Why can’t you approved for 360?

Essentially any checking account is fine if you have no requirements

https://www.reddit.com//r/personalfinance/wiki/banks_and_credit_unions

Any one is fine. You may need to call for additional identity verification if you don't already have existing bank/credit card accounts in your own name.

i honestly don’t know why so it’s kind of frustrating me. i have a decent credit score along with two credit cards and the saving accounts so i prefer to have the checking account as well. but i do prefer to have none or very minimal fees.

> but i do prefer to have none or very minimal fees.

That’s essentially any of them

What did you adverse action letter say?

Https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions

I know you said you prefer an online bank but would research local credit unions as they have low to no fees for having an account. Fees will apply for transfers, overdraft, extra checks etc.

Some might have requirements, such as schools first near me requires you or a family member to be a school district employee, but many have no requirements other than a small minimum deposit.

Fidelity Cash Management Account. No ATM fees worldwide, no NSF fees, no Wire fees. If you buy SPRXX as your money market fund then you earn 2.95%, fully liquid.

TD is good, and they’re offering a bonus right now. Tdbank.com

thank you! i’ll definitely check it out

it said i didn’t much history to show so i wasn’t approved. which i don’t know how to fix so i guess it’s gonna stay that way

i have looked into it but found that like going through some of them can be a hassle or they do very little to help you if something goes wrong

i’m gonna google it and check it out thank you!

i’m gonna google it and check it out thank you!

I've had a different experience. I walked into Altura Credit Union and had a checking account open in ~20 min, with most of that being spent on printing and filling out paperwork.

Customer service has also been top notch answering my questions.

Just like banks, not all credit unions are equal. Look at the one's in your area and research them. They'll often have lower rates for car and other loans than many other institutions.

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What do you expect might go wrong?

i live in central new york and i as well as my family have had some not so great experiences with credit unions, i had $3000 stolen from me and they did nothing about it. my mom she had her card frozen then they just closed her account i don’t know the full details but due to this i’m wary about going with a credit union