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Capital One® Venture® Rewards Credit Card Review

by Michael Pruser @ Consumerism Commentary

In our 2018 Capital One Venture Rewards credit card review, we look at its 50,000 mile bonus and 2x rewards structure. Is it too good to be true? I use four primary credit cards to buy just about everything. One for my purchases at the grocery store. One for purchases at the pump. Another to […]

The post Capital One® Venture® Rewards Credit Card Review appeared first on Consumerism Commentary.

Online Savings Accounts: Better for Your Money

by banksadmin @ Banks.org

If you’re looking around to choose the best bank for your savings, or are thinking about switching banks to get a better interest rate, you should consider online savings accounts. They offer significant advantages to consumers in terms of higher … Continued

AA Buy Miles Promotion: Get Up to 100,000 miles

by takeoffwithmiles @ Takeoff With Miles

Through Nov 27, 2017, you can get up to 100,000 bonus miles  when you buy AA miles. The number of bonus miles and discount depends on the number of miles you purchase.     To earn the full potential, you need to buy the maximum, which is 150,000 AAdvantage miles. You will pay $4,786.88 for 250,000 miles ...

The post AA Buy Miles Promotion: Get Up to 100,000 miles appeared first on Takeoff With Miles.

Newtown Savings Bank $100 Checking Bonus [CT Residents]

by Tony Phan @ MoneysMyLife

Find updated Newtown Savings Bank promotions and bonuses at this page. Typical bonuses have been for $100, $150 and $200. Established in 1855 and headquartered in Newtown, Connecticut, Newtown Savings Bank has nearly 20 locations throughout the state. If you’re not a CT resident, head on over to our Bank Bonuses page for more suitable […]

BBVA Compass Bank Deals, Bonuses, & Promotions: $50, $100, & $200 Checking & Savings Offers

by Danny Nguyen @ Bank Deal Guy

Find the latest BBVA Compass Bank Deals, Bonuses, & Promotions here at BankDealGuy! BBVA Compass Bank is available physically in a few states but available for residents in 48 contiguous states! Check out excellent checking, money market, savings, certificate of deposit accounts, and more! See below for our list of BBVA Compass Bank Deals. BBVA Compass Bank has numerous... Read More →

The post BBVA Compass Bank Deals, Bonuses, & Promotions: $50, $100, & $200 Checking & Savings Offers appeared first on Bank Deal Guy.

An In-Depth Review of Ally Bank’s Rates

by Sarah Li Cain @ MagnifyMoney

Since it spun off from General Motors auto financing in , Ally Bank has proved to be one of the best online-only banks in the industry. Like most online-only banks, Ally charges minimal fees for deposit accounts and requires low or no minimum balances. Rates on Ally’s checking, savings, CD and money market accounts are … Continue reading An In-Depth Review of Ally Bank’s Rates

The post An In-Depth Review of Ally Bank’s Rates appeared first on MagnifyMoney.

US Bank Checking Bonus

by Bank Bonus @ Checking Account Promos

U S Bank Checking Bonus US Bank The U.S. BANK Easy Checking Account comes with a U.S. Bank Visa® Check Card, Online and Mobile Banking with Bill Pay, and other great features. Or you can open a Silver Checking Package, … Continue reading

Watch Out for This New Tax Scam

by KaToya Fleming @ MagnifyMoney

Tax season can be the most profitable time of year for savvy thieves. And just a week into filing season, the IRS has uncovered a new trick cybercriminals are using to scam you out of your money. The IRS warns tax preparers and consumers about a new scam in which criminals are using consumers’ account … Continue reading Watch Out for This New Tax Scam

The post Watch Out for This New Tax Scam appeared first on MagnifyMoney.

Chase Savings Account Review: $150, $200 and $300 Promotional Codes

by MM Team @ Banking Bonuses – Maximizing Money

The Chase Savings Account is now offering 3 different promotions, including a $150 cash bonus when you deposit $10,000, a $200 bonus when you deposit $15,000, and a $300 bonus when you deposit $25,000. [Read More] Chase Savings Account Review: $150, $200 and $300 Promotional Codes

The post Chase Savings Account Review: $150, $200 and $300 Promotional Codes appeared first on Maximizing Money.

Discover Bank Cashback Checking $50 Bonus

Discover Bank Cashback Checking $50 Bonus


Banklady.com

You can earn a $50 bonus if you’re a current Discover credit card member just for opening a new Discover Cashback Checking Account with a $25 minimum opening deposit through June 30, 2015. An…

Discover Bank Review: Checking, Savings, and CDs | Cash Cow Couple

Discover Bank Review: Checking, Savings, and CDs | Cash Cow Couple


Cash Cow Couple

Vanessa and I have been Discover Bank customers for almost six years. We maintain bank accounts and credit cards with Discover because the company continues to emphasize quality customer service while offering competitive products. In addition to 24/7 customer support (based entirely in the U.S.A), Discover Bank offers competitive interest rates and generous rewards through a … Discover Bank Review: Checking, Savings, and CDsRead More »

Citibank Promotions

by Bank Bonus @ Checking Account Promos

Citibank-Checking-Account Citibank is offering a $100 Bonus to enroll in qualifying digital activities. Each month perform at least one of the following qualifying digital activities and earn a $10 cash bonus. ONLINE BILL PAY, MOBILE CHECK DEPOSIT, OUTGOING POPMONEY® TRANSFERS … Continue reading

Discover it® – Cashback Match™ Review

by Joe Taylor Jr. @ Consumerism Commentary

Learn More The Discover it® – Cashback Match™ makes a habit of saying no. No annual fee, no late fee on your first late payment, and no APR hike for paying late. Discover®’s latest incarnation of cash back cards aims to simplify the relationship between cardholder and card issuer into one of easy cooperation. The […]

The post Discover it® – Cashback Match™ Review appeared first on Consumerism Commentary.

Best Free Checking Account for 2018 - The Simple Dollar

Best Free Checking Account for 2018 - The Simple Dollar


The Simple Dollar

Free checking accounts used to be commonplace, but as banking has grown more sophisticated it's also gotten more expensive. The Internet, though, has made

Best Robo Advisors

by Kevin Mercadante @ Consumerism Commentary

A robo advisor can make it easy to invest in an IRA or taxable account. But how do you choose? Here’s our 2018 list of the best robo advisors for your money. This is something of a controversial topic. There are any number of “best robo-advisors” lists, and they all look a little bit different. […]

The post Best Robo Advisors appeared first on Consumerism Commentary.

First Bank Financial Centre Business Checking Bonus: $300 Promotion (Wisconsin only)

by John Catral @ Bank Checking Savings

Available for business owners of Wisconsin, First Bank Financial Centre is currently offering residents of Wisconsin a generous $300 bonus when you sign up and open any new Business Checking Account. All you have to do to get started is open any new business account at your nearest branch or online, and then have at least 50... Keep Reading↠

The post First Bank Financial Centre Business Checking Bonus: $300 Promotion (Wisconsin only) appeared first on Bank Checking Savings.

Get $10 When You Set Your Discover Card As Default 1-Click Payment on Amazon

by DDG @ Danny the Deal Guru

For a limited time, when you set your Discover card as the default 1-Click payment method at Amazon.com, you will receive a $10 savings on your next eligible Amazon.com purchase made on or before March 31, 2018. Here’s how it works: Click on the ad promoting this offer. On the 1-Click landing page, sign in to…

The post Get $10 When You Set Your Discover Card As Default 1-Click Payment on Amazon appeared first on Danny the Deal Guru.

FDIC Insurance: Protection Against Bank Failure

by banksadmin @ Banks.org

With financial market uncertainty, it is comforting to know that there is a base level of protection for bank accounts held at financial institutions that are insured by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance, which offers coverage for bank … Continued

Chase Premier Plus Checking Coupon Code

by Anthony Nguyen @ Bank Deal Guy

Need a checking designed to help you easily manage your everyday banking needs & earn internet? You can with the Chase Premier Plus CheckingSM Account. Need more than basic checking with online bill pay and mobile banking? Not only can this checking account earn you interest, but you’ll also save money on ATM fees and other select... Read More →

The post Chase Premier Plus Checking Coupon Code appeared first on Bank Deal Guy.

Discover Checking 1% Cash Back On All Debit Card Purchases ($3,000 Cap) - Doctor Of Credit

Discover Checking 1% Cash Back On All Debit Card Purchases ($3,000 Cap) - Doctor Of Credit


Doctor Of Credit

Discover made an update to their Discover checking account on December 13th, 2017. This account now earns 1% cash back on all debit card purchases with a monthly cap of $3,000 in spend ($30 cash back). There are some restrictions to what will earn the 1%, the following exclusions apply: ATM Transactions, cash over portions [&hellip

New Bank Account Promotions 2017

by Bank Bonus @ Checking Account Promos

Open An Online Checking Account with a Bank Promotional Bonus, Best Checking Promo Online, Open a New Checking Account with a $100 Checking Promotion to Open a Checking Account Online. Best Checking Account Promotions in 2015 Online Banking Promotions $100 … Continue reading

Best Bank Deals, Bonuses, & Promotions In Iowa

by Danny Nguyen @ Bank Deal Guy

Editor’s Note: Not your state? No worries, you can click on the state(s) above to see the Best Bank Deals, Bonuses, & Promotions being offered in your state. New to bank bonuses? No worries! See our Beginners Guide To Bank Bonuses. Amongst the sea of corn fields you can find some pretty nice bank bonuses. Here is a... Read More →

The post Best Bank Deals, Bonuses, & Promotions In Iowa appeared first on Bank Deal Guy.

Discover Checking rewards changing

by @scripta @ Discover Checking rewards changing

@scripta wrote:

My guess is paying taxes won’t work (i.e., no rewards), because it’s not a PIN transaction. Even if it works at the beginning, they’ll probably catch on quick. The T&C mentions that certain transactions are excluded from earning rewards.

Read full topic

TD Bank Checking Account Promotions: $150 And $300 Bonuses!

by Tony Phan @ Bank Bonus Guy

Find TD Bank Checking Account promotions for bonus money, smartphones, electronics and more here. You can find 1,300 TD Bank branch locations throughout the following states: Connecticut, District of Columbia, Delaware, Florida, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont. TD Bank has a limited time […]

Discover Checking rewards changing

by @FracturedChaos @ Discover Checking rewards changing

@FracturedChaos wrote:

I actually sent them a message clarifying the terms change a while ago when they first put up notice on their website (and then took it down again for a while). This is the official response:

Effective December 1, 2017, there will be an update to the Cashback Checking rewards. These changes will allow you to earn Checking Cashback Bonus rewards of 1% of qualifying debit card purchases on up to $3,000 in purchases per calendar month. The Checking Cashback Bonus can be earned through both point-of-sale and online purchases.

Please note, the following debit card transactions will not be eligible to earn rewards:
-Any transaction conducted at an ATM
-The cash over portion of any point-of-sale purchase
-The purchase of money orders, or cash-equivalents (currency, coins, negotiable items not yet deposited, U.S. treasury bills and commercial paper)
-Peer-to-Peer (P2P) payments
-Purchases made using third-party payment accounts (services such as Venmo® or PayPal?)

Cashback Bonus will continue to be earned monthly and posted to your Cashback Bonus balance on the Business Day following your statement end date.

