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$20 + 4.6 APY INTEREST = MORE FOR YOUR MONEY


For a referral, skip to the bottom.

Why should you go through the hassle of changing banks? You've had the same bank for years now, and they've always been there to help you, be it on the phone or at your local branch. Well, if you were like I was, you weren't getting a thing for that money that's sitting in your local checking account. Even if you are earning interest for having your hard-earned money sitting in their bank, the rates just don't compare. You might have heard about some banks that are strictly online. These banks are often separate branches of other well-established banks (brick and mortar). There are a variety of banks that are online only and thus are able to save money from not having to pay rent, utilities, and tellers for multiple branches. They can pass this savings on to you, their valued customers. Opening and having an account is easy, and there is no need to switch banks. You can simply link your existing checking account to your new online account and transfer money back and forth. You can leave your money to accumulate interest and then transfer money back to your checking as you need it for other things such as paying your credit cards.

There are many online only banks with competing rates, many of which are higher than virtual bank's 4.6% APY. So why should you choose a bank that's rates fall short? Virtual bank has great customer service. Their phone operators are there until 9pm EST during the week. They are very helpful in answering your questions and prove to you why they should get your service. If you're like me and don't have tens or thousands of dollars to play with, then the .1 or .15% difference between Virtual Bank's rates and other, higher rates will mean a mere $10 or $15 dollars a year on your $10000. If you sign up for Virtualbank using my referral (see below) you'll get $20 for opening an account. If you refer other people you'll get $20 for each new account opened, up to 50 people. So you could potentially make $1020 in referrals.

I read reviews on various banking sites about experiences with online banks. I saw that Virtualbank got good reviews and that it was fairly easy to use. I read on a forum somewhere that you could get a free $20 for signing up, all you had to do was get referred. I sent emails to a few people that posted on forums to try and find a working link, but that took awhile. This account is nice because it doesn't require you to fill out anything and mail it in like other banks. They'll send your other account 2 small deposits (less than a dollar) and then you verify your account like that. The form was very simple and the entire sign-up process was a breeze. I could login right away and check the current status of my account and everything. My free $20 showed up very quickly, I would definitely recommend it and I'm transferring the rest of my money into this savings account to earn the high interest.


REFERRALS

IMPORTANT: IF YOU GET A REFERRAL IT WILL BE SENT TO YOU THROUGH AND FROM VIRTUALBANK AS TO ENSURE YOUR SECURITY.

Virtual bank has the best referral system around. You can refer up to 50 people. If you refer someone, they get a $20 bonus for opening an account and you get $20 for referring them. If you happen to use all of your referrals, that's $1000! Email me at [email protected] if you'd like a referral and I'll get back to you within a day. If you get referred when you open your account, that's $1020. Referrals bonuses show up as interest on your account.

Customer Service:
Excellent; very helpful, lightning quick response time

Web Site Experience:
Excellent; easy to navigate and fast serving

Web Site Load Time:
Loads faster than usual

Pros:
$20 referral makes 4.6 APY Virtualbank better than other online banks

Cons:
No online bill payer, but you can transfer to your checking to do that

The Bottom Line:
If you're looking for great interest rates and good customer service or even just a free $20 choose Virtual Bank.

Overall Product Rating:
Excellent

Recommended:
Yes

$20 + 4.6 APY INTEREST = MORE FOR YOUR MONEY


For a referral, skip to the bottom.

Why should you go through the hastle of changing banks? You've had the same bank for years now, and they've always been there to help you, be it on the phone or at your local branch. Well, if you were like I was, you weren't getting a thing for that money that's sitting in your local checking account. Even if you are earning interest for having your hard-earned money sitting in their bank, the rates just don't compare. You might have heard about some banks that are strictly online. These banks are often separate branches of other well-established banks (brick and mortar). There are a variety of banks that are online only and thus are able to save money from not having to pay rent, utilities, and tellers for multiple branches. They can pass this savings on to you, their valued customers. Opening and having an account is easy, and there is no need to switch banks. You can simply link your existing checking account to your new online account and transfer money back and forth. You can leave your money to accumulate interest and then transfer money back to your checking as you need it for other things such as paying your credit cards.

