Current Recommendations for Banks with no ATM fees - Escape Trailer Owners Community

Go Back   Escape Trailer Owners Community > Escape Me | General Topics > Paper Escape
Click Here to Login
Reply
 
Thread Tools Display Modes
 
Old 01-23-2018, 12:39 PM   #1
Senior Member
 
Sisababe's Avatar
 
Join Date: Oct 2016
Location: Ashland, Massachusetts
Trailer: 2017 Escape 5.0 TA "Wild Thing"
Posts: 306
Current Recommendations for Banks with no ATM fees

I'm loving it so much on the road, I plan to stay out more time then I'm in! I'm shopping for a new bank. Looking for one with good mobile banking, no ATM fees and is federally insured. I just really need a checking account with debit card for ATM withdrawals but don't want to pay ATM fees. I currently have a Scottrade brokerage abd checking account for my travel fund, but I'm not thrilled now that they've been taken over by Ameritrade TD Bank and looking to see what else is out there. Anyone have a bank they love that's easy to use while on the road?

Sent from my SM-G930V using Tapatalk
__________________

__________________
Sarah Kochanowski
5.0TA Travel Blog: WildThingEscapes
“Tell me, what is it you plan to do with your one wild and precious life?” Mary Oliver
Sisababe is offline   Reply With Quote
Old 01-23-2018, 01:04 PM   #2
Senior Member
 
Vermilye's Avatar
 
Join Date: Feb 2010
Location: Oswego, New York
Trailer: 2017 Escape 21, 2018 Ford F150
Posts: 3,477
I have both a Capital One Mastercard & checking account. They reimburse all ATM fees (not just a couple per month), no charges, and .06% interest. The credit card returns 1.5% cash back. Excellent website & registers, and fast, english speaking phone help. I've never been to one of heir banks - everything was done on line.

Plus, they let me put one of my photos on the credit card!
__________________

__________________
Jon Vermilye My Travel Blog
Travel and Photo Web Page ... My Collection of RV Blogs 2018 F150 3.5EB, 2017 21
Vermilye is offline   Reply With Quote
Old 01-23-2018, 01:32 PM   #3
Senior Member
 
kstock11's Avatar
 
Join Date: Mar 2013
Location: Asheville, North Carolina
Trailer: 2014 Escape 19
Posts: 806
I went with Discover Bank and am satisfied with them.
__________________
Kevin
Thanks to the interstate highway system, it is now possible to travel across the country from coast to coast without seeing anything - Charles Kuralt
kstock11 is offline   Reply With Quote
Old 01-23-2018, 02:08 PM   #4
Senior Member
 
fudge_brownie's Avatar
 
Join Date: Nov 2008
Location: Janesville, WI, Wisconsin
Trailer: Escape 19 (sold) Escape 21 2014
Posts: 1,457
Capital One credit card is one of the best. I especially like the app giving me almost immediate notification when a charge has been made. Also, they will question duplicate and foreign charges and anything suspicious. No foreign fees.

One trick with ATM's, you have to be careful with privately owned ones. I only use ATM's located in a bank building or clearly labelled with a bank name I recognize. Not sure how fee reimbursement with a private machine will work.

An important feature would be the amount of money that can be deposited via a remote deposit or scanned check. Many new accounts limit this, some have a sliding scale that increases based on the age of your account. Some limit the number per month or total amount per month. I am a bit familiar with TD and I thought theirs were very restrictive on new accounts.
__________________
Paul and Janet Braun
2003 Toyota 4Runner V8 now 2012 Toyota Sequoia V8
Escape 19' 2010 now 2014 Escape 21'
fudge_brownie is offline   Reply With Quote
Old 01-23-2018, 02:34 PM   #5
Senior Member
 
Vermilye's Avatar
 
Join Date: Feb 2010
Location: Oswego, New York
Trailer: 2017 Escape 21, 2018 Ford F150
Posts: 3,477
Quote:
Originally Posted by fudge_brownie View Post
Capital One credit card is one of the best. I especially like the app giving me almost immediate notification when a charge has been made. Also, they will question duplicate and foreign charges and anything suspicious. No foreign fees.

One trick with ATM's, you have to be careful with privately owned ones. I only use ATM's located in a bank building or clearly labelled with a bank name I recognize. Not sure how fee reimbursement with a private machine will work.

An important feature would be the amount of money that can be deposited via a remote deposit or scanned check. Many new accounts limit this, some have a sliding scale that increases based on the age of your account. Some limit the number per month or total amount per month. I am a bit familiar with TD and I thought theirs were very restrictive on new accounts.
I haven't had problems with private ATM reimbursements from Capital (even a $4.50 fee at one). Like most major bank credit cards, the Capital MasterCard does not work at most credit union machines. I did forget to mention no additional charge when used in Canada, and a good exchange rate. Gee, I sound like an ad! (But I have other cards, and this one is the best).
__________________
Jon Vermilye My Travel Blog
Travel and Photo Web Page ... My Collection of RV Blogs 2018 F150 3.5EB, 2017 21
Vermilye is offline   Reply With Quote
Old 01-24-2018, 03:34 PM   #6
Senior Member
 
Sisababe's Avatar
 
Join Date: Oct 2016
Location: Ashland, Massachusetts
Trailer: 2017 Escape 5.0 TA "Wild Thing"
Posts: 306
Thank you for the recommendations!

