CUENTA BANCARIA GRATIS en EEUU | Capital One Review / Ailyn - YouTube

Hello welcome to my channel my name is Ailyn welcome if you are here for the first time

I invite you to stay because today we are going to talk about a bank that

you can have here a bank account in the US completely free you do not have

to pay monthly commissions as in the most of other banks so stay

on my path here and of life in the us, that is, I have lived here for so many years, obviously at the

beginning when I first arrived I opened a bank account in the most well-known banks, the most

normal ones that go here, there are many but two the most popular are bank of america and wells

fargo, which are good banks, have a reputation, a few small things there with one of the two a few

years ago on security issues, but they are another story, but they are banks that have been open for decades and are

very generally reliable But one thing that at some point a couple of years ago began

to bother me was that even if I didn't have money, even if it was small and circular, I would charge

the monthly the initial mantle how is it possible that one suddenly has money for

anything and they still charge you the monthly payment that they charge you for having money saved as for

peace I only have cash what sir so with this situation I put as a investigate more

among various good things how to manage money better how to save it as I don't know what investment it

has doubled I found it in the American world with the Americans they are like in those perhaps very much

in their finances that it is more and more obviously if they are from here obviously handle the system better

than one probably then I found a bank called human capital that I say

web to that bank sounds familiar to me because I have seen it does many promotions for credit cards

there are a few that send you a credit card offer to your house so you tombstones

and I always distrust that type of offers that come to you and because of the big ones you have

to distrust, that is, not us, it is collaborating as something di I feel like I usually mistrust

those things but as commissioner of that's why and I say ah but I already know that that's why it will be real it will

be reliable I started to investigate and I saw that web capital in a legitimate bank

is really a real bank In fact, it has a lot of police, and over time, getting to know them and already being

with them for a couple of years, I see that great artists advertise for extraco, so

one thing goes well for the bank, one thing that they have that is very particular is that you don't have commissions for

having open accounts with them here I already have several notes that I want to share with you to

explain very well how all this works and if it is something that helps you, benefits you or not, they already

have that information and you can share it and they know that I am here I share interesting facts

with you, so first of all, this bank does not charge you monthly for having an open account, something that Wells Fargo and

Bank of America do, I remember that I paid 16 dollars a month in Bank of America america and

I think that 12 to 5 the balance or something like that also all depends on how you configure it obviously

that is if you have at least the type of account that you have if you have a monthly minimum

or if you suddenly receive for example how you make your employer transfer you to that

capable account, they do not charge you the commission, there are different things, but at the time I have those accounts

, there are certain things that I could not have due to my situation at the time, so it was not my option,

but it consumed me a lot because I have a limited budget yes then suddenly

I don't have 15 for this 15 for this and they take away 15 for the commission of the anp and the horrible rate

then capital when you buy none of that you can things and having traditional banks is

that they charge you for people generally for each bank account so if you want to have

a savings account to suppose an emergency if you want to open another savings account to buy

a car and that way they will charge you monthly Usually for each of those accounts but I love the one and

they don't charge you anything at all in a bank that is mostly online you can go to the website

you can open bank accounts with credit cards all from their website and once you

have an account with them you can download the application here you go to the application

you can download the application and leave me everything from your cell phone or from your tablet as you wish

they have ATMs everywhere in the city they generally have ATMs in target if inside

from the target you can see an ATM 15 socialist web capital get cash directly with them

you have that they also have one and other stores I don't have as many physical stores and those parts

as the structure they have so as not to have as many expenses as traditional funds

and probably Here comes those who don't charge a commission, that's why they have stores in certain

places, but they aren't like the typical bank store, what is an office, but which are cafeterias

at least here in los angeles there is one in the glendale room which is super nice they have when you

enter a cafeteria and then there are armchairs and there are tables like a starbucks for example or something like that

and nothing and suddenly if you have a doubt about your banking issues you can talk to an advisor

who arrives there portman in that same location in glendale they usually have events such as workshops

on investment finance topics whatever entrepreneurship but if you have a

particular topic you would like to share it surely you can talk to them and for less when I

asked a couple of years ago that I went there they don't charge you for the space and even they gave you

free food and drinks but you had to guarantee a minimum attendance of something like that

like that but without training you have to think about it one thing that this bank has a lot about

is that it is like helping you save there are many people at least what I am here in 20 that I

know He manages in finances who my states is like there are people who like to have as envelopes

or be physically about if they were this is the envelope that of the money that is for the car the sun

is that it is for the vacations the envelope for the expenses of christmas the lot for I don't know what then

all this this capital one concept I've been in digital for a year so you can open up to

30 30 bank accounts completely free with them come and what things is that after going through three

of these hacking you can have the debit package and unlimited women and you can have up to