For a complete list of changes on all products, please refer to the recent secure message we sent detailing the Deposit Account Agreement changes.

The previous rewards structure of 10 cents per online bill payment/cleared check reward will be ending as of 11/30/2017.

That said, I dont use debit cards at all, for anything, so I would not benefit. In my case, the program change is not for the better. Does anyone know of other banks that offer cash back on billpay/cleared checks, since Discover is doing away with their program?

Read full topic

Requirements to Get Your Personal Loan Approved

by Marty Minchin @ MagnifyMoney

For the right consumers, personal loans can be a quick way to get much-needed cash for anything from a home repair to a college tuition. With the right qualifications, you can be approved for a personal loan in the morning and have the cash deposited into your account in as little as one day depending … Continue reading Requirements to Get Your Personal Loan Approved

The post Requirements to Get Your Personal Loan Approved appeared first on MagnifyMoney.

Discover Checking rewards changing

by @Griz @ Discover Checking rewards changing

@Griz wrote:

currently they offer CB on bill pay? I never knew…

Read full topic

Legacy Texas $200 Checking Bonus [TX] (Current Clients Only)

by Danny Nguyen @ Bank Deal Guy

Existing LegacyTexas clients now have the opportunity to earn a $200 checking bonus when you open a new Maximum Checking Account and meeting certain requirements. Below is all the information and details you need to earn your Legacy Texas $200 Checking Bonus! Legacy Texas $200 Checking Bonus Summary To earn your Legacy Texas $200 Checking Bonus, simply open... Read More →

The post Legacy Texas $200 Checking Bonus [TX] (Current Clients Only) appeared first on Bank Deal Guy.

Discover Cashback Checking Change to 1% CB :-(

Discover Cashback Checking Change to 1% CB :-(


PhatWallet

Instead of the .10 per transaction. Really enjoyed paying bills a $1.00 at time. I couldn’t tell from the blurb when the change will be effective. Any suggestions for a high transaction checking accounts? If not, may just transact out of my CCU RCA.

$100 Bank Bonus – Citizens Bank Checking Account

by Bank Bonus @ Checking Account Promos

Citizens Bank Bonuses 2014 Citizens Bank Promotions Citizen’s Bank Bonus #1 Citizens Bank Promotions Earn a $100 Bonus from Citizens Bank when you open a new personal checking account and use Direct Deposit. With Everyday Points®, earning rewards is faster … Continue reading

Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available

by MM Team @ Banking Bonuses – Maximizing Money

Check out these Chase Bank bonus coupon codes to earn a $150, $200, $350, or even $500 cash reward when you open a new Chase checking account or savings account including business accounts, plus there is a new $500 Chase combo link available through March 3, 2018. [Read More] Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available

The post Chase Bank Bonus Coupon Codes – $150, $200, $350, $500 – New $500 Combo Link Available appeared first on Maximizing Money.

United MileagePlus Explorer Card 50,000 Bonus Miles + $100 Statement Credit + 5,000 Bonus Miles When You Add an Authorized User + 2X Miles on United Airlines

by Anthony Nguyen @ Bank Deal Guy

When you open a United MileagePlus Explorer Card, you will earn 50,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, as a travel benefit, you’ll receive 2 United Club passes each year for your cardmember anniversary – over a $100 value. To top it all off, you can get a... Read More →

The post United MileagePlus Explorer Card 50,000 Bonus Miles + $100 Statement Credit + 5,000 Bonus Miles When You Add an Authorized User + 2X Miles on United Airlines appeared first on Bank Deal Guy.

How Many Savings Accounts Do You Need?

by Abby Hayes @ Consumerism Commentary

Back in the day, we had just one savings account. Mine came with a passbook. Now we ask–how many savings accounts do you need? We have the answer. These days, more banks are offering low- or no-fee savings accounts. This can make it tempting to open a lot of different accounts. And, in some cases, […]

The post How Many Savings Accounts Do You Need? appeared first on Consumerism Commentary.

Ally Invest Review

by Kevin Mercadante @ Consumerism Commentary

Ally Invest offers is a low cost and very easy to use online broker. Formerly TradeKing, we cover all of its features and costs in this review. You’ve probably heard about Ally Bank. They’re perhaps the best-known online bank, offering some of the highest interest rates available on savings accounts and certificates of deposit. As […]

The post Ally Invest Review appeared first on Consumerism Commentary.

PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

by Lindsay VanSomeren @ MagnifyMoney

PenFed Credit Union—also known as Pentagon Federal Credit Union—got its start in 1935. Since then, it has grown to become one of the largest credit unions in the country, with over 1.6 million members and $24 billion in assets. While it does offer in-person branches, anyone can also access their accounts online. Like most credit … Continue reading PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

The post PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts appeared first on MagnifyMoney.

Chase Freedom Credit Card $150 Bonus + 5% Quarterly Cash Back + No Annual Fee

by Anthony Nguyen @ Bank Deal Guy

Compare this card with other cash back cards here. With the Chase Freedom® Card, you can earn a $150 bonus after you spend $500 on purchases during your first 3 months of opening an account! Additionally, you can enjoy a 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited... Read More →

The post Chase Freedom Credit Card $150 Bonus + 5% Quarterly Cash Back + No Annual Fee appeared first on Bank Deal Guy.

LifeLock Review: Is It Worth It?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey Reviews

Protecting yourself against identity theft seems like it's worth its weight in gold. Do you really get as much protection as you think with services like LifeLock? Find out below.

Last year more than 143 million people had their personal information exposed during the Equifax hack. This demonstrates just one of the thousands of security breaches that happen each year. LifeLock claims to protect your identity from these types of incidents beyond what a basic credit freeze offers.

LifeLock claims to monitor more than just your credit. They monitor the dark web, unauthorized address changes, online scams, and public records. The depth of the monitoring you get depends on the chosen plan. LifeLock also offers identity theft restoration services and 24-hour customer service.

With a LifeLock membership, you can monitor one driver's license number and Social Security number. But you can monitor up to 10 credit cards and/or bank accounts. You may also enter up to five home addresses, email addresses, and phone numbers.

Who Is LifeLock Best For?

  • If you are at high risk for identity theft: Consumers who aren't proactive in their attempts to protect identity theft may benefit from the service. While LifeLock can't prevent identity theft, it can alert members of a breach. Think of it like an alarm system. The crime has been committed, but now you can attempt to minimize the damages.

  • If you don't know how to recover from identity theft: Identity theft is overwhelming. Victims must take several steps to stop the perpetrator from doing more damage. There could also be damages that must be undone, such as unauthorized accounts opened in their name or fraudulent use of medical insurance/benefits. LifeLock's bread and butter is their restoration services, helping victims put their lives back together.

  • If you don't regularly check your credit and/or financial accounts: Checking your credit reports, monitoring bank statements, and watching your credit card accounts is time-consuming. If you aren't vigilant about watching these accounts, LifeLock may give you a little peace of mind knowing you may receive an alert if something is amiss.

Why We Like LifeLock

  • Learn of a breach early: There's no foolproof way to prevent identity theft or fraud. What LifeLock offers, though, is quick notification of certain adverse actions on your accounts. This gives you the chance to try to minimize the damages before they get out of hand.

  • Restoration services help repair the damage: After you experience identity theft or fraudulent account activity, LifeLock's agents offer their services in fixing the problem. They may not be able to fix everything, but having their expertise on your side may help.

  • Reimbursement for loss funds: Each of LifeLock's plans offer coverage, similar to an insurance policy for lost or stolen funds. However, their reimbursement is subject to many restrictions, especially if another insurance policy or financial institution will cover the loss.

  • User-friendly platform and app: Members can access the LifeLock member portal on their PC, laptop, or mobile device. In the platform, members have access to their account information as well as all alerts, whether critical or non-critical. Members can view the alerts at their leisure and determine what/if anything they must do.

  • Multiple alert options: LifeLock offers several alert options to make sure you are aware of a potential situation. They offer alerts via phone, email, and text. You can also customize the alerts you receive, changing thresholds for various accounts based on your needs.

  • 24/7 customer service 365 days a year: LifeLock representatives are available for questions and concerns 24/7 every day of the year. However, any restoration services are only available during business hours.

  • Lost Wallet Protection: Losing your purse or wallet may put you at risk for identity theft and/or credit card fraud. LifeLock offers assistance in handling the tasks necessary to stop anyone from using the lost information. They include this service in all 3 plans.

  • Scans a trillion data points regularly: LifeLock claims to scan a trillion data points daily. The exact data points they scan will determine how well it protects you. However, it's likely more than you would scan yourself, and even a small bit of protection may help.

  • Monitors accounts rather than freezes them: A credit freeze prevents thieves from accessing your credit information moving forward. If you were already hacked, though, the criminals have what they need. Monitoring may help alert you of any new activity even after you freeze your credit.

Why You Might Look Elsewhere

  • Only one credit bureau monitored with the first two plans: You have to pony up and pay for the most expensive plan to get monitoring of all three credit bureaus. Since not all companies report to all three bureaus, you may not have the protection you need.

  • Limited coverage guarantee: Despite their million dollar coverage guarantee, there are many limitations. If your identity is stolen or accounts hacked into, it must be due to some failure or defect on LifeLock's behalf for the guarantee to take effect. If LifeLock did what they promised and you still got hacked, the guarantee may not apply.

  • No family plan: If you want to protect more than one family member, such as a spouse or child, you have to pay for separate plans. This could get costly depending on how many family members you want to protect.

Plans

All plans include the following:

  • Dark web monitoring
  • LifeLock Privacy Monitor
  • Notification of unauthorized address changes
  • Lost Wallet Protection
  • Alerts for Social Security number breaches

In addition to the basic features, LifeLock has three tiers to choose from:

  • LifeLock Standard: As the cheapest plan available, this plan monitors one credit bureau and provides up to $25,000 reimbursement for stolen funds.

  • LifeLock Advantage: The mid-plan still only monitors one credit bureau, but they also provide the credit score from that bureau. It also offers bank account and credit card monitoring and notifications of data breaches. LifeLock will also provide crime reports for your area and report on any fictitious identity issues.

  • LifeLock Ultimate Plus: The largest plan offered provides all of the above benefits, plus monitoring of all three credit bureaus with credit scores. You may also request monthly credit scores from one credit bureau; however, it is the Vantage 3.0 score, not FICO. You can also opt to have certain investment accounts monitored and receive alerts of bank account takeovers. LifeLock also provides priority customer service for Ultimate Plus members.

Keep in mind: LifeLock does not do business with all banks, credit card companies, or financial institutions. Their scans may miss issues with specific companies if they are not within the LifeLock network.

Customer Service

LifeLock's customer service seems to be where they shine. With accessibility around-the-clock, either on the phone or online chat, customers can ask questions and address concerns any time of day or night. If you experienced identity theft of credit card fraud, you'll need to wait until business hours to secure any restoration services, though. Chances are this is due to the representative's need for access to the bank and credit card companies that operate during business hours.

LifeLock also offers a breadth of customer service options online. Their member portal is user friendly and provides all up-to-date information about your account statuses. Their website also offers a multitude of resources that may either answer your question or help you figure out what to do next.

Customer Service Phone Number: 1-800-416-0599

How to cancel: If you obtained your LifeLock service directly from LifeLock, call 1-800-LIFELOCK (543-3562). You can also cancel via your member portal. If you obtained the service through a third-party, you must contact the third-party to cancel.

