countries regardless, if you’re purchasing something or using the ATM.

@zackgallik3164 Год назад

Do you have a video, or can we get one on the buy borrow die strategy? I was using Schwab, but started also using Merrill because I thought Schwab didn't do that lending.

@chrisbrown8748 Год назад

Use this all the time when I travel abroad and I also like investing through their app and I have the AMEX Platinum Schwab so I love the entire economy👍🏽👍🏽

@steftrando 11 месяцев назад

Video actually starts at 4:37

@leoluv822 Год назад

I got it before my trip overseas! I cannot believe this even exists!

@Triple.7 Год назад

Best Debit card for traveling. As long as you withdraw in (home currency at ATM) The country you are traveling. Even if the machine tells you " are you sure bla bla" you'll thank me later.

@user-lu7uh4dg5w 11 месяцев назад

Awesome video. That really answered all the questions I had about the account. Your suggestion to only use it as a travel debit and still keep my regular checking was mind blowing and just the thing I needed to hear. Will definitely sign up for this!

@JoeAbunga Год назад

I've had the Charles Schwab card for 7 Years and it was the best choice I have ever made. Their customer support is amazing, I have never had a transaction declined when I needed it, and I have gotten 300 dollars of ATM fee's back

@alejandrojr_m Год назад

The only downside is that you cannot deposit cash, just through checks & direct deposit. Other than that it’s a great debit card

@Trezn Год назад

Get a local bank that offers checks and write yourself a check

@GerardoPerez Год назад

@@Trezn Thats a good idea friend!

@chrisv4920 Год назад

Do you guys know if I can deposit cash into my Schwab account at an atm? Or it has to be bank to bank transfer or direct deposit? Thanks

@johnsfinancetips Год назад

Great question Chris - unfortunately, you can't deposit cash as it's not a traditional "retail" bank. You can only deposit via other bank transfers. Hope that helps!

@liyingzeng9920 Год назад

How does Schwab checking/debit card compare to the American Express one?

@DEBTFREEMIKE769 Год назад

I just signed up for this and can’t wait to get it. On the fraud issue, it says the app has a lock feature. So, I’m excited for that.

@sehajvirsingh4272 Год назад

Hey John can you make video on Mortgages , Types And getting approved .

@johnsfinancetips Год назад

I'll dial it up - what specifically do you want to know

@chrisv4920 Год назад

That’s a good topic to speak about, what are the best home loan banks or lenders for first time buyers this coming 2023? Thanks

@Raymond23rdOBC Год назад

Technically not the best debit card. I get the same from USAA with no fees or exchange rate fees.

@EC2538 Год назад

I'm not familiar with USAA but in their page they say it's up to $10 in rebates, in his example he said $20 on a casino, that would still charge you $10, right?

@Ragnar0321 Год назад

What banks are giving 3% on a checking account? Been meaning to get out of chase but I don’t like the current options.

@flibjabber Год назад

I think redneck bank is doing 4% right now on their checking account

@djime083 Год назад

I believe Capital One it's giving 3% APY

@brucewayne2955 Год назад

I'd liked to learn more about this Buy Borrow Die Strategy

@MelissaC269 Год назад

thank you for this. It wasn't on my radar and I will definitely need it.

@KevinS819 Год назад

hey John I have a cpc account and it also gives me no atm fee world wide and I am taking a trip to Thailand next March. I was thinking of using my card to pull out money from the atm there instead of doing the exchange but I was wondering if the banks there would give you the true exchange rate or can the bank just make up their own exchange rate?

@berthahuillca3209 Год назад

Exelente tu orientacion sobre este Banco. Muy interesante.

@AndreHance 11 месяцев назад

And why exactly shouldn’t you be day trading? 11:31

@AlejandroDu Год назад

I was waiting for this video! I'll go for popcorn🍿!!

@BoltGodd 9 месяцев назад

Your videos get me excited and proactive about my finances.

@Tom-xl2ni Год назад

FINALLY! A video I can just give to people to explain myself without sounding like a Schwab salesman.

@josephdavis1087 6 месяцев назад

Am I the only one that’s extremely annoyed with Sofi? Everyone keeps saying that you can put money into your savings account. It automatically divided up into your vault and that’s not true. It only does that with direct deposits just like every other fucking bank does.

@mrbigcat9 Месяц назад

With the Schwab debit card when traveling outside the USA you will get the best exchange rate at any ATM? BTW you can link the debit card to your brokerage account and you don't have to have a checking account?

@jonathanmosos Год назад

Is there a hard pull associated with opening one of these accounts? When I was reading the fine print before finishing my application, Schwab says they will “initiate an inquiry via a credit reporting agency”. I put the pause on applying because I have a few hard recently from credit cards and dont want to waste another on a debit card. Thanks for any insight!

