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Wow, I am changing banks!: Ima Saver's Personal Finance Blog
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Wow, I am changing banks!

August 22nd, 2006 at 09:00 pm

Just saw an ad in the paper and it looks like I will be changing banks tomorrow. I like to keep my cash locally because we need it for building houses.
The bank is advertising a new 5.25% rate. I have 107K sitting at another bank earning 4.14%. It is a savings account.
I can't close the account because I would lose the $634 in interest I have coming, but I feel sure I can draw out 106K and open a new account.
It pays about $3.20 a day more. That does not sound like much but over a year that is $1168.00
I use to make about $20 a day in tips. That is the same as not working 58 days!!

4 Responses to “Wow, I am changing banks!”

  1. debtfreeme Says:

    instead of having to change banks, take the add into your bank and ask them to match it. tell them you will be closing your account if they don't. IF they say no, write a letter to the bank CEO/Pres and i bet they will. with such a large account they will match it.

    only if they say no then cllseo the account with a letter explaining why.

    when my sister worked in banking they would sometimes do that for large accounts.

  2. boomeyers Says:

    Its worth a try to ask them to up your rate.
    You are doing a great job of paying attention to the small stuff. You show how the little things can add up! Great job!

  3. Anon Says:

    Be sure to ask the new bank if this is a teaser rate or if they are keeping it at that rate or higher for the future. I would hate for you to transfer funds and then they yank it back down two months later. I'm sure you have thought about that though.

  4. LuxLiving Says:

    Yes - and try to get a figure at the new bank if you go as to what if any they charge you for printing checks and their other 'hidden' fees. I stopped getting checks from the bank long ago - too much for itsy pieces of paper that they throw away!!

    Ummm...Ima, I sent you my email per your request. Did you get it?

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