How It Compares

  • Identity Guard: With Identity Guard, you get basic identity protection with the exception of driver's license number monitoring. They offer a breadth of services that monitor what happens on your accounts, but they lack the restoration services needed to pick up the pieces. Their customer service is more of an "advice line" than professionals fixing the problem.

  • ID Shield: With ID Shield, you get a $5 million guarantee if your identity is stolen, and you can monitor up to 2 adults and 8 children on one plan. However, they only monitor one credit bureau (TransUnion), no matter which plan you choose. In the event that your identity is stolen; however, you have access to private investigators who also help you restore your identity and/or accounts.

  • IdentityForce: With IdentityForce, you get more than financial protection. They monitor social media sites, blogs, and court records too. Their most basic plan includes most everything LifeLock's most expensive plan offers. However, they do not offer a family plan.

Bottom Line

So is LifeLock worth it?

If you are willing to pay for credit monitoring because you won't do it yourself, it may give you a little more protection against identity theft. Keep in mind that there's no way to completely prevent someone from stealing all or part of your identity. If you are not proactive in keeping your passwords secure and monitoring your accounts on a regular basis, it might be worth the peace of mind to know when something is amiss.

LifeLock Review: Is It Worth It? appeared first on CreditDonkey

New Bank Account Offers

by banksadmin @ Banks.org

You may have received the offers in the mail or heard about it online: banks are handling out cash bonuses to new customers that open a savings or checking account. These offers can range from $25 on up to $300. … Continued

CIT Bank Review: High-Yield Savings and No-Penalty CD

by Jacob Lumby @ Cash Cow Couple

In our current low-interest rate economy, I’m always on the hunt for banking products that offer a competitive interest rate. With my local big bank offering a measly 0.04% interest rate on my checking account, I turned to the internet to find something better and came across several glowing reviews of CIT Bank. As many …

CIT Bank Review: High-Yield Savings and No-Penalty CDRead More »

The post CIT Bank Review: High-Yield Savings and No-Penalty CD appeared first on Cash Cow Couple.

Chase Bank $200 Checking Bonus [Many States]

by Danny Nguyen @ Bank Deal Guy

Ranking as one of the top banks in America, you are making the right choice banking with Chase! Opening a new Chase Total Checking® Account offers you the potential to earn a $200 Checking Bonus by applying in-branch ! With over 5,100 branches in AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KY, LA, MA,... Read More →

The post Chase Bank $200 Checking Bonus [Many States] appeared first on Bank Deal Guy.

USAA Online Bank Review

by banksadmin @ Banks.org

Online banking can some times be tricky to navigate but banks like USAA, make it easy. It is a one stop bank for all needs such as banking, insurance, and loans.   The Upsides: USAA offers more than just a debt … Continued

Discover Checking rewards changing

by @Cheap @ Discover Checking rewards changing

@Cheap wrote:

One interesting thing that I understand from the terms was that they are limiting 5 checking accounts per person opened before December, but then they will allow only one per person starting December 1st. That is how I read it anyways.

Personally, I am moving on from Discover deposit products after my 10 cents rewards go away but this might be helpful to someone.

Read full topic

Ally Bank Online Savings Account: Earn 1.45% APY Rate [Nationwide]

by Danny Nguyen @ Bank Deal Guy

Available nationwide, Ally Bank is offering you a 1.45% APY on your funds for opening a new Ally Bank Online Savings Account. Below is all the information you need to earn 1.45% APY Rate on your funds when you open an Ally Bank Online Savings Account. Ally Bank Online Savings Account Summary Here is your opportunity to earn a an interest... Read More →

The post Ally Bank Online Savings Account: Earn 1.45% APY Rate [Nationwide] appeared first on Bank Deal Guy.

JetBlue Credit Card Now Offers Highest Ever 60,000 Point Sign-Up Bonus

by Colin Robertson @ The Truth About Credit Cards.com

The JetBlue credit card from Barclaycard is currently offering its highest sign-up bonus ever, a full 60,000 TrueBlue points when you spend a mere $1,000 in the first 90 days from account opening. This is double the normal offer of 30,000 TrueBlue points for the same spending requirement and annual fee. In other words, you … Continue reading "JetBlue Credit Card Now Offers Highest Ever 60,000 Point Sign-Up Bonus"

$5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay

$5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay

by Nick Reyes @ Frequent Miler

Three nice Sears ShopYourWay points promotions have popped up today: one promotion awards $5 in ShopYourWay points with every Uber ride over the next few days. The other two promotions are unrelated to travel but may also be of interest: buy $60 in winter clothes and get $60 in ShopYourWay points. Deal #1) Shop Your Way & Uber The Deal Earn $5 in Sears ShopYourWay Cashback for every Uber ride from February 13-15 Must first link your ShopYourWay…

The post $5 back per Uber ride, $60 back on $60 in winter clothes with Sears ShopYourWay appeared first on Frequent Miler.

Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI

by MM Team @ Banking Bonuses – Maximizing Money

Earn up to $200 in bonus cash with a consumer checking account when you enroll in eStatements and have at least 1 $500 direct deposit, available at various community banks in Arizona, California, Colorado, Illinois, Iowa, Kansas, Missouri, Montana, New Mexico, and Wisconsin. [Read More] Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI

The post Heartland Financial USA – $200 Consumer Checking Account Bonus – AZ, CA, CO, IA, IL, KS, MO, MT, NM and WI appeared first on Maximizing Money.

PNC Virtual Wallet Online Banking Review

by banksadmin @ Banks.org

PNC Bank features over 2,600 branch locations throughout the country. If you aren’t in one of the 19 states where PNC operates, you can still enjoy their fully online banking. The Virtual Wallet is a unique financial approach that makes saving … Continued

SunTrust Bank Business Checking Account $200 Bonus Offer

by MM Team @ Banking Bonuses – Maximizing Money

SunTrust Bank will give you $200 in bonus cash when you open a new SunTrust Business Checking account and make $1,500 in qualifying deposits within 30 days, available for businesses in Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, Washington D.C., and West Virginia. [Read More] SunTrust Bank Business Checking Account $200 Bonus Offer

The post SunTrust Bank Business Checking Account $200 Bonus Offer appeared first on Maximizing Money.

Bank Of The West Review: $150 Checking Account Bonus

by Tony Phan @ MoneysMyLife

Get the latest Bank of the West bonuses and promotions here. There are branches in the following states: AZ, CA, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY. Typical promotions for Checking accounts have been for $150, $200 and $300. They also oftentimes have promotions for their investment services […]

$150 Checking Bonus at First Tennessee Bank

by CashBonusMoney @ Cash Bonus Money

Get $150 checking bonus when open a new First Tennessee Bank checking account by April 30, 2018. You will need to make opening account of $300 and direct deposit as qualification merit. How do you get the $150 checking bonus promotion at First Tennessee Bank? You must open the checking account online here. If you unable to […]

Review of the Blue Business Plus Credit Card from American Express

by Brendan Harkness @ Credit Card Insider

The Blue Business Plus Credit Card from American Express provides a simple way for business owners to earn American Express Membership Rewards points. There are no bonus reward categories to keep track of. And with no an annual fee, you can potentially take advantage of this offer completely for free. Since it’s a credit card […]

The post Review of the Blue Business Plus Credit Card from American Express appeared first on Credit Card Insider.

Huntington Bank Coupons: $150, $200, $300, $500, & $750 Deals, Offers, & Promotions

by Danny Nguyen @ Bank Deal Guy

Huntington Bank Coupons, Coupon Codes, Promo Codes, Bonuses, Deals, Offers, and Promotions for their Checking, Savings and Business accounts can all be found here. Huntington Bank Coupon & Bonus Promotions are constantly updated throughout the year, so bookmark this page or check back on our Huntington Bank Deals, Offers, Bonuses, and Promotions master post for updates. Check out... Read More →

The post Huntington Bank Coupons: $150, $200, $300, $500, & $750 Deals, Offers, & Promotions appeared first on Bank Deal Guy.

Do This Now: Discover Checking $300 w/ 2 $250 DD. $100 Savings Bonus w/ $5000 DD.

Do This Now: Discover Checking $300 w/ 2 $250 DD. $100 Savings Bonus w/ $5000 DD.


frugalmilitarymoneyguy

  One of the most military-friendly banks, Discover, is offering a $300 CashBack checking account bonus with 2 $250 Direct Deposits and a $100 savings account bonus with a $5000 opening deposi…

Discover Bank Promotions: Online Savings 1.40% APY Rate, 1.76% APY 12-Month CD, 1.00% Cashback Checking

Discover Bank Promotions: Online Savings 1.40% APY Rate, 1.76% APY 12-Month CD, 1.00% Cashback Checking


Bank Checking Savings

Discover Bank Promotions are available for the convenience of everyone nationwide with many products to select from to meet your individual banking needs. The offers are easy to qualify for and usually requires you top open just an eligible account and meet the necessary requirements.  Discover has been quite known for some time now for their exceptional CD Rates and IRAs with terms of up to 10 years and APY of 2.45% APY, as well as Money Market Accounts. 

Ally Bank Savings Account Review

by Rob Berger @ Consumerism Commentary

I’ve banked with Ally Bank for years, opening both a savings account and CD. In this Ally Bank review, we’ll look at rates, fees and account types. Just over ten years ago, General Motors was having trouble remaining in business. Its subsidiary that provided customers financing for automotive purchases, GMAC, converted to a bank holding […]

The post Ally Bank Savings Account Review appeared first on Consumerism Commentary.

How to Enroll in Chase Online Bill Pay

by Anthony Nguyen @ Bank Checking Savings

Got a busy schedule and need to pay your bills on time? Chase Online Bill Pay allows you to bank on your own schedule. Save time and money by taking care of any recurring bills without the hassle of writing or check or paying for postage. Essentially, this Chase feature allows you to automatically set... Keep Reading↠

The post How to Enroll in Chase Online Bill Pay appeared first on Bank Checking Savings.

Delta award sale to/from Seattle and Portland

Delta award sale to/from Seattle and Portland

by Nick Reyes @ Frequent Miler

Delta is offering an award ticket flash sale sale on flights to and from Seattle and Portland. Round trip flights are advertised to start from 12,000 miles round trip — though some routes are even cheaper. The Deal Delta flash sale on flights to and from Seattle and Portland, with prices from 12,000 miles round trip. Direct link to the promotion landing page Key Terms Must book by 11:59pm ET February 14th, 2018 Valid for travel between April 15 and June 9,…

The post Delta award sale to/from Seattle and Portland appeared first on Frequent Miler.

$5 per referral from Ebates

by CashBonusMoney @ Cash Bonus Money

If you do great deal of online shopping, you should consider Ebates to get some cash back bonus. This is a great offer from Ebates! If you have never used Ebates – here is an opportunity to earn cash bonus money. They are currently offering a extra bonus to current members if you refer a friend […]

IHG PointBreaks list: Oct 30, 2017 – Jan 31,2018

by takeoffwithmiles @ Takeoff With Miles

IHG has updated the list of PointBreaks hotels. IHG Rewards club members can book these hotels for just 5,000 points/night for stays between Oct 30,2017 and Jan 31, 2018 Right now, IHG is offering 100% bonus on points purchase. You could get buy points at the rate of 0.575 cent/point, which means 5,000 points would ...

