I FOUND THE 5 BEST BANK ACCOUNTS!

[@rodriant55]

This man is literally the reason I love being “financially responsible”

[@GrahamStephan]

Thanks!

[@brandonknable7890]

Same bro!!

[@GalaxyColorsZeRo]

Big fax

[@jadynmanning8588]

Same

[@xoellielily]

Couldn’t agree more

[@mariar9755]

People complaining about the adds: I think is a small price to pay since he is doing all the research for us. Thank You Graham👍🏻

[@danielle2451]

Way better than old TV commercials and if we watch 30 seconds of each ad he gets a decent amount of ad revenue per video

[@TinasheNdori]

Drag the video to the need before watching and then clear reply and u have no ads

[@rtd4451]

The online ads are a pain but they only last 2 to 3 seconds. But its totally worth the knowledge.

[@Anonymous-eo2er]

They’re fun sometimes. I just got a weird one about some dude selling a blue thing on amazon. Idk what that blue thing was since I don’t get far enough in

[@elmera4411]

The man made close to 2million dollars from KZbin alone.

[@Perezisok]

You’re like the dad I never had wish I found your channel sooner

[@ericjackson2787]

Facts

[@fossilfountain]

He’s the rich dad from the book “rich dad poor dad”

[@wienersquad5072]

It’s like he read my mind, this is literally what I needed right now

[@GrahamStephan]

Awesome!!

[@ninjafit-]

Same! I was just thinking about this!

[@armenpetrosyan425]

They be listening to us man lol

[@emilygallegos5652]

W S literally me too!! I just was researching the best savings accounts lol

[@paperremix]

Same! I was just looking at banks (rip me at BOA) and I think discover would work best for me as I'm getting the credit card from them (new to credit)!!

[@AustinGarner]

*Graham in jail* Guard: “You get one free call, use it wisely.” Most people: *call friends or family* Graham: Hi yes I’m calling about the sign up bonus on the new Discover card?

[@marlenenoubet4927]

Austin Garner 😂😂

[@foiarelief9176]

😂😂

[@Koushi82]

Please send the card to my jail cell.🤣

[@GegeP1804]

He is going to use the sign up bonus to bail out of jail 👍🏾

[@Koushi82]

@@GegeP1804 lmao of course

[@farisdurrani]

I LOVE how Graham always puts the summary of what he talks about in the description. Really helps when I'm rewatching or finding an important point (which are many)

[@stevenparhat1253]

I just realized Graham really just called us all broke without calling us broke

[@Koushi82]

Lmao well unless you have over 100k in cash the high interest low money accounts are perfect. 90% of people have less than 10k in cash.

[@cindyhsu9827]

Maybe those people should re-evaluate their income /spending habits and start saving up.

[@tongpoo8985]

@@cindyhsu9827 👏

[@josegalvan4995]

Cindy Hsu maybe those ppl are barely starting there lives (16-25) and come from nothing and are here on this KZbin channel for a reason?

[@chris5k132]

@@josegalvan4995 exactly , I hate how people think life is easy for everyone. How can they judge without even knowing them personally. Gosh

[@billyj1892]

Gram you literally change my life. You taught me how to invest and you kick started my own journey on youtube and real estate. I really appreciate the info you drop. Thanks

[@GrahamStephan]

you got it!! :)

[@nicknicky873]

Had to give him that like😎

[@rayanrazavi6522]

@@GrahamStephan People complaining about the adds: I think is a small price to pay since he is doing all the research for us. Thank You Graham👍🏻

[@idunno2379]

@@rayanrazavi6522 did u just copy and paste that from @maria R

[@nashtrucker]

​@@idunno2379 @rayan razavi did u just copy and paste that from @maria R

[@matthewcisneros5973]

Graham, Could you do this with top 5 Credit Unions?

[@Jdmtunerlover]

I love American Airlines Credit Union

[@worldofjc]

Second this

[@bennygbutter46]

Too many options

[@hippityhoppityilikemypriva4467]

The federal credit union for vets m,military, and federal employees is AMAZING i think they give like 5% or some other equally crazy number Right now i use America First (AFCU) and honestly their normal checking and savings aren’t crazy but their customer service is great, any time ive been charged an overdraft on my checking i can just call in and it’s gone. And i have found them to be as responsive as credit card company’s when i have issues with being charged for something I didn’t purchase and other little issues like that. But what’s really great is their student savings account. Based on age not student status to qualify. It’s a money market account that gives i think also 5% that you can transfer and withdraw from like a regular savings account. Completely liquid with high yield, perfect place for an emergency fund imo.

