Do you have savings account?
By Scott
@callarse1 (4783)
United States
December 7, 2009 1:12am CST
So my bank is so generous because they are offering me money to open up savings account, too bad I already have one. I have a bit saved up, not a whole lot, but enough to pay my bills if something were to happen.
My questions is, do you have a savings/checking account? Would you like to open a savings/checking account? Why or why not?Some people with bad checks (bounced checks) aren't allowed to get any bank account, too bad right?
I always use my account responsibly, and I haven't had a bounced check fee in a few years (which is good). I'm pretty good at money management. What about you? Do you manage your money well?
Cheers and happy mylotting!
1 person likes this
5 responses
@JenInTN (27514)
• United States
7 Dec 09
I think I do pretty well at managing my money. I actually have two checking accounts that I balance. The second one was opened number one for additional expense tracking and because my bank offered $50 for opening an extra one. It's a free checking account so all I have to pay for are the checks if I need them.
1 person likes this
@callarse1 (4783)
• United States
11 Dec 09
I used to have two checking, but no more.
Would you be interested in opening up a savings account? 
. The bank offered to give money, I believe it was $25 if you deposit $300. I thought that was nice, but I already have a savings account with them.
I have free checking, too. It's nice when the banks don't charge much for an account, right?
. The bank offered to give money, I believe it was $25 if you deposit $300. I thought that was nice, but I already have a savings account with them.
I have free checking, too. It's nice when the banks don't charge much for an account, right?@callarse1 (4783)
• United States
27 Dec 09
Cool. We only pay for our checks if we run out. They aren't that much. I don't use the debit card that much. I probably use checks more often than not. Cheers and happy myLotting!
@minx267 (15527)
• Hartford, Connecticut
7 Dec 09
I have more than one checking account and more than one savings..
If they are offering you money to open up another- I would do it. Otherwise you are throwing away money.. lol
Just take some money out of your current savings and use it as an opening deposit.
@callarse1 (4783)
• United States
11 Dec 09
Are you interested? Hehe, they are given $25 if you deposit $300 into the savings account. I have one savings account and one checking account. You make sense though because if they give extra money then it's a good thing.
@elitess (5070)
• Ipswich, England
25 Nov 10
Hi there callarse.
I see you attached an ING bank picture - they actually offered the same deal in my country - you would get about 10 euros for a new account at their bank.
I do have a savings account - i actually have a few types of saving accounts - a normal student account from ING, an economy account from ING, a deposit at ING and another savings account at Raiffeisen Bank.
Now as i put work on hold, and went back in my 2nd year of my master year, it is getting a bit difficult to save as the income has drastically reduced, but i will manage somehow - the online activities will help a bit - i guess it's better then nothing.
@callarse1 (4783)
• United States
11 Dec 09
Yes I know. However there is no point of having two savings accounts. Moreover, my bank (the one that wanted me to open a savings account) wanted to give a generous 0.07% interest. That's not even one percent interest! No thanks! The bank I have savings account with already gives me way better interest.
@callarse1 (4783)
• United States
11 Dec 09
Oh I see. Well, that's why I want to keep my savings account. If somehow I lose my job, or we have lots of bills I can use the savings account in an emergency.
