Safe Federal Credit Union Direct Deposit: Fill & Download for Free

First of all, 99% of jobs in any intelligence agency aren't secret. People and banks can know you work for the CIA, NSA, etc.Second, if you do get hired by the CIA, they have an excellent credit union, as posted on there website:Credit UnionThe Credit Union is a full-service financial institution with six branches and a 24-hour PC banking program. Membership entitles employees and their families to excellent service, competitive rates, and a full range of services including:Free checking, with no minimum balance, no monthly or per item fees, and interest paid on any balanceATM access to Credit Union, HONOR/Star, and Cirrus Network ATMsFree online banking with bill payer to make transfers, pay bills, view cancelled checks, verify account histories, and more, any time of day or nightFree direct deposit of your paycheck and payroll deduction optionsConvenience services such as check cashing privileges, bank-by phone service, safe deposit boxes, traveler’s cheques, US Savings bonds, and moreCompetitive rates on savings products and loansMortgage and Equity LoansFree Auto Locating ServiceDeposits are federally insured by the National Credit Union Association

7 Best Banks and Credit Unions for Mobile BankingAMBER MURAKAMI-FESTERJan. 23, 2019Banking, Banks & Credit Unions[At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.Mobile banking can give you access to financial services anytime you want them. With banking apps — or a bank website — on your phone or tablet, you can complete many common tasks, including checking your account balance, finding nearby ATMs and depositing a check by snapping a photo.Here are banks and credit unions with the best mobile banking experiences. To compare a wider range of banks, see our roundup of best banks and credit unions.+ See a summary of our best banks and credit unions for mobile bankingSimpleBEST MOBILE-FOCUSED BANK (TIE)LEARN MOREat Simple,Deposits are FDIC InsuredSimple gets good user reviews for its Android and iOS apps, which let you track expenses and set money goals. Although it currently offers only a checking account, that account comes with perks, including ways to set up savings goals. And it’s fee-free. It also has a Safe-to-Spend feature that lets you know how much you have left after taking into account your goals, bill payments and scheduled future transactions. That’s a step up from the usual “available balance” provided by other bank apps.» Ready to make a change? Here’s how to switch banksChimeBEST MOBILE-FOCUSED BANK (TIE)LEARN MOREat Chime,Member, FDICChime is a mobile-only bank, so it makes sense that it would have good reviews for its iOS and Android apps. It keeps customers informed with balance updates and real-time spending alerts, and it rounds up each transaction and deposits the difference in your savings account. Your money won’t earn much interest there, but you won’t pay any fees with Chime, either. The bank doesn’t charge overdraft or monthly service fees, and nor are there foreign transaction fees.DiscoverBEST ONLINE BANK (TIE)LEARN MOREat Discover Bank,Member, FDICWith only one branch, Discover is primarily an online bank. It has an attractive reward checking account with no monthly fees and cashback on debit card purchases. It's Android and iOS banking apps are also strong. They offer standard mobile banking services, such as bill pay, money transfer, and mobile check deposit, and earn high ratings in app stores. The mobile banking apps also give Discover credit card customers the ability to freeze and unfreeze their accounts if their card is misplaced. As a customer, you can use the app to notify Discover when you travel to make sure there are no hiccups with card use.Charles SchwabBEST ONLINE BANK (TIE)READ REVIEWSchwab is primarily known as a brokerage, but it’s also a low-fee bank with perks for international travelers, including unlimited ATM reimbursements. Its highly-rated apps support mobile check deposit and bill pay. You can also use the app to open a new brokerage or bank account, and it can let you monitor all your accounts in one place.ChaseBEST BIG BANK (TIE)LEARN MOREat Chase,Member, FDICChase’s mobile app offers all the essentials: mobile check deposit, a branch and ATM locator and bill pay.Chase gets consistently high reviews on both iOS and Android platforms and has branch and ATM coverage in nearly 30 states and Washington, D.C.Capital OneBEST BIG BANK (TIE)READ REVIEWCapital One isn’t just home to highly rated checking and savings accounts that earn interest — it has a robust mobile banking platform, too. The app has all the standard functions of mobile banking, like mobile check deposit, bill pay and the ability to send money to other people in the U.S. It also adds a layer of security with Touch ID or SureSwipe, a custom pattern that you draw with your finger when signing in to the app. Both iOS and Android users give Capital One high star ratings.Alliant Credit UnionBEST CREDIT UNIONLEARN MOREat Alliant Credit Union,Federally insured by the NCUAAlliant’s app checks all the usual boxes: ATM locator, transaction history, bill payments and balances on demand. But its mobile deposit and money management tools are especially member-friendly. There’s an unusually high daily limit of $50,000 for depositing checks through the app. And the charts and graphs in the money management tool let users analyze their spending habits and keep tabs on budget categories.7 best banks and credit unions for mobile bankingBankNotable characteristicsLEARN MOREat Simple,Deposits are FDIC InsuredSavings and budgeting toolsLEARN MOREat Chime,Member, FDICAutomatic and roundup savings optionsLEARN MOREat Discover Bank,Member, FDICHigh ratings and rewards perksREAD REVIEWUnlimited ATM reimbursements worldwideLEARN MOREat Chase,Member, FDICWide branch accessREAD REVIEWHigh APYs and advanced mobile app securityLEARN MOREat Alliant Credit Union,Federally insured by the NCUAHigh APYs and the high daily limit for depositing checksMETHODOLOGYWe took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.Financial institutions surveyed include Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, America First Credit Union, American Express, Aspiration, Associated Bank, Axos Bank, Bank5 Connect, Bank7, Bank of America, Bank of the West, Barclays, BB&T, BBVA, Boeing Employees Credit Union, BMO Harris, Capital One 360, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens Access, Citizens Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, E-Trade, Fidelity, Fifth Third Bank, First National Bank, First Tech Federal Credit Union, GoBank, Golden 1 Credit Union, GS Bank, HSBC Bank USA, Huntington Bank, KeyBank, MetaBank, M&T Bank, Moven, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Radius Bank, Redneck Bank, Regions Bank, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, Simple, State Employees’ Credit Union of North Carolina, State Farm Bank, Suncoast Credit Union, SunTrust Bank, Synchrony Bank, TCF Bank, TD Bank, TIAA Bank, Union Bank, UFB Direct, USAA, U.S. Bank, Varo, Wells Fargo, and Zions Bank.]