[@OtKH00]

Navy Federal is about as amazing as it comes, but is limited to service members and their families. Navy Federal has uber competitive rates across the board, but beyond that if you ever want a Credit Union that goes out of their way to help YOU, then this is it.

[@user-mw8fq8bu7i]

Stephan ending 2019 with a banger

[@traviswilliams1296]

Another good one for sure. Happy New Year You Tube

[@thetruths7389]

But Vio Bank Online has a lot of bad reviews so he should remove it from #1.

[@trapsarentgay4195]

Joe Taylor good logic

[@GibbonsMemoryHub]

I've had so much free time while being on winter break that I've been watching all your videos and I reorganized my finances and switched everything to high yield and started investing! Thanks for all the videos, they're super helpful!

[@jessi9375]

You’re really making me consider just closing my Chase bank and open an Ally savings or Capital one

[@texanboiii562]

Jessi thinking about it too cause BofA sucks!

[@Seannn412]

Do it. I was at 5/3 for years, my wife found Capital One, I opened an account shortly thereafter and haven't looked back. I'm in the process of closing everything out and completely transferring to Capital One.

[@texanboiii562]

Sean Maley so you would say the savings account with capital one is a good idea? Does the interest grow per month? And how often can you spend that money?

[@charlesovatar]

1.75% atm

[@remplidefeux]

Yea I did Capital One from BofA and honestly, light-years ahead.

[@FinancialTutor]

Finally! ... I've been waiting for this video ever since your posted the top 5 worst bank accounts videos!!

[@GrahamStephan]

Awesome!

[@todberry5068]

I think it’s really cool how when you redo a list there’s some new information that you eloquently present for us and your video quality is just top notch. I’m happy that you hit a million subs you deserve it

[@adilnasir8914]

I love when he makes fun of his haters and changes his voice 🤣😭

[@WestCoastUSA546]

Immature

[@MS-kd3dn]

I don’t even live in the US. Why am I diligently taking notes? 🤦🏽‍♀️

[@traviswilliams1296]

Haha it’s ok

[@paperremix]

If you come, you'll know what to do! Haha

[@spooky9303]

Same

[@monkeydude2424]

To know what makes a good bank I guess

[@Islandvybz96]

Because you’re smart!

[@rossprodigy4055]

I would love to see a video breaking down the best high interest savings accounts. Great Video.

[@charles_hayes]

That what I said last year and now I run a six figure dropshipping store. I just want you to know that I failed the first twenty times I did dropshipping, but I didn't listen to my friends or family that were telling me to stop, I just kept on going and you need to do that too or else you will not succeed. It took Thomas Edison over 50 tries to get the lightbulb. Most people don't know this, but It wasn't even his invention. If you are passionate about something don't quit it, I guarantee you will succeed if you do that.

[@Fps_American]

Charles Hayes hi do you have an email I can contact you on?

[@Natasha_Kwan]

Hey Graham, with the recent events that have happened would you make another 5 best bank accounts now? I think that this is a video you could do every 6 months.

[@austindavis7415]

I randomly walked into a capital one cafe and they gave me free coffee because I had a capital one credit card. 20 cents is too much!Ill take my free credit card coffee!

[@GrahamStephan]

That’s awesome!!

[@TooMuchJayy]

sickflow usually major cities

[@geoc1]

Where? The one in Manhattan NYC just gives us 50% off their coffee.

[@MzBrazilian87]

In Seattle they have it

[@austindavis7415]

geoc1 this one was in Walnut Creek Ca.

[@RealWunderBanana]

I have used Wells Fargo for the past 5 years and I feel like a chump.

[@marianaprado2856]

I feel you now I'm trying to figure out how to cancel and move to a different one

[@RealWunderBanana]

Mariana Prado agreed lol. The hardest part is contacting all of the companies that take money out of your account and switching it to your new one.

[@marianaprado2856]

@@RealWunderBanana god I didnt even think of that ugh I'm not ready for this head ache.

[@jadiecakes3241]

@@marianaprado2856 write down all your direct depsoits from the month to check!! i forgot 3 payments when i changed banks last year (well 2018 now) sigh. I forgot my loan, gym and union lol.

