I would like to set up accounts in Louisville, KY, that can be accessed for deposits and withdrawals from a New York City bank. What bank can do this?
There are several ways to accomplish this. One way would be to find a bank that has a national presence with branches both in Louisville and in New York City. You could then seamlessly make transactions at either/both locations to the same account.
Another option is to utilize an Internet bank. Internet banks optimize their products and services to allow customers to be able to conduct transactions from any location.
The third alternative is to utilize your current bank, which I gather is in Louisville. Make deposits into it in the usual way. Obtain a debit card for the account that would allow the individual who is the co-owner of the account located in New York to be able to make withdrawals at ATMs and make purchases anywhere the debit card would be accepted. If deposits are to be made from New York to the Louisville bank, they could be made by mail or direct deposit, or perhaps even a deposit-taking ATM. Payments of various types could be set up on auto-debits, so they would come out of the account automatically. The bottom line is that geographic location shouldn't pose too many challenges because of direct deposit, ATM withdrawals, debit card use for payments.
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There are several ways to accomplish this. One way would be to find a bank that has a national presence with branches both in Louisville and in New York City. You could then seamlessly make transactions at either/both locations to the same account.