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Change in checking again?

July 5th, 2007 at 11:16 pm

The past two days I've gone into Wells Fargo to deposit things (well ok the past two business days) and both times the teller has suggested I talk to a personal banker about changing my checking account to a different package. Right now I've got Custom Management but they want me to switch to Custom Advantage. The only 'advantage' I see is free checks and money orders. Except I hardly write checks, maybe three a month, and I rarely need money orders. It is an interest earning checking account but only when the balance is over $500. I don't know if that's an average daily balance or what.

I would also need to initiate a new auto transfer of $75 from checking to savings. However, that doesn't mean I can't transfer the money back after it processes it.

I think it'd be worth looking into I just don't know when I'm going to have time to do that. Possibly on Saturday but doubtful. Maybe next week when I take my weekly deposit in I can try going early enough to talk to a personal banker. If they can show me that based on my current usage of my account, it would actually earn interest then I might consider switching. If I needed to change how I do things, I'm not so sure it'd be worth it. Right now I pay what needs to be paid as soon as I get paid as opposed to when it's due. So a lot of things get paid early. I'm not sure I'm up for the 'challenge' of paying things almost exactly when they are due just to maintain the $500 balance. Not that I can't do it just I like paying bills only twice a month and forgetting about it the rest of the time y'know?

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