[@marianaprado2856]

@@jadiecakes3241 I will I'll probably keep my wellsfargo account open until I'm positive everyone was given the new info lol

[@TheFelixdahouse]

"The interest rate is horrendous" (24.99%) Let me introduce you the interest rates of any Mexican Bank... (+50%-60% )

[@dasquilvs.everybody306]

Finally someone understands my pain.

[@lottibinns]

I love these videos, I have no clue why I watch them (I’m from the UK so the recommendations for cards/account aren’t always that useful) yet here I am pausing Netflix to watch it. Thanks for the great content!

[@evantroyka6017]

Charlotte, you might have a crush on Mr. Graham.

[@RafaPaezCOM]

Congrats on you successfully 2019. I've started sharing content myself as well but in Spanish, as I cannot compete with you in English, haha. Happy New Year 2020!

[@GrahamStephan]

🙌🏼

[@gurpalsingh3695]

@@GrahamStephan Is CITI bank good ? They have 1.85% interest in their accelerate savings account ?

[@jgtv6269]

Rafa Paez Subscribed! 😀

[@jst7714]

Anyone else know Discover was a Sears creation? Sears was the original retail good guy, the legacy lives on.

[@ENGRingSuccess]

Great advice Graham! First thing a person should do after getting their first job is choose wisely on where their money will go, and this video does a great job of presenting various options!

[@lain11644]

I'm leaving Wellsfargo finally after 15 years!!!

[@pinkorganichorse]

Congratulations! Why are you leaving them?

[@j.anthony3571]

Worst bank ever!!

[@googleplusrapedme9227]

Don't burn any bridges. take your money out but Try to keep the account open if you can do so without paying any fees.

[@wolflink9000]

@@googleplusrapedme9227 lol why? There's nothing bad about closing bank accounts, I do it all the time with signup offers

[@mriphone1000]

Yay!

[@samsmusichub]

Capital One's 360 Performance Savings went down to 1.2% thanks to you. I still have them though lol.

[@Zo3yX]

Perfect timing I've been looking for a video just like this

[@GrahamStephan]

Awesome!

[@busyrand]

Very timely. I need this right now, this exact moment.

[@angelann101]

Graham, what you do is so important! I seriously appreciate every video and all the helpful information! Not to mention that you’re funny! The financial advice I was given from my parents was, “Keep a credit card for emergencies.” 🤦🏻‍♀️ I love what I learn from your channel and other finance channels too. We need more of this education in schools! I’m school all I remember getting about money was doing a simple budget. 😕

[@TheeMademoiselle]

I’ve had capital one for years never had an overdraft fee or seen a Capital One cafe lols. I like in NJ they have legit bank branches.

[@aq2387]

My sister had one about 20 years ago in Cali. She accrued some BS fees and challenge them which they wouldn't take off so she got the BBB involved but they couldn't do anything as it was a company based from Canada. Idk what's chnaged but I wouldnt bank with one with that isn't held accountable by some of our watchdog.

[@chrisjl84]

I have Capital One... I have loved them until today. I have 30K between my checking/savings accounts, and while travelling for business i left my phone in an Uber. I have all the dual authentication stuff set up via my phone. So I called the bank and asked them to help me out with being able to log in online and access my money, and they basically told me "sorry, nothing we can do"... Okay. I'm looking right now to see who I can transfer my money to that won't just tell me "sorry".

[@Aylinnn_Flores]

I want to get in with capital one for a checking but we only have one atm here in Minnesota

[@Izzythrills]

Yay I’ve been waiting for this one ever since the “5 worst” video!

[@alexanderhyder3199]

Discover 1% debit card is incredibly useful for payments that charge different fees for credit and debit. For example, my landlord charges 3% on credit cards but a flat $5 on debit cards. Same story with the approved IRS tax payment processors. I agree most other purchases should go via credit card though.

[@Cuterful2]

So glad I found your channel! Starting to be more aware of my Finances this year.

[@AedannTracy]

This man deserves it all keep up the great work Graham 👍🏽

[@Invstnhustlr]

you should do more updates on this!!! Sorry if that is too blunt. I am a long time watcher and subscriber. I appreciate everything you'd talk about to help me learn and grow. If you are still a lil tired of the usual stock market update videos you should do more updates on stuff like this with new banks or new offers.

