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Online Stock Broker accounts


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I currently trade with USAA. I started my brokerage account through them because that is who I have my mutual funds and insurance with.

USAA's online website for the brokerage department is terrible, so I'm shopping for a new company.

Anyone have any favorable or unfavorable experiences with any of the major online brokers:

etrade, Ameritrade, Scottrade, Zecco, etc.

I'm not a major trader and I don't have any more than a few thousand to put in a brokerage account right now.

most of these companies have a lot of fine print writing in their promotions (etrade requires you to make so many trades per quarter to get their advertised $9.99 trades)

any suggestions?

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I used Sharebuilder for awhile, they're not bad at all in terms of price, and they don't require you to do anything in terms of trade minimums.

I looked into Zecco at one point because they advertised free trades. I think you had to have a minimum balance, but they made their money elsewhere, through advertising or whatever. I don't know if they still offer trades for free though.

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I setup with ScotTrade. I've been very pleased with them so far. $7 trades

Also, they have branch offices most places- there is one near me. So if I have to I can always drop in on them. Plus having some brick & mortar locations adds some credibility to them. imo

I don't have much with them though. I mostly buy mutual funds thru Edward Jones.

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I looked into Zecco at one point because they advertised free trades. I think you had to have a minimum balance, but they made their money elsewhere, through advertising or whatever. I don't know if they still offer trades for free though.

Zecco used to have free trading...you had to have a minimum balance of 3,000 in you account. I'm sure they made a lot of money off interest. Now their trades are 4.50 and I think there is more in the fine print.

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I setup with ScotTrade. I've been very pleased with them so far. $7 trades

Also, they have branch offices most places- there is one near me. So if I have to I can always drop in on them. Plus having some brick & mortar locations adds some credibility to them. imo

I don't have much with them though. I mostly buy mutual funds thru Edward Jones.

so you get $7 trades without minimum trades per quarter/month/year? What is the minimum balance required in your account?

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It says $500 for an account ($2000 for margin account)

anyone know what is the difference between the two accounts?

If you just want to trade stocks all you'll need is a $500 min balance to get it open. You can transfer the funds from your checking account and start trading. IIRC it took about 3-4 days for the verifications to complete, etc. before I was actually buying stocks.

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I use etrade mainly b/c I set up a savings account few years back that had no minimums and a fairly high interest rate. I just recently set up a brokerage account. The commission on the trades is a little pricey but then again I'm only investing a small amount and just keeping most of my money in the savings account. It seems like scottrade could be a better option I think I might check them out cause I'm getting hosed on my trades right now.

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I use two:

thinkorswim - mostly for the cheap commissions on stock trading. $.015 per share ($5 minimum) or $9.95 flat fee. Downside: $15 fee per quarter.

Schwab - $12.95, but you can buy Treasuries, bonds, preferred shares, and CDs from other banks.

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I use two:

thinkorswim - mostly for the cheap commissions on stock trading. $.015 per share ($5 minimum) or $9.95 flat fee. Downside: $15 fee per quarter.

Schwab - $12.95, but you can buy Treasuries, bonds, preferred shares, and CDs from other banks.

I go with schwab, you have a lot of options about what you want to purchase, the websites is one of the best ones out there. Plus they have a ton of research tools that can help you make informed decisions. But like Fanboy said, its 12.95 for trades. However, I know when I put money into my Roth IRA the other day, they didn't charge me anything for that. The main reason I joined schawb initially was they had a 4% interest rate on their investor checking account as well as no ATM fees. I think they are down to 1% on the checking account with no fees. Their credit card is nice also 2% back into your brokerage account and no fees, even on international purchases.

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I use scottrade as well. They have a location down the street from me and they haven't harassed me about anything or sold my info to another company (increase in junk mail).

Keep in mind it takes about a 1-1.5 weeks to set up money transfer from a bank account to them using the deposit verification. I don't trust them with my bank password and username.

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It says $500 for an account ($2000 for margin account)

anyone know what is the difference between the two accounts?

From my 8th grade education....

With a margin account they lend you $ for trading so when you buy a stock you're using their cash. If the stock tanks, they demand you put more $$ in your account (your $$ is actually collateral for a loan) or sell some of the stocks.

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