Per account type, so single account is one account type jojnt account t is another account type with $500k FDIC insured. if you add beneficiary it’s another $250k for each beneficiary
虽然说FDIC insured 25万现金，但还是想把钱分散一下。我家的钱本来放在ally bank，我很喜欢ally的网上页面和客服，但今天发现ally bank全美第22大银行，在SVB后面，赶紧把钱转出来。。。 查了下利率比较好的大银行 Capital one saving account 3.8%，CD 11 个月 5% Citi saving account，3.8% 以前有citi的信用卡，感觉他家的网上银行和客服都很烂。我很喜欢chase，但我们这个地区chase不管是checking还是saving，利率都是只有0.01%，无语的很。还有哪个银行靠谱，利率友好，请大家推荐，谢谢！ 喵和喵喵 发表于 2023-03-11 01:31
第一，给自己账号加上配偶，小孩们，父母as beneficiary POD (Payable on death) then your FDIC insurance doubles/tripples immediately even with one bank. 第二，然后好好找其他银行分散现金。因为尽管FDIC安全，不能access现金还是不方便
Joint account 每人25万 Each co-owner of a joint account is insured up to $250,000 for the combined amount of his or her interests in all joint accounts at the same IDI. In determining a co-owner's interest in a joint account, the FDIC assumes each co-owner is an equal owner unless the IDI records clearly indicate otherwise.
第一，给自己账号加上配偶，小孩们，父母as beneficiary POD (Payable on death) then your FDIC insurance doubles/tripples immediately even with one bank. 第二，然后好好找其他银行分散现金。因为尽管FDIC安全，不能access现金还是不方便 yolandos 发表于 2023-03-11 08:32
这个应该是错误信息。 beneficiary 应该不会改变 account category. single account, joint account, IRA etc only 14 different types. per person per account type max 250K for FDIC insurance. 最简单的， 夫妻两个人， 每人一个 single account, 然后一个共同 account, 就是 1m.
这个应该是错误信息。 beneficiary 应该不会改变 account category. single account, joint account, IRA etc only 14 different types. per person per account type max 250K for FDIC insurance. 最简单的， 夫妻两个人， 每人一个 single account, 然后一个共同 account, 就是 1m. gokgs 发表于 2023-03-11 14:14
capital one 没有S S N的beneficiaries 是怎么加进去的？ 网上不允许啊 180801 发表于 2023-03-11 17:35
That was just an example so I would call them? As far as I know the only requirement for a beneficiary is a person's name and that person has to be alive. I haven't personally done capital one but I have added 5 beneficiaries to an Ally no penalty CD at one time to ensure there is enough fdic insurance on a giant CD.
That was just an example so I would call them? As far as I know the only requirement for a beneficiary is a person's name and that person has to be alive. I haven't personally done capital one but I have added 5 beneficiaries to an Ally no penalty CD at one time to ensure there is enough fdic insurance on a giant CD. yolandos 发表于 2023-03-11 19:11
哈哈， i donot think that is true. I do not think the number of beneficiaries has to do with FDIC insruance, 那个人的信息应该是错的 ， 你最好再查一查， 我查了好几遍了。 adding beneficiaries should not change account type.
这个， 怎么可能， 我反正不信。 FDIC insurance 是 per owner per account type. 即使你这个 account type 变了， owner 还是一个。 貌似你可以 开一个 single account without benefitialry 的， 在加上有 benefitialry 的 ， 但也就是 500K, 不管你开了多少个 account. gokgs 发表于 2023-03-11 19:01
yes, but you can add up to 5 or 6 beneficiary for single accounts which can get you to 1.5 MM for individual account (which include checking, savings and cd exclude IRA and brokerage) and add 5 or 6 beneficiary for joint accounts
https://www.ally.com/bank/fdic/#:~:text=Ally%20Bank%20is%20a%20member,what's%20happening%20in%20the%20economy. Add beneficiaries to your accounts. You can increase your FDIC insurance coverage by creating a payable-on-death account (also known as an informal trust, in-trust-for, or Totten Trust account) or titling an account in the name of a formal revocable trust. For these account types, each unique beneficiary adds $250,000 of coverage up to FDIC limits. For example, a payable-on-death account with 1 owner and 5 beneficiaries could be insured up to $1,250,000.
