The setback is that Capital One makes you responsible for the ATM fee from an ATM owner while Charles Schwab refunds every bank ATM fee, even if you are charged by the ATM owner. When getting a checking account, make sure there are no monthly fees because many banks, including Capital One and Charles Schwab, have no monthly fees. This means you avoid those checking account fees, and even if your savings account.

Depending on your bank, the fees can be waived if you get two direct deposits monthly or thereabout. Banks want you to have a recurrent direct deposit for them to continue collecting your money. However, the setback is that banks do not want to make it easy for you to fake a direct deposit.

One of the lucrative bonus accounts is the Capital One 360 checking bonus. You fake a direct deposit to get a bank bonus from the bank. Reasons Why You Should Fake a Direct Depositīelow are two major reasons you want to fake a direct deposit: