The Best Banks to have Online Banking With

1695303776 The Best Banks to have Online Banking With
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Finding the right online bank which has favorable services which help with your business is hard to get. In Hawaii, there are several local banks, but after meeting with each and everyone representative, I have realized that those banks are not the right fit. 

When I started to look for the right banks, I need to know that the fees I would be paying are not excessive with potentially other benefits down the road. A lot of banks charging a lot of expenses and you want to know which bank makes sense.

If you never wire money, you might want to learn more at “How to Pay for watches by a Wire Transfer”

When looking for the bank, you want to have your online banking with; you need to make sure that you will minimize fees and possible save time due to their advanced technology such as phone App.

What information do you need to provide to open a business account? 

  • Social Security number or employer identification number (EIN)
  • Personal Identification such as Driver License or Passport
  • Business License which has the name of the owner
  • In general, those are the documents you will need to give to open a business account.

The best online banking for your business

Digital Federal Credit Union (DCU)

https://dcu.com

DCU part of the federal credit union network and you will have access to a shared branch. If you do not have this bank in your town, you can come to any shared branch to deposit or withdraw cash.

Learn more about the FEES

Business Accounts Deposit

ItemFee
20 Items or LessFREE
Over 20 Items$ .10/item

CashEdge Funds Transfer Service

TransferFee
Transfer to DCU
(Standard Service)
FREE
DCU Fee
(Standard Outgoing)
$5.00
DCU Fee
(Premium Incoming or Outgoing Next Day)
$10.00
People PayFREE
Payment CenterFREE
TransferFee
Incoming Wire TransfersFREE
Outgoing Wire Transfers:
Domestic
$15.00
Outgoing Wire Transfers:
International Sent in Foreign Currency
$40.00
Outgoing Wire Transfers:
International Sent in US Currency
$50.00

This bank has great customer service and accommodating employees who are trying to help you with your transactions. The fees are very reasonable for any small business start-up.

And yes, they do have an App to help you do banking over your phone.

NBCK Bank

https://www.nbkc.com/business-checking-account

According to their side, this bank likes to have transparency and no hidden fees. 

Use your smartphone to:

  • Deposit multiple checks
  • Pay vendors, bills online
  • Transfer money between accounts
  • Originate wires

What’s Standard with NBCK Banks Business account

  • $0 minimum balance
  • No fees for mobile deposit
  • $0 for overdrafts or NSFs
  • $0 for incoming domestic wires
  • $5 to send a domestic wire to Anywhere, USA
  • $45 to send or receive international wires

If you want to get cash, you will be able to use their nbkc Debit Mastercard®. You can use the card in 32,000+ MoneyPass® ATMs for free in the U.S. and Puerto Rico as well as getting $12 in monthly refunds for ATM fees of any other ATM.

And yes, they do have an App to help you do banking over your phone.

Bank of America 

https://www.bankofamerica.com/smallbusiness/deposits/checking-accounts/business-fundamentals/

You have probably heard of this bank before. It’s one of the biggest banks in the USA. This bank does not have a free account as DCU and NBCK Bank but has excellent customer service as well. Here is the info you should know.

Monthly Maintenance fee is $17

(You can avoid the monthly fee by spending $250 in a new purchase, or maintain average $5,000 balance or maintain a minimum daily balance of $3,000.

First Tech Federal Credit Union

https://www.firsttechfed.com/bank/business-checking/simple-business-checking

This First Tech FCU was founded in 1952 and had a long history helping technology-oriented companies and their employees.

To have the Simple business account, you pay $6 per month, unless you have an average daily balance of $1,000

  • Wire Fee
  • Incoming: FREE
  • Domestic Outgoing $15
  • Foreign outgoing $40

Here you can see the whole sheet of various sheets. 

Langley Federal Credit Union

https://www.langleyfcu.org

Langley FCU was founded in 1936, and it is one of the 100 largest credit unions in the USA. They have approximately 251,029 members.

There are so many options for your online banking. I would suggest you call all the banks in your city and see which once are the best for a small or large business. 

You will find out very fast, which bank will be the best fit for you. I have not found any better online bank than Digital Federal Credit Union. The fees, customers service are superb, and I have never had any issue with the bank. Last but not least, the charges are very inexpensive compared to other banks.

In the end, the choice is yours, and you have to make sure that you choose the bank which will save you time and money.

The blog post was written by Honza Hroch the founder of Value Your Watch

The Best Banks to have Online Banking With

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