The savings to checking transfers can be a pain and require planning ahead, which is not always possible. I set up 2 checking accounts with BECU so that I can do unlimited instant transfers without penalties. The one I call the Storehouse, and the other is called Billpay. Once money is transferred from the SH account to BP account, I leave it there until whatever institution withdraws the funds. This is especially helpful if using paper checks or transactions that have a delay. BP monies are allocated funds, while SH money is what I really have to spend or transfer to savings. BECU offers the best interest on the first checking and savings accounts(up to $500). This system will work even if you can't qualify for an overdraft line of credit. I also like being able to transfer funds easily to my sons' accounts while in college. I only wish there was a memo field availabll for transfers.
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