tag:blogger.com,1999:blog-1702158064458024124.post-47521272310113803522007-09-25T02:19:00.000-07:002007-11-09T02:25:07.935-08:00After much research and varied experiences I will recommened Fidelity Smart Cash as my choice for the checking account and Fidelity FIA Visa Signature for the credit card.<br /><br />Fideliy SmartCash has following benefits<br />* free bill pay, ACH and no minimum balance<br />* free ATM access from ANY ATM in the world (with a VISA, STAR or PLUS logo). All ATM charges are reimbursed same day<br />* free checks and deposit slips for life.<br />* very good interest rates on the cash in this account (currently about 3.5% APY)<br />* you can also maintain your brokerage, 401k, IRA, 529 etc with fidelity at very good rates so they are a one stop shop for all your US money<br />* very good phone customer support when you need it<br /><br />Fidelity FIA Visa Signature card is useful as<br />* they give 1.5% cash back (deposited to your retirement or brokerage account automatically) on ALL your transactions.<br />* all benefits of Visa Signature and free cards for additional members<br /><br />Please remember:<br />* visa will charge you 1% for any inter-currency transaction (e.g. when you are in India and are withdrawing dollars from your US account). this is true everytime you do an inter-currency transaction (even if its a wire transaction or anything else) - most banks just hide this information in their exchange rates. Fidelity just makes that information public.Tarun Upadhyayhttp://www.blogger.com/profile/12579713795836636167noreply@blogger.com