每个银行规矩不同你只能跟你存的银行规矩来做 99%的都要打电话去关 不关时自动续通常有7到10天grace period
在 grace period 内可以关 損失那几天到期后没关的利息。
不能在网上开 CD 的银行在今时今日可以说很少 大概也不想投资发展这个业务。而且真心说一句 落后。
美国人关心财务的很多是 Yield Chaser, 全國范围网上开 CD or High Yield Saving. 还有博客专门有这一个栏目。
順便說一句，我昨天晚上 11:30 剛剛在 Marcus by Goldman Sache 網上開了一張 14 mo CD at 5.4%。 因為國庫券到期，國庫已於 2 月 1 日發錢 to the Marcus High Yield account which is destinated as the receiving bank when I first bought the T Bill 26 weeks ago。 基本上一切都在我的台式电腦上完成，無需去銀行。 此外，Marcus 沒有 實體银行
网上很多银行 Synchrony (以前的GE Capital), Ally, (以前的 General Motor Finance), 都有 4.75%, Marcus, (referral link 开的话 前三个月有额外 1% bonus. Discover 4.5%, AMEX 4.4% 沒有月费 随時取用 subject to the 6 times rule. 当然这些都年利率 Annual Per Annum Yield, APY.
Regulation D is a federal rule regulating how banks and credit unions manage your savings deposits. Until April 24, 2020, the Federal Reserve’s regulation limited the number of withdrawals you could make from a “savings deposit” account, which included both savings accounts and money market accounts.
Regulation D had required savings accounts to be limited to a total of six “convenient transfers and withdrawals” per month. These included:
Automated Clearing House (ACH) payments and electronic funds transfers (EFTs) Bill payments deducted directly from your savings account Debit card transactions Overdraft transfers (where you link your savings account to a checking account as a backup for overdrafts) Transfers made by computer, mobile device or phone Checks written to a third party Wire Transfers
There were two major exceptions to Regulation D:
You could make unlimited withdrawals from an ATM or in person at a bank. (Those transactions were not considered “convenient.”)You could make unlimited withdrawals over the phone—but only if the teller cut you a check by mail. (If the bank processed your request online, it counted against your monthly limit.)
Regulation D required savers to be careful about how many transfers or withdrawals they made. If you went over the monthly limit, your bank could potentially charge you a fee per excess withdrawal, close your savings account or convert it to a checking account.
CD账户的利息都到账了。
我试着在网上开CD账户，发现只能从我的非CD账户里转账。
而我又试着把CD账户里的钱转到其它账户（关闭该CD账户），不行。
当初我是在银行开的CD，那时和昨天我都问过，可否自己在网上开。回答：不行。
昨天我也问过，到期的钱会如何。回答：会自动更新，但你不能拿到最好的利息。
现在我要立刻决定下一步：自己网上开或去银行（今天银行关门早）。
谢谢
在 grace period 内可以关 損失那几天到期后没关的利息。
不能在网上开 CD 的银行在今时今日可以说很少 大概也不想投资发展这个业务。而且真心说一句 落后。
美国人关心财务的很多是 Yield Chaser, 全國范围网上开 CD or High Yield Saving. 还有博客专门有这一个栏目。
順便說一句，我昨天晚上 11:30 剛剛在 Marcus by Goldman Sache 網上開了一張 14 mo CD at 5.4%。 因為國庫券到期，國庫已於 2 月 1 日發錢 to the Marcus High Yield account which is destinated as the receiving bank when I first bought the T Bill 26 weeks ago。 基本上一切都在我的台式电腦上完成，無需去銀行。 此外，Marcus 沒有 實體银行
在投坦的时候，看见过几次有人提现金账户也有挺不错的利息。今天想起这事就问了问，为何我的账户只有那么点儿利息？（不到0.1%。
原来，只需改成signature saving账户即可。对，就是这么简单。
很感谢那几位提供信息的网友，当时没留心是哪几位ID。
Saving account 每个 cycle 只能提款六次 Fed 的规定 叫 Reg D. 你这个银行有沒有告诉你？ Fine print 中一定有 你自己有没有看过？所谓随时可以取用是不能多于六次 多过的话 银行可以选择警告 或者罚款。重犯多次会被关户。 Reg D 的主旨是如果你需要频繁支付的话 你应该用支票户口 叫 Demand Deposit Account, 而不是 Saving Account.
你最好弄请楚上面说的那些东西。
其实在银行的网站应该有这个产品的信息的 你应该可以在上面看到 並不需要跑银行问。不过如果它网上不能开户的话 那就没办法了。
听你的银行经历 这个银行並不很靠谱 很多东西都不主动告诉客户 还不能在网上开各式户口。 很落后。很大可能性是本地小银行。这个即使是 FDIC 我也不想用。
网上很多银行 Synchrony (以前的GE Capital), Ally, (以前的 General Motor Finance), 都有 4.75%, Marcus, (referral link 开的话 前三个月有额外 1% bonus. Discover 4.5%, AMEX 4.4% 沒有月费 随時取用 subject to the 6 times rule.
当然这些都年利率 Annual Per Annum Yield, APY.
我怕麻烦，用信用卡和银行都偏向越少越好。以前认为用银行账号就是为收钱和付款，没觉得为利率值得操心。不过，以前有钱就买房子了，手上也没多少钱。
只有用银行 ATM 或者去银行取钱 和电话银行 cut a check 才沒有限制 ACH, Bill Pay, Debit card, 网银转賬 写支票 这些统共加起來每个 cycle 只能有六次。 你的银行没有告诉你 全部事实．至於你愿意看真正的 FED 规则还是只信你的银行告?你的 Half Truth, 是你的个人选择。
https://www.forbes.com/advisor/banking/savings/regulation-d/
What Is Regulation D?Regulation D is a federal rule regulating how banks and credit unions manage your savings deposits. Until April 24, 2020, the Federal Reserve’s regulation limited the number of withdrawals you could make from a “savings deposit” account, which included both savings accounts and money market accounts.
Regulation D had required savings accounts to be limited to a total of six “convenient transfers and withdrawals” per month. These included:
Automated Clearing House (ACH) payments and electronic funds transfers (EFTs) Bill payments deducted directly from your savings account Debit card transactions Overdraft transfers (where you link your savings account to a checking account as a backup for overdrafts) Transfers made by computer, mobile device or phone Checks written to a third party Wire TransfersThere were two major exceptions to Regulation D:
You could make unlimited withdrawals from an ATM or in person at a bank. (Those transactions were not considered “convenient.”) You could make unlimited withdrawals over the phone—but only if the teller cut you a check by mail. (If the bank processed your request online, it counted against your monthly limit.)Regulation D required savers to be careful about how many transfers or withdrawals they made. If you went over the monthly limit, your bank could potentially charge you a fee per excess withdrawal, close your savings account or convert it to a checking account.