How do you manage your checking account?

[Ben Kenobi]

Interesting, am I that much of a dinosaur? Hard to believe I'm the only one who doesn't use any form of online banking.

[Asher]

You are most assuredly a dinosaur.

I've not used offline banking since 1999. 12 years. There's no point. Further, online banking is FAR cheaper.

[Ben Kenobi]

I've not used offline banking since 1999. 12 years. There's no point. Further, online banking is FAR cheaper.

In terms of what? There's a bank on every corner here. It's easy enough to go in and make a deposit or withdraw. How is it cheaper online?

[b etor]

Good thing I checked my account this morning before going grocery shopping. My mother stole money from me. I called her and yelled at her to put it back. She's the only one who has access to my account, the brat.

[Al B. Sure!]

Interesting, am I that much of a dinosaur? Hard to believe I'm the only one who doesn't use any form of online banking.

Yes. Are you like my old customers who are scared of computers?

In terms of what? There's a bank on every corner here. It's easy enough to go in and make a deposit or withdraw. How is it cheaper online?

Time is money. Online banking saves time.

[Asher]

In terms of what? There's a bank on every corner here. It's easy enough to go in and make a deposit or withdraw. How is it cheaper online?

There's no fees for anything. Cheques are free, withdrawls are all free, deposits are free, interest rates on savings accounts higher, there's no fees to move money around, no fees to get statements, etc.

Then there's the "time is money" -- no lines, no idiot tellers, no stupid people to deal with.

I decide at 3am on a sunday morning to move money from my savings account to chequing account so I can buy something. Click, click...done.

I've not paid a cent in any kind of fee with my bank in the twelve years I've been with them. And I've ordered many cheques, ordered new chip debit cards, transferred tons of money around, I've got like 5 different kinds of accounts with them (chequing, savings, two types of regular savings accounts, one TFSA account).

[loinburger]

I got fifty paper checks when I opened my new checking account four years ago, I've used about twenty of them since then (I still need to write the occasional paper check for things like renewing my passport)

[-Jrabbit]

I don't use online banking.
I don't use traditional banking.

I have my wife do it all -- banking and taxes, for our personal income plus the two corporations we run. It's like having a free personal accountant who also provides sex.

[MrFun]

In terms of what? There's a bank on every corner here. It's easy enough to go in and make a deposit or withdraw. How is it cheaper online?

There might be a bank on "every" corner, but once you choose a bank, not all of those banks will be the one you're with. Online banking is tons more convenient.

[MrFun]

It's in my head. People really keep checkbooks and balance them and ****? Why? I guess if you live paycheck to paycheck and have to monitor your cash flow, you got to but people on Apolyton don't seem to live check to check.

I'm on Apolyton, and so far for my adult life, I have been living tightly, paycheck to paycheck.

[Asher]

I don't live paycheque to paycheque, but I do have budgets I try to follow. Mint.com aggregates my finances & investments from all over the place in one central location. It's very convenient.

[Nikolai]

I use internet banking ofc, phyiscal banks are only for serious business like getting loans and doing deposits after all. So almost all banking things I do on the net. But I have a budget program on my iphone that I use for keeping track of my day to day expenses, it has made it much easier to keep control on my expenses and not find my account thin on money at the end of the month.

[Ben Kenobi]

There's no fees for anything. Cheques are free, withdrawls are all free, deposits are free, interest rates on savings accounts higher, there's no fees to move money around, no fees to get statements, etc.

My bank doesn't charge me fees. My canadian one, yes, but not the one here.

Then there's the "time is money" -- no lines, no idiot tellers, no stupid people to deal with.

There's these things called ATMs. Do they have them in Canada? You can even deposit checks in them.

I decide at 3am on a sunday morning to move money from my savings account to chequing account so I can buy something. Click, click...done.

Uh, sure.

I've not paid a cent in any kind of fee with my bank in the twelve years I've been with them. And I've ordered many cheques, ordered new chip debit cards, transferred tons of money around, I've got like 5 different kinds of accounts with them (chequing, savings, two types of regular savings accounts, one TFSA account).

No fees on my account. As for moving money around, I do that once a month. No need to do so more often.

[Ben Kenobi]

There might be a bank on "every" corner, but once you choose a bank, not all of those banks will be the one you're with. Online banking is tons more convenient.

Uh, there's literally branches of my bank on every corner. This ain't Iowa anymore, Dorothy.

[Ben Kenobi]

Yes. Are you like my old customers who are scared of computers?

I've always done my banking through the teller if they are there. It's nice to get personalized service and it's come in handy at times.

Time is money. Online banking saves time.

It's about a 5 minute drive. I never banked online even when I was without a car, there's just no point. For the stuff I needed to do, meant a trip once or twice a month to deposit paychecks and take out what I need.