[@FinancialCharles]

Yeah, discover is underrated asf

[@kelesar]

It's the one I'm going to go with I really like the 1% cash back debit card

[@FinancialCharles]

@@kelesar I love the cash back bonus on everything you buy. You get even more % cashback on gas/food!

[@istaygolden3017]

How do u get more cashback with gas and food?

[@FinancialCharles]

@@istaygolden3017 my acc just comes with 2% cash back on gas and restaurants and everywhere else is 1%

[@istaygolden3017]

@@FinancialCharles this is like their normal checkings account or do u have to apply for this kinda upgraded version?

[@tasiimdiliza]

I love how you have a genuine interest in makin other people’s lives better. Thank you Graham

[@GrahamStephan]

You got it!!

[@traviswilliams1296]

Yes his content is always top notch. Helping people feels really good too!

[@p4nc4kemix4uTV]

"There's even a little squirrel that comes a cross the screen that mowes a lawn of money!" 💸 Lol this is why I love this KZbin channel, great financial advice and always guaranteed to have a few laughs each video! Thank you Graham 😂

[@tasiimdiliza]

p4nc4kemix4u TV I absolutely agree 😊

[@albertriestra1558]

I just wanted to thank you for making these videos. You're helping so much especially in the time and situation we are all in. Thank you! Thank you! Thank you!

[@Geneparmesan]

It’s interesting how high interest is so relative year to year. Although getting the very highest interest is nice, going with a company that will give you regularly good interest is likely better in the long term

[@GrahamStephan]

So true!

[@wolflink9000]

No best is to always switch Banks to best apy

[@DewTime]

Is this vio bank consistent like ally?

[@xguti001]

I think I’m edging with ally atm. Just tired of my BoA accounts.

[@Koushi82]

@@xguti001 if I didnt get extra cc bonuses from boa checking I'd drop boa. They ain't that good as a bank Chase as well suck I only use them cause of atm and transfering money to my other acc for dd

[@karencastoldi1291]

Thank you!!! Very helpful.

[@stevenrogers2568]

I was told to follow you on KZbin. Glad I did- liked and subscribed.

[@v01dmalik]

Shout out to all the responsible 12 year olds watching this

[@wt5068]

Thanks!

[@ItsMikeArre]

I’m just here for the Graham attention and reply hope ur holidays are going great man and happy new year to u friends and fam let’s make 2020 better then 2019 👍🏽

[@traviswilliams1296]

Yeah mike let’s get it!

[@saucyrossy3698]

FYI these rates are lower now than they were when this video was shot. Its all relative though for the most part...as in these banks still pay a higher rate than other banks (since virtually EVERYONE has had to lower their interest rates given the absurd financial conditions), but the numbers that Graham cites are no longer accurate. I was confused and figured others might be too.

[@francheskaf9496]

I was so confused for a second lol

[@JCam151]

Yep, vio and discover only offering .40 atm

[@madidiaveli]

Awe man

[@kelseybrintnall2080]

Bank interest rates follow federal interest rates. They’re up again

[@ThatDudeFlex1]

I will definitely be running through your videos... Thank you! Liked and subscribed!

[@jaimegutierrez2569]

We need a 2022 best bank update Graham.

[@heavysetup5553]

I just opened a Citi bank account and I deposited $50,000 and i got a $1000 bonus which is a 12% APY, plus i get 1.65% APY if i have $50,000 or more.

[@sruck22]

Great video. Do a video on how many bank accounts you have and the purpose of the accounts!

[@GrahamStephan]

Sure!

[@AwesomeMan2696]

@@GrahamStephan awesome!

[@Gaaaaaamer]

Dammit Graham, I was reading an ebook and your notification popped up, now I gotta sToP wHaT I wAs DoInG bEcAuSe tHiS vIdEO iS oBvIoUsLy MoRe ImPoRtAnT....🙃

[@ASTNGen]

More important than hunting machines? 😆

[@Gaaaaaamer]

@@ASTNGen Oh, hell no. Nothing can top that! 😎

[@TravisGilbert]

Graham, your videos and advice on growing a channel have really helped me I appreciate it! Great work

[@GrahamStephan]

Happy it's helpful!

[@jerrylintz6227]

Love you both!

[@TravisGilbert]

I make educational videos btw !

[@wenrocks]

I am a big fan of all your videos, great information!!!! I was a from a former banker, I wish more people get informed before opening an account. Thank you!!!

