The so-called debit cards, most of which are called debit cards, will directly open a checking account and a savings account for you by default, and you can transfer money to each other many times for free (a few banks will charge a handling fee). The cash flow here is much less than that in China. If it involves paying bills such as utilities, internet access fees, rent, etc., or going through some formalities, you need to write a check to the corresponding department. Similarly, if you work for money (legally), some employers will write you a check. Whether you write someone a check or someone else writes you a check, the money is linked to your current account. A savings account only gives you a low interest rate on a regular basis in proportion to the amount of money in the account. Some banks can set up some websites to automatically deposit money from the corresponding savings account when the checking account is too low. But in most cases, if I have 1W, I will put $85,000 in my savings account,14,80 in my checking account, and $20 in my trouser pocket, in case of robbery. In a few months, I may give you more than 20 yuan/piece of interest on a savings account. Check the bank's own preferential policies. The bank's own advertisements must be particularly good, and be cautious again ~
As night falls, I study in the library and communicate with my parents and family in the dormitory. Don't loiter in the street. When you see people standing in a circle in twos and threes on the corner, hide! Far away! Point! )
If I open a checking account and my parents send me money, will there be a handling fee?
Parents will definitely spend money, and you won't spend money if you accept it! But! You need to provide three figures to make money here.
One is the checking account number, one is the routing number, and the other is the SwiftCode.
Attention! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! !
The first one is your checking account number, not 16 digits on the front of the card. These two figures are different. Parents call the bank to check your two numbers before paying, which is not visible on your bank card. However, after you open the card, most banks will send you a bad check on their own initiative. These two numbers are on every check, and then Google will know the corresponding location.
SwiftCode just calls the bank and asks.
How long does it take to get a debit card?
20 minutes. . .
Do I have to pay for the card?
Um ... . Never heard of it. . .
Do I need to charge some money into my card when I apply? About how much?
Some banks have minimum deposit requirements. For example, 20 12, TD must ensure that there is at least 100 USD in the account, and there will be a charge below this amount.
Which bank in the United States is better to handle debit cards?
Ha ha. . . This is a very common problem. . . You can consider Bank of America (BofA) or CITI Bank (Citi) first. Also, considering that there is still a market for cash circulation in the United States, we should also consider the convenience of your residence, study, work and business.
There are also fees for each inquiry, transfer fees and ATM withdrawal procedures. Which bank will be less?
It seems that most banks will give you one when they open an account! Small! This check is written casually and costs nothing. After writing it, it may cost money to buy it again. When buying a car and renting a house, you may be asked to draw a draft in the bank. 13 spent 5 yuan.
Intra-bank transfer is free, and inter-bank transfer is charged according to the situation.
ATM, some bank cards, ATMs in the United States do not charge fees, and some charge in proportion (of course, there will be an upper limit)
What is the general process of handling cards?
When you first arrived, you had nothing, with your passport, I-20 and student ID. Remember to bring your student ID card. There may be a discount or something.
There are too many Ginta in America. At the beginning of school, they may all go to school to set up a small tent, set up a small table to publicize and drag you to get the certificate. Don't trust anyone. Ask seniors and Google if the corresponding bank outlets or ATM machines nearby are close enough and convenient enough.
Some banks' debit cards also have consumer rebates. If you spend $65,438+000, you will get a refund of $0.65,438+0-65,438+0.50. There are great differences between banks.
Some banks are very, very pit! You have just arrived in the United States, even if your score in NMET is 15 1, you may be confused when you really talk to foreigners. They deliberately said hurry up and then gave you a lot of lists for you to sign. Never sign your name casually, read it carefully and look up words you don't understand. For example, there is a provision in TD that if the deposit in the checking account is less than 100, then if it is maintained after 1, it will be fined 35 dollars a month. At least two years ago. . . Watch out! I was fined 70 yuan and went to the bank to talk to them for two hours before I revoked it. . .
The above answers are all from my previous experience, because the time relationship can never guarantee that 100% is correct, but at least some details deserve the attention of my brothers and sisters. It's more reliable to check it yourself ~
The school season is coming, and domestic schoolmates are about to embark on the journey of studying abroad. Although America has two eyes, a nose and a mouth. But China and the United States are completely different worlds. The bank card is still a trivial matter, and there are many difficulties that you don't know are difficult now.