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markber

Member Since --
Offline Last Active Aug 13 2018 09:43 AM
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#31365 $300 bonus - TD Bank : TD Business Solutions Credit Card; Exp. - 3/5/2018

Posted by markber on 03 January 2018 - 07:49 AM

:smartass:
 
LINK
 
LINK to terms
 
 
Terms from the bank website as of 3/1/2018: 

$300 Cash Back offer expires March 5, 2018

Earn 3% Cash Back on phone, internet and cable services

Earn 2% Cash Back on dining and at gas stations

Earn 1% Cash Back on other purchases*

$0 annual fee
 
 If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One- Time Bonus Offer") of 30,000 Bonus Points which can be redeemed for $300 Cash Back if you spend $3,000 in total Purchases using the Account within 90 days of the Account opening date. This One-Time Bonus can be redeemed for Cash Back or a variety of gift cards, merchandise or travel. Provided your Account is open and in good standing, the 30,000 Bonus Points will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this Account or any other account with us.


#29915 $100 bonus - Liberty Bank : Libby eChecking Account; Exp. - unknown

Posted by markber on 05 August 2015 - 09:27 AM

:shy: 
 
LINK

Terms:

Two automated government or payroll deposits get you $50. Earn $50 more when you make 2 online bill payments.

The Libby eChecking Account is a non-interest bearing checking account available to persons 18 years of age or older that is to be used for personal, family or household purposes. Minimum balance to open $25. A Liberty Bank Libby Visa® Debit Card is issued to each accountholder on the account. No checks are issued or ordered by Liberty Bank for this account. Monthly statements are only provided electronically. An additional requirement while opening the account is to simultaneously enroll in the Liberty Bank Online Banking service. A bonus of $50 is to be received when 2 recurring payroll or government automated deposits of $100 or more are credited to the account within 60 days of account opening. An additional bonus of $50 is to be received when 2 bill payments have been completed through the Liberty Bank Bill Payment service within 60 days of account opening. Any bonus received constitutes income to you and will be properly reported to you and the IRS. A fee of $50 will be charged if you close the account within 90 days of account opening. Limit of one Libby eChecking Account per customer. Liberty Bank for Savings reserves the right to discontinue this product or offer at any time.


#28812 $10 bonus - American Express : open a Serve account; Exp. - 3/31/12

Posted by markber on 03 December 2011 - 10:09 AM

Below are terms and promo link for $10 bonus for opening a Serve account from American Express.

Terms:

To receive a $10 credit to your Serve account, you must complete account registration for a new Serve account by March 31, 2012. Offer limited to legal residents of the 50 U.S. & D.C., 18 or older. Valid for new Serve account holders only. Offer is subject to change or cancellation at any time.

PROMOTIONAL LINK



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Database of credit card sign-up bonuses

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#28169 $75 bonus - First Commercial Bank : checking ans savings accounts, auto...

Posted by markber on 16 April 2011 - 09:41 PM

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Link

Terms:

Offer valid April 4, 2011-June 30, 2011. New money only. Must open a Checking Account with a minimum deposit of $100 to receive $25, a Savings Account with a minimum deposit of $100 and a minimum balance of $200 to receive the second $25, and must establish three automatic transfers from checking to savings or savings to checking using Online Banking by June 30, 2011 with a minimum of $25 for each transfer to receive the third $25. Savings Accounts are limited to a maximum of 6 pre-authorized withdrawals per month. Social Security Number or ITIN is required for account opening. Account opening bonuses to be automatically deposited into your account within one month of account opening. These bonuses are scheduled to be deposited the first week of May, the first week of June or the first week of July, depending on account opening. Transfer bonus to be automatically deposited into your account by July 31, 2011. Bonuses are considered taxable per IRS rulings and are reportable on IRS Form 1099-INT. Offer subject to change without notice. Promotion may be substituted with an item of equal or greater value. Not to be combined with any other offer. Limit one per customer. Limit one per household. Limited time oer. We reserve the right to cancel promotion at any time.


#28141 $75 bonus - Archer Bank : checking ans savings accounts, auto transfers;...

Posted by markber on 16 April 2011 - 10:31 AM

irritated.gif

LINK

Terms:

Offer valid April 4, 2011-June 30, 2011. New money only. Must open a Checking Account with a minimum deposit of $100 to receive $25, a Savings Account with a minimum deposit of $100 and a minimum balance of $200 to receive the second $25, and must establish three automatic transfers from checking to savings or savings to checking using Online Banking by June 30, 2011 with a minimum of $25 for each transfer to receive the third $25. Savings Accounts are limited to a maximum of 6 pre authorized withdrawals per month. Social Security Number or ITIN is required for account opening. Account opening bonuses to be automatically deposited into your account within one month of account opening. These bonuses are scheduled to be deposited the rest week of May, the week of June or the rest week of July, depending on account opening. Transfer bonus to be automatically deposited into your account by July 31, 2011. Bonuses are considered taxable per IRS rulings and are reportable on IRS Form 1099 INT. Oer subject to change without notice. Promotion may be substituted with an item of equal or greater value. Not to be combined with any other offer. Limit one per customer. Limit one per household. Limited time offer. We reserve the right to cancel promotion at any time.