The post IHG PointBreaks list: Oct 30, 2017 – Jan 31,2018 appeared first on Takeoff With Miles.

Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

by Lindsay VanSomeren @ MagnifyMoney

Most Americans probably think of fancy white-collar stock traders on Wall Street when they think of Goldman Sachs, a global investment firm that’s been around since the late 19th century. In recent years, Goldman made a major pivot, launching a new arm of the company called GS Bank, which would provide internet-only savings accounts to … Continue reading Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

The post Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans appeared first on MagnifyMoney.

American Express Personal Savings Account Review

by Jim Wang @ Wallet Hacks

American Express (AMEX) is best known for their credit cards but they do much much more. Credit cards is where they started, many years ago, but now they offer bank accounts too. We know they have great perks on their credit cards, but what about their bank products? Their high yield savings account is called […]

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Five Star Bank Checking Account Bonus: $250 Promotion (New York Only) *In-Branch*

by Howard Young @ Bank Checking Savings

Are you interested in making free money? Five Star Bank is currently offering qualified residents of New York a $250 bonus when you apply and qualify for a new Premier Checking Account by April 30, 2018. To get started, you must open a new account in-branch. For those who are not familiar with the current promotion, you... Keep Reading↠

The post Five Star Bank Checking Account Bonus: $250 Promotion (New York Only) *In-Branch* appeared first on Bank Checking Savings.

American Express Platinum Delta SkyMiles Business Credit Card Review: 5,000 MQM + 35,000 Delta Skymiles + $100 Statement Credit

by Anthony Nguyen @ Bank Checking Savings

The Platinum Delta SkyMiles Business Credit Card is currently offering 35,000 Delta Skymiles and 5,000 Medallion® Qualification Miles (MQMs)  when you spend $1,000 in purchases within the first 3 months. Additionally, you can get a $100 Statement Credit when you make a Delta purchase within the first 3 months. For every 5,000 bonus miles redeemed, that’s $50 off... Keep Reading↠

The post American Express Platinum Delta SkyMiles Business Credit Card Review: 5,000 MQM + 35,000 Delta Skymiles + $100 Statement Credit appeared first on Bank Checking Savings.

Chase Total Checking Coupon Code

by Anthony Nguyen @ Bank Deal Guy

The Chase Total Checking® account is Chase Bank’s most popular checking account, and one of the best checking accounts among all major banks. It’s also the most simple checking account offered by Chase and it’s very easy to use! Some great features that you can expect are online banking, bill pay, mobile banking services, plus... Read More →

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Best Discount Broker

by feedback@creditdonkey.com (Kim Pinnelli) @ CreditDonkey Reviews

The best online broker offers low fees, great customer service, and smart research tools. Find the best discount brokerage to consider.

Discount brokers charge as little as $4.95 for online trades. Compare that to the $100+ that many full-service brokers charge. It seems like a no-brainer choice to choose the discount broker. But, you must know how to pick the right one.

Because trading online is a self-directed practice, you need the right broker backing you up. Read our in-depth guide on our choices for the top discount brokers today.

What Is a Discount Broker?

First, let's look at the definition of a discount broker.

As the name suggests, discount brokers cost much less than a full-service broker. But, their services are much more limited. Basically, they execute your orders to buy or sell your investments. They do not provide advice. In other words, you won't speak to a person when you execute your trades. The upside? You won't have someone trying to upsell you or get you to invest in things you don't want to invest in.

However, this does not mean you don't get support. Many discount brokers do offer in-person customer service for those times when you are better off talking to someone. Plus, many of them offer online resources and tools. Some even have tutorials or mock trading platforms to help you get the hang of investing.

The bottom line is a discount broker costs you much less money per trade. You won't have the steep commissions that full-service brokers charge. What this means is more cash in your pocket and the opportunity to make more trades.

Why Use a Discount Broker

So why would you choose a discount broker over a full-service broker? The main reason is the cost. But here we will break down who would do better with a full-service broker and who could get by with a discount broker.

Who Needs a Full-Service Broker?

If you answer "yes" to the following questions, you may be better off with a full-service broker:

  • Do you have a large number of large investments?
  • Do you not have time to manage your portfolio effectively?
  • Do you not have the desire nor the know-how to handle your portfolio?
  • Can you afford high commission fees?

If you answered "yes" to each of these questions, a full-service broker might be the best option. Expect to pay between $150 and $200 for each trade, though.

Watch out for annual fees and/or maintenance fees in addition to per trade fees. Full-service brokers often include these charges in their agreement.

Who Needs a Discount Broker?

Typically, the "average" investor does just fine with a discount broker. Answer the following questions to see if you qualify:

  • Do you want to save money on each trade made?
  • Do you like to be in control of your investments?
  • Do you not want to be bothered with upselling or pressure to take other investments?
  • Do you make frequent trades?

If you answered "yes" to these questions, you may fare just fine with a discount broker.

What to Look for in a Discount Broker

Once you decide a discount broker is the way to go, you still have many decisions you must make. A quick search online will give you many options. Before you get overwhelmed, consider the most important factors:

  • Cost: This probably goes without saying. You want a broker that you can afford, but don't jump at the cheapest broker just yet. Consider all of the fees, not just the advertised ones. You might find a broker that advertises super low commissions, but doesn't readily advertise the other fees. Call them hidden fees or extra fees; the bottom line is that they cost you more than what's advertised. Ask about annual fees, maintenance fees, inactivity fees, and transfer fees.

  • Minimum deposit/balance: Some brokers require a minimum deposit to open the account. Others don't have a minimum. Yet others require a minimum average balance over the life of the account. Determine what you can afford to keep in the account if choosing accounts with a minimum requirement higher than $0.

  • Customer service: The level of customer service you want is a personal decision. Take a trial run on any broker's website that you are considering. Check out the support they have readily available on their website. But you should also email and call them with questions. See how long it takes to get an answer. This can help you decide which broker provides the level of support you need.

  • Tools: Online brokers offer a varying amount of tools. They include retirement calculators, market analysis, comparison charts, and research tools. Consider whether you need in-depth research tools or if you are a more basic investor. There are online brokers for both types of investors. Knowing what will help you be successful will help the decision.

Best Discount Broker

Here are the top discount brokers according to our research.

Best Discount Broker for Investors on a Budget

Ally Invest is one of the cheaper discount brokers, but they offer barebones services. It's best for beginning investors with an education in trading stocks and bonds. You won't receive a lot of guidance, but you also won't receive a lot of bells and whistles. This is why we recommend it for the new investor who understands the markets.

We love the fact that every trader gets access to the trading platform. On the dashboard, you'll have access to quotes in real-time and as much information as you want. You can filter your results to suit your needs. If you want full information on one security, you can get as many details as you want on it. Would you rather compare two or more securities on one page? You can do that too - you are in full control of what you see.

If you love research and advice, you'll get that and more with the community forums on Ally Invest. Do you want to rub noses with the industry experts or see what other traders are trading? You can do this and more with Ally Invest's forums. You can obtain feedback on your strategies, check out the 50 most active stocks at any given time, and chat with other investors.

Best Discount Broker for Research

TD Ameritrade may charge more than some of the cheaper alternatives, but they offer unparalleled research options. No matter how large your portfolio, you have access to the ThinkorSwim platform. What is normally a "premium platform" with other brokers is available to every investor with TD Ameritrade. The platform offers extensive research opportunities, instructional videos, real-time quotes, charts, and studies. You can even test out some of your strategies based on historical information to see how you would do.

Aside from the premium platforms, we love that there is no minimum deposit requirement to trade with TD Ameritrade. This means you can start trading as soon as you open an account. Other brokerages make you wait until your balance hits a specific threshold.

We also love the breadth of customer service available from TD Ameritrade. Investors have access to 24/7 customer service, both online and on the phone. You can email, chat online, or call customer service. You'll typically receive an immediate response for your questions or concerns.

Because of their more costly commission, TD Ameritrade is good for the beginning-to-moderate investor who won't make frequent trades. The higher cost gives you access to research and tools that don't hold a candle to the other brokerages. But, if you trade frequently, the higher commissions can eat into your profits.

Best Discount Broker for Frequent Traders

If you are a frequent trader, you need lower commissions. If not, those costs can really eat into your profits. E-Trade offers frequent traders a nice discount, which is why we chose it for frequent traders. While $6.95 per trade is equal to TD Ameritrade, traders save $2.00 per trade when they have more than 30 trades in a quarter.

E-Trade offers a variety of customer support tools, making it great for beginning and intermediate investors. The basic E-Trade platform works well for most investors, as it offers real-time quotes, charting, analysis and more. All investors also have access to the OptionsHouse platform. This is a slightly more advanced platform, but is still easy enough for the new investor to navigate. Frequent investors (making more than 30 trades per quarter) also have access to a third platform called E-Trade Pro. This platform is similar to ThinkorSwim. Investors have access to trading ideas and are able to test their ideas out on real investments.

Keep in mind that if you want to try out E-Trade's numerous platforms, you'll need at least a $500 initial deposit. This sets E-Trade apart from many of the other discount brokers and is something to consider when choosing a discount broker. Frequent traders often have at least $500 to trade, and benefit from the lower pricing tier offered at E-Trade.

Best Discount Broker for Customer Service

Fidelity is known for their mutual funds, but they are a great discount broker too. If you value top-notch customer service, this is the brokerage firm for you. Fidelity has built up its reputation of providing prompt customer service. You can reach them by phone, email, or live chat online, all of which are available 24/7.

Fidelity is also very strong in the research department. They offer an array of third-party reports for each quote you pull. If you are an avid researcher, you'll love the speed at which you can have multiple reports at your fingertips. Sometimes time is money, of which Fidelity will save you plenty with this service.

Fidelity's platform gets good reviews regarding ease of use and services it provides. Beginning investors have access to plenty of research and screeners. This helps make it easy to get the information needed to make a trade. They also offer their platform as a mobile app, making it easy to make investment decisions on-the-go.

However, if you want more advanced trading options, you'll need to make at least 36 trades in a rolling 12-month period. The Active Trader Pro offers more filters; the ability to store trades for future use; and better customization.

Other Brokers to Consider

  • Merrill Edge: A great option for those with a lot of capital to invest and who relish great customer service.

  • Charles Schwab: Investors both new and experienced do well with this broker's user-friendly platforms for infrequent and active investors.

  • Interactive Brokers: Reserved for investors with advanced needs and active traders with at least $10,000 to invest.

  • Tradestation: Once a platform for pros, this broker is now useful for beginners and advanced traders that will keep their money put. They do have a $125 outgoing transfer charge, which is on the high side.

  • Capital One Investing: This platform is perfect for traders just starting out or those who want an automatic investment option. Capital One offers discounted commissions as low as $3.95 for automatic investments.

There Are Other Options Too

Discount brokers can save you a lot of money and put you in the driver's seat of your portfolio. But they aren't for everyone. Following are a couple of other choices you may want to consider:

  • Robo-Advisors: If you can handle a completely "hands-off" approach, robo-advisors can save you even more money. The automated system uses an algorithm to invest your money for you. After you input your risk thresholds and investment goals, the computer does the rest. The fees vary, but companies like Betterment charge one annual fee based on your account balance.

