07-11-2017, 02:14 PM
WRXtranceformed Wrote:Bummer, it definitely gets harder to track finances the more your money is spread around between institutions. I consolidated most everything years ago when Ben became our FA and that helped bring everything together under the BoA/Merrill dashboards. Just FYI, the BoA web platform and app do show debit and credit pending transactions pretty much immediately after they are charged. That is definitely super nice in terms of visibility. Not sure how big of a presence The Bank has out your way but I will give them credit for their personal banking and Merrill's wealth management...they are all on point in terms of technology and service at local bank branches here
We're pretty consolidated...
Well Fargo - checking, savings
BECU - testing out with child(care) checking and savings before leaving WF
Vanguard - 401k, Mutual Funds, Brokerage
Scottrade - stock market play money
I need to move Scottrade into Vanguard and will likely move all WF to BECU, so then I'd only have two.
Banks show available amounts assuming you initiate the transaction on their site (although WF requires you click into the account to see it - I want a snapshot of all). If I schedule a credit card payment on the CC's website, WF won't know there's a multi-thousand dollar transaction pending two weeks from now.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth