SuPrince's Content

#24135 5.01% Go Green checking - Coastal Federal CU

Posted by SuPrince on 08 August 2008 - 06:32 PM in Checking rates

Go Green Checking

- 5.01% APY on any balances between $1 and $50k (.60% on balances over 50k or if account doesn't meet requirements)

- No minimum blance
- No monthly fees

-Make 12 debit transactions each month

- e-statements not required, but they charge $2/month for paper statements

QUOTE

*APY = Annual Percentage Yield. Federally insured by NCUA. The dividend rate and annual percentage yield for your account is subject to change daily based on the sole discretion of the credit union. Dividends are calculated monthly based on the average daily balance and are posted on the last day of the month. Dividends are compounded monthly. If you close your account before dividends are paid, you will not be paid accrued dividends. If transferring your existing Dividend Checking account to a Go Green Checking account, dividends will not be paid at the time of transfer.

Your account will earn the Go Green Checking rate on the average daily balance up to $50,000.00. The average daily balance above $50,000.00 will earn the Dividend Checking rate. To be eligible to earn the Go Green Checking rate, you must complete a minimum of 12 posted electronic debit card transactions from your account each month. Qualifying transactions are: signature or PIN-based purchases and online purchases or online bill payments made with your debit card. If you do not meet the 12 monthly posted transaction requirement, the entire balance of the account will earn the Dividend Checking rate for that month. Only one Go Green Checking account is allowed per membership account. Changes to this account will be communicated via your email.

#24134 3.52% Nationwide Bank MMA

Posted by SuPrince on 08 August 2008 - 06:22 PM in Savings and Money Market Rates

Nationwide Money Market

- 3.52% on all balances
- Free order of checks and ATM card
- Free e-statements
- Free transfers from other accounts
- overdraft protection available
- monthly maintenance fee of $8 when average daily balance is less than $1,000

Full terms and conditions of Nationwide Bank accounts

#24133 3.51% Deseret MMA - Zions Bank

Posted by SuPrince on 08 August 2008 - 06:11 PM in Savings and Money Market Rates

Zions Bank - Deseret Money Market Account

- 3.51% on balances $2,500 or more
- no monthly service fees
- 24hr online access
- check-writing available
- FDIC insured

#24109 5.06% Interest Plus Checking - Heartland Community Bank

Posted by SuPrince on 07 August 2008 - 11:24 PM in Checking rates

Heartland Interest Plus Checking Account

To earn the Bonus Rate, you must perform the following each cycle:

- Make at least 10 check card transactions
- Receive a monthly Electronic Statement
- One direct deposit or ACH Auto Debit
- Access Online Banking

Privileges received from Interest Plus Checking:

- Free ATM's Nationwide**
- Write as many checks each month without a per-check charge.
- Earn high-interest yields on your account
- No minimum balance
- No service charge
- Overdraft privilege available
- Free ATM or Visa check card
- Telephone Banking
- Free Internet Banking

QUOTE

* 5.06% Annual Percentage Yield (APY) paid on balances between 0.00 and $30,000.99, and 1.31% APY paid on all amounts above $30,000.99 each cycle the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.30% APY. Rates accurate as of April 9, 2008. We may change the interest rate and APY at any time after the account is opened. Fees could reduce earnings on the account. No minimum balance required. However, you must deposit a minimum of $100 to open this account. Available to personal accounts only. No monthly service charge. If you do not meet the requirements per cycle, your account will still function as a free checking account earning the Base Rate, however, it will not receive ATM Refunds for that time period.
** Unlimited ATM refunds if requirements are met.

#24108 5.15% First New England Federal CU - Rewards Checking

Posted by SuPrince on 07 August 2008 - 11:06 PM in Checking rates

Fist New England Federal CU Rewards Checking terms:

- No minimum balance
- 5.15% on balances up to $25k
- 2.50% APY on balances beyond $25k
- ATM fee refunds up to $25/month (worldwide)

IF you meet requirements:

- 12 cleared debit transactions monthly (not ATM transactions)
- 1 direct deposit or automatic debit per month
- Enroll in e-services

You are eligible to join the FNEFCU if you join the Friends of Lucy Welles Robbins Library, $10/year for a single membership. You can join this organization as part of the application process for FNEFCU. You must also open a savings account with a $10 minimum balance.
*Hard Pull on TU

#24107 3.66% Flagstar Bank - Express MMA

Posted by SuPrince on 07 August 2008 - 10:46 PM in Savings and Money Market Rates

3.66% APY offered by Flagstar Bank via their Express Money Market Account

-No minimum balance
-No monthly fees
-Online banking
-Check writing
-FDIC insured

QUOTE

- 3.66% APY on all balances
- No minimum balance or fees
- Free checks for life
- Visa debit card
- Online statement detailing account activity

Banking centers located in Michigan, Indiana, and Georgia.

