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Thread: Chase Bank

  1. #1
    Join Date
    May 2003
    Location
    Hartland, WI
    Posts
    865

    Chase Bank


    Hello everyone!

    So for the past few months (since I turned 18), I have wanted to open myself a Checking Account. I did some research, was comparing banks, I have chosen Chase Bank.

    I went there today. I went in with $100 in my pocket. I asked the teller (very professional and friendly) if I could open a checking account. She was very enthused of my request. I was quickly rushed into the seating area, and was given a pamphlet to read. About thirty seconds later, a lady approached. She shook my hand, and led me into her office. She asked me a bunch of information, and I gave it to her.

    She asked about my college plans, and decided it was best (not for her interest, but mine) to open a "College Checking" account. She asked me where my savings account was located, and I politely told her with a different bank in our area. She went ahead and opened me a Savings Account, which was linked into my Checking, so I could save a little by little, or to use it for overdraft protection.

    I gave her the $75.00 to open the two accounts. She handed me a Savings Registry, and a book of Blank Checks. She told me my Check Card was on my way in the mail already, and I should have it by Thursday at the latest.

    Checking: $50.00
    Savings: $25.00

    Here is my question:
    Is that money in my two new opened accounts? Or is that a fee that I had to pay inorder to open an account with them? It says in the Check Book that my balance is $50.00 and in my Savings Book, it says "$25.00" but when I go online, it shows that I have no money in either of those accounts.

    I am very pleased with Chase Bank so far. Their customer service was great, the lady was not pushy at all, and gave me tips and things that suited my needs, not her benefit.
    Nick

  2. #2
    Join Date
    Aug 2003
    Location
    St. Louis, Missouri
    Posts
    1,814
    I think that's your account balance now. I don't know of any banks anymore that actually charge you to open up an account, you just gotta put like $50 deposit or so.

  3. #3
    Join Date
    May 2003
    Location
    Hartland, WI
    Posts
    865
    WHTer,

    Thanks very much :-). I wish I had the balls to ask these types of questions at places. Or ask questions in the first place. I'm thinking about transfering all my $9,940 into my checking. Is that bad to keep that much in a checking?
    Nick

  4. #4
    Join Date
    Mar 2004
    Location
    Pakistan
    Posts
    2,752
    what is a checking account?
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  5. #5
    Join Date
    Oct 2001
    Location
    Ohio
    Posts
    8,082
    Quote Originally Posted by ArcticKid View Post
    WHTer,

    Thanks very much :-). I wish I had the balls to ask these types of questions at places. Or ask questions in the first place. I'm thinking about transfering all my $9,940 into my checking. Is that bad to keep that much in a checking?
    No, keep it in a savings account. Checking accounts usually don't have any interest rates, or if they do, they're quite low. If you have $9,940 available, you should definitely look into a long term savings account, such as one at ING Direct, or Emigrant Direct. The high returns will yield you great benefit once you're done with college, or if you have some sort of emergency through your college years.

  6. #6
    Join Date
    Apr 2002
    Location
    Seattle, WA
    Posts
    947
    It's probably because the deposit is on hold.
    I <3 Linux Clusters

  7. #7
    Join Date
    Oct 2001
    Location
    Ohio
    Posts
    8,082
    Quote Originally Posted by x86brandon View Post
    It's probably because the deposit is on hold.
    Cash deposits are immediately available.

  8. #8
    Join Date
    Jun 2002
    Location
    Waco, TX
    Posts
    5,087
    Quote Originally Posted by inogenius View Post
    Cash deposits are immediately available.
    But don't always show up online
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