27 savings accounts and then there you can put together your different digital envelopes the only thing

with savings accounts at least here is that you have to take into account what communicates with

the situation world that we live in this 2021 you are not doing much but in normal times and times

they have up to six times a month to move your account that let's suppose that I have and money and

withdraw and this and the mech nicos love me and it's already happened to me six times they can charge me as a

commission and this is something that is like federal, that is, this is not something of this bank this is something

that all banks have with savings accounts but if you can open 30 free bank accounts

with no monthly fees at all another tip than the store if you are new you have a new social

network the country is suffering if you are about to create credit it is a good option that this bank has is that

it helps you create credits you can apply to a credit card with them and usually for

the test but you have to apply to the simplest one which is capital one platinum no

if I'm not mistaken with this three credit card you can start by giving your credit of 300 dollars and you there

you build your history and little by little you can apply every six months you can request

increases in your line of credit and later if you want to change to another style of

credit card you can also do it at least they have n the one that is simple and the other one they have

is this one called quick silver services as it has a super cool design with this card

you can with each purchase you get points and those points in money can be used in both whether

or not they produce salt to redeem your credit card debt, let's suppose you pay triples, that

is, a car account for 300 dollars with a total of this credit, that generates you, they give you back, not just 3

dollars, for example, and that's how you accumulate and suddenly it's how you you realize if you do this

well you pay with your card and for the rest I have the card like you can have together back

and there is something that recovers money and now a little bit but if if you are the first time you are going

to need a card with them you will not they ask for a security deposit you can at least at

wells fargo they if you are going to take out a credit card for the first time you have never

had a history and nothing they usually ask you for a security deposit for the value you want s of

the credit card so let's suppose that you want 300 dollars of credit you have to put

300 dollars in cash and they don't have it as a guarantee in case you can't pay they

use that money and that usually after I think a year If they already see that you pay the deduction on

time, they will return that money to you and your card is no longer insured to a regular card,

but in capital you do not need to do that, so you can explain online so that they can try them and,

well, little by little, create credit with them. for this particular step I am going to leave you

a reference link below in the description and there you can have all the information and apply to this type

of card I will leave you the two platinum cards which is the simple one so you are going to apply

for the first once or it really applies it is for that but if you already have a credit history and you

would like to have your credit card or you feel and nervous points and want to know more about it I

leave you the information of the quiksilver down here in the description another thing that they have that also

seems super interesting to me it is clear credit is already created here you already have your cards uploaded little by

little your credit score we take into account that the credit assembly starts more or less young

500 580 something like that and the maximum, if I'm not mistaken, is 820, so if you're starting to have layers,

suddenly they can give you those, you've never done any credit, and your tips and layers start at 500

and peak at 600 and peak little by little, you pay and every month everything goes well, whatever goes up

, and it's because 700 arrive, it's like a good number, you can also apply for a car loan,

I'm going to leave here the link to the other video I made earlier on how to buy a car in the

US, but I'll leave you the information on how this whole topic is but at least in particular with

capital wine you can request a loan for a car that I did when I already had a history, that is,

I have probably two and a half years with this bank or something like that I don't remember a little more about whether I

think it took me two and a half or three years I don't remember but already having a history with them I increased

my credit and everything was very nice and I began to see being able to get a car with them and it's much

easier than doing it at the dealership, that is, they have a website that will also leave you

with the link below, that we are going to download all the links so that you can see all this information,

but this is like an application, it is capital one auto navigator, yes the others and there you can do

as a pre-approval that will not affect your credit and you can already donate, that is

, according to your credit, how much you could lend is more or less how much would be the

percentage of interest that is given your credit and everything you do from the phone from the website from

the tablet of the executed wherever you want and there you can start buying prices because really

looking for a car loan can be quite stressful and looking for the car by itself i can be

quite stressful if we are in current times where cars are super clear

then with this application your mind is all your data and if I am approved you can

see approximately how much that can cost you and what I did last year when he uses this

tool that I had my pre-approval and in that there is more or less the percentage and when I went to the

dealership they wanted to give me a higher interest percentage and with the same bank and I

tell them no it is not like that it is not like that because look I have an approval here I want this percentage

or less obviously so nothing with that solved me much better to negotiate a better price

for my vehicle ok about if you worry that they don't have physical stores if they have they don't have

them everywhere as they could have the traditional banks but in case you have a

problem or you don't want to do it and you can call me and they are available every day which

helps and I always need something what I do is call and that's it or I connect in the chat and

more or less there I can also resolve and anyway and not if you want how to try this option and

you don't want to leave another account either it's not that you do what you can do is perhaps have a single

account and have the capital and the other and pay many bank accounts for a single one or you do as if

he configured it so that they do not charge you if you put in monthly money the amount that they

ask you monthly that is another option too but at least let's suppose you need money and the

closest ATM you have is from your bank than wells fargo so you can transfer six from

capital one to wells fargo instantly by seo and download the phosphate ATM however

it puts you in when you have the one from capital one you can see the ATM locator and there you can

see where they are and quality any of those that come out merit and in any target I think they

have an association because in all the targets by m argen los angeles i have seen them so nothing i

hope this guy will help you if you are looking for how to better organize your money how to avoid so many

monthly charges on bank accounts organize your savings accounts if you want to open a new

credit card or start your credit or if you want a car loan here we have all

the links in the description so you can find more information compare with other banks

choose what is most beneficial for you I think there are probably other frameworks

similar to this one but really I have done very well with capital I love it and so

far I have nothing negative to say about them for now because I am their client and I have spent everything half

baby so well I hope that I will be of help to you and remember to share it with someone who

is also looking for this type of information no forget to subscribe because I'm always

making videos of curious things and things that I feel could help you give

a little more and n the life of this country and follow me on social networks at tick tock on instagram

and I also went back to posting online that there are dotcom artists also below I leave all that

in the description so you don't get confused see you in a next video bye