What are the actual features you want?
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I never woke up with a Superhuman shaped hole in my life until I tried it. I don’t know what’s missing, I just know I’m a power user and would welcome spending 90% less time than I do.
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Recently PMC Bank in Mumbai went under because of overexposure to bad loans which has prompted me to ponder this, ie. Why aren’t there banks that just take your money and hold it without doing anything risky or otherwise greedy.
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The term of art is "narrow banks." As to why there are basically no narrow banks: Society wants banks to be in the Goldilocks zone of risk taking, because broad access to credit keeps the economy humming and because credit is a privately funded safety net.
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Collecting checking accounts calls for FBAR-as-a-service for US expats. I wonder how you do it: did you manage to somehow automate the (rather painful) process?
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Via copy/paste and scripting to get the peak balance number from a dump of yearly transactions. Someone could make a nice MicroConf style business out of automating FBARs and just radically reducing data entry. My bank doesn’t change addresses every year, why force me to retype.
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Honestly I’ve been using Schwab checking for years and am quite satisfied with it. What would $30+/month checking account have above and beyond what they offer? (I could see better tooling for budgeting maybe)
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I’d pay $30/mo or much more for a Plaid-like service that just actually ensured syncing between all my accounts didn't break constantly.
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As a Kiwi living in Australia I'm confused by the terminology; what do you mean by a "checking" account? Does it have anything to do with cheques/"checks", or is it what we'd call a transaction account? Transaction accounts seem painless (here)...
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They're called current accounts, checking accounts, 普通貯金, transaction accounts, etc etc. Whatever the thing is in your neck of the woods where a e.g. white collar employee would customarily receive their salary and expect to use as the financial hub of their life.
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