  • Peer Lending: If you want to stay away from stocks and bonds for now, consider peer-to-peer lending. You decide how much money you want to invest and what type of risk you want to take. The minimum investment is often as low as $25. You can break your investment up into as many loans as you want. This helps diversify your portfolio with companies like Lending Club or Prosper.

  • Full-Service Broker: If you have a lot of money to invest or need that in-person advice, a full-service stockbroker is an option. You'll find them at your larger brokerage houses, like Merrill Lynch, but keep in mind that their commissions are much higher than discount brokers. Expect to pay $100 - $200 per trade versus $4 - $7 per trade.

Common Questions

  • What is an account minimum deposit?
    Many discount brokers don't allow traders to start trading until their account reaches a specific threshold. For example, Charles Schwab requires a $1,000 minimum deposit to open a Schwab One account.

  • What are account maintenance fees?
    The account maintenance fee is separate from the per trade fee. It's important to read the fine print to see what brokers may charge. For example, some brokers charge a 0.5% annual maintenance fee. Others only charge the fee if your balance dips below their required threshold. Always read the fine print to make sure you know what the account will cost.

  • What is a margin account?
    If you meet the Federal minimum deposit requirements, you may be able to buy on margin. This means you put a percentage (usually 50%) down on the investment and borrow the other half. The broker charges you interest and holds your securities as collateral.

  • How do you withdraw funds from your brokerage account?
    You can request a withdrawal of your funds at any time. The request must be in writing. You usually have the option of a wire transfer, ACH electronic transfer, or a check mailed to you. If you do choose the wire transfer, most brokerages charge a wire fee of as much as $50 per transfer.

  • How do you open a discount brokerage account?
    If you are opening a cash account, you'll need to provide your personal identifying information (name, address, social security number, and driver's license number). You'll also need to provide your employment information, income, and net worth. You'll also need the funds to open up the account and start trading.

The Bottom Line

Using a discount broker is a great way to trade and keep your profits. Choose your broker wisely by paying attention to hidden fees and understanding account minimums. A discount broker is a great way for beginning and experienced investors alike to invest in their future.

Best Discount Broker appeared first on CreditDonkey

Discover Checking rewards changing

by @Stubtify @ Discover Checking rewards changing

@Stubtify wrote:

I’m going to get my $200 bonus they denied me one way or another. Can’t say I like the $3k cap but still better than the current $10/mo.

Thanks OP.

Read full topic

The Best Current and Historical Bank Interest Rates — February 2018

by Rob Berger @ Consumerism Commentary

We’ve tracked bank rates since 2008. The latest list shows the best bank interest rates available nationwide as of February 2018 (with daily updates). Since many banks are constantly updating their interest rates offered on savings, money market and checking accounts, this chart should come in handy. On the 1st of every month, this page […]

The post The Best Current and Historical Bank Interest Rates — February 2018 appeared first on Consumerism Commentary.

Ally Bank Review of Deposit Rates as of February 2018 | MagnifyMoney

Ally Bank Review of Deposit Rates as of February 2018 | MagnifyMoney


MagnifyMoney

Ally is a leader in online banking and they consistently offer competitive interest rates on their banking products. Find out more in our Ally Bank review.

Earn $10 in Free Bitcoin With New Coinbase Accounts

by Tracy Banks @ Banklady.com

Coinbase is running a promotional offer if you’re looking to invest or become part of the new digital wallet revolution. While some experts say it’s a bad time to get in while Bitcoin has topped $10,000 USD some are saying the run on this bull has just begun. The offer is Free $10 in Bitcoin […]

Get $50 Cashback Bonus With Android Pay And Discover Card [Targeted]

by takeoffwithmiles @ Takeoff With Miles

You could get $50 cashback bonus in total, when you use the Discover card with Android pay. Through July 31, 2017, you can get $5 cashback bonus on your first 10 transactions with Android pay using Discover card.     This is a targeted offer, check your email to find out if you are one ...

The post Get $50 Cashback Bonus With Android Pay And Discover Card [Targeted] appeared first on Takeoff With Miles.

M&T Bank Deals, Bonuses, & Promotions: $150, $160, $200, & $250 Checking Offers

by Danny Nguyen @ Bank Deal Guy

Check out our listing of M&T Bank Deals of $150, $160, $200, & $250 promotions. Let M&T Bank reach your financial goals with their full suite of bank accounts and lending solutions, including savings accounts, checking accounts, auto and home loans, and more! M&T Bank has branches in the following states: CT, DC, DE, FL, MD, NJ,... Read More →

The post M&T Bank Deals, Bonuses, & Promotions: $150, $160, $200, & $250 Checking Offers appeared first on Bank Deal Guy.

New Bank Account Offers

New Bank Account Offers


Banks.org

You may have received the offers in the mail or heard about it online: banks are handling out cash bonuses to new customers that open a savings or checking account. These offers can range from

Open/Fund Bank Accounts With Credit Cards For Promotions

by Tony Phan @ Bank Bonus Guy

Here’s a guide on using a credit card to fund the opening deposit when you sign-up for new Checking and Savings accounts for various banks. Common reasons for credit card funding bank accounts: To meet opening deposit requirements for new Checking/Savings account promotions. To help with credit card spending to meet a new credit card’s […]

The 10 Best Vanguard Funds

by Jim Wang @ Wallet Hacks

I love Vanguard. The bulk of my investments are there, minus a few dividend growth stocks I hold in an Ally Invest account (formerly TradeKing). I'm not the only one. Of the top 25 largest mutual funds by assets, sixteen are from Vanguard (source). A clarification – many of the funds on the Marketwatch list […]

The post The 10 Best Vanguard Funds appeared first on Wallet Hacks.

Online Money Market Accounts

by banksadmin @ Banks.org

As the financial industry moves into the internet age, more and more options are becoming available for consumers. In the old days, banking required you to go to branch and speak with a teller or a manager to get anything … Continued

Navy Federal Credit Union $25 New Membership Promotion

by MM Team @ Banking Bonuses – Maximizing Money

Navy Federal Credit Union is offering a $25 new membership promotion for simply starting a new membership and opening a new membership savings account with a $5 minimum balance. [Read More] Navy Federal Credit Union $25 New Membership Promotion

The post Navy Federal Credit Union $25 New Membership Promotion appeared first on Maximizing Money.

Is Online Banking Safe? How to Boost Your Banking Security

by Margarette Burnette @ NerdWallet

When you bank online, you trust that your account is safe from hackers. Even so, online accounts can seem to consumers like easy targets: Instead of robbing a bank, a…

A Review of the SFGI Direct Savings Account

by Michael Pruser @ Consumerism Commentary

In our SFGI Direct savings account review, we were frankly surprised at the high rates offered by this bank many have never heard of. It beats almost all existing online banks. Here are the details. If you haven’t considered an online savings account before, here’s why you should now. Below we review the SFGI Direct […]

The post A Review of the SFGI Direct Savings Account appeared first on Consumerism Commentary.

Discover Bank Review: CD Rates and Savings

Discover Bank Review: CD Rates and Savings


CreditDonkey

Discover offers high interest rates on its online savings and CD accounts. But there are some downsides. Here's what you need to know before you open an account.

Discover Bank: 1.15% APY + $150/$200 Bonus ($15,000/$20,000 Deposit)

Discover Bank: 1.15% APY + $150/$200 Bonus ($15,000/$20,000 Deposit)


My Money Blog

Discover Bank is offering a refreshingly straightforward bonus for their online savings account. If you open a new account through this promotion link by 10/2/17 and use the offer code S817, you ca…

Military: Does Discover have SCRA for Servicemembers?

Military: Does Discover have SCRA for Servicemembers?

by FMMM @ frugalmilitarymoneyguy

Before we begin, we should take a look at the Servicemembers Civil Relief Act, or SCRA (formerly known as the Soldiers’ and Sailors’ Relief Act of 1940). It is a law that was passed in 2003 to protect military servicemembers from mainly financial and legal issues while serving. Some of its protections include the prevention … Continue reading Military: Does Discover have SCRA for Servicemembers?

Discover Bank Review: CD Rates and Savings

by feedback@creditdonkey.com (Lee M) @ CreditDonkey Reviews

Discover offers high interest rates on its online savings and CD accounts. But there are some downsides. Here's what you need to know before you open an account.

Traditional savings accounts pay very little interest. If you want to earn a more impactful return on your savings, online banks often offer higher rates.

In this article, we will look at how you can use Discover's Online Savings Accounts and CDs to help grow your savings.

How It Works

Discover offers high yield savings accounts and Certificates of Deposit (CDs). Both earn a higher interest rate than a typical savings account. However, the two products work in fundamentally different ways.

  • Discovers Online Savings Accounts can earn up to a 1.40% annual percentage yield (APY). They work much like typical savings accounts, except that Discover does not have any physical branch locations.

  • Discover's CDs require you to deposit your savings for a set period of time. Withdrawing funds from a CD before the term has ended will incur a penalty. Also, CDs often have a higher minimum deposit than savings accounts. Due to these requirements, some CDs earn a higher APY than savings accounts.

Now that we've covered the basics, let's get into the specifics.

Discover Bank Promotions: February 2018

Online Investor Savings

Discover is an online bank, so they don't have many of the overhead costs that brick-and-mortar banks do. This allows Discover to offer no minimum deposit and a high APY on its Online Savings Account. Here are some additional details:

  • 1.40% APY
  • No minimum deposit
  • No account opening fees
  • No monthly maintenance fees
  • Daily compounding interest
  • Free online and mobile banking
  • FDIC insured

As with any savings account, you'll be limited to 6 withdrawals per month. This is a federally-imposed limitation.

If you need to withdraw money from your Discover savings account, you have a few options: internal Discover transfers, external transfers to another bank, wire transfers, and mailed checks.

Is Discover Safe?: Discover is FDIC insured. This means that if Discover defaults, the federal government guarantees the balance in your savings account, up to $250,000.

Certificate of Deposit (CD)

For CDs, you must deposit a fixed amount of money for a fixed amount of time.

There are a few key factors to consider when deciding on a CD: the term length, the minimum deposit, and the APY. Discover also offers some retirement account qualified CDs, which can be a good option to supplement your retirement savings. Contact your financial professional to see if these retirement options are right for you.

Here are your options:

  • Term CDs: Discover's basic CDs are available in 3, 6, 9, 12, 18, 24, 30 months, and 3-, 4-, 5, 7- or 10-year terms. They require a minimum deposit of $2,500, and their APY range from .35% to 2.45%.

  • IRA CDs: Discover offers a retirement account qualified CD option as well, if you qualify. Both Roth (post-tax) and Traditional (pre-tax) options are offered. Terms and APY of these products are similar to that of Discover’s term CDs.

Why We Like Discover

Here are a few things that we like about Discover's online savings accounts and CDs:

  • Low minimum deposits: If you have just started saving or want to set aside a small balance, Discover can be a great choice. Their Online Savings have no minimum balance requirements at all. Their deposits for term CDs and IRA CDs are some of the lowest in the industry.

  • High rates: Discover's Online Savings offers such a high APY that it outperforms some of their short-term CDs. This is great news for anyone looking to save, but especially for those who can't pay the high minimum deposits that some other banks require. And if you meet a higher minimum deposit, you can earn as much as 2.45% APY on a CD, depending on term length.

  • Minimal fees: Discover cuts out many fees that other banks profit from. For example, you will not be charged any account opening or maintenance fees.