There are many online only banks with competing rates, many of which are higher than virtual bank's 4.6% APY. So why should you choose a bank that's rates fall short? Virtual bank has great customer service. Their phone operators are there until 9pm EST during the week. They are very helpful in answering your questions and prove to you why they should get your service. If you're like me and don't have tens or thousands of dollars to play with, then the .1 or .15% difference between Virtual Bank's rates and other, higher rates will mean a mere $10 or $15 dollars a year on your $10000. If you sign up for Virtualbank using my referral (see below) you'll get $20 for opening an account. If you refer other people you'll get $20 for each new account opened, up to 50 people. So you could potentially make $1020 in referrals.

I read reviews on various banking sites about experiences with online banks. I saw that Virtualbank got good reviews and that it was fairly easy to use. I read on a forum somewhere that you could get a free $20 for signing up, all you had to do was get referred. I sent emails to a few people that posted on forums to try and find a working link, but that took awhile. This account is nice because it doesn't require you to fill out anything and mail it in like other banks. They'll send your other account 2 small deposits (less than a dollar) and then you verify your account like that. The form was very simple and the entire sign-up process was a breeze. I could login right away and check the current status of my account and everything. My free $20 showed up very quickly, I would definitely recommend it and I'm transferring the rest of my money into this savings account to earn the high interest.


REFERRALS

Virtual bank has the best referral system around. You can refer up to 50 people. If you refer someone, they get a $20 bonus for opening an account and you get $20 for referring them. If you happen to use all of your referrals, that's $1000! Email me at [email protected] if you'd like a referral and I'll get back to you within a day. If you get referred when you open your account, that's $1020. Referrals bonuses show up as interest on your account.

Customer Service:
Excellent; very helpful, lightning quick response time

Web Site Experience:
Excellent; easy to navigate and fast serving

Web Site Load Time:
Loads faster than usual

Pros:
$20 referral makes 4.6 APY Virtualbank better than other online banks

Cons:
No online bill payer, but you can transfer to your checking to do that

The Bottom Line:
If you're looking for great interest rates and good customer service or even just a free $20 choose Virtual Bank.

Overall Product Rating:
Excellent

Recommended:
Yes

I read reviews on various banking sites about experiences with online banks. I saw that ING direct got good reviews and that it was fairly easy to use. I read on a forum somewhere that you could get a free $25 for signing up, all you had to do was get referred. I sent emails to a few people that posted on forums to try and find a working link, but that took awhile. I spent awhile looking around on google for working links before I found a good one. This account is nice because it doesn't require you to fill out anything and mail it in like other banks. They'll send your other account 2 small deposits (less than a dollar) and then you verify your account like that. The form was very simple and the entire sign-up process was a breeze. I could login right away and check the current status of my account and everything. My free $25 showed up right away, even though they said it could take a month or so to show up. I would definitely recommend it and I'm transferring the rest of my money into this savings account to earn the high interest.

Important: 1.) Copy and paste one of the links below into a new browser window. 2.) In the new window click where it says "Open Now" 3.) If it says: "The link you've used to open a new Orange Savings Account has either expired, or has already been used. This is no longer a valid referral link." then someone has used this link. Try another one. 4.) Don't worry about the "reference code" box because if you used the unused link then you already qualify for the $250.

IT SHOULD SAY THIS
"If Initial Deposit is at least $250, you will receive a $25 bonus" in red on step 4 of the application, you will receive your $25 bonus upon account opening!

REALLY IMPORTANT
Write down your customer # and remember your PIN NUMBER, you will need it to log in.

$25 Bonus ING Direct Referral Links
(Only use one of the links below if your initial deposit will be at least $250. You only get the bonus with a $250 or more opening deposit. If you just want to open an account for less than $250 go here ---> http://home.ingdirect.com/)

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How much have you made referring people to virtual bank?

Important: 1.) Copy and paste one of the links below into a new browser window. 2.) In the new window click where it says "Open Now" 3.) If it says: "The link you've used to open a new Orange Savings Account has either expired, or has already been used. This is no longer a valid referral link." then someone has used this link. Try another one. 4.) Don't worry about the "reference code" box because if you used the unused link then you already qualify for the $250.

IT SHOULD SAY THIS
"If Initial Deposit is at least $250, you will receive a $25 bonus" in red on step 4 of the application, you will receive your $25 bonus upon account opening!

REALLY IMPORTANT
Write down your customer # and remember your PIN NUMBER, you will need it to log in.

$25 Bonus ING Direct Referral Links
(Only use one of the links below if your initial deposit will be at least $250. You only get the bonus with a $250 or more opening deposit. If you just want to open an account for less than $250 go here ---> http://home.ingdirect.com/)

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