2021 Edition: Best Banking & Financial Products I actually use

Disclaimer: This review is my own opinion. I am in no way affiliated with these companies in any shape or form. Some of the links may contain referrals for which I may be compensated at no cost to you.

1. Chase is my go-to for Credit Cards and daily checking

I’ve banked with Chase for over ten years now and don’t plan on switching anytime soon.

Top Reasons Why I bank with Chase

Excellent credit cards. I keep 3 in rotation.

Chase Sapphire Preferred Great travel + dining credit card

If you sign-up using the link above, you get 80,000 points ($800 cashback) after you $4,000 within the first 3 months. Plus, earn a $50 statement credit towards grocery store purchases.

Also, points are worth 25% more when redeemed for Travel through Chase

Chase Freedom unlimited Excellent for everyday purchases 1.5% cashback on everything

If you sign-up using the link above you earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

Chase Freedom Flex Best for rotating 5% cashback categories, 1% on everything else

If you sign-up using the link above you earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening

  • Real-Time payments. If you pay your credit card from your Chase checking, your checking balance updates real-time and the payment is reflected the next day. It’s pretty annoying when you pay a bill and it takes 3 days to post.
  • Excellent customer service
  • Free Credit Score Monitoring.

    Simplicity is key. Having checking and credit cards all in one location makes it extremely easy to manage and keep track of your finances. Also, to keep it real, if you live in NJ/NY there are Chase branches everywhere. However, post-COVID, I am not sure how much physical branches will matter anymore, if at all.

2. Marcus takes the top spot for Best High Yield Savings

I have had Marcus by Goldman Sachs for a few years now, and I love it. I recently wrote a post about HMBradley, which is also great if you don’t mind jumping through a few hoops, otherwise stick with Marcus.

  • They offer a competitive high yield savings rate.
  • If you make an external transfer, you start earning interest right away
  • Their app and website are straightforward to use.
  • Ability to link multiple (6) accounts real-time using Plaid (great for bank linking for bank account bonuses)
  • They also offer personal loans and investing, although I personally have never used those services.

3. Lemonade is my go to for Renter’s Insurance

Not sure why it’s called Lemonade, but I’ve had renter’s insurance through them for 5 years now. I only have ever used Lemonade.com because I’ve been extremely happy with them.

  • You can insure easily insure valuables, like an engagement ring
  • Easy to add and or amend your policy. Their website makes it very simple.
  • They now offer Term Life Insurance and pet insurance too. When I first signed up, they only provided renters, so I may do a bundle package with them too (they offer a discount for existing customers).

Beware of little expenses. A small leak will sink the great ship


4. TD Ameritrade is my Brokerage account

  • They allow you to link multiple accounts, so you do not need to log in to different accounts. I can view my brokerage + my Roth IRA + my wife’s Roth IRA all within the same login. It makes trading and monitoring very easy.
  • You can link Turbo Tax directly to TD Ameritrade. It makes doing your taxes a breeze.

5. Breeze allows you to purchase Long-Term Disability without calling a Broker

  •  I’m a millennial, and I want to do everything online without talking to someone. Breeze was the only company to offer Long-Term Disability without picking up the phone and calling a broker. Again, their website was easy to use, the process was seamless and straightforward. I have a long-term disability through my employer, but I am considering switching to next year.

6. Ladder is where my wife and I have Term Life Insurance

  • What makes Ladder so special is the ability to increase or decrease your coverage as needed. They call this “Laddering,” and they’re the only ones in the insurance space offering a feature like this. If your circumstances are likely to change, for example, buy a house or start a family, having the flexibility to amend your policy is a huge plus.

7. I use Venmo for P2P payments

  •  There are a few options out there for P2P, but I think Venmo is the most ubiquitous. If you need to pay a friend or colleague, Venmo is the easiest option.

8. Mint has always been my 1-stop-shop for personal finance monitoring

  • I am pretty sure Mint was one of the first in the game when comes to personal finance apps. However, there are competitors like Personal Capital, although I never used their service. I have had Mint since 2012, and honestly, I stopped using it for no particular reason a while back. I recently started using it again and noticed a lot of new features such as networth tracking, budget alerts, subscription tracking, and bill payment tracker.

Final Thoughts

So there ya go, folks. These are all the banking and insurance services I actually use. I did my best to highlight why I like their services. There are probably some good alternatives out there, but this is what works for me, and I like it.

Do you have any of these banking or insurance products? If so, comment below and let us know why you like their services.


The Name Adam
  • Save

Add a Comment

Your email address will not be published. Required fields are marked *

Copy link