#24106 3.70% Corus Bank "Ultimate" MMA

Posted by SuPrince on 07 August 2008 - 10:26 PM in Savings and Money Market Rates

Ultimate Money Market from Corus Bank is currently at 3.70% APY.

QUOTE

Minimum balance to avoid service fee is $10,000.00
Minimum deposit to open account is $100.00
$25.00 per statement cycle service fee if minimum balance is not met
Three checks per statement cycle permitted by regulation
Unlimited in-person withdrawal access
Up to six pre-authorized withdrawals per statement cycle
FDIC Insured

This is a variable rate account. Rates are set by Corus Bank. Both the interest rate and annual percentage yield (APY) are subject to change. Fees on the account could reduce earnings.

Current Rate: 3.64%
Current APY: 3.70%

#24091 6000 TY Points for survey ($50 GC)

Posted by SuPrince on 06 August 2008 - 06:00 PM in General

If you have a checking account with Citi, you can call 1-866-422-1443 and mention the code ATTS to get 6000 bonus TY points for completing a survey. The call takes about 5 minutes. Expires August 8th. 6000 points can be redeemed for a $50 gift card.

#24078 Using your assets

Posted by SuPrince on 05 August 2008 - 12:35 AM in General

I've read about quite a few incidences where people claim to have used their assets (rather than their income) to get approval for new lines of credit or credit limit increases. For instance, sending in brokerage statements when a financial institution wanted to review pay stubs or tax returns. Or making a deposit in a savings or checking acct and then getting almost instant approval for credit with that bank.

I'm interested in similar experiences, since it might be easier for me to prove assets rather than income. Which banks have you tried this with and what were the results? From what I've been reading, some of them will consider your deposits with them, some will even consider your deposits with other financial institutions, and others won't care about your assets at all.

#24077 6.01% APY Charter Bank Turbochecking

Posted by SuPrince on 04 August 2008 - 11:21 PM in Checking rates

You shouldn't have to close your account or anything. Their site says you can convert your existing account into a Turbochecking account without having to change your account number or getting a new card issued. You can do it in person at one of their bank locations, or you can go here and sign into your account.

Hope this helps.

#24071 Chase Rewards promotion (exp. Sept 30)

Posted by SuPrince on 03 August 2008 - 06:41 PM in General discussion

According to forum-goers on SlickDeals, Chase is offering the following rewards promo to some card-holders.

Normally, you can redeem 3,000 points for a $25 gift card for a participating store, but some customers will be able to redeem only 2,000 points for a $25 gift card for Amazon or Macy's. Members on SlickDeals have had varying experiences with this promo, some have qualified and others have not, but the reason is unclear. It may depend on which card you have and which reward programs you are enrolled in, so "your mileage may vary" with this deal.

They're also offering increased points when you make purchases with certain companies, such as 15 points per $1 at LandsEnd.com and 4 points per $1 at Dell.com.

You'll have to Log On to the Chase Rewards Plus page to see if this promo applies to you.

Advertisement attached in PDF format
[attachmentid=237]

Attached Files

chase_1_.pdf 986.37KB 565 downloads

#24069 6.01% APY Charter Bank Turbochecking

Posted by SuPrince on 03 August 2008 - 05:15 PM in Checking rates

Credit to Firedrake on FW forum.

IF you

QUOTE

Make at least 10 debit card transactions monthly (excluding ATM transactions)
Receive one direct deposit or ACH auto debit monthly
Receive your monthly statement electronically (e-statement)
Access on-line banking at least once before month end

You will earn the 6.01% APY every month on balances under $25,000 (or 1.01% on balances over $25,000)

BUT should you not meet the requirements one month, you will only get .25% APY. Each billing cycle you have a chance to earn 6.01% by meeting the requirements.

In addition, they're offering ATM fee refund, free online bill pay, and overdraft privilege.

You can sign-up online, the minimum deposit is $100.

Turbochecking from Charter Bank

I even started to tap my foot to their "rooster-atm" ad song that starts every single time you open a page...