types of bank accounts in USA?
152930
(SEE link for banking History)\n\nThey are basically of two types:\n\n    * Savings a/c (with interest)\n    * Checking a/c (with NO interest)\n\n\n*Checking accounts allow you to write checks against your account, up to the available balance.\n**Checking at Savings Banks. Savings banks also offer accounts which work like checking accounts, though they might be called something else, like a NOW (Negotiable Order of Withdrawal) account.
771177
Wachovia offers several type of checking accounts.  What exactly are you looking for in a checking account?\n\ncheck out their website www.wachovia.com, call 1-800-WACHOVIA and ask to speak with a sales rep, they'll tell you what you want to know.\n\nask for fee information (like NSF & overdraft) and have a comparison with other banks.\n\nare you a student?  you may qualify for a student checking & free savings.\n\nare you employed? your employer might have a partnership with the bank to offer you discounts/competitive pricing on the At-Work Checking account.
1128798
Most locally owned/operated banks offer free accounts for kids, with no minimum balance. My teen has one.. at one time i think her balance was 11 dollars(lol) just call around... should be easy to find.
912658
You don't need an American bank account to have a PayPal account.  I used to work in banking but with the recent additions to the Patriot Act in screening foreign accounts, it got so complicated that I don't remember.  You might try an online account like ING Direct or Citibank.  You would be given a routing number and account number from the US and everything would be calculated in US dollars.  I've been using both banks for a long time and am very happy with the online convenience.
742544
I use bank of america. My husband and I have used them for several years. We have never had any problems with them. Everytime we have gone in to the bank or tried to call someone on the phone we have received the information we needed.
966548
Hi friend,\nhow are you doing. Well for those kind of informations you have to spend money alitle bit. As you u i'm a non us resident and i wanted to open a us bank account. I went to a good website that give all the informations and also the form i suppose to send to the bank. I pay only $4 usd, i think it's not a lot of money. In case you want to do the same thing i give you the link:\nhttps://www.mycashjunction.com/product_details.php?pid=331\nwrite me to let me know how you get in
275676
A checking account gives you a debit card and checks, whereas a savings account just lets you keep your money in the bank to collect interest.
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Current (aka checking) account is an account from which you can withdraw at any time.  Typically, checking accounts do not pay interest, although some banks offer interest-bearing checking accounts.  Savings accounts have limited checking privileges; you can still withdraw, but you lose interest on the amont withdrawn.  \n\nThere may be other quirks depending on where in the world you are.
1125897
Well there are alot of ways you may want to ask the bank you bank with if they have a branch in the US. I know that Citibank & Banco Popular are worldwide banks and are reliable, not like Bancredito.so you may want to check if they are in your area. Many times you have to open it in person unless you have a Financial Analyst who takes care of these things for you. Otherwise I would just go with researching the banks there in the UK & looking into the cost of transferring funds online bonuses & minuses to different institutions. Once you find a branch there that does have a branch in the states have them go over all the basics with you & of advantages again.\n\nHope this helps
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Wachovia http://www.wachovia.com/personal/page/0,,11_480_3972,00.html\n\nPNC Bank\nhttp://www.pncbank.com/personal_finance/deposit_center/checking_accounts/0,3810,2722,00.html\n\nBank of America\nhttp://www.bankofamerica.com/\n\nSoverign Bank\nhttp://www.sovereignbank.com/personal/forms/regional_prefs.asp?refer=%2Fpersonal%2Ferror%5F404%2Easp%3Furl%3D%252Fpersonal%252Fbanking%252Ftotally%255Ffree%255Fchecking%252Easp\n\nCompass Bank\nhttp://www.compassweb.com/index.html
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Check out;\nwww.GMACBank.com\nwww.INGDirect.com\nwww.EverBank.com\nwww.HSBCDirect.com\n\nAll FDIC Insured
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First USA Bank became Bank One and Bank One is now Chase.\nBest Answer Enjoy.
75806
I am British and opened a US bank account but could only do it because I had a house in the USA.
192332
We have had Bank of America for several years and I am vey satisfied with it. It also has online bill pay (free) which saves a lot of stamps and envelopes. You can write checks to just about anyone.
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American green backs,but cashless transactions are more popular and can be done all over , I personally like to hold my money in my hand.\n\nBeing prepared from the get-go helps make things easier. Carrying an ATM card, a credit card, traveller's cheques and American (the most accepted world wide) cash gives you pretty much all the options you need
1102573
None. You need ID to open an account.\n\nAnd now, most banks require two forms of identification, not including your SS card or birth certificate.
11070
Bank of America recently bought Fleet Bank, a large outfit that served the east coast and out in here in New England.  Bank of America has excellent programs for folks with some cash in their accounts. By that I mean there is a difference between the person with a $500 checking account and someone with a brokerage account, home loan and large savings account. From my experience, they have done everything well as far as service, reducing fee's and assistance in loans. Bank of America also has a new program called 'Keep the Change', which is something that other banks will catch on with in the future. Basically if you buy something for $1.19, they take $2.00 from your checking account and place $0.81 into your savings account....Pretty neat stuff...