u/antoniodiavolo

I was watching the new(ish) Death of Superman movie and I was reminded of a really dumb argument I had with my friends in 4th grade.

For some background, at some point I got the reputation among my friend group as "The guy who is always wrong about everything" even though I pretty much never was. I tried to tell them about black holes once and they didn't believe that they existed for several months until they saw a documentary about space. I asked why they didn't believe me and they said they just assumed that I saw it in a cartoon. Another time I mentioned that Dumbledore's first name was "Albus" and they said that must be wrong too because "Albus" isn't a real name.

Anyway, we were talking about Superman being invincible and I mentioned that he did, in fact, die at one point in the comics. They asked how Superman could die and I said he was killed by a character named Doomsday. Because I was the guy who was always wrong, my friends insisted that I must be misremembering it and that Superman died on D-Day in WWII and not from Doomsday. Their reasoning was that Doomsday is a day and not a name for a character.

Anyway, just wanted to share this stupid memory that I remembered while watching the Death of Superman

I was considering switching to E*Trade for my main checking account since they have a lot of benefits. One thing I noticed that they and many other banks offer is “ATM fee reimbursement”.

I assumed this applied to withdrawing money from out of network atms.

However, sometimes at a bar, casino, or some kind of event like a Ren Faire, they will have a generic atm that charges a flat fee for any transaction.

I rarely withdraw cash anyway so it doesn’t really matter but I was just wondering if the “ATM fee reimbursement” also applies to these types of ATM

For some context, I’m 26.

When I turned 18, I got a job and opened up a bank account at Bank of America. I picked BofA because it was close to my house and I didn’t really think it mattered.

It seems like there’s a wide range of opinions on BofA but that the general consensus is that they’re fine. Not terrible but also not great.

Around that time, I also got my first credit card at BofA. This is my oldest card of the two credit cards I have.

My current set up is
- A checking account and credit card with BofA
- HYSA, Personal Brokerage, and Roth IRA accounts with E*Trade.
- An Amazon credit card with Chase
- A 401k at Paychex.

Most of my money is invested via the Brokerage and Roth IRA. I recently closed my BofA savings account and moved the money to an E*Trade HYSA because the rates on BofA’s savings accounts and the CD options were kinda pitiful. The APY on E*Trade’s HYSA is 3.35% which isn’t the best out there but it’s not bad and I already had accounts with them. But I didn’t want to close my BofA account entirely because of my credit card and because that’s where my checks are direct deposited to. I know I can change that, I just didn’t want to go through the trouble at the time without knowing exactly where I wanted to move my money.

The credit card gives me unlimited 1.5% cash back on all purchases. I use it all the time and usually get like $30-$40 a month, which isn’t bad since that pretty much covers my various subscriptions. But I was looking at their other credit cards and it seems like you get the most out of them if you’re also investing with BofA/Merrill.

I read somewhere that you need $100k+ at BofA/Merrill to get some of the good credit card benefits and I do have $100k in assets but that would mean moving my entire portfolio over from E*Trade. And I’m not sure what the advantages or disadvantages of that would be. I like E*Trade but that’s just because it’s what I’ve been using.

My card doesn’t have a fee but my checking account charges $12 a month if you have a balance under $1.5k or if you don’t have a $250+ monthly direct deposit. I’m not really attached to the checking account since there don’t seem to be any perks to it so if it would be beneficial to move that elsewhere, I wouldnt mind doing that.

I do like being able to deposit cash though. I do magic as a side hustle and frequently get paid/tipped in cash.

I’m mostly trying to make sure im getting the most out of my credit card(s) and not have too many accounts open at different banks, just for my own sanity.

I posted this in another subreddit and they suggested I ask here.

Should I just stick with my current setup? Are there any cards or offers I should look into?

Thank you.

For some context, I’m 26.

When I turned 18, I got a job and opened up a bank account at Bank of America. I picked BofA because it was close to my house and I didn’t really think it mattered.

It seems like there’s a wide range of opinions on BofA but that the general consensus is that they’re fine. Not terrible but also not great.

Around that time, I also got my first credit card at BofA. This is my oldest card of the two credit cards I have.

My current set up is
- A checking account and credit card with BofA
- HYSA, Personal Brokerage, and Roth IRA accounts with E*Trade.
- An Amazon credit card with Chase
- A 401k at Paychex.

I moved most of my money to E*Trade recently because the rates on BofA’s CDs and savings accounts were kinda pitiful. E*Trade’s HYSA is 3.35% which isn’t the best out there but it’s not bad and I already had accounts with them. But I didn’t want to close my BofA account entirely because of that credit card and because that’s where my checks are direct deposited to. I know I can change that, I just didn’t want to go through the trouble at the time without knowing exactly where I wanted to move my money.

The credit card gives me unlimited 1.5% cash back on all purchases, which isn’t bad. I usually get like $30-$40 a month. But I was looking at their other credit cards and it seems like you get the most out of them if you’re also investing with BofA/Merrill.

So I’m kind of trying to figure out what to do here to sort of make sure I’m making the most of my credit cards, APY, investments, etc.

I’m mostly trying to:
- Ideally not move my money/investments around too much
- Make sure im getting the most out of my credit card(s)
- Not have my money spread across like a dozen accounts. My grandpa died a few years ago and he had accounts with significant amounts of money in them at like 20 different banks. I’m only being slightly hyperbolic.

Should I just stick with my current setup? Are there any cards or offers I should look into?

Thank you