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#27483 $10 bonus - Chase : use RealCash Debit Card; Exp. - unknown

Posted by markber on 19 June 2010 - 08:50 PM

Icky.gif

LINK

Terms:
Annual Fee: After signing up for your Chase RealCash Debit Card, a $25 annual fee will be automatically deducted from your primary checking account within 1-2 statement cycles. Icky.gif

Qualifying Purchases: Qualifying purchases include purchases made with your debit card without using a PIN. Such "non-PIN" purchases include purchases you sign for, purchases made using the contact-less feature of some cards (as long as a PIN is not used), Internet purchases, phone or mail-order purchases, small dollar purchases that do not require a signature, and bill payments (where billers process the transaction as a credit card). Purchases, ATM and cash transactions authorized with a PIN (personal identification number) do not qualify. See the program Terms & Conditions for complete details on qualifying purchases. If prompted for "Debit or Credit", always select "Credit". The money for your purchases is always deducted from your checking account when you use your debit card, even if you select "Credit Card" if prompted or ask the biller to process your debit card as a credit card; do not provide your PIN. The money for your bill payment will still be deducted from your checking account.

$10 Bonus: The one-time $10 Chase RealCash Debit Card bonus will be automatically awarded to the primary checking account within 6-8 weeks of completing the first qualifying purchase made with your new Chase RealCash Debit Card.
Cash Back: You will earn up to 3% cash back for qualifying purchases made at the Program's participating merchant categories: grocery stores/supermarkets, gas stations (automated fuel dispensers and service stations), drugstores and pharmacies, fast food restaurants (including some coffee shops). The percent cash back earned from qualifying purchases made at participating merchant categories will depend on the total amount of qualifying purchases made across all merchants and billers for any given calendar month. There is a $500 cap on the cash back amount that can be earned during a calendar year, and your account and card must be in good standing. The $500 annual cap does not apply to cash back earned from bonus offers and purchases made at the RealCash Mall. For complete details, see the Program Terms & Conditions at chase.com/RealCash.





#26527 Citi fee waivers will be removed for Citibank accounts on February 1th, 2010

Posted by markber on 01 November 2009 - 08:03 AM

It looks like Citibank will be trying to get rid of unprofitable low-income customers next year. See a copy of FW posts of FW member andrewli below as well as the attached PDF file

The most disappointing part is the following:

Citibank EZ Checking Account
Effective February 1, 2010
* Monthly fee waiver for having direct deposit OR 2 bill payments is removed
* You still can have fees waived with a minimum of $1,500


QUOTE


The following information is from the Citibank Online Marketplace Addendum, but I assume it will apply to all accounts. link (See the last few pages for the changes to the accounts)

Looks like they are trying to "retrench" and serve customers with higher balances now.

Reimbursement of Non-Citibank ATM Fees (Non-CitiGold)
Effective January 1, 2010
* Limit will increase to 6 times per month from 4 times per month
* Now limited to $5.00 for each transaction

You will receive reimbursement if you meet ALL of the following:
* You are a new client with a mailing address-as of 3 months after establishing your banking relationship online-that is outside a county where Citibank operates a Financial Center; and
* You established your banking relationship online and chose a Citibank EZ Checking, Citibank Account, or Citibank Everything Counts online; or you open an additional account with any such package online; and
* You maintained the account minimum balance to avoid monthly maintenance fees in the calendar month prior to the end date of the statement period in which the ATM transactions occurred.

Reimbursement of Non-Citibank ATM Fees (CitiGold)
Effective January 1, 2010
* Now limited to $5.00 for each transaction

You will receive reimbursement if you meet ONE of the following:
* Your CitiGold Account had a combined balance range of $500,000 or more for the calendar month prior to the ATM transaction (regardless of how you opened it -- see the PDF for details); OR
* Your CitiGold Account was opened outside of a Citibank Financial Center via Citibank Online and, as of 3 months after establishing your banking relationship online, your mailing address is outside a county where Citibank operates a Financial Center; OR
* Your CitiGold Account was opened in a Citibank Financial Center in DE/MA/PA or outside a Citibank Financial Center and your account address at the time of opening was in DE/MA/PA.

Citibank Access Account
Effective February 1, 2010
* Monthly fee waiver for direct deposit is removed
* No way to waive fees going forward for this account type

Citibank EZ Checking Account
Effective February 1, 2010
* Monthly fee waiver for having direct deposit OR 2 bill payments is removed
* You still can have fees waived with a minimum of $1,500



source: fatwallet.com/forums/finance/963429?fwcs=ta243512

Attached Files




#23931 $12,000 in bank sign-up bonuses (12/28/09 update)

Posted by markber on 21 June 2008 - 07:56 AM

Bank bonuses sorted by amount.

Nationwide bank bonuses sorted by valueLocal bank bonuses sorted by value


Professional bonuses for personal accountsBonuses for business accounts


#23418 Get $20 + up to $1000 with Virtual Bank eMoney Market account

Posted by markber on 12 March 2008 - 10:19 AM

IBD note: You can get $20 for opening Virtual Bank eMoney Market account if you do this via a referral invitation. You have to open an account within 30 days after you receive an invitation. See more details of the referral program below.

If you need a referral invitation, send me your email address, first and last names that you want me to use in Virtual Bank referral form to this email address.

Once you get a Virtual Bank MM account, you can start referring other people to Virtual Bank using referral board of iBankDesign.com and ExtraDime.com. You can refer up-to 50 friends and receive up-to $1000 in referral bonuses ($20 per new customer)

***********************************************************


Terms of referral offer from Virtual bank website.

This is how it works - You refer a friend to open an eMoney Market Account, your friend applies and opens an account, you earn the amount listed below. It's that easy. Start referring today.

1. You can refer up to 50 friends to open eMoney Market accounts.
2. Each friend that opens an eMoney Market account earns $20.
3. You then earn $20 for each friend who opens an account.
4. You can earn up to $1000.

Rules: To be eligible you must have a VirtualBank checking, savings, or eMoney Market account. You and your friend will earn $20.00 each if your friend applies for and opens an eMoney Market account with the link provided in the referral email that we send to your friend. This offer will be available to your friend for 30 days after the date you click on the REFER button. Your friend must open a new eMoney Market account and must not be an existing VirtualBank or Lydian Private Bank accountholder. The $20.00 referral gift will be deposited into the account you designate upon the opening of your friend's account but will not be available for withdrawal for 30 days. These funds will be reported as interest on your 1099INT.


#21023 $15 off $30 from PayPal

Posted by markber on 10 February 2007 - 10:44 PM

Not exactly a bank bonus...

get $15 off your $30 purchase made via PayPal

LINK

Terms:


Receive a $15.00 USD rebate by registering for this offer on http://paypal.promot...gnup/index.html and using PayPal to make a purchase of at least $30.00 USD or $34.50 CAD. To qualify for this offer, purchases must meet the following requirements:

1. Registration. You must first register for this offer on http://paypal.promot...gnup/index.html using your PayPal account's primary email address.


2. Single Purchase. Once registered for this offer, you must use your PayPal account to spend at least $30.00 USD or $34.50 CAD on a single purchase on an eligible website.


3. Eligible Website. You must make a purchase on www.eBay.com, www.eBay.ca or any United States or Canadian website that accepts PayPal. Purchases on www.eBay.com and www.eBay.ca must be made through the eBay checkout flow via the eBay website and must not be made through the PayPal Send Money tab.


4. Promotion Period. Purchases must be made between February 8, 2007 12:01 AM PST and March 31, 2007 11:59 PM PST.


5. Excluded Transactions. The following transactions are excluded from this offer: Send Money transactions, payments to Personal Accounts, eBay payments made to Personal Accounts, donations, PayPal Mobile transactions, payments for services, Virtual Debit Card payments, PayPal ATM/ Debit Card payments, payments made when you are not logged into your PayPal account, and PayPal Plus Credit Card payments not made through your PayPal account.


6. Rebate Payment. The $15.00 USD rebate will be deposited into your PayPal account by May 28, 2007. If you made your purchase in Canadian Dollars you will receive the Canadian Dollar equivalent of $15.00 USD at the day of the rebate payment.


7. Limitations. Limit one registration and one $15.00 USD rebate per PayPal Account. Offer available for a limited time. Offer is limited to PayPal users in the United States and Canada. PayPal account must be in good standing prior to and throughout the offer period to qualify.


#20726 Post by David Hanson on FW: Investing w/ credit line promo rates: strategies,...

Posted by markber on 16 December 2006 - 12:32 AM

Below is a repost of DaveHanson's post from FW. I hope it will be useful for people who are interested in investing 0% credit from credit cards.