@chuyovo Год назад

No hard pull got mine a month ago

@Cookthechef Год назад

Schwab stopped doing hard pulls on credit reports a little while ago. They should only do soft pulls now. Nothing shows up on my reports as a data point. Do note that they pull Chexsystems though.

@BlackBezos Год назад

No ATM fees in Las Vegas as well. Level up 🚀🚀

@the0000alex0000 5 месяцев назад

video starts at 4:37. you're welcome.

@365vacay Год назад

Great Video! I have been using this card for some time now as a "staging account." The only caveat I would add is that you need to allow yourself some extra time, as the funds take a bit of time to become available. The transfer processes the next business day and then you have to wait up to four additional business day to use the funds. ("Funds originating from an ACH transfer from your Other Account will be available no later than the fourth Business Day after the day of your deposit.")

@zackerykrummel1229 Год назад

This seems like a major caveat

@unreal111 Год назад

Push instead of pull. What do I mean by that? Instead of transferring money from Schwab online checking account. You instead go to your source online account (lets say Wells Fargo), and you add your Schwab account in it. It takes few days to verify. Once verified, push the money you want to transfer from Wells Fargo. Bam, that 4 days will disappear.

@JordyHimself1 3 месяца назад

Such a great video! Got me sold. Thank you!!

@JennyA Год назад

I've got a high yield savings account where I park a majority of my money. My credit union is still paying a measly .1% interest on their savings so it's time to move all money from those accounts. Since TD Ameritrade was bought out by Schwab, all my investments will be moved over. I figure now is the time to close the credit union and finally be done with them.

@RespectfullyCurious Год назад

I recommend exploring other options. My credit union is usually on par with most of the big names in terms of high yield savings. I keep "just in case" money there. I recommend looking into online savings accounts like Marcus by Goldman, Ally, and Capital One. Alternatively, what I also do is throw money into a money market fund within Schwab and it yields higher interest than pretty much every HYSA I've seen so far.

@tonpear5909 7 месяцев назад

Thankfully you let us know your review is honest.

@ksbma Год назад

do you get reimbursed any conversion fees if you withdraw USDs from a European ATM?

@river_a Год назад

NO,you don’t need a credit score to purchase a home.A debit card is all I need.

@NN-sp9tu Год назад

I didn't even know this debit card was so great. I only created a schwab checking account since I already have Schwab investment accounts but bank with SoFi for the APY and needed to be able to send money through Zelle (can't do easily on Sofi). I've just been using the Schwab debit card recently to withdraw money a bunch of times and had no idea I was getting the atm fees refunded. Was such a nice surprise

@Adiscretefirm Год назад

.4% isn't good by any means, but for a checking account 0% is standard

@johnsfinancetips Год назад

haha true!

@doegreezy Год назад

Would it be possible if I use Charles Schwab as a everyday use like direct deposit account??

@E39M5SPEED 4 месяца назад

But you cannot deposit cash to it.

@martinaltmann1658 Год назад

Freedom Flex and Amex Gold best every day cards? What’s the best interest rate for a savings account? AMEX has high yield with 3% 🤷🏼‍♂️ thanks!

@johnsfinancetips Год назад

Why not both? Gold at 4x for grocery and restaurant and Flex to catch other categories in 5% rotations

@financialgymnastics3876 Год назад

PrizePool 4% plus prizes Current 4% up to $6k DCU 6.17% up to $1k

@martinaltmann1658 Год назад

@@johnsfinancetips yeah that’s what I meant but as a question lol my bad I have the Amex platinum and Chase Sapphire going to go for venture x soon but been screwing myself over in everyday purchases without having the gold and flex, so those are next in line after the chase IHG comes in the mail this week. Could you please do more videos on using chase and Amex points for luxury flights and best interest rates for savings 💰🙏🏼 thank you very much and have a great evening!

@martinaltmann1658 Год назад

@@financialgymnastics3876 thanks! I‘ll look into that

@Benyo8990 Год назад

I’m a navy federal user si I just them and so far the always refund me the atm fees from different parts that I have been

@krismardula Год назад

What happens when you are leaving the country and want to deposit the cash back do you go back to any atm to deposit it? Or are there physical locations?

@johnsfinancetips Год назад

You can’t deposit cash into a Schwab account - that’s why I recommend having it paired to another account. The primary purpose of Schwab for me is cash access. Hope that helps!

@joeyrocksz Год назад

Which main checking accounts do you recommend ?

@zion168 Год назад

It's unlimited* ATM fee refund with an asterisk, they do kick people out for using it too many times

@uhIcy Год назад

Another great vid, would love you to pick apart some Canadian products!

