I opened a checking account with Wachovia. They offer free checking, they have branches near us, and even ATMs on the way to my work.
Because I did it online, it’s in my name, but Mr. Micah and I are going to our branch on Saturday morning to add him as an equal user. We’ll want both of our names on the checks and such.
Then, on Tuesday, I’m going to fax this info to my temping company and have them change my direct deposit info ASAP (I plan to keep the old checking account open at least through this month). If he gets smoothly on the account, Mr. Micah will probably do the same.
Once we have debit cards, we can transfer most of our old checking accounts into this new one. (I plan to close my old one since it charges a fee…if I want my own, I’ll do it through Wachovia) Leave some in there to cover any purchases which haven’t processed yet. I’ll double check outstanding checks as well. There should only be the rent one and it’ll process by the end of the month. I guess we’ll transfer our savings into the Wachovia checking account as well to set up for the next step.
After we get this sorted out, we’ll open a linked savings account with ING. They don’t have the highest interest, but they’re easier to use. I’m not looking for high interest in my savings, just enough to beat average inflation. I’ll use CDs and money markets for higher-interest stuff. My old savings was at .20%. Eeesh. 4.3% looks like heaven.
So it’s only the 5th and I’m already on my way to finishing a goal for the month. A lot is still just outlined steps, but I like to know where I’m going. Fortunately, I only have one automatic billing. I’ll leave enough in my account to cover it for this month and then call them with my new account info after the 13th, when they charge me.