<br>
<br>
Quote:
<br><br>
<br>
<b>Thread rationale</b><br><br>It seems it's time for a consolidated thread discussing the use of credit line promotional rates to make money. There have been many, many threads here on FW and elsewhere over the years that touched on this subject. Please help increase the value of this thread by adding other pertinent links to it, and I will try to keep the OP updated. Meanwhile, I'll keep this post largely factual, and keep my own opinions on "best practices" for the following post.<br><br><br><b>Background info</b> <br><br>For many years, credit card companies have enticed customers to either open new accounts, or rev up usage on their existing accounts, by offering promotions that allow for borrowing their money at much lower interest rates than their standard agreements allow for. Since FW's inception and earlier, many FW members have used various means to profit from these offers. In recent years, as more have tried these strategies and CC companies have become more automated (and often more sophisticated), there has been a dramatic increase in reported problems with these strategies.<br><br><br><b>Investing BTs: the "standard FWF technique".</b><br><br>The most commonly cited FWF strategy works roughly as follows:<br><br>Step 1: Receive an offer of (for example) 0% on BTs for one year from a $25K Chase line, with a $50 BT fee.<br><br>Step 2: Transfer all or almost all of the card's credit limit into a bank account (when available as on option), or to another credit card account (some offers require this). Some ways people have accomplished this step are detailed <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=522179">here</a> .<br><br>Step 3: Stash that money in a safe investment, earning returns for the duration of the promotion.<br><br>Step 4: Pay the minimum monthly payments for 12 months (generally 2-3%).<br><br>Step 5: When the promo period ends, pay off the remaining balance with proceeds from the investment, leaving yourself with $0 balance on the card. <br><br><br>This basic strategy can then be repeated with other cards, the same cards, or even with multiple cards simultaneously. Some things to note about this approach:<br><br>-It ignores effects on one's credit score, or other reactions from lenders. In my opinion, this is a mistake. Nevertheless, some have managed to do this for years without adverse consequences. <br><br>-It assumes that the promotional rate is available for a limited time. Most very low offers are, but <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=195938">some</a> are not.<br><br>-It assumes a fee for doing the transfer. It used to be that many BT offers didn't require a fee, now most do. (Also, the amount of the fees has increased notably in the last year, often going as high as $75.) If there is no fee, then there's no real incentive to do one big BT--splitting them up works well too.<br><br>-BT cards should ALMOST ALWAYS be segregated from cards used for purchases, UNLESS the terms of the BT require otherwise (in which case purchases should be for amounts as small as possible). The main reason is that once you're carrying a balance, purchases have no "grace period"--meaning that you're paying the purchase rate from the moment you buy anything. Even worse, the payments you make always go towards the lowest rate first. That means that if you have a 0% offer, and buy a $1,000 item at the purchase rate of 12%, then you'll keep paying $10 per month to finance that purchase until the ENTIRE BT is paid off. There are a few exceptions, as manuel notes below, but these are rare.<br><br>-The promo rate offers require that strict conditions might be maintained. In particular, late payments on the card, OR EVEN ANOTHER ACCOUNT, can cause the rate to be "jacked" up to 30% immediately. Anyone who isn't very careful to adhere to ALL these conditions is asking for major hassles.<br><br>-It assumes that the funds are invested in something ABSOLUTELY SAFE. If a payment is missed, the rate gets jacked, etc. funds should be readily available to pay it off. <br><br><br><b>Variations on the "standard technique"</b><br><br>There are MANY different variations on the standard technique. I will list just two options to start, and we can add more as the thread grows.<br><br>-<b>Partial utilization/"Rollling maximization" strategies.</b> The standard technique simply maxes out a credit line, and pays off the minimum each month after. This variation uses only a fraction of the line--generally 50% or less--OR pays off the FULL balance before the close of each billing cycle, only to draw it up again immediately after the cycle closes. The main reason for this variation it to keep one's credit score from tanking (it will ALWAYS drop, and often significantly, if one has a line report to the credit bureaus showing more than 50% of their available balance being used), and/or to keep a lender from getting nervous about "high risk activities."<br><br>-<b>Coupling BTs with a HELOC or other LOC.</b> The standard technique pulls cash from the CC companies, then parks it in some investment (money market, short-term CD, etc.) until the money is due back to the line issuer. This variation takes a line of credit, typically a equity LOC secured by the home, and uses BT money to pay down that line. When the money is due back to the CC company, the HELOC is simply drawn back up again to pay it off. In so doing, a standard competitive HELOC with, say, a prime -.5% rate would effectively yield 5.5%, a much higher rate than short-term money markets would yield. At the same time, one can more easily pay off the balance, simply by drawing on the LOC. For more on HELOCs and how they can be used, see <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=150875">this</a> thread and its links, and <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.sagetips.com/">this</a> well done website.<br><br><br><b>Increasing credit (and goosing returns!) via the credit "Application Spree" / AOR / "App-O-Rama"</b><br><br>At least since the 1990s, several FWF members have bundled credit applications together so as to maximize the prospects for greater credit on better terms while containing associated damage to our credit profiles. In 2004, celebrated FWF member SUCKISSTAPLES coined (AFAIK) the phrase "Application-O-Rama" to <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=265432">describe</a> his own version of such a strategy. Since then, references like "AOR" and "App-O-Rama" have entered the FW lexicon, loosely describing various implementations and usages of this technique. Because of its extensive contributions from many different sources, that thread remains useful reading for anyone who wants to get up to speed on related discussions here at FWF.<br><br>The core idea is to pick a time when's one credit score and profile are relatively good, and then apply for many new credit lines and/or line increaes all at the same time, so that the creditors will all see the "good" profile (before many credit "inquries", larger credit utilization, etc. does its damage), and accordingly award high line limits and generous promo terms.<br><br>While there are many reasons one might want to persue an AOR, the rationale that seemed to capture the imagination of most FWF members was to enhance the exploitation of low- or no-interest BT offers. <br><br>Many FWFers have combined the AOR and various credit investment techniques to try to maintain as much low/no interest money as possible. Several have posted threads about their own experiences. The most recent detailed threads I know about as of this OP are <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?start=0&catid=52&threadid=450566">here</a> and <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=425743">here</a> .<br><br><br><b>Related useful threads</b><br><br>-Information and experiences on <b>getting LARGE credit lines</b> is <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/t/52/238073/">here</a>. <br><br>-A list of <b>creditors that allow the reallocation of large credit lines</b> is <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/t/52/237296/">here</a>.<br><br>-A thread dedicated to recording and discussing instances of <b>"adverse action"</b> (cut or closed lines, loss of promotional perks, etc.) and their causes is <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=322874">here</a><br><br>-A thread devoted to getting your BT money into checking accounts is <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=522179">here</a> .<br><br><br>(A final note on the origins of this thread, for anyone interested. In the <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=61657">no-fee CC BT deals on new accounts thread</a>, popechild had some questions about investing money from low- and no-interest CC balance transfers. When I asked him to keep questions/discussions out of that thread, he politely pointed out that others had already been directed to that thread for such discussion. The last <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=473448">thread</a> asking questions about this issue confirms popechild's point, and the FWF <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/t/52/457977/">sticky</a> thread links to taylor's <a target="_new" href="/redirect/bounce.php?afsrc=1&url=http://www.fatwallet.com/forums/messageview.cfm?catid=52&threadid=158558">cc thread</a>, which also lists that same "no-fee CC" thread as the sole heading under "Balance transfers.")<br><br><br><b>Edit</b> Updated to correct language about purchases coupled with BTs (thanks manuel), to add more links on HELOC per popechild's request, and correct typos.<br><br><b>Edit 7/06:</b> Useful links section added, thread origins section moved to bottom.<br><br><b>Edit 10/06:</b> Fixed typos, added link to getting BTs into checking accounts thread. <!-- google_ad_region_end=op -->
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source: fatwallet.com/t/52/477214/