@johnsfinancetips Год назад

Thanks for the suggestion! But unfortunately I'm not in the Canadian market :(

@ctbt1832 7 месяцев назад

If I report fraud on my bank account/debit card and I have to pay or lose any portion of the money. I will switch banks asap.

@carloslevii9719 Год назад

My Morgan Stanley debit card have the same benefits 🎉

@BronxBombers_726 Год назад

Now if Schwab can come out with a credit card other than Amex

@williamenriquez4136 Год назад

Is this the same card like the white CS Debit card you posted a year ago? I see you have (6yr update) here

@johnsfinancetips Год назад

Yup exact same, just a few small updates but the biggest being that it's just easier to apply for! Haha I'm glad someone caught it! Thanks for the comment William!

@mostafaelkammah8840 Год назад

Is the brokerage Checking debit card looks the same? And has similar benefits?

@Serve_one_another_with_love Год назад

What about sending money abroad? Is the conversion rate competitive? This is like EQ BANK debit card, no atm fee, no transaction fee

@ArturoCris 2 месяца назад

I thought this video was about the best debit card, not a speech on why I don't need a debit card.

@peterpijpers8009 Год назад

Hello…is there a limit, like maximum deposit? Maximum with draw daily? Maximum amount on this card?

@djthereplay Год назад

Ok, Prepaid Debit Cards are so bad that's why you have to have a good credit score on a normal scale to access your money through a Credit Card. Also, Credit Cards can be frauded just like Prepaid Debit Cards can be frauded. It's all about not falling for tricks from people or entities that you do not know whether it be an app or a call. Benefits? Ok, Cherry on top of the cake. You are still paying something to get those benefits just like everything or anything else you buy. Security? Ok, how about reading and following the instructions to activate the card properly so that you will be able to see where your money on the card is whether it be a Prepaid Debit Card or a Credit Card.

@DJSliick Год назад

How long does it take to transfer money from an external account? And can we use zelle to transfer money quickly?

@JennyA Год назад

it's been taking about 3 business days to transfer money

@theholt2ic219 Год назад

It takes like 3-5 days when you just open the account. I opened my Charles account about 1 month ago. And I still get long hold periods. I feel like it takes like 4-5 days for me for a normal transfer. I read on Reddit the transfer speeds increase the longer the amount is open. Other than that it’s Amazing card. But I personally would not use it as my main bank account but it’s an amazing secondary account. I use this at casinos all the time. But I use Zelle to transfer from my Wells Fargo account to this Schwab.

@DJSliick Год назад

@@theholt2ic219 Yeah I'd say Zelle is A Lot Faster

@jessicapearson9479 9 месяцев назад

Just so people know. Credit cards ARE NOT GOOD FOR ANYONE ON SSI. You will lose your SSI or it will be greatly reduced due to all the ability to get money back or over draw. Also, debit is actually better than credit cards because it deals with REAL cash. Unlike credit cards. This is also, why more business, all ATMs and nearly all money transfer places are requiring you to actually have cash and not credit. Credit also actually ruins your credit! In short. Do not get any credit card! If it doesn't require real cash to back it up, then it is just going to get you into debt and ruin your credit score. Especially in today's world! People are starting to transition out of allowing credit.

@camselle Год назад

the ATM Fee cash back Schwab feature works domestically too..

@Annoyin1321artist Год назад

What do you think of Discover checking account?

@shoron11657 Год назад

what are the exchange rates when using the CS card in a foreign country? I wouldn't be any good if they have terrible exchange rates.

@bleron_26 Год назад

you know that's is good when it works in KOSOVA 🇽🇰 They returned my 5 Euro ATM when I got some cash!

@davidmandujano Год назад

I will make a RU-vid video in February next year thanking you and showing how great your methods are John. I was watching your videos when preparing to move to America and I've used every single tip you've given for moving and starting your credit, and more. My coworkers cannot believe how good my credit is 4 months in to moving here, I watch every single video you make and all of them are incredibly useful!

@bradIeyyy Год назад

Omg my only debit card I use!!! Comes in handy especially when I travel

@LuisGurrola1 Год назад

Thanks for the info John! Definitely one of the best travel debit cards out there and one that I keep in my wallet when travelling! I wonder if Schwab is still doing hard pulls on your credit when you apply these days. I applied about 4 years ago and got hit with a hard pull.

@djime083 Год назад

Hey Luis. I applied early this month. No hard pull!