[@stevenparhat1253]

My man finally saw my comment, this is the video I have been waiting for

[@GrahamStephan]

:)

[@rashadheyward]

You should review the bank SOFI they give High Interest in their checking accounts. They also have investment stocks etc

[@btvenglishnewsat10]

Helpful and informative for all.The Hidden Agenda of ‘Interest’ Versus ‘Profit’ Importance of Bank Banks are an essential component of the present day world-individuals as well as public and private institutions can hardly operate without the institution of banking.

[@kuya49z]

Could you do a video on BEST ROTH IRA accounts and could you talk about SOFi I hear alot about it. Thank you!

[@Angela485]

Lol, when there's a bank that pays you more interest in it's checking account than I get at my current bank in my savings account

[@celi896]

THANK YOU SIR!! just found your channel yesterday and i can’t stop watching all your videos.

[@travelfun3513]

You had me at "What's up you guys, Graham here."

[@calihuntfish7163]

Travel Fun Same

[@risingofthefallentitan9233]

The biggest problem is I can’t hit the like button more than once...

[@phoqueme]

I guess my big question is, how do we adapt to the lack of physical branches? The only big reason why I don't switch to these banks is that. To deposit money, either small or large amounts, and other things that we do in physical branches

[@zenaaubrey2701]

Michael G, good point cause I can't get past the thought of NO PHYSICAL BRANCHES. I'm sorry but I have a problem with not actually seeing my bank branch 😬

[@samanthaaaz22]

With the online banks, I'm worried about having an issue and not getting help about it. & with a physical branch, I would be able to walk in and talk to someone. If that makes any sense.

[@deadpanhay]

This is the reason I keep my PNC account open with a physical location in my area with an online HYS account with Vio. It was the one I opened first and I can deposit checks when the app won't read them or fix things or get advise at the place itself while learning all I need for adult things.

[@leprechaun8067]

If it makes any difference to you, I have an account with an online-only bank called "Monzo" and their customer service is head and shoulders above the traditional bank I had dealt with for years before that.

[@cat-.-]

I totally understand that! One time I needed to take the street car but I didn’t have any cash (they don’t take plastic), I went into the chase bank branch and got 10 dollars in quarters. My capital one atm would only give me 20 dollar bills

[@brandoncharleswhite7893]

Ally bank has been awesome to me and they've helped with everything ive had questions on and you can speak to real people

[@duran9664]

Discover is the only bank I’ve tried so far that u can easily talk to a human being when u call.. #SupportHumans #RejectMachines

[@FedUpZebra]

A human being that is ACTUALLY fluent in English! It's such a relief!

[@buggydclown7724]

writinc "reject machines" on a machine huh? that kinda makes you a hypocrite

[@joelaustin9141]

#Yanggang4life

[@jonathandominguez1615]

Dude I feel you . I got so impatient with the machines.

[@austinblackburn8095]

@@joelaustin9141 #Trump2020

[@rtd4451]

Graham Good Morning .I currently use Tcf Bank ,Chase Bank, and Capt One Bank. But Capatail One Bank gives the best interest rate . The Customer is amazing . The Rates do change at times. But thanks for the information on the banking side of things. Best Regards, Bradley

[@tristanskylark]

6:04 “bUt gRAhM!” 😂😂🤣 gets me every time

[@DavidSaintloth]

Simple is my bank. Their goals and expenses tool is how every bank should have always worked.

[@Sirnayooo]

It would really suck if you have a lot of money in an online only bank and then bam the internet is shutdown and erased.

[@officialhuskyharris]

Best part of these: When he mocks and blasts the negative comments 🤣

[@Dribbles88]

DISCOVER beats all of them hands down! Fight me! XD

[@juniorstockinvestor6356]

Lol also their stock is undervalued in the stock market. Great business

[@tpmediagroup]

They actually ARE... One other thing he neglected to mention is their checking account apy is ALSO. 1.70...which makes their bank BETTER than ANY of the ones mentioned here hands down

[@kr46428]

​@@tpmediagroup Are you sure about that? I haven't been able to substantiate that information anywhere. Their savings accounts definitely do pay 1.70%.

[@tpmediagroup]

@@kr46428 YUP! I have the acct but u can look it up on nerd wallet

[@FadiAlzammar]

@@tpmediagroup On both Discover's website and on Nerdwallet, I'm only seeing the 1.70% referred to their savings account.

[@georgesadler7830]

Thank you so much for all the banking information.