#20717 Info about ING Direct Electric Orange checking account

Posted by markber on 15 December 2006 - 05:22 AM

happy.gif


LINK


Thanks olegos for posting this link on MSN Online banking board.

Here are some fees that the new checking account has:

Overdraft Line of Credit. You pay interest if your balance drops below zero and you use your Overdraft Line of Credit. Unlike traditional banks, Electric Orange does not charge a fee to use your overdraft, and there's no fee to sign up. If you use it, you will only pay interest on the amount you borrow.

Overnight Delivery of a Check. If you use our Send Paper Checks service to send payments via overnight courier, in those instances when you need to send money for next day delivery, the cost is $15. (1st class mail Send Paper Checks delivery is free.)

Overnight Delivery of a Replacement Card. If you request to have a replacement Electric Orange Card sent to you via overnight courier, there is a $25 fee. There is no charge for standard delivery of a replacement Card.

Stop Payment. If we succeed in processing your request to place a stop payment on a check that was sent using the Send Paper Checks feature or the Free Bill Pay feature, there is a $25 Stop Payment charge. (For more info on this, please see the Stop Payments section.)

Foreign Currency Conversion. We may charge you a fee of up to 2.00% of each cash advance or purchase that you make in a foreign currency after it is converted to U.S. Dollars. This fee is in addition to the fee that MasterCard® may charge as part of converting the purchase to U.S. Dollars.


#8401 Internet Resources for Banking

Posted by markber on 01 August 2005 - 05:52 AM






















































































style='font-family:Arial;color:#3366FF'>Discuss online banking

style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial'>Online Banking
boards: href="http://groups.msn.com/OnlineBanking" target="_blank"
title="MSN Online Banking">MSN Online Banking
style='color:blue'> & href="http://groups.yahoo.com/group/msnonlinebankingarchive/messages"
target="_blank" title="MSN archive">its archive, href="http://www.ibankdesign.com/board" target="_blank" title=iBankDesign> class=SpellE>iBankDesign
, href="http://boards.fool.com/Messages.asp?id=1040011000000000" target="_blank"
title=Fool.com>Fool.com, href="http://www.bankersonline.com/ubbthreads/postlist.php?Cat=&Board=UBB3"
target="_blank" title="Bankers Online">Bankers Online, href="http://ibankdesign.com/board/index.php?showtopic=8" target="_blank"
title="List of forums">list of forums
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial'>Finance
forums: href="http://www.fatwallet.org/forums/categories.cfm?catid=52"
title=FatWallet.com>FatWallet, href="http://moneycentral.communities.msn.com/YourMoney/general.msnw"
target="_blank" title="MSN Your Money">MSN Your Money
, style='color:navy'> target="_blank" title="MSN Live below your means">Live below your means,
href="http://groups.msn.com/Browse?CatId=134" target="_blank"
title="MSN Personal Finance Groups">MSN Personal Finance Groups, href="http://dir.groups.yahoo.com/dir/Business___Finance" target="_blank"
title="Yahoo Finance Groups">Yahoo Finance Group
 

style='font-size:13.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:#3366FF'>News

