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Advice - Switching Bank, MMA Account

 
 
Reply Mon 6 Jan, 2020 07:06 am
I have been living in the US for a while, in Los Angeles. I have a MMA account (and checking) with Capital One.
I have been happy with it for a few years, but now I would like to switch bank.
The APY went from 2% to 1.5% (they have a new account that offers 1.7%) and I cannot use their app in order to deposit a check, support was very, very bad, unhelpful.
So I am looking for a new bank, offering Checking and MMA accounts, with debit card and checkbook for the Checking account. But also online app, the possibility to transfer funds from one account to the other online, the ability to deposit check online AND to deposit a check physically somewhere (Capital One allows to deposit checks at some ATMs). No outrageous fees, around 2% APY on the MMA account would be great.
I did a little research, I have to say that I am not from the US, so everything is a bit confusing.
I found these banks: UFB Direct, BMO Harris, Pacific National Bank, Memory Bank and SunEastCredit Union (2.2% APY but only for 13 months),
Do you have experience with any of these banks?
Will they work for me/my criterias?
I do not need a physical bank, never had the need with Capital One (only for check deposit when the app did not allow me to deposit checks online, I used ATMs at Target for that).

Any help will be really appreciated, English is not my native language.
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Type: Question • Score: 0 • Views: 175 • Replies: 4
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chai2
 
  1  
Reply Mon 6 Jan, 2020 08:19 am
@BillySmall,
https://www.capitalone.com/olb-sites/rdc-demo/
BillySmall
 
  1  
Reply Mon 6 Jan, 2020 08:46 am
@chai2,
I think there is a misunderstanding.
I know how mobile deposit works.
I am looking to switch bank, any advice?
0 Replies
 
chai2
 
  1  
Reply Mon 6 Jan, 2020 03:09 pm
@BillySmall,
BillySmall wrote:

I cannot use their app in order to deposit a check



https://www.capitalone.com/olb-sites/rdc-demo/
BillySmall
 
  1  
Reply Mon 6 Jan, 2020 05:41 pm
@chai2,
My bad I was not clear.
I used their app for several years, mostly to deposit checks and to check my balance.
Now the APY on the MMA account went down, this is the main reason for me to switch.
Also I cannot deposit a check anymore I have been using an ATM for that.
Almost 2 years ago the app stopped working, but it was on me, my tablet was too old.
I bought a new one, it worked well. My version of Android is the last one.
But it stopped working 6 months ago, I cannot deposit checks, the app crash when I try to take a picture of it.
I contacted support, was told to not worry, their best tech guys were working on it, just 10 days max, they knew the glitch.
6 month later no fix.
Of course I reinstalled... Everything.

So, please could you give me an advice on switching bank?
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