@javierc28 Год назад

Hi what you think about Etrade debit card? Thanks

@rathkhan1114 Год назад

Bruh Sofi is the best Bank . Sofi can also do that plus stock and crypto you can buy no fee. Sofi is 4.50% apy and also checking do receive interest and you can get personal loan .. Buy borrow die stretegy please explain. Awesome video

@_its.stephanie.rose_ 10 месяцев назад

My reaction in the first couple seconds: "did he just rip a $100 bill?" *rewinds back to **0:00* "omg he did!!" 🤯

@flibjabber Год назад

I just tried to open a Charles Schwab checking account yesterday but my account was closed due to my TransUnion or Equifax (I don't remember which one they said) report?? And they couldn't tell me why. Does anyone know what they require credit-wise? I am so confused and don't know how to fix it.

@RespectfullyCurious Год назад

They check your credit report, if they see something they don't like then they just close you out. You can call Schwab's support staff [24/7] but sometimes these processes are automated and the reps might not have insight as to why a certain system processes something and what the variables are.

@simonvoorspoels5819 Год назад

Anyone from Europe here with this card? If I want to sign up for the free debit card (and do not put money in my brokers account). When I want so sign up for an account they take me to an international site and says that the minimum investment for opening an account is US$25,000...

@blkszntv8531 Год назад

Does it do two days early pay?

@varunvermaendless 6 месяцев назад

E trade max rate checking atm card gives refund for any all charges

@nahbicris Год назад

Well interesting with my debit card i get points that can be changed to money to pay anything i want, I have full fraud protection... And then I use my credit card to only make a credit profile. How different its that in the USA.

@mikell.6064 Год назад

Do they do a hard pull on your credit? I have all my bureaus frozen and wondering if I need to unfreeze

@Stezworld Год назад

No, CS dont do credit check but I recommend have it unfreeze for a day or two when you apply. I remember I applied for a savings account with CS while my credit frozen and got denied due to chex system being bad. I guess if you have a good chex credit you wont have a problem.

@Christiangrey999 Год назад

I love your vids bro but I make almost 2k everyday day trading.. so I disagree with the “you shouldn’t be day trading”

@aelcharif Год назад

Any opinions on the new checking account by Amex? (Not the business one)

@RespectfullyCurious Год назад

It's not good. I have had it since launch and I had so many issues at first. My utility companies wouldn't even recognize the card or routing number. It does not integrate with any third-party service for budgeting, it also didn't auto-connect to your amex cards for payment [you had to manually do it], and it's pretty much a super vanilla checking account. I tried to cancel a few months ago but they convinced me to keep it because the features I was looking for would come in before end of year...they have a month to figure it out, but overall not impressed. I would not recommend it at this time.

@adriansalomon5996 Год назад

What's a good debit card for someone who doesn't travel and isn't old enough to get a credit card

@jacwells5846 Год назад

Hey John, thanks for the video. what is your Referral Code? I need the code so I can enter it when I open the checking and brokerage account. Thanks

@jacwells5846 Год назад

never mind I figured it out, it is "REFERBY99TRD6"😄

@pel2826 Год назад

Schwab also has 24/7 customer service.

@GregJackson01 Год назад

I have utilities that charge for using a credit card and only accept ACH or check payments. Is there a way to earn points via ACH or check?

@ryankilosky Год назад

Bro... this is MAJOR for me. I recently switched from a local community bank to Ally. It's been great so far, but I'm traveling internationally to cash based countries this summer and this will be A LIFE SAVER! Thank you!

@anythingeverything8595 3 месяца назад

If we don't have a debit card how do we pay the credit card??

@boxlogogod4894 Месяц назад

Direct to checking or savings account

@BRmrz10 Год назад

Cool video! Couple questions for you… How long does it take to settle so we know how many days to plan ahead? Maybe video of you using the card in a ATM? Kind of confuse how it’s suppose to give you the “best” exchange rate.

@Nudo1 Год назад

I don't need another brokerage account but I am interested in opening a checking for the debit card. Is there any concerns opening the brokerage account to get the debit card if I have no plans for it?

@the-eye-is-watching Год назад

I have had nothing but praise for CS until they informed me that because being a US citizen living in the Philippines I will no longer be able to use my debit card, purchase securities or deposit funds into my account. I understand the same holds true for those in Italy, France and Singapore. Schwab has gone from hero to zero by doing this. To make things worse no one will tell us what are the specific reasons for this action. Beware folks they can what ever they want.

@frankellis9627 Год назад

What?! That changes everything! 😲

@uhmerrykan Год назад

How did they know you are living in the Philippines, did you tell them that? When it comes to financial instiitutions, if you move out of the US and want to keep the accounts open, it's best to not tell them and just keep a US address on file. Otherwise accounts may be shut down.

@the-eye-is-watching Год назад

@@uhmerrykan When I opened the account living in the PI was no problem. Out of the blue expats living here, Italy, France were all given the boot. Falsifying information, can eventually have repercussions, Being forthright might have it's downside, but at least I don't have to remember my white lies.