yes, but you can add up to 5 or 6 beneficiary for single accounts which can get you to 1.5 MM for individual account (which include checking, savings and cd exclude IRA and brokerage) and add 5 or 6 beneficiary for joint accounts mewto 发表于 2023-03-11 20:30
https://www.ally.com/bank/fdic/#:~:text=Ally%20Bank%20is%20a%20member,what's%20happening%20in%20the%20economy. Add beneficiaries to your accounts. You can increase your FDIC insurance coverage by creating a payable-on-death account (also known as an informal trust, in-trust-for, or Totten Trust account) or titling an account in the name of a formal revocable trust. For these account types, each unique beneficiary adds $250,000 of coverage up to FDIC limits. For example, a payable-on-death account with 1 owner and 5 beneficiaries could be insured up to $1,250,000. mewto 发表于 2023-03-11 20:31
https://www.ally.com/bank/fdic/#:~:text=Ally%20Bank%20is%20a%20member,what's%20happening%20in%20the%20economy. Add beneficiaries to your accounts. You can increase your FDIC insurance coverage by creating a payable-on-death account (also known as an informal trust, in-trust-for, or Totten Trust account) or titling an account in the name of a formal revocable trust. For these account types, each unique beneficiary adds $250,000 of coverage up to FDIC limits. For example, a payable-on-death account with 1 owner and 5 beneficiaries could be insured up to $1,250,000. mewto 发表于 2023-03-11 20:31
查了下利率比较好的大银行
Capital one saving account 3.8%，CD 11 个月 5% Citi saving account，3.8%
以前有citi的信用卡，感觉他家的网上银行和客服都很烂。我很喜欢chase，但我们这个地区chase不管是checking还是saving，利率都是只有0.01%，无语的很。还有哪个银行靠谱，利率友好，请大家推荐，谢谢！
🔥 最新回帖
https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf
请给个link 找不到啊
我怎么只有0.1% 的利息？是哪种？
锁一年的，也还行
Per account type, so single account is one account type jojnt account t is another account type with $500k FDIC insured. if you add beneficiary it’s another $250k for each beneficiary
🛋️ 沙发板凳
Citi客服太烂了。。坚决不用
查了下，BOA的saving account也是0.01%
Marcus有什麽危险吗？为什麽要转走？
bank of america活期利息4.24% interactive brokers IBKR Pro 活期利息4.07%，还可以炒期货，全球股票
请问Boa 活期账户叫什么名字？
你确定？我怎么记得是0.01%？
我没说他危险，这是我自己给自己的转账 在网上好像也不少这样的事情
boa活期哪里有4.24？
我周四marcus 转出去$125k今天早上首款银行已经clear到账了。
第一，给自己账号加上配偶，小孩们，父母as beneficiary POD (Payable on death) then your FDIC insurance doubles/tripples immediately even with one bank. 第二，然后好好找其他银行分散现金。因为尽管FDIC安全，不能access现金还是不方便
每个账号，不是每人。
etrade 属于 morgan stanley 了， 感觉还好。 哈哈。
你这是哪里的boa?
what? 我也打算从marcus跑路呢。。
mark mark
morgan stanley 是投资银行，资产1T，不如大银行保险
恶霸chase 的资产3.4T, BAC 3.0T，还被限制的wells fargo 都有1.8T
4.24 应该没错， 一年 $4.24 😂😂😂😂
这个应该是错误信息。 beneficiary 应该不会改变 account category. single account, joint account, IRA etc only 14 different types.
per person per account type max 250K for FDIC insurance.
最简单的， 夫妻两个人， 每人一个 single account, 然后一个共同 account, 就是 1m.