style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial'>Online Banking:
Google
( href="http://news.google.com/news?as_q=&svnum=10&as_scoring=d&hl=en&lr=&ie=UTF-8&btnG=Google+Search&as_epq=online+banking&as_oq=&as_eq=&as_nsrc=&as_nloc=USA&as_occt=any&as_drrb=q&as_qdr=&as_mind=24&as_minm=7&as_maxd=23&as_maxm=8"
target=Frame1 title="Online Banking">1, href="http://news.google.com/news?as_q=&svnum=10&as_scoring=d&hl=en&ie=UTF-8&btnG=Google+Search&as_epq=online+bank&as_oq=&as_eq=&as_nsrc=&as_nloc=USA&as_occt=any&as_drrb=q&as_qdr=&as_mind=24&as_minm=7&as_maxd=23&as_maxm=8"
target=Frame1 title="Online Bank">2, href="http://news.google.com/news?as_q=&svnum=10&as_scoring=d&hl=en&ie=UTF-8&btnG=Google+Search&as_epq=internet+bank&as_oq=&as_eq=&as_nsrc=&as_nloc=USA&as_occt=any&as_drrb=q&as_qdr=&as_mind=24&as_minm=7&as_maxd=23&as_maxm=8"
target=Frame1 title="Internet Bank">3, href="http://news.google.com/news?as_q=&svnum=10&as_scoring=d&hl=en&ie=UTF-8&btnG=Google+Search&as_epq=internet+banking&as_oq=&as_eq=&as_nsrc=&as_nloc=USA&as_occt=any&as_drrb=q&as_qdr=&as_mind=24&as_minm=7&as_maxd=23&as_maxm=8"
target=Frame1 title="Internet Banking">4),

style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial;
color:black'>Yahoo ( href="http://news.search.yahoo.com/news/search?ei=UTF-8&va=&va_vt=any&vp=online+banking&vp_vt=any&vo=&vo_vt=any&ve=&ve_vt=any&datesort=&pub=&timeago=&smonth=7&sday=24&emonth=8&eday=23&source=&location=USA&catfilt=&fl=0&n=100"
target="_blank" title="Online Banking">1, href="http://news.search.yahoo.com/news/search?ei=UTF-8&va=&va_vt=any&vp=online+bank&vp_vt=any&vo=&vo_vt=any&ve=&ve_vt=any&datesort=&pub=&timeago=&smonth=7&sday=24&emonth=8&eday=23&source=&location=USA&catfilt=&fl=0&n=100"
target="_blank" title="Online Bank">2, href="http://news.search.yahoo.com/news/search?ei=UTF-8&va=&va_vt=any&vp=internet+bank&vp_vt=any&vo=&vo_vt=any&ve=&ve_vt=any&datesort=&pub=&timeago=&smonth=7&sday=24&emonth=8&eday=23&source=&location=USA&catfilt=&fl=0&n=100"
target="_blank" title="Internet Bank">3, href="http://news.search.yahoo.com/news/search?ei=UTF-8&va=&va_vt=any&vp=internet+banking&vp_vt=any&vo=&vo_vt=any&ve=&ve_vt=any&datesort=&pub=&timeago=&smonth=7&sday=24&emonth=8&eday=23&source=&location=USA&catfilt=&fl=0&n=100"
target="_blank" title="Internet Banking">4),
class=SpellE>Altavista ( href="http://www.altavista.com/news/results?q=%22online+banking%22&nc=0&nr=15&nd=4&sort=date"
target="_blank" title="Online Banking">1, href="http://www.altavista.com/news/results?q=%22online+bank%22&nc=0&nr=15&nd=4&sort=date"
target="_blank" title="Online Bank">2, href="http://www.altavista.com/news/results?q=%22internet+bank%22&nc=0&nr=15&nd=4&sort=date"
target="_blank" title="Internet Bank">3, href="http://www.altavista.com/news/results?q=%22internet+banking%22&nc=0&nr=15&nd=4&sort=date"
target="_blank" title="Internet Banking">4),
style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial;
color:navy'> target="_blank" title=Finextra>Finextra. style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:#FFFFCC'>
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial'>General
Banking : href="http://www.thebankingchannel.com/" target="_blank"
title="American Banker">American Banker
, href="http://www.sheshunoff.com/email/index.html" target="_blank"
title=Sheshunoff>Sheshunoff, href="http://www.banktechnews.com/btn/m_btn2.shtml" target="_blank"
title="Bank Technology News">Bank Technology News, style='mso-spacerun:yes'>
href="http://www.us-banker.com/usb/m_usb3.shtml" target="_blank"
title=US-Banker>US-Banker.
 

style='font-size:13.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:#3366FF'>Research a bank

style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial'>Does your
bank make money? Check style='color:navy'> target="_blank" title=FDIC>FDIC, href="http://www2.fdic.gov/ubpr/UbprReport/SearchEngine/Default.asp"
target="_blank" title=FFIEC>FFIEC

style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial'> style='color:navy'> style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial'>Bank's rating:
href="http://www.bankrate.com/brm/safesound/ss_home.asp?nav=left_nav_research_your_bank&page=default"
target="_blank" title=Bankrate>Bankrate.com, href="http://www.bauerfinancial.com/btc_ratings.asp" target="_blank"
title="Bauer Financial">Bauer Financial,Epinions.com ( href="http://www.epinions.com/finc-Bankingnet-All" target="_blank"
title="Ratings ofiInternet banks at Epinions.com ">1, href="http://beta2.epinions.com/finc-Banking-All" target="_blank"
title="Ratings of all banks at Epinions.com">2),
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:navy'>
title=Forbes>Forbes.com