  • Retirement options: Discover offers IRA CDs, which can be utilized in a retirement planning strategy.

Reasons You Might Skip Discover Savings

For all of Discover's advantages, there are some downsides that need to be considered:

  • No branch locations: In exchange for the high interest rate on your online savings account, you are required to do your Discover banking online or over the phone.

  • No ATM card: Discover Savings does not provide an ATM card for easy withdrawals. This could be a good thing so you’re not tempted to spend your money. But if you like that convenience, look into their Money Market account instead. Or there are some other online savings accounts that come with an ATM card.

  • No Relationship Rewards: Some retail banks in the U.S. are now offering relationship bonuses to incentivize their customers to keep all of their business in one place. If you move your savings balance to Discover from your retail bank, you may miss out on some of these relationship bonuses. Contact your bank for more details.

Common Questions

If you're still interested, you probably have some questions. We'll clear up some of the basics here:

  • Should I open a CD or savings account?
    This is a really broad question and everyone has different investment goals. The decision comes down to how much you're looking to set aside, how much risk you are willing to take, and how much you'll need to access your savings.

    If you can commit to not touching your savings for at least 1 year and can meet the minimum deposit, you may be able to earn a higher interest rate with a CD versus a savings account. If you need liquidity, a savings account gives you more flexibility to withdraw your savings when needed.

  • How can I deposit funds with Discover Bank?
    For savings accounts, there are a few ways to deposit funds: deposit checks with your mobile device, transfer from Discover checking, transfer from an external account, mail a check, or set up a direct deposit to your new account. For term CDs, you can transfer from Discover checking, transfer from an external account, transfer by phone, or mail a check. For IRA CDs, contact Discover for instructions on how to fund a Discover IRA account.

  • What is the penalty for early withdrawals from Term CDs?
    It depends on the term of your CD. Here's how it breaks down:

    • Terms less than 1 year: 3 months' interest on the amount withdrawn
    • Terms from 1 year to <4 years: 6 months' interest on the amount withdrawn
    • Terms over 4 years to <5 years: 9 months' interest on the amount withdrawn
    • Terms over 5 years to <7 years: 18 months' interest on the amount withdrawn
    • Terms over 7 years and greater: 24 months' interest on the amount withdrawn

Bottom Line

If you're ready to start building your savings, then you should consider if Discover's Online Savings Accounts or CDs are right for you.

Even if you only have $1 in savings, you can start earning interest in a high yield savings account. Or, if you have at least $2,500 set aside and aren't concerned about liquidity, you can earn an even greater return with a CD.

Discover's savings offerings might not be the right savings product for you, but if you're looking to earn interest above that of a standard savings account, opening a savings accounts or CD from Discover is an investment option worth considering.

Discover Bank Review: CD Rates and Savings appeared first on CreditDonkey

Disclaimer: Opinions expressed here are those of the author's alone. Please support CreditDonkey on our mission to help you make savvy financial decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

Gap Year Planning: Travel Hacking A Year Of Hotel Stays

by Noah @ Money Metagame

In less than a month, we will be embarking on our Gap Year road trip that will take us across a majority of the USA.  For the past couple of years, we’ve been able to cover the majority of our hotel stays using points earned from credit card signup bonuses.  This worked great when we […]

Discover Checking, $300 Bonus With Two $250 DDs - Danny the Deal Guru

Discover Checking, $300 Bonus With Two $250 DDs - Danny the Deal Guru


Danny the Deal Guru

Discover is definitely of of my favorite banks right now. They keep bringing amazing bonuses and promotions for their credit cards, savings accounts and now their checking. You can now get a $300 bonus for opening a CashBack checking account, if you apply before November 15th. The only requirement is to make two direct deposits of of…

TIAA Direct Bank Promotions: $50 To $200 Bonuses

by Tony Phan @ Bank Bonus Guy

Get TIAA Direct promotions, bonuses and offers here. Typical bonus offers are for $50, $100, $150 and $200. TIAA Direct is an online only bank, so there are no physical branches to visit. This, in turn, allows for fewer fees than your traditional brick-and-mortar banks, and accounts are available to everyone nationwide. TIAA Direct review […]

Discover Card + Amazon 1-Click $10 Promotion

by Jonathan Ping @ My Money Blog

Updated. It looks like this offer is back as of February 2017. I was able to get another $10 credit even though I already got the previous $10 credit back in September even though a Discover card was already my default 1-click payment method. Of course, before clicking on the promo link below, I did […]

Discover it® Miles – 3% Cash Back for the First Year

by Michael Pruser @ Consumerism Commentary

It’s the only card that pays you 3% cash back on every purchase the first year. And with no annual fee. The details are in our Discover it Miles review. Some time ago, Discover made the conscious decision to re-brand its entire line of credit cards. Previously known as “More” credit cards, Discover decided to […]

The post Discover it® Miles – 3% Cash Back for the First Year appeared first on Consumerism Commentary.

$120 Bank Bonus – Open a Checking Account at Bank Mutual

by Bank Bonus @ Checking Account Promos

Bank Mutual bank promo code Find the checking account that’s right for you and earn a $150 Bonus at Bank Mutual. Bank Mutual is currently offering a $150 Bonus to open a new checking account online. Open one of four … Continue reading

Cash Back Checking On Discover - $50 Bonus on Sign-Up

Cash Back Checking On Discover - $50 Bonus on Sign-Up


Frugal For Less

Get cash back on each transaction from your checking account when you use Discover Bank. Right now there's a $50 promotion when you create an account.

Huntington Bank $300 Business Checking Bonus [IN, KY, MI, OH, PA, WV, IL, WI]

by Danny Nguyen @ Bank Deal Guy

If you’re interested in banking at Huntington, you can earn a Huntington Bank $300 Business Checking Bonus when you open their Fast Track Business Checking Account currently available in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, Illinois, and Wisconsin. Get the right business checking account, whether you’re starting out or starting to expand. Huntington has checking options to meet your needs,... Read More →

The post Huntington Bank $300 Business Checking Bonus [IN, KY, MI, OH, PA, WV, IL, WI] appeared first on Bank Deal Guy.

Zions Bank Online Savings Account Review

by Luke Landes @ Consumerism Commentary

In our detailed Zions Bank review, we cover its savings products, rates, and fees. We also compare it to other online banking options. As of today, Zions Bank offers one of the highest interest rates among high-interest savings accounts. But is it worthwhile to move your money there to take advantage of this interest rate? […]

The post Zions Bank Online Savings Account Review appeared first on Consumerism Commentary.

Online Bank Review: Bluebird by American Express

by banksadmin @ Banks.org

One of the many challenges people face when opening a checking account is their credit. This is partly because in some instances, banks may refuse to open checking or savings accounts for those who have had financial difficulties. It is … Continued

Discover Checking rewards changing

by @Cheap @ Discover Checking rewards changing

@Cheap wrote:

Depends on if the cap of the rewards is per person or account. Also if you have any need other need for multiple accounts.

Read full topic

Today’s Best Bank Deals, Promotions, and Bonuses

by Stephanie Colestock @ Consumerism Commentary

Get the best bank bonuses, promos and deals with this regularly updated list of bank signup promotions. When opening a bank account, there are a few things you should be looking for: low (or no) fees, the highest interest rates possible, and promotional bonus offers. With the latter, you can often score free money without […]

The post Today’s Best Bank Deals, Promotions, and Bonuses appeared first on Consumerism Commentary.

Legacy Texas Bank Checking Review: $200 Bonus (Texas only) *Current Clients only*

by Howard Young @ Bank Checking Savings

Are you currently banking with Legacy Texas Bank? Legacy Texas Bank is currently offering existing clients a generous $200 bonus when you apply and qualify for a new Maximum Checking Account with a minimum opening deposit of $100 by March 31, 2018. Once you have signed up for a new account, all you have to have to... Keep Reading↠

The post Legacy Texas Bank Checking Review: $200 Bonus (Texas only) *Current Clients only* appeared first on Bank Checking Savings.

How To Avoid Chase Bank Account Monthly Fees

by Hilary Tran @ Bank Deal Guy

Bank accounts are a useful way to track your transactions and keep an eye on all your expenses. Not only do you know that your money is safe, but you can also earn interest with the money that you have in your bank account. However, nothing is free and bank accounts come with the threat... Read More →

The post How To Avoid Chase Bank Account Monthly Fees appeared first on Bank Deal Guy.

Everbank High Yield Checking Account

by Bank Bonus @ Checking Account Promos

Everbank New Account Bonus EverBank® Get Higher Yields Always with a Yield Pledge® Checking Checking Account. EverBank® offers a variety of bank products and services from an interest bearing to CD accounts and more! EverBank® pledges that your yield will remain … Continue reading

Capital One Quicksilver Review – Get a $150 Bonus

by Michael Pruser @ Consumerism Commentary

The Capital One Quicksilver card combines a $150 signup bonus with 1.5% cash back rewards on every purchase. Oh, and no annual fee. Here are the details. One of the most important rules of sound personal finance is using credit cards wisely. A good cash back credit card, when used for everyday purchases and paid […]

The post Capital One Quicksilver Review – Get a $150 Bonus appeared first on Consumerism Commentary.

Evolve Federal Credit Union Rewards Checking Account Review: 5.00% APY Up To $10,000

by John Catral @ Bank Checking Savings

Available for residents of Texas, Evolve Federal Credit Union is currently offering a generous 5.00% APY when you sign up and open a new ePriority Checking account. If you are currently interested, the bank is offering you the attractive APY rate on a balance up to $10,000. Not only are you able to bank with ease with... Keep Reading↠

The post Evolve Federal Credit Union Rewards Checking Account Review: 5.00% APY Up To $10,000 appeared first on Bank Checking Savings.

Discover Checking rewards changing

by @ProfessorEd @ Discover Checking rewards changing

@ProfessorEd wrote:

Are there many occasions when this might be useful?

The few cases where debit cards are taken, but not credit cards.

The most profitable possibility may be paying taxes. The major sites for paying US taxes seem to charge about $2.25 per debit card. thus for a $1,000 payment Discover checking would give you back $10, which exceeds the fee. On a $3,000 payment you wuld get back $30, leaving a profit of abut $27. 75. See http://frequentmiler.boardingarea.com/2017/01/16/paying-taxes-via-credit-card/.

The best rate on credit cards appears to 1.87%, and if you earn 2.66% (BOA Platinum Honors), that is a margin of about .79%, which is less than 1%. On $3,000 this gives you about $23. For one who highest paying card is 2% back, paying by debit card looks even better.

Plus of course the use of you money for a longer period of time.

The pay government site (used for certain payments to US government agencies, such as for a SBA disaster loan payment) will not longer take credit card after Dec. 1 but states they will take debit cards and prepaid cards.

One could automate deposits to Discover checking, and then use this site to pay on your loan. May not be worth it unless you have large payments.

There may also be the opportunity cost of not using this to unload a gift card you happen to have.