信息没错。加了beneficiary后，账户就不是single account了，而是revocable trust account了。加一个保250k，加两个就保500k了，加三个，就保。。。。
现在利息一直在涨，cd不太划算锁死在里面
我还以为只有我一个穷人
这个在哪里可以确定？如国我在Fidelity有多个账号，每个都有N个beneficiary，那我在Fidelity的FDIC或者SIPC保险就多N倍了吗？
这个好
请问是BOA的 SAVING 利息4.24%？
我的钱也在富国 wellfargo, 老牌银行，稳健。
Citi 很好啊。我的信用卡都是 Costco Citi card。每年从 Costco 拿回几百 Cash。
当然现在 Fidelity 也很好，放在 Money Market 也有 4.2%。看到 T-Bill 利息高 也可以随时买些。如果股票大跌，也可以买入股票。现在就等着 SPY 跌到 350 或更低，可以大举买入。
BOA Merrill Preferred Deposit
他说的应该是 100k+刀 的 preferred deposit，确切的说应该是Merrill的
olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf
marcus 就是很麻烦，我输错密码被锁账号，折腾了两个礼拜才重开。 不过转出入过10万刀，倒是很顺利
我用 Marcus觉得还可以，就是利息低了些，现在才 3.75%。 我就把钱全转去 Fidelity了，Money Market 都有 4.2%，又可以 随时随地地等着股市崩溃，找机会买入。
Merrill Lynch Preferred Deposit，需要起始金額10萬以上：https://www.ml.com/solutions/preferred-deposit.html
開戶需要打電話讓financial advisor給你開，網頁說存1000以上和取錢也需要打電話給financial advisor。我看別人說現在網上也可以自己操作取錢了，不知道是不是網頁沒更新
capital one 没有S S N的beneficiaries 是怎么加进去的？ 网上不允许啊
当然不可能靠谱。
这个， 怎么可能， 我反正不信。
FDIC insurance 是 per owner per account type. 即使你这个 account type 变了， owner 还是一个。 貌似你可以 开一个 single account without benefitialry 的， 在加上有 benefitialry 的 ， 但也就是 500K, 不管你开了多少个 account.
That was just an example so I would call them? As far as I know the only requirement for a beneficiary is a person's name and that person has to be alive. I haven't personally done capital one but I have added 5 beneficiaries to an Ally no penalty CD at one time to ensure there is enough fdic insurance on a giant CD.
哈哈， i donot think that is true. I do not think the number of beneficiaries has to do with FDIC insruance, 那个人的信息应该是错的 ， 你最好再查一查， 我查了好几遍了。
adding beneficiaries should not change account type.
经过我的研究， 我宣布你是彻底错的了。 哈哈。
大家都像楼主这样，所有的Regional Bank都得完蛋。FED应该来看看这个thread，就知道周一开盘前应该怎么说。
哪里有citi saving 的3.8%？我怎么找不到？
Citi accelerate saving
别人怎样我不知道反正我没什么金融常识。以为银行存钱在和平年代是很保险的。不求利息吧，至少本金还是能要回来的。 金融圈专业人士来说说怎么避雷。 真金融一线人员有什么好办法。别告诉我丢床底下…
fdic1933 年成立以来 好像没有customer因为bank fail 拿不到fdic insured的deposit.所以只要不超过250k 没有什么好担心的 超过250k 分散一下就可以了
wells fargo 的利率太低，约等于没有
yes, but you can add up to 5 or 6 beneficiary for single accounts which can get you to 1.5 MM for individual account (which include checking, savings and cd exclude IRA and brokerage) and add 5 or 6 beneficiary for joint accounts
如果401k已经在fidelity，超过25万了，那放在money market的钱是不是就不受fdic insured了？
活期不是这个利息
你还是先研究一下吧。
Ally本来活的好好的都得被大家给挤兑了。。。
这个很不靠谱， 没看到别的地方有这么写的。
chasemorgan 摩根大通
按这个算法，不是应该1.5m吗？
all in t bill 怎么样？没有25万上限 T bill 不比cd 风险大啊 利率高 流动性好
看到大家all in Tbill,我现在很怕Tbill会爆
这种account到期后能关掉吗?还是得一直保留?