[@stevenparhat1253]

When you have to be a citizen to open an Ally bank account Discover: welcome👏🏻

[@stevenparhat1253]

@NurturingTalents Lmao for real, but one day tho. I am going be an "Ally" too. lol

[@stevenparhat1253]

@NurturingTalents Thanks, still got to keep drinking that 20 cent coffee after tho

[@paperremix]

Yeah I noticed that too! Found it weird but I'm a citizen so I am going to try them out along with discover.

[@fejic]

I'm not a citizen and I opened an Ally account about a year ago. They also financed my car 2 years ago. I am a legal geeen card holder tough. Maybe things changed?

[@FlexSZN23]

You don’t have to be a U.S. Citizen to open an Ally bank account, you just need to have permanent residency status in the US colloquially referred to as a “green card”. www.ally.com/help/bank/opening-account.html

[@JJoeisCooking]

I was looking for a high interest savings account and came across Vio Bank last August. At the time, they offered 2.42%. The interest rate does fluctuate however. I've had no problems with getting in touch with a representative and getting my situation resolved when I had an issue while overseas. I'm quite happy with them.

[@wolfiemcqueen647]

See, the best advice in this video is in the comments. Thank you for the review on bio. I was wondering about them. Do not like this guy he is a wordy time wasting idiot. My two best accounts or Marcus Goldman Sachs M-F cover. This guy says why oh is the best. Ignore this fool-do some research on your own and save some time.

[@juniorgarcia4758]

Coffee is gold!! Keep that coffee on site Graham.

[@ImportsandExotics]

It's always important to keep an eye out for these interest rates, since they are constantly changing and banks use them to lure people in.

[@xander.deanna]

You should do a review of Simple Bank!

[@Whimsydaisy]

I second this!

[@alyssacaitlyn1]

You’re the only KZbin channel I ever click the like button for. 😂 Mostly because you are teaching me so much and I can tell how much work you put into your videos! Keep it up my man!!!

[@NecoBabbles]

Goals for 2020: banking with Lawn Mowing Money Squirrel. I'm gonna call him Gary and I hope he will be my customer service rep.

[@1maybeline]

Don't think they'll be assigning you a customer service rep. With those interest rates they're paying during a 0% rate economy, they're probably in the red.

[@thecaptaing9355]

I just watched your “ how to make 20 cent iced tea” video, and found out we have the same birthday!

[@detectivemikevarnado7515]

Brand new subscriber. Great into. Thanks!

[@Mrsimpleton26]

Could you do a series or something where you review certain bank branches? I’d love to hear what you have to say about Old National Bank but it’s only in like 2 states haha

[@level1life79]

1 minute ago: 90 likes. Goals.

[@GrahamStephan]

CRAYYYY

[@mortgagesmademanageable9107]

And he didn't ask for a like until 1:12!

[@fgjf1079]

I guess I fall under the .0001%

[@James20013]

Graham Stephan not on topic with this video, but what’s your thoughts on commercial real estate? Maybe a future video about commercial real estate.

[@Guerrilla727]

@@GrahamStephan Top 5 best credit unions please

[@whitneytraynham9951]

I watch videos like this, go back and compare for my personal needs and think to myself “Graham saved me so much time today” lol thanks 😊 you’re a good guy Graham!!

[@chrisglaze1410]

Where’s Lehman Brothers?

[@GrahamStephan]

I LOL'ed

[@xander.deanna]

Ahahahahaha wow 😂

[@maddmethod5880]

HOLD UP: You can avoid the 35$ overdraft fee from capital one by opting-in (for free) to overdraft protection. There are 2 options. They allow you to either: 24 hour grace-period/put money in your account to cover the overdraft, so you dont have to pay a fee. OR: OUTRIGHT BLOCK any purchases that will take your account into the red. Why dont more banks do this?!

[@nicholasalonzo3499]

Because if your the type of person that overdrafts your bank account than your also probably the kind of person that signs up for bank accounts that charge such fees...

[@Youtubeuser1aa]

If you're worried about overdrafts you need to work on some other stuff

[@align9218]

Same story with Wells Fargo

[@montinezrowe994]

They do but if you choose to opt out and they do you call them on they bs

[@Idkjustyet]

@@KZbinuser1aa that’s it necessary true. My bank doesn’t do the available balance correctly so it looks like u have money to spend then BOOM. Overdraft fee because they’re not pulling the money out till days later…

[@RudyC27]

Thanks Graham!!