style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial'>Read feedback:
Epinions.com ( href="http://www.epinions.com/finc-Bankingnet-All" target="_blank"
title="Feedback about internet banks at Epinions.com "> style='color:navy;text-decoration:none;text-underline:none'>1
, href="http://www.epinions.com/finc-Banking-All" target="_blank"
title="Feedback about all banks at Epinions.com">2), style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:navy'> style='color:navy;text-decoration:none;text-underline:none'>Better Business
Bureau
, target="_blank" title=complaints.com>Complaints.com,
title="Rip-off Report.com">Rip-off Report, href="http://www.consumeraffairs.com/finance/banks.htm" target="_blank"
title=ConsumerAffairs.com> style='mso-bookmark:OLE_LINK3'>ConsumerAffairs.com,
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:black'>Bank rates: href="http://www.bankrate.com/brm/rate/chk_ratehome_new.asp?web=brm&prodtype=chk&type=2&interest=1&online_checking=on&sort=9"
target="_blank" title=Bankrate>Bankrate
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:#333399'>, href="http://www.quicken.com/banking_and_credit/bankrates/?SUBRATES=SA&RATES=ICHECK.var&sindex=0&cindex=0&posted=0&psindex=4&STATE=0&CITY=0&pindex=0"
target="_blank" title="Bank rates at Quicken.com">Quicken.com, href="http://money.cnn.com/pf/informa/index.html" target="_blank"
title="CNN Money">CNN Money

B style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:black'>ank sign-up bonuses: href="http://ibankdesign.com/board/index.php?showforum=8" target="_blank"
title="iBankDesign sign-up bonuses"> style='color:navy;text-decoration:none;text-underline:none'>iBankDesign
style='color:navy;text-decoration:none;text-underline:none'> sign-up bonuses
and href="http://ibankdesign.com/board/index.php?showforum=9" target="_blank"
title="iBankDesign Referral board">referral
forums, style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:navy'> target="_blank" title=MoneyBB>MoneyBB

 

style='mso-bidi-font-size:10.0pt;font-family:Arial;color:#3366FF'>Banking
Publications:

style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial;
color:navy'> title="American Banker">American Banker, href="http://www.sheshunoff.com/email/index.html" target="_blank"
title=Sheshunoff>Sheshunoff, href="http://www.banktechnews.com/btn/m_btn2.shtml" target="_blank"
title="Bank Technology News">Bank Technology News, href="http://www.us-banker.com/usb/m_usb3.shtml" target="_blank"
title=US-Banker>US-Banker,
href="http://www.banking.com/aba/tech_internet_0600.asp" target="_blank"
title="ABA Banking Journal">ABA Banking Journal
style='color:black'>
 
style='font-family:Arial;color:#3366FF'>Got screwed by your bank? style='font-family:Arial;color:#006666'> style='font-family:Arial;color:#006666'>
style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial;
color:black'>Complain to href="http://www.occ.treas.gov/customer.htm" target="_blank" title=OCC> style='color:navy;text-decoration:none;text-underline:none'>OCC,
style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:navy'> title="Better Business Bureau">Better Business Bureau, href="http://www.complaints.com/" target="_blank"
title=complaints.com>Complaints.com, target="_blank" title="Rip-off Report.com">Rip-off Report, href="http://www.consumeraffairs.com/finance/banks.htm" target="_blank"
title=ConsumerAffairs.com>ConsumerAffairs.com
 
style='mso-bidi-font-size:10.0pt;font-family:Arial;color:#3366FF'>Educate
yourself
style='font-size:8.0pt;mso-bidi-font-size:10.0pt;font-family:Arial'>Online Banking
for beginners at href="http://www.fool.com/money/banking/online/one.htm" target="_blank"
title=Fool.com>Fool.com, href="http://www.bankrate.com/brm/news/emoney/emoney1.asp" target="_blank"
title=Bankrate>Bankrate, href="http://www.quicken.com/cms/viewers/article/banking/20590"
target="_blank" title="Online Banking Primer at Quicken.com"> style='color:navy;text-decoration:none;text-underline:none'>Quicken.com
style='color:#FFFFCC'>
 

style='mso-bidi-font-size:10.0pt;font-family:Arial;color:#3366FF'>List
of banks

style='font-size:8.0pt;mso-bidi-font-size:12.0pt;font-family:Arial;
color:#333399'> href="http://www.onlinebankingreport.com/cgi-bin/web_banks/db.cgi?db=default&uid=default&view_search=1"
target="_blank" title="Online Banking Report">Online Banking Report,
href="http://ibankdesign.com/board/index.php?showtopic=55" target="_blank"
title="B&M banks with free bill payment">B&M banks with free bill payment,
href="http://ibankdesign.com/board/index.php?showtopic=115" target="_blank"
title="Banks with free ACH transfers for personal accounts"> style='color:#333399;text-decoration:none;text-underline:none'>Banks with free
ACH transfers for personal accounts, href="http://ibankdesign.com/board/index.php?showtopic=116" target="_blank"
title="Banks with free outgoing wire transfers">Banks with free outgoing wire transfers,
href="http://ibankdesign.com/board/index.php?showtopic=117" target="_blank"
title="Banks with ATM rebates">Banks with ATM rebates





#1068 Get up-to $50 + unlimited $25 referral bonuses from Bank of America...

