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Comment by Tempest1981 | Hacker News Reader

Tempest1981

So what's the least-evil bank that has a network of cash machines everywhere? (Yes, still need cash for certain things)

Edit: also with a non-buggy mobile app? My credit union has the worst app. They don't seem capable of improving it... probably outsourced.

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Capital One has no-charge partner ATM's everywhere (7/11, CVS, gas stations, there's like 100 in a 10-mile radius of me), some of the best interest rates (currently 3.3%), some of the best credit cards (3% cash back food/entertainment w/ 0$ annual), and best software tech / mobile app (#1 bank app on iOS, 4.9/5 rating). I'm not affiliated in anyway, I just am pleased with all their products for the last 10 years.

Sounds good. I see a location in SF called "Capital One Café", with Peet's coffee. Are there bankers there? Or just baristas?

I haven't been to it, but I'm pretty sure those have Capital One representatives to help with things.

Charles Schwab will refund your ATM fees from any ATM.

So will First Republic. So will TD Bank. Many Credit unions do the same.

Schwab for everything only problem is that sometimes I need cash and don't want a bunch of 20s

Find another bank's ATM that spits out a choice of 20/50/100s

You could use a credit union.

Bank of America. That is if you have 20k+ of funds with them to get their preferred rewards. https://promotions.bankofamerica.com/preferredrewards/en

https://abcnews.go.com/blogs/politics/2011/11/feds-bank-of-a...

I'd hardly call BofA a good group.

What about Discover? It's my main bank account. Only for checking (and a credit card I guess) so I can't speak as to their other banking services.

Their app is decent and works (so far) on a rooted LineageOS device.

Many small local banks will refund ATM fees nationwide. I prefer small banks because it is much more possible to build a relationship with them to get better service.

For cash Schwab is the best, they refund all ATM fees worldwide. There is no catch, except you have to open a brokerage account, but there is no minimum deposit.

Credit Unions

USAA

Can non-US-military join? I thought not.

For many years USAA banking was open to everyone, but it isn't now.

I'm not sure how great a loss it is-- USAA's formerly amazing quality of service has declined dramatically in the last two years, at least on the banking side.

Do you have ancestors that served?

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