Sent from my SM-G930V using Tapatalk
__________________
Sarah Kochanowski
5.0TA Travel Blog: WildThingEscapes
“Tell me, what is it you plan to do with your one wild and precious life?” Mary Oliver
Sisababe is offline   Reply With Quote
Old 02-23-2019, 12:27 PM   #7
Member
 
Join Date: Oct 2018
Location: Fort Worth, Texas
Trailer: 2019 Oliver Elite II
Posts: 87
Keep enough money in your accounts and you get a lot of free services, I have never used a ATM and don't plan to and I don't text either, so don't text me. Yes I do have an iPhone, I'm not the set in my ways.

trainman
trainman is offline   Reply With Quote
Old 02-23-2019, 07:28 PM   #8
Senior Member
 
Upfisk's Avatar
 
Join Date: Apr 2018
Location: Yarnell, Arizona
Trailer: 2018 Escape 19, 1980 Tayana Vancouver 42, sold Jan 2019
Posts: 259
Send a message via Skype™ to Upfisk
We use a credit union. Most everything is free; bill pay checking, transfers to another bank, transfers to our brokerage acct, notary services, warnings about balance that are settable by us. We do pay "foreign" ATM fees and the fees are not refundable. When overseas we went inside the back for cash advances for no fees. We do have to call the CU when we head to Mexico or Canada or other countries in the past. We travel frequently, pay most of our bills by bill pay, get our bills online, not in the mail, and it generally works.
__________________
Myrl and Gary
Upfisk is offline   Reply With Quote
Old 02-24-2019, 11:49 AM   #9
Senior Member
 
Mike Lewis's Avatar
 
Join Date: Feb 2013
Location: Santa Rosa County, Florida
Trailer: 2014 Escape 21
Posts: 2,162
According to Quicken, I paid $177.04 in ATM fees in 2017, $49.67 in 2018. This was from using a Bank of America debit card at non-BOA ATMs. Hmm-- I need to pay more attention to this.
__________________
Mike Lewis
Photos and travelogues here: mikelewisimages.com
Mike Lewis is offline   Reply With Quote
Old 02-24-2019, 11:54 AM   #10
Senior Member
 
Farther's Avatar
 
Join Date: Dec 2018
Location: USA, Washington
Trailer: TBD
Posts: 369
I'm asking this question out of ignorance, not as a criticism. I seldom use an ATM, maybe two or three times a decade. I always use a credit card for every purchase possible and just carry a couple of hundred cash while on the road. So my question is, what is the necessity of routine use of an ATM.
__________________
Thanks,
~Farther
Farther is offline   Reply With Quote
Old 02-24-2019, 12:19 PM   #11
Senior Member
 
Join Date: Oct 2011
Trailer: 2014 Escape-21
Posts: 268
I just go to Wal Mart buy an item and get cash back from my debit card. Lot safer than going to a dark ATM after hours to get cash and no fee.

Eddie
elongest is offline   Reply With Quote
Old 02-24-2019, 12:44 PM   #12
Senior Member
 
Mike Lewis's Avatar
 
Join Date: Feb 2013
Location: Santa Rosa County, Florida
Trailer: 2014 Escape 21
Posts: 2,162
It's easier for me to control my spending if I use a debit card for day-to-day purchases instead of a credit card. Then I can watch my bank account like I watch my gas gauge, and make sure my bank balance makes it to the end of the month.

I'm afraid if I use my credit card for all purchases I wouldn't be able to keep track of my spending as well. I haven't put a lot of thought into this, though, and could be persuaded otherwise. I do think that getting cash back with a purchase via a debit card would be an easy way to avoid the ATM fees. I'll start doing this on my next long trip when I can't find a Bank of America ATM.
__________________
Mike Lewis
Photos and travelogues here: mikelewisimages.com
Mike Lewis is offline   Reply With Quote
Old 02-24-2019, 12:45 PM   #13
Senior Member
 
Vermilye's Avatar
 
Join Date: Feb 2010
Location: Oswego, New York
Trailer: 2017 Escape 21, 2018 Ford F150
Posts: 3,477
Quote:
Originally Posted by Farther View Post
I'm asking this question out of ignorance, not as a criticism. I seldom use an ATM, maybe two or three times a decade. I always use a credit card for every purchase possible and just carry a couple of hundred cash while on the road. So my question is, what is the necessity of routine use of an ATM.
While I use my credit card for as many purchases as possible since I get 1.5% back as cash, I still need cash for small purchases such as coffee stops, etc. Lots of places charge extra for credit card purchases under $10.00, so some cash is handy. I take out $200.00 at a time so I only make ATM stops once every couple of months.
__________________
Jon Vermilye My Travel Blog
Travel and Photo Web Page ... My Collection of RV Blogs 2018 F150 3.5EB, 2017 21
Vermilye is offline   Reply With Quote
Old 02-24-2019, 03:09 PM   #14
Site Team
 
