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scottjm's Content
There have been 51 items by scottjm (Search limited from 27-September 23)
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#17974 Is better login security worth spent time?
Posted by scottjm on 19 October 2005 - 08:03 PM in General
#18039 Is better login security worth spent time?
Posted by scottjm on 24 October 2005 - 10:47 AM in General
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#17993 Is better login security worth spent time?
Posted by scottjm on 21 October 2005 - 02:30 PM in General
Found there is protection for us under Federal Regulation E.
Below shows some of it points:
What's covered
Any transfer initiated through an "electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an account." These include point-of-sale transfers, automated teller machine transfers, direct deposits or withdrawals of funds, transfers initiated by telephone, and transfers resulting from debit card transactions, whether or not initiated through an electronic terminal
Consumer liability
When a debit card or other "acccess device" is lost, such as an online banking password, consumer liability is capped at $50 for those who notify banks within two business days. Consumers who notify the bank within 60 days have their liability capped at $500. After 60 days, if the consumer doesn't inform the bank, any charges which occur become the consumers' responsibility. If no access device is lost, and fraudulent charges mysteriously appear on a consumer's account, the liability clock begins when the bank notifies its customer of the activity, usually through regular monthly statements.
#8942 ING Direct fires its customers
Posted by scottjm on 06 October 2005 - 10:03 PM in Online banks
#8941 ING Direct fires its customers
Posted by scottjm on 06 October 2005 - 10:01 PM in Online banks
#8963 ING Direct fires its customers
Posted by scottjm on 08 October 2005 - 11:11 AM in Online banks
#8951 ING Direct fires its customers
Posted by scottjm on 07 October 2005 - 10:44 AM in Online banks
Discipline through limits
The discipline derives from a cap. By law, you are allowed to make no more than six withdrawals and transfers per month if the transactions are overdraft protection transfers, automatic bill deductions, wire transfers, telephone transfers and PC banking transfers. However, money market account holders are usually allowed to make unlimited free deposits and withdrawals from ATMs in their network.
Money market account holders are allowed to write up to three checks per month. If the owner exceeds the allotment, a bank often will charge between $5 and $15 per check. Repeat offenders may have their accounts closed.
#18343 Indus American Bank
Posted by scottjm on 24 December 2005 - 12:10 PM in New Jersey
"I was sweet talked into opening an account at this bank by one of their employees at the local eatery"
#18311 Indus American Bank
Posted by scottjm on 15 December 2005 - 11:04 PM in New Jersey
History:
Nov 2004: Indus American Bank founded in New Jersey by Deepak Khanna & Meenu Khanna, Sharad & Lalita Wagle, Anil & Kumud Bansal, Pankaj & Sheetal Kapur, Amita Desai & Tom Birch, Umesh & Sonia Gidwani, Baleshwar & Ina Khanna, Andrew & Valerie Krieger
Dec 2004: Kevin Lenihan joins as the President and CEO of Indus American Bank
Aug 2005: Stock offering of $11.5 million
Nov 2005: Raised $12.5 million in Private Placement Offering
Dec 2005: Received Final Charter approval from State of New Jersey Dec. Received Final FDIC approval
Dec 2005: Opened the doors for business
#8606 Feedback about ING Direct
Posted by scottjm on 23 August 2005 - 09:58 PM in Online banks
#17946 EmigrantDirect 4%, Any Bonus???
Posted by scottjm on 18 October 2005 - 10:07 AM in Online banks
#17928 Comments on ING's new 'Video Game' log-in process?
Posted by scottjm on 16 October 2005 - 12:12 PM in Online banks
#17947 Comments on ING's new 'Video Game' log-in process?
Posted by scottjm on 18 October 2005 - 01:03 PM in Online banks
Regulators tell banks to fortify Internet security
By Associated Press | October 18, 2005
Federal regulators will require banks to strengthen security for Internet customers through authentication that goes beyond mere user names and passwords, which have become too easy for criminals to exploit.
Bank websites are expected to adopt some form of ''two-factor" authentication by the end of 2006, regulators with the Federal Financial Institutions Examination Council said in a letter to banks last week.
In two-factor authentication, customers must confirm their identities not only through something they know, like a PIN or password, but also with something they physically have, like a hardware token with numeric access codes that change every minute.
Other types of two-factor authentication include costlier hardware involving biometrics or ''smart" cards that would be inserted into designated readers on a user's computer. Banks might also issue one-time passwords on scratch-off cards or require ''secret questions" about a customer's account.
#8477 Best rate for over 50k deposit w/FDIC
Posted by scottjm on 05 August 2005 - 12:33 PM in Bank Best Rates
http://www.amtrust.com/
#17951 Best CD rates in US (Thanks Vivyip & uppchy!)
Posted by scottjm on 18 October 2005 - 08:05 PM in Bank lists by feature
http://salemfive.com/
Transaction Limitations: You may close your account without penalty at any time after the first six days. You may not make deposits into the account during the term and no partial withdrawals.
#18060 Best CD rates in US (Thanks Vivyip & uppchy!)
Posted by scottjm on 26 October 2005 - 01:18 PM in Bank lists by feature
http://www.statefarm...ank/fixrate.htm
#18766 Best CD rates in U.S. (updated on 03/15/06)
Posted by scottjm on 16 March 2006 - 11:15 AM in General
Another great thing is they have DIF so could put in as much as you want, Also they are 4 Star rated and over 4 Billion in size
http://www.middlesex...l/rates_cds.asp
#8952 Anyone converted US bonds from paper to electronic
Posted by scottjm on 07 October 2005 - 01:12 PM in General
#8358 6 month CD - 3.93% from CORUS Bank
Posted by scottjm on 30 July 2005 - 03:23 PM in CD rates
http://www.amtrust.c...ter/default.asp
#18775 5% emigrant direct 9 mo CD
#18520 5% 5-month CD from BCP Bank (Astoria, Union and New Bedford North Branches only)
Posted by scottjm on 30 January 2006 - 12:00 PM in CD rates
https://www.dimedirect.com/6mocd5.htm
Dime Savings Bank - 5.00% APY 6 month CD
$500 min, 250K max, expires on February 21, 2006
One account per household
https://www.dimedirect.com/6mocd5.htm or call 800-321-3463
PROMO CODE 3169615
#18168 4.23% APY with $50K Saving
Posted by scottjm on 07 November 2005 - 06:45 PM in Online banks
4.23% Passbook savings. Problem with most Passbooks accounts is you need to go into the bank.
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