[@FisherCoder]

Discover is my very first credit card ever and I've been using it since 2012, love it! It's truly awesome, no hidden fees and excellent customer service! Glad it's on this list!

[@GrahamStephan]

Awesome!!

[@traviswilliams1296]

Same man! Love Discover. Also have the amazon cash back. Great way to make money from necessary purchases

[@FisherCoder]

@@traviswilliams1296 Yep! Couldn't agree more!

[@debrajean743]

Graham is so right about Capital One. I use their checking and savings online even though I could walk into a branch. And their customer service is fantastic. Even during this pandemic thing they answer the phone within a minute. And you get a debit card to go along with your checking account. I've been using Capital One online for many years and love, love, love it, if you can love a bank lol.

[@zoedaly5703]

My favorite part of these types of videos is when he mocks the haters: 6:04 It's hilarious...just me? ok

[@nmernst]

For those that don't know, CapitalOne acquired ING, making it the great option for checking and savings that it is. Cafes are good, but do know it is not a fully staffed bank. Customer service though is quite good. Thanks Graham for the great options.

[@mordwin1]

What is it ING?

[@nmernst]

@@mordwin1 ING Direct was the first online only bank (to my knowledge). In the States is started in 2000. I signed up in 2004. In 2012 it was acquired by CapitalOne. You can read more at: en.wikipedia.org/wiki/ING_Group#Banking

[@jorgep3512]

Nicole Ernst Boris do the cafes have ATMs to deposit or withdraw money?

[@nmernst]

@@jorgep3512 Yes they do. Not a fully functioning bank but does your basic everyday transactions such as atm deposit/withdraw and staff to help.

[@peytonharris8491]

You are single-handedly holding my financial life together

[@faith_oo30]

Graham!!! You’re so awesome! Thank you for taking the time to educate us. I have genuinely become more “savings conscious” since I started watching your videos. What’s your take on Wealthfront bank?

[@GrahamStephan]

I use Wealthfront and love them!

[@JamesWiseMagic]

When you move over to a completely online bank without physical locations how does depositing and withdrawing cash work? Are you able to go to any atm or what?

[@lissarae]

Some online banks are able to collect deposits through cash-accepting ATMs. With a Capital One 360 checking or savings account, for example, you can deposit cash in a machine at one of the Capital One cafes or bank branches in a few states and handful of cities around the country. Another bank, Radius Bank, participates in two networks of deposit-accepting ATMs, ones that carry the NYCE or MoneyPass logo. Online banks such as Ally, Capital One 360 and Discover let you link your account electronically to another account at a traditional bank or credit union. If that linked institution has a local branch, make your cash deposit there. Then, create an electronic transfer, also known as an ACH transfer, to move the money to your online bank. Many institutions allow free ACH transactions, though they can take up to three business days to complete. You can also transform your cash into an easy-to-deposit check by buying a money order at a local retailer or a post office, then make it payable to yourself. If your online bank has an electronic scan feature, you can snap a photo and upload the money order to your account for deposit. If your bank doesn’t have this feature, you can mail it to the bank’s headquarters for deposit.

[@devlinfae]

I use Ally. I get reimbursed for ATM fees.

[@jacque850508]

Awesome guy, I love your energy and your channel. 👍👍👍👍

[@chrisvenegas3833]

Anyone else remember the good days when ally was at 2.2% for the savings account? Luckily I put away a good amount in a CD during that time.

[@PTpharmacist]

A good bank needs to sponsor Graham in 2020, its time!

[@ENGRingSuccess]

I don't know about that, I personally enjoy the fact that he's not plugging a bank in every episode.

[@PTpharmacist]

Engineering Success true but if its a bank that he truly believes in, then why not?

[@djpax50]

Hey man, I just wanted to say thanks for taking the time to make these videos. I have been watching them for a few months now along with other investment/real estate/FIRE videos and they have really made a positive impact in my life. I just moved my emergency fund over to Vio bank and I just got my 2 free WeBull stocks today as well because of your link. Keep up the great videos they are really making a difference.

[@andrewsalazar98]

Sounds like the list is reversed tbh.

[@twix1442]

I feel like this series should have bi-annual or annual updates~ Edit: is there also gonna be a top credit unions vid?

[@michaelscott2929]

your worst bank account video made me sub great job 👍👍👍