<p>socaldad: We opted not to open a PNC account at UD. There are no branches around here (at home) and it seemed that the transfers to her account wouldn’t be so fast (if I remember correctly).</p>
<p>We use Chase, as you do, and I opened a new account for her. She mostly uses her debit card for purchases (within her allotted budget) - she gets a text when her balance goes below a predetermined amount so no overdraws. Whe needs cash, she can get cash back at Happy Harry’s (I think they are now Walgreen’s on Main St.) when she makes a purchase (and she always seems to need things from there).</p>
<p>Online transfers are fast, as you know, within Chase. </p>
<p>She has had absolutely no complaints with this system.</p>