Read full topic

Chase Credit Card Rewards & Chase Checking Sign Up Bonus | Frugality, Simple Living, & Financial Independence

Chase Credit Card Rewards & Chase Checking Sign Up Bonus | Frugality, Simple Living, & Financial Independence


Monetary Musings

Leveraging credit cards to get the full benefit of sign up bonuses and rewards programs is really satisfying! My current “everyday” credit cards are below, although it's always fun to re-evaluate the market and see if there are new cards with rad sign-up bonuses or superior credit card rewards programs.Read more ›

Bank Direct Promotions 2016

by Bank Bonus @ Checking Account Promos

Bank Direct Promotions  Bank Direct Checking Promotions Bank Direct Promotions 2014 Bank Direct Air Miles Checking Account All you have to do to earn AAdvantage® miles at BankDirect is open one of our Mileage products — Mileage Checking with Interest … Continue reading

Amazon Audible: Free Trial w/ 2 Free AudioBooks + $15 Prime Now Credit (New Members)

by Jonathan Ping @ My Money Blog

Amazon Audible has an targeted promotion with a free 1-month trial with 2 audiobook credits + $15 Prime Now credit (minimum $35 Prime Now order). This offer is only available to Prime Members who will be new Audible customers (not valid for existing subscribers or if you have utilized a free trial in the last […]

The Best Online Savings Accounts in February 2018

by LaTisha Styles @ MagnifyMoney

Updated February 9, 2018 After years of low interest rates, there is a pricing war happening for online savings accounts. Long gone are the days of 0.01% APY. If you are willing to open an online savings account (which is FDIC insured), you can now easily get a 1.50% APY or higher. Interest rates are … Continue reading The Best Online Savings Accounts in February 2018

The post The Best Online Savings Accounts in February 2018 appeared first on MagnifyMoney.

Meeting Direct Deposit Requirements For Bank Bonuses

by Tony Phan @ Bank Bonus Guy

Many bank promotions require that you set up Direct Deposit in order to be eligible for the offers. Here’s a guide on some tips and tricks on meeting this requirement. While there are a few bank bonus offers that don’t require Direct Deposit, most of the higher value promotions do. The terms and conditions of […]

Grubhub: $20 off $20+ For New Customers (Now $7 off $15)

by Jonathan Ping @ My Money Blog

(Update: At least for some folks, the promotion has been reduced to $7 off $15.) Here’s a Grubhub promotion that will get you $20 off your first $20+ food delivery order. You must agree to accept promotional e-mails. *Valid for first time Grubhub users only (per person and per email address). For one-time use only. […]

Discover Checking rewards changing

by @Ma_Barker @ Discover Checking rewards changing

@Ma_Barker wrote:

If this 1% will apply also to payments to CC, I’m going to open a Discov checking.

Read full topic

Cincinnati Federal Review: $250 Checking Account Bonus [OH Residents]

by Tony Phan @ MoneysMyLife

Find the latest promotions and bonuses from Cincinnati Federal updated here. Offers have typically ranged from $150 to $250 in the past. Established in 1922 and headquartered in Cincinnati, Ohio, Cincinnati Federal has 4 locations in the state. If you’re not an Ohio resident, use our Bank Bonuses page for other offers, including those from […]

Bank of the West $150 New Checking Account Bonus

by MM Team @ Banking Bonuses – Maximizing Money

Bank of the West is offering $150 in bonus cash when you open a new personal checking account online or in-branch, set up a direct deposit of at least $250, and make 10 debit card purchases per month for 2 months.

This Bank of the West promotion is available to residents of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming[Read More] Bank of the West $150 New Checking Account Bonus

The post Bank of the West $150 New Checking Account Bonus appeared first on Maximizing Money.

Compare Online Savings Accounts

by banksadmin @ Banks.org

A savings account is essential to any successful budget and will help you afford larger purchases in the future. Choosing the perfect savings account is critical, and will depend on a number of factors that include your monthly budget and … Continued

M&T Bank $200 Checking Bonus [AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, WV] (YMMV)

by Danny Nguyen @ Bank Deal Guy

If you are a resident in one of the following states: AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, or WV, M&T Bank is offering you a $200 bonus when you open a new personal Checking Account with promo code TE and completing certain requirements! Below is all the information and details you need to... Read More →

The post M&T Bank $200 Checking Bonus [AZ, CO, CT, DC, DE, FL, MD, NJ, NY, OR, PA, VA, WA, WV] (YMMV) appeared first on Bank Deal Guy.

A Survey of the Best HSA Accounts Available Today

by Abby Hayes @ Consumerism Commentary

A Health Spending Account is a great way to pay for healthcare or save for retirement. To help, we’ve surveyed the very best HSA accounts available today. It used to be that consumers didn’t have much choice when it came to HSAs. Many of these accounts were little more than dedicated-use high-interest savings accounts. Now […]

The post A Survey of the Best HSA Accounts Available Today appeared first on Consumerism Commentary.

Deposit $25 at Wells Fargo for Free $250 Bonus

by Tracy Banks @ Banklady.com

Wells Fargo offers a $250 Bonus to New Customers who open an eligible Wells Fargo Everyday Checking Account with the Minimum Opening Deposit of $25. They also need to fulfill one of the easy Bonus Qualifications. This offer was public but is not just targeted. Follow the directions below for the $250 Bonus: Go here wellsfargo.com/250offer […]

Capital One Spark Cash Review: Earn a Quick $500 or 13% Cash Back

by Colin Robertson @ The Truth About Credit Cards.com

I like credit cards for several different reasons. Sometimes it’s sheerly for the convenience, sometimes it’s for the perks, like airport lounge access, and other times it’s for the amazing sign-up bonuses. Breaking down that last reason, the sign-up bonus can be geared toward points, like frequent flyer miles and free hotel nights, or simply … Continue reading "Capital One Spark Cash Review: Earn a Quick $500 or 13% Cash Back"

Bank Of America Business Checking Review: $200-$2,000 Promotions

by Tony Phan @ Bank Bonus Guy

Get the latest sign-up promotions and bonuses for Bank of America’s Business Checking accounts here. Current ongoing offers have been for a $100 bonus, but sometimes a $200 and even a $2,000 promotion can be had. I’ll review your Business Checking account options as well. Bank of America Business Checking Review Highlights: Sign-up promotions ($100-$2,000) […]

Chase Business Checking Account $200 Banking Bonus

by MM Team @ Banking Bonuses – Maximizing Money

There is a brand-new offer for a $200 bonus when you open a Chase Total Business Checking account (or any Chase business checking account), deposit $1,000 within 10 business days of account opening, maintain that $1,000 balance for 60 days, and complete 5 qualifying transactions within 60 days, including debit card purchases, Chase QuickDeposit, ACH (credits), and wires (credits and debits). [Read More] Chase Business Checking Account $200 Banking Bonus

The post Chase Business Checking Account $200 Banking Bonus appeared first on Maximizing Money.

E-Trade Bonus: Earn up to $2,500 + Free Trades & Free Pro Access

by Tracy Banks @ Banklady.com

E-Trade is one of our favorite innovative online discount brokerages. They are now offering up to $2,500 bonus plus Free Trades for 60 days when you open a new E*TRADE Securities Individual, Joint or Retirement account by December 31, 2017 and funded within 45 days of account opening. E-Trade is a leader in the industry with far superior tools for […]

What You Need to Open a Bank Account

by banksadmin @ Banks.org

What do you need to open a bank account? Whether you are opening your first bank account, or you are creating a new account in addition to other bank accounts you own, there is some basic information that is required … Continued

Discover Bank Promotions

by Bank Bonus @ Checking Account Promos

Discover Bank Promotions Discover Bank – Open a Discover Bank savings account online instantly and earn a rate 5x the National Savings Average with a low opening deposit and access to your cash anytime. You have to have a Discover Savings account or … Continue reading

Starbucks Credit Card Review: Earn Free Starbucks on Everyday Purchases

by Colin Robertson @ The Truth About Credit Cards.com

Starbucks has teamed up with Chase to offer a co-branded credit card, known as the “Starbucks Rewards Visa Card.” In short, it allows cardholders to earn free drinks and food at Starbucks via the bonus stars you earn in their rewards program. For the record, you don’t need the Starbucks credit card to earn stars, … Continue reading "Starbucks Credit Card Review: Earn Free Starbucks on Everyday Purchases"

Best Savings Accounts And High Yield Rates February 2018

by Tony Phan @ MoneysMyLife

Do you need to find out which bank has the best Savings Account rates? Or, how about which has the best Money Market interest rates? Maybe you need a quick overview of the differences between the two types of interest-earning accounts to begin with. We’ll go over all of these questions and help you find the best […]

Banks with a Cash Bonus: 2018 Bank Promo Codes

by Bank Bonus @ Checking Account Promos

Get a free checking account with a bank cash bonus and no minimum deposit. Some of the best banks offer $100 or more in sign up bonuses for opening a new checking account online.           The best checking … Continue reading

Chase Total Checking Account Bonus

by Liz Pham @ Bank Deal Guy

Right now, Chase Bank is offering a sign-up bonus when you open their Chase Total Checking® Account. This account is very easy to use and you’ll have access to many features such as online banking, bill pay, mobile banking services like Chase DepositFriendlySM ATMs nationwide, and more! With over 16,000 ATMs and 5,100 branches, convenience is definitely... Read More →

The post Chase Total Checking Account Bonus appeared first on Bank Deal Guy.

Discover Bank Savings Accounts: Reviews, Latest Offers, Q&A, Customer Service Info

Discover Bank Savings Accounts: Reviews, Latest Offers, Q&A, Customer Service Info


WalletHub

Reviews & Detailed Information about Savings Accounts offered by Discover Bank. Compare to Popular Offers & Apply Online for the Best Savings Account.

Best Bank Account Bonuses and Offers February 2018 - NerdWallet

Best Bank Account Bonuses and Offers February 2018 - NerdWallet


NerdWallet

Excellent cash bonuses are available if you open checking or savings accounts with some banks. Here are the best offers this month: Checking account offers and savings promotions Top picks…

Earn up to $600 Cash Bonus with TD Ameritrade Brokerage

by CashBonusMoney @ Cash Bonus Money

TD Ameritrade Brokerage has a new cash bonus promotion for new customers to earn up to $600 cash bonus money. You will need to open a new online brokerage or retirement investment by September 30, 2017 and enable you to trade free for 60 days The TD Ameritrade $600 Cash Bonus Promotion requires you open […]

How Much Money Can You Deposit Before the Bank Reports It?

by banksadmin @ Banks.org

To the average person, it would seem like making deposits into their savings or checking accounts would be viewed as a good thing.  After all, doesn’t a regular savings plan mean an individual handles their money responsibly and they have … Continued

British Airways Visa Signature Card 75,000 Avios Bonus + 3 Avios for Every $1 Spent on British Airways Purchases

by Anthony Nguyen @ Bank Deal Guy

Compare this card with other travel related cards here. The British Airways Visa Signature® Card is offering a chance to earn up to 75,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus, earn an additional 25,000 bonus Avios after you spend $10,000 on purchases within your first year of account... Read More →

The post British Airways Visa Signature Card 75,000 Avios Bonus + 3 Avios for Every $1 Spent on British Airways Purchases appeared first on Bank Deal Guy.

HSBC Bank Deals, Bonuses, & Promotions: $100, $200, $350, $600, $750 Checking Offers

by Hilary Tran @ Bank Deal Guy

Check out our listing of HSBC Bank Deals of $100, $200, $350, $600, & $700 promotions. At HSBC they seek to build trust-based and lasting relationships with their many stakeholders to generate value in society and deliver long-term shareholder returns. HSBC Bank is available nationwide but has physical branches in the following states: CA, CT, DC,... Read More →

The post HSBC Bank Deals, Bonuses, & Promotions: $100, $200, $350, $600, $750 Checking Offers appeared first on Bank Deal Guy.

