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Old 04-16-2012, 12:56 PM   #22
no-engine
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Join Date: Jul 2008
Location: West side Winnipesaukee, Lakes Region
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For years, I've paid a supplier by c/c, and reaped the benefits of miles/points.

I had a BoA card & checking account, with a direct deposit, so no annual fees; I received a $75.00 credit for having a DD. I read all the publicity about their debit card fees; they answered my emailed questions in very lame manner.
I opened a USAA and changed my direct deposit, an d canceled all my BoA. Never a regret. Nearest bank is 40 miles, so it was never my primary.

I also have sold unused equipment on eBay, so had a PayPal account, and recently a debit card, which gives 1% back for most purchases. Easy to transfer funds from bank to PayPal, so I can use the card. Debit card with USAA is great. I do get points/miles on a Chase/Continental now United, and have redeemed for free flights over many winters.

There is a website that compares benefits of cards.
I suggest not starting new account with BoA. I just opened a Navy Federal CU account as was suggested earlier. We shall see.
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