Banks hold cash for their customers in savings or checking accounts. The two are distinguished from each other by the number of transactions in a month, with a checking account expected to have more transactions for individual purchases. Banks offer certificates of deposit, which are investments for a specific time period (12 months up to 60 months) with a stated interest rate, and there is no risk to the principal. Banks offer loans, short term like an auto loan (automobile secures the loan) and long term (home mortgage, up to 30 year term, where the house secures the loan). Sometimes a bank will offer an unsecured loan.Banks offer credit cards, in association with a major processing company like Visa or MasterCard.Customers benefit from the security of their funds in the bank and from interest paid on the amount deposited. Banks benefit from the higher interest rate charged for secured and unsecured loans, the basis of a bank’s profitability. Banks invest deposits in safe investments, as well.Savings and loan are a type of bank that used to put that phrase prominently in their name. Those banks focussed on being the source for home mortgages. There was a scandal in the 1980s around savings and loans. I believe this type of bank still exists in the US but dropped the phrase from their name. Their function may be replaced by mortgage brokers, but I have not kept up on that situation.Some banks focus on serving the very wealthy, not wanting customers of regular incomes.A subset of financial institutions are called credit unions, usually begun with ties to people with a job at one large employer. The credit unions grant secured loans at lower interest rates than banks, because the loan payment is taken automatically from the customer’s account, resulting in a low rate of defaulting on the loan. The customer deposits their paycheck to the credit union as well. Credit unions are privately held and do not “go public” by selling shares; the financial goal of the credit union is not to benefit shareholders but to serve financial needs of their customers.This practice began long before present-day electronic banking, and was based on the link between employees, the employer, and the credit union. Paychecks were deposited by the employer into the credit union accounts with the permission of the customer, using the mail or other direct connection between employer and credit union. The credit union encouraged savings by their customers with Christmas accounts (regular deposits into an account, gaining interest, which funds are expected to be used for Christmastime purchases) and other easy ways to save. The credit union limits its financial services, and remains solvent on account of their customers having jobs with regular income, and the low loan default rates. Interest on savings accounts were higher than at a large bank because of the focus on everyday transactions. Credit unions offer Certificates of Deposit as well. As electronic transfer of money increased, credit unions could broaden their customer base, still within their basic rules of operation.In the US, cash held by a bank or credit union is guaranteed by a federal group, up to a stated limit (presently $250,000 per customer). The FDIC was a creation by the Congress during the Depression era, when so many banks failed (one third across the nation), losing all the money held by them for their customers. FDIC (Federal Deposit Insurance Corporation) was essential in getting people to trust banks with their money. Banks still fail, and FDIC steps in to protect customers who have deposits in savings accounts. Banks pay to support the FDIC. There is a similar group for credit unions, the National Credit Union Administration.https://en.m.wikipedia.org/wiki/Federal_Deposit_Insurance_Corporation