Posted by markber on 16 January 2005 - 11:00 AM

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Link to the program

1) If you need a referral, send me your email address. I will fill the referral form on the BofA website (see the link above) and BofA will email you a referral invitation.

2) Once you got BofA accounts opened (and the $50 bonus received), earn unlimited number of BofA $25 referral bonuses by posting your referral offer on iBankDesign referral board.

The program expires on 01/24/07.

The most important rules:

The new customer will receive $25 for opening a personal checking account and $10 for opening a savings account at the same time for a total incentive of up to $35. If the new customer open that savings account with at least $1,000, the incentive will increase to $25 for a total incentive of up to $50. The referrer of this new customer will receive $25, if the new customer qualifies for the checking incentive. Any personal checking account, except CampusEdge®, is eligible for the Customer Referral offer.

Terms:


Offer expires on 1/24/07 and is available in any Bank of America banking center or online when this referral form is presented at the time of account opening. The new customer offer is valid for any new checking account. To receive the offer described, the referee/new customer must not be a current personal checking customer (when opening a new personal checking account) or a current business checking customer (when opening a new business checking account) or Bank of America associate, and the new checking account must remain open for at least 90 days. The referee/new customer is not eligible for this offer if they were a signer on a Bank of America checking account that was closed within the last three months. All accounts are subject to our normal approval process. Not available with any other offer, except that the business referral offer can be used in conjunction with the current two-year monthly fee waiver for business checking accounts. Ask a Bank of America associate for details on the Customer Referral, Business Referral and Student Referral programs.

The new customer will receive the incentive upon verification of qualification in the referral programs. We generally direct deposit the new customer’s total incentive amount into his/her new Bank of America checking account within 90 days of the account opening. If for any reason we are unable to successfully direct deposit the funds, a check will be issued. All referring customers will receive their incentive via check after we verify that the new customer opened a qualifying new checking account. All checks will be issued within 90 days of account opening. We may report to the IRS the value of any premium and any applicable taxes are the responsibility of the recipient. We offer a variety of interest-bearing and non-interest-bearing checking accounts, plus various types of interest-bearing savings accounts. For interest-bearing personal checking accounts, the Annual Percentage Yield (APY) is 0.10% as of 4/6/2006 for any account balance. Eligible savings accounts include Regular Savings, which requires a minimum balance of $100 and has a variable Annual Percentage Yield of 0.50% as of 4/6/2006. These rates may change any time after this date or after the account is opened. Fees could reduce earnings on the account. Transaction limits and excess transaction fees may apply. Please consult a banking center associate, visit www.bankofamerica.com or see our Personal Schedule of Fees or Business Schedule of Fees for more information.

Customer Referral Program incentives: The minimum balance to open a MyAccess Checking® account is $25 ($50 in CT, MA, ME, NH, NJ, NY, PA, RI). The new customer will receive $25 for opening a personal checking account and $10 for opening a savings account at the same time for a total incentive of up to $35. If the new customer open that savings account with at least $1,000, the incentive will increase to $25 for a total incentive of up to $50. The referrer of this new customer will receive $25, if the new customer qualifies for the checking incentive. Any personal checking account, except CampusEdge®, is eligible for the Customer Referral offer.

Note: The extra reward is only paid to the new customer. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. Referral incentives will only be paid to Bank of America customers.


#63 National InterBank

Posted by markber on 24 December 2002 - 05:22 AM

Quick note:

I can recommend National InterBank to high-income customers who can maintain $1500 balance on their checking accounts. If you open both checking and savings accounts in National InterBank and keep $1500 balance on your checking account, you will get 25 free bill payments, $4.50/month ATM rebates, online check images and 2.5% (as of 12/25/2002) APY of Money Market Savings account. If you fail to keep $1500 balance, you will be charged $6 fee for bill payment. APY of National InterBank Savings account is among the highest in the industry (as of 12/25/2002)


I can not recommend National InterBank to low-income customers because its checking account requires $1500 minimum balance to get free bill payment. National InterBank does offer free ATM rebates. However, many online banks offer both free bill pay and ATM rebates with no/very small minimum balance requirement (State Farm Bank, Farm Bureau Bank, Bank of Internet, etc). National InterBank offers this account with no online ACH transfers, email alerts, and e-bills. You can get much better terms elsewhere. For example, the interest checking account of First Internet Bank of Indiana with $500 minimum balance requirement gives you free bill payment, ACH-in transfers, e-bills, email alerts, and ATM rebates. National InterBank is not the best bank for low income customers.

Check also other internet branches of Union Federal Bank:



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