Saturday, December 3, 2022


How much of your personal banking do you do online?


For many RVers, especially those who travel full-time, online banking is pretty much the best thing since sliced bread. They can do virtually all their banking from at home or on the road from their computer, tablet or smartphone. About the only thing they can’t do is get “cash back.” But for that there’s almost always an ATM close by.

Most banks and credit unions offer such online banking, even local ones in rural communities.

Okay, time for you to spill the beans. Are you in the Space Age or the Stone Age of banking? Inquiring minds want to know.

Remember, it may take a few moments for the poll to load. So stand by.

Oh, speaking of full-timing, how many readers travel all year long without a traditional home to return to? Is it about a third or more than half? You might be surprised. Here’s where to get the answer.

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2 years ago

How many do it on-line (web)?
How many do it on a cell phone?

How many have a security / encrypted web site or phone line?

How many have had their credit card or banking account hacked?

How long did it take you to get it resolved and were you responsible for any part of it?

How many check their accounts daily, weekly, monthly, never?

How many have 2-method authentication?

How many know someone that has been wiped clean of their accounts?

Montgomery Bonner
2 years ago

An interesting point. Fidelity will allow you to open a checking/cash account, they reimburse for all ATM fees, you can setup auto deposits, payments and transfer money into and out of it for free. It comes with ATM Debit card for those time you need cash at atm. It’ pays interest on the balance, no minimum amount to open one. This account is what I would call a “nationwide account” no matter where you are, you can access it for cash, and do stuff online. THIS IS NOT AN INVESTMENT account. Call Fidelity, and I am not affiliated with them in any fashion. I did have local bank account but it does not follow me when I travel. This one does, no matter where I am. Now a national bank chain also allows this but. Most every National Bank in the last recession (housing crisis) was bailed out by the government. Two financial intuitions did not take government handouts, Fidelity and American Express, both excellent run organizations. I want to deal with financial places who keep their house in order, these two do.
2 years ago

For years I have been banking online. We have accounts in Mexico and the U.S. and both are managed online. Easy to make interbank transfers, third-party deposits, pay bills, check balances, etc. My little brother told me he was waiting for his bank statement to come in the mail to check something. What? Online banking you can check anywhere anytime and our statements arrive via email every month to download and keep on file. There is account insurance for a small fee even for debit card use. I believe my Mexican bank account is more secure than our account in the U.S.

2 years ago

We spend 3 minutes every day checking our bank accounts online for any mis-deeds. Quick and simple, and if there is a problem, we can get immediate results.

Timothy J Detiveaux
2 years ago

100% ever since online banking became available. Never had a problem.

Bob Wilson
2 years ago

Our attorney and financial consultant both say on-line banking is a NO NO! Two of our friends have had their bank accounts hacked, both lost thousands od $$$$$$$$$$$$$. I say only fools on line bank, just saying

Bob Wilson

2 years ago
Reply to  Bob Wilson

Anyone here doubt his attorney and financial consultant, both have online banking?

Ed Fogle
2 years ago

I do almost all of my banking online. Security is number one priority. I never use a wifi network a I’m not absolutely sure of. Even then a virtual private network (VPN) is a must. This encrypts everything between you and the website. I think most if not all financial institutions encrypt everything but this adds a layer of protection. I prefer a paid one over the free ones for privacy concerns. Might even be better to just forgo wifi and use your phone or tablet cellular data for the connection.

You can make deposits and transfers online. I only use my ATM card for cash withdrawals. I avoid using it as a debit card for purchases like the plague, too insecure.

Gene Bjerke
2 years ago
Reply to  Ed Fogle

When on the road I use my cell phone to create a secure hot spot. I would never use any public hot spot for anything involving financial transactions.

2 years ago

To the 5%, all you need to do is set an account and viola, welcome to the digital age, lol!

2 years ago

For any on-line financial transaction, I use a Chromebook. It is dedicated to only financial actions.
Even the cheapest Chromebooks are safer from attack, especially compared to Windows OS. Unless you want to learn Linux.

2 years ago

We do 99.9% of our banking business on line. When we need some cash we opt for cash-back at a store using a Debit Card. We avoid using a Credit (Charge) Card like the plague if we can. The only time going to a bank is needed is when we have a paper check to deposit – and we mail those to the bank when feasible.

2 years ago
Reply to  Hook-n-Haul

Both of my banking institutions that I use, Wells Fargo and a credit union in CA have mobile deposit capability using a mobile app if you have a smart phone. No more having to spend money on stamps.

Bob p
2 years ago
Reply to  Hook-n-Haul

I have received a check when in FL and took a picture of it front and back with my signature and my credit union in TN cashed it and deposited it in my account, they do limit it to $500.

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