Posts by analogheron75

I was seriously about to go nuclear on Google—I’ve been sitting here for like ten minutes trying to log in, but the page where you're supposed to enter your token data just won't load. It's absolute madness. 😠

Then it finally clicked—they’re doing some massive site-wide facelift, probably messing around with the backend code or something. And of course, they didn't bother to send out a single notification. For a second there, I actually thought I’d been wiped from the system entirely.

Alright, let me head over there now and see what kind of mess they've made of the interface.

Is there any way to set up payments on the Chase app so I can pay using the actual due date listed on the bill, kinda like how it works over at Bank of America?
I’m basically looking to click through all my bills today, but have the money actually leave my account in a week when it's actually due.

Kimberly Lopez65 said:Even if I really wanted to, I just don't see the upside to using Chase over other options, besides:
1. You're getting hit with monthly service fees.
2. You're burning through data—whether it's LTE or 5G, whatever your phone handles—and even if you're barely using any, those tiny increments add up fast if you aren't on an unlimited plan.

And honestly, how many of us are walking around downtown with a folder full of paper bills? Whatever I need to pay, I just need the account info or the number, and I'm not lugging around a stack of mail all day.

Basically, it's a tax on people who value convenience over common sense. The practical benefit is almost zero.

Look, I don't really buy into this whole "tax on idiots" narrative, but hey, maybe I'm just not typical for the average American since I don't obsess over every single dollar I spend—honestly, if I did, I'd probably be a nervous wreck all day. Plus, I'm not putting massive amounts into crypto anyway, so for me, it might actually end up being a decent move.

Look, I think First is alright and all, but their mobile banking was a total nightmare for me because of those stupid TAN cards they used to make you use.
Chase is way better since you don't need anything besides your phone, plus they actually give you way more features to play with.

Ronald Allen said:Thanks!

Look, I’m telling you, just give it a shot—it’s not like you’re going to go broke trying it out—and if it turns out to be a total waste of time after a month, then you can tell me it isn't practical. 🧐

I’ve already passed this along to a bunch of my buddies—some of them were a little stingy when it came to the setup costs, but once everything was up and running, they were all stoked with how it turned out. 👋

Kimberly Lopez65 said:Convenient?
I don't know about that. To me, it isn't practical at all having to carry physical bills around just so I can pay them through an app. 🙂 Besides, I always have my laptop nearby, usually hooked up to a hotspot, so I can access my online banking pretty much anywhere. I’m sure the mobile app is a solid tool, but for me—and I suspect for most people too—it feels redundant alongside the web portal. Like I said, if you want to pay a bill through the app, you basically still need to have the actual bill on you. And when it comes to tracking my balance (knowing what I’ve spent, when my credit card statements are due, and roughly how much cash I have left, +/- $33?), I prefer the desktop view.
So, I don't see any real-world advantage to using the mobile app daily, other than paying the bank fees they charge just to use it. 🙂

Personally, I feel ripped off when I'm forced into a flat fee for something I don't use, or barely use (like insurance, or in this case, a mobile banking fee if they were to charge one...).

But hey, to each their own. My philosophy is simple: if I’m not using it or consuming it, why should I be paying for the "potential" to use it?

I don't know if I'm coming out ahead with the Chase bundle or not, but I can tell you one thing: I sleep way better knowing I've got my car, home, and travel insurance all squared away without having to give it a second thought. ☕
I don't obsess over grocery store discounts either, but it's a nice little win seeing the total drop by a few bucks just because I swiped my card.
And those 15 free transactions? Man, I don't even need more than that in a month since they cover all my utility bills... Honestly, as soon as I get my hands on them, I just log in, schedule the payments for whenever it's convenient, and call it a day.
The mobile app is just part of the Chase package deal. To be honest, my banker basically talked me into it, even though I tried telling her I didn't need it since online banking is plenty for me. I used to be with Commercial and Wells Fargo and Erste, and I was pretty disappointed with both the mobile pay features and Erste's mobile banking. But, I finally gave in and set it up, and the Chase app is definitely worth it. Actually, I can't even remember the last time I had to grab a security token and log into the desktop site, because I'm on the app almost every single day—all I need is my phone.
To wrap it up, I've been a customer at Raiffeisen, Commercial, Postal, and Erste, and while all these banks feel pretty much the same, it seems to me like Chase gives you the most bang for your buck. Especially with these Chase bundles.👍

Look, if you want to skip the hassle, just set up your direct deposit to go straight from your SC account into your checking. If you do that, they’ll automatically approve an overdraft limit for you—it happens almost immediately, usually right after that first paycheck hits. But if you try to do it manually—which they’re gonna make you do if your money isn't landing directly in your checking account—they're definitely going to hit you with fees. Going the automatic route is totally free.

Btw, when you grab that Student flyer, you get access to the mobile banking app too. And honestly? It’s killer. You can handle pretty much everything right from your phone.