rbryan4's Avatar
 
Join Date: Jun 2014
Location: Canyon Lake, Texas
Trailer: 2015 19 "Past Tents", 2018 F150 2.7L Ecoboost
Posts: 9,479
Quote:
Originally Posted by Vermilye View Post
While I use my credit card for as many purchases as possible since I get 1.5% back as cash, I still need cash for small purchases such as coffee stops, etc. Lots of places charge extra for credit card purchases under $10.00, so some cash is handy. I take out $200.00 at a time so I only make ATM stops once every couple of months.
We're kind of in the same boat Jon. I can count the number of times I've used an ATM in the last year probably on one hand, but it does come in handy to have some cash. In many of the little 'mom and pop' shops in the area where we now live, its cash only.
__________________
"You can't buy happiness, but you can buy an RV. And that is pretty close."
rbryan4 is offline   Reply With Quote
Old 02-24-2019, 03:35 PM   #15
Junior Member
 
Join Date: Sep 2018
Location: Ridgway, Colorado
Trailer: 2018,5.0 TA
Posts: 19
We use All America Bank. No fee checking, they reimburse all ATM fees and have great online access. Best of all they are currently paying 3% on checking. It was 2.5% for the longest time but it went up recently. We have banked with them for over ten years and have never had a problem.
DanandDaphne is offline   Reply With Quote
Old 02-24-2019, 04:05 PM   #16
Senior Member
 
Farther's Avatar
 
Join Date: Dec 2018
Location: USA, Washington
Trailer: TBD
Posts: 369
Quote:
Originally Posted by DanandDaphne View Post
We use All America Bank. No fee checking, they reimburse all ATM fees and have great online access. Best of all they are currently paying 3% on checking. It was 2.5% for the longest time but it went up recently. We have banked with them for over ten years and have never had a problem.
3.0 %? That makes for a pretty good investment. Are you sure it's not .3 %?
__________________
Thanks,
~Farther
Farther is offline   Reply With Quote
Old 02-24-2019, 05:16 PM   #17
Junior Member
 
Join Date: Sep 2018
Location: Ridgway, Colorado
Trailer: 2018,5.0 TA
Posts: 19
Yep 3%, that's why we started banking with them. I think it was 4.5% when we started banking with them. You have to do several thing to get the high interest rate. You need to have at least one direct deposit, or automatic payment, and a certain number of card transactions using your pin number and you have to log into your account each month. They are located in Oklahoma and they were called Evantage when we started banking with them but they changed to All America Bank a number of years ago. Our checks still say Evantage Bank on them but they are almost used up. When thy are all gone we will get All America Bank checks. https://allamerica.bank/
DanandDaphne is offline   Reply With Quote
Old 02-25-2019, 04:29 AM   #18
Member
 
Join Date: Oct 2018
Location: Fort Worth, Texas
Trailer: 2019 Oliver Elite II
Posts: 87
Quote:
Originally Posted by Farther View Post
I'm asking this question out of ignorance, not as a criticism. I seldom use an ATM, maybe two or three times a decade. I always use a credit card for every purchase possible and just carry a couple of hundred cash while on the road. So my question is, what is the necessity of routine use of an ATM.
I would ask the same question, but it's probably the way they spend there money, when I have cash in my pocket which is just about all the time it seems to last me for two or three weeks before I cash another check and it's then only for a $100 or so. I guess some are compelled to buy all the time, for us we already have more then we can use in this life time, I'm trying to use it up before I buy more.

trainman
trainman is offline   Reply With Quote
Old 02-25-2019, 05:57 AM   #19
Senior Member
 
Join Date: Feb 2018
Location: alpharetta, Georgia
Trailer: 2014 21' Escape
Posts: 380
Bad thing with a debit card is little or no protection from any fraud. Not sure how many of you know who Clark Howard is but he hates debit cards because of that one reason.

Enjoy the journey.

Steve
stratos175 is offline   Reply With Quote
Old 02-25-2019, 07:57 AM   #20
Senior Member
 
Mike Lewis's Avatar
 
Join Date: Feb 2013
Location: Santa Rosa County, Florida
Trailer: 2014 Escape 21
Posts: 2,162
Quote:
Originally Posted by stratos175 View Post
Bad thing with a debit card is little or no protection from any fraud. Not sure how many of you know who Clark Howard is but he hates debit cards because of that one reason.

Enjoy the journey.

Steve
And whatever you do, don't store a debit card number on a website. Several years ago I did this, then one day I went to an ATM on payday and had $0 balance. Someone had stolen the website's database and cleaned me out. My bank reimbursed me immediately, but I had to file a police report, etc., to make the reimbursement permanent.

I've recently started listening to Clark Howard. I think he's pretty good so I'll keep listening to him.
__________________

__________________
Mike Lewis
Photos and travelogues here: mikelewisimages.com
Mike Lewis is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off






» Featured Campgrounds

Reviews provided by

Disclaimer:

This website is not affiliated with or endorsed by Escape Trailer Industries or any of its affiliates. This is an independent, unofficial site.


All times are GMT -5. The time now is 09:35 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Copyright 2012 Social Knowledge, LLC All Rights Reserved.
×