Top Online Checking Accounts With High Interest Rates

by banksadmin @ Banks.org

These days, there is a lot of interest in interest. With the Federal Funds Rate (the interest rate that banks pay each other for overnight lending) at less than 0.5% and a typical savings account interest rate of less than … Continued

Earn 2,000 Bonus FlexPoints With Your US Bank FlexPerks Visa Card [Targeted?]

by takeoffwithmiles @ Takeoff With Miles

There is a targeted offer, where in US Bank FlexPerks Visa Card holders could earn 2,000 bonus FlexPoints when you spend $500 or more in eligible purchases before Dec 31, 2017.     This is a targeted promotion and you must register for the promotion to be eligible to earn the bonus points. It is ...

The post Earn 2,000 Bonus FlexPoints With Your US Bank FlexPerks Visa Card [Targeted?] appeared first on Takeoff With Miles.

PenFed Power Cash Rewards Visa Card: 2% Cash Back With Military Service or Checking Account

by Jonathan Ping @ My Money Blog

Pentagon Federal Credit Union (PenFed), the 3rd largest US credit union by assets, launched the PenFed Power Cash Rewards Visa Card in 2017. This credit card offers up to 2% flat cash back with no earning caps and no annual fee. Here are the highlights: Sign-up bonus: $100 statement credit when you spend $1,500 in […]

Chase Coupon Promo Codes: $200, $300, $350, $500 (Feb 2018)

by Tony Phan @ MoneysMyLife

Chase Bank coupon codes, bonuses, and promotions for their Checking, Savings and Business accounts can all be found up-to-date here. Chase promotions are constantly updated throughout the year, so bookmark this page for updates. Many Chase coupon codes are periodically available. Current and past coupons include the following: $100, $150, $175, $200, $250, $300, $350, $400, $500, $600 and […]

Quorum Federal Credit Union CD Account Review: 2.00% APY 11-Month, 2.25% APY 25-Month CD Rates Increased (Nationwide)

by Howard Young @ Bank Checking Savings

Now is the best time of the year to start a new account experience. With that said, Quorum Federal Credit Union is offering residents nationwide a wide selection of rates to fit all your banking needs. Whether you are looking for a short term or long term solution, there is definitely an account to fit... Keep Reading↠

The post Quorum Federal Credit Union CD Account Review: 2.00% APY 11-Month, 2.25% APY 25-Month CD Rates Increased (Nationwide) appeared first on Bank Checking Savings.

Chase United TravelBank Card $150 Bonus + No Foreign Transaction Fee + No Annual Fee

by Danny Nguyen @ Bank Deal Guy

Compare this card with other travel related cards here. With the United℠ TravelBank Card, you can $150 in TravelBank cash after you spend $1,000 on purchases in the first 3 months your account is open. In addition to the bonus incentive, you will earn 2% in TravelBank cash per $1 spent on tickets purchased from United and 1.5%... Read More →

The post Chase United TravelBank Card $150 Bonus + No Foreign Transaction Fee + No Annual Fee appeared first on Bank Deal Guy.

Discover Checking rewards changing

Discover Checking rewards changing


Fragile Deal

Discover Checking is changing its 10 cent per transaction ( bill pay, checks, debit card ) to 1% on debit card purchases up to $3000 in purchases per month. This may or may not be an improvement depending on if you were into using it for micro-transactions.

$1,200 Bonus From Opening Discover Bank Accounts - FPT Gift Box

$1,200 Bonus From Opening Discover Bank Accounts - FPT Gift Box


FPT Gift Box

FPT Gift Box is all about “The FPT (5+2) Model” – that is, turning limited resources into abundance and blessings. There’s free money literally floating… Continue reading

Pros and Cons of Online Checking Accounts

by banksadmin @ Banks.org

The internet has changed the way we operate as a culture on many levels, specifically the way we communicate and interact with others.  Community is now a global term, and while we may be able to transfer information more easily, … Continued

Discover Checking rewards changing

by @Stubtify @ Discover Checking rewards changing

@Stubtify wrote:

Couldn’t use Discover Debit at WM for MO. POS wouldn’t allow it.

Still lookin for somewhere I can churn heavy.

Read full topic

Bank Promotions June 2016: Checking & Savings Accounts

by Tony Phan @ Bank Bonus Guy

All the best bank promotions and sign-up bonus offers can be found here. You’ll find bank offers for Checking account promotions, Savings account promotions, and all the best Business account offers as well. We add/update these bank account promotions daily, so check back often for the best deals. There are hundreds of new bank account promotions out […]

Bank of America $100 Checking Account Cash Bonuses

by MM Team @ Banking Bonuses – Maximizing Money

Bank of America has a new $100 bonus offer available for opening a Core Checking or Interest Checking account by February 28, 2018, and receiving 2 qualifying direct deposits of $250 or more each within 90 days from account opening. [Read More] Bank of America $100 Checking Account Cash Bonuses

The post Bank of America $100 Checking Account Cash Bonuses appeared first on Maximizing Money.

$100 Bonus – BB & T Bank Checking Promotion

by Bank Bonus @ Checking Account Promos

BB & T Bank Bonus 2014 B & T Bank Checking Promo BB & T Bank Checking Promotions BB & T Bank Promo – $100 Checking Bonus Bank $100 Checking Bonus In order to qualify for BB&T Bank’s $100 bonus, … Continue reading

Discover Bank Deals, Bonuses, & Promotions: 1.30% APY, 1.40% APY, 2.45% APY Money Market, Savings & CD Rate Offers - Bank Deal Guy

Discover Bank Deals, Bonuses, & Promotions: 1.30% APY, 1.40% APY, 2.45% APY Money Market, Savings & CD Rate Offers - Bank Deal Guy


Bank Deal Guy

If you're looking for a great online savings account with a competitive rate, you're at the right place! In this review, we present to you a full listing of Discover Bank Deals of $150, $200, 2.35% APY, 1.05% APY & 1.15% APY promotions. These bonuses are easy to qualify for with simple requirements. To qualify, simply open the eligible account and meet simple requirements like entering a promo code or making that minimum opening deposit. See below for our list of Discover Bank Deals. Check back with BankDealGuy for the best bank deals!

40% Transfer Bonus When You Transfer Amex MR To British Airways Executive Club

by takeoffwithmiles @ Takeoff With Miles

Until recently, We used to get 200 Avios for every 250 Membership Rewards transferred, which is effectively 0.8 Avios for every Membership Reward point. Now, Amex improved the conversion ratio to 1:1 and on top of that added a 40% transfer bonus which is valid through Sep 17, 2017.     You can now get ...

The post 40% Transfer Bonus When You Transfer Amex MR To British Airways Executive Club appeared first on Takeoff With Miles.

BBVA Compass Bank Checking, Savings, CD Account Promotions

by Tony Phan @ MoneysMyLife

Find the latest BBVA Compass bank promotions, bonuses and offers here for Checking and Savings accounts. Typical bonus amounts are $25, $50, $100, $125, $250, etc. Sometimes there will also gift bonuses, such as tablets and other electronics. BBVA Compass was established in 1964 and is headquartered in Birmingham, Alabama. They have over 650 branches […]

Best Bank Bonuses in Florida

by Anthony Nguyen @ Bank Checking Savings

Editor’s Note: If this is not your state, you can click on the state(s) above to see the Best Bank Bonuses being offered in your selected state(s). As the Floridians say,”Visit Florida” for some of the Best Bank Bonuses in Florida! Before you head out to Walt Disney World, grab some awesome bank deals for some extra spending... Keep Reading↠

The post Best Bank Bonuses in Florida appeared first on Bank Checking Savings.

Today's Best Bank Bonuses, Deals and Promotions

Today's Best Bank Bonuses, Deals and Promotions


Consumerism Commentary

Get the best bank bonuses, promos and deals with this regularly updated list of bank signup promotions. Get $300 or more just for opening a bank account.

FREE Raising Cane’s Chicken Fingers

by CashBonusMoney @ Cash Bonus Money

Enjoy a FREE Box Combo when joining Raising Cane’s Caniac Club. Raising Cane’s Chicken Fingers Box Combo includes 4 Chicken Fingers, Crinkle-Cut Fries, 1 Cane’s Sauce, Texas Toast, Coleslaw and a Regular Drink (22 oz). Take advantage of this special loyalty promotion from Raising Cane’s Chicken Fingers to get entire combo free meal when you […]

Discover Bank Adds New $150 or $200 Savings Bonuses

Discover Bank Adds New $150 or $200 Savings Bonuses


Deposit Accounts

Now through October 2, 2017, Discover Bank is offering a $150 ($15k min deposit) or $200 ($20k min deposit) bonus when opening a new Online Savings account.

Best Student Checking Accounts in 2018

by Luke Landes @ Consumerism Commentary

We’ve complied a list of the best student checking accounts in 2017. Options include online and traditional banks that pay bonuses, high interest rates, or both. As we head into a new year, thousands of young adults will be heading to college for the first time. It’s important to get started on the right financial […]

The post Best Student Checking Accounts in 2018 appeared first on Consumerism Commentary.

Chase Savings Coupon Code

by Anthony Nguyen @ Bank Deal Guy

The Chase SavingsSM Account is made simple. With this account, you can start saving with ease! You’ll have access to chase.com and our mobile banking tools. Plus, 24-hour customer support is just a phone call away. See table below for more info regarding the Chase SavingsSM Account Coupon. For more offerings from Chase, be sure to... Read More →

The post Chase Savings Coupon Code appeared first on Bank Deal Guy.

Ally Bank Review: One of the Largest and Most Well-Known Online Banks

by banksadmin @ Banks.org

Although Ally began as an insurance agency, they are now one of the largest and most well-known online banks. Since 2006, Ally has received hundreds of awards from various companies for their banking and insurance operations. Here is a look into … Continued

35,000 Signup bonus for Amex SPG Credit Card [Targeted]

by takeoffwithmiles @ Takeoff With Miles

Check your email, There is a targeted offer, which will get you 35,000 Starpoints as signup bonus with Starwood Preferred Guest credit card . The subject of the email is “Earn Our Highest Offer: 35,000 Bonus Starpoints” Note that you can only get the signup bonus once in a life time per product with American Express personal & ...

The post 35,000 Signup bonus for Amex SPG Credit Card [Targeted] appeared first on Takeoff With Miles.

After Bank Kicks Agitated Elderly Man Out, Cop Brings Him Back to Get the Job Done

by banksadmin @ Banks.org

A bank branch recently contacted the Montebello Police Department, near Los Angeles, to assist them with a banking customer who was being disruptive. Evidently, an elderly gentleman was being unruly and causing a scene. Montebello Police dispatched Officer Robert Josett to … Continued

Hand luggage rules- yellow tag

by South London Bon Viveur @ FlyerTalk Forums

The other day I was coming back from ZUR (in Y) and, unusually for my SH flights, I was checking in hold baggage. I also had my usual hand baggage with me, namely one medium/large rucksack type bag. It usually fits under the seat in front, although...

Up to $500 for Opening Chase Checking and Savings Accounts

Up to $500 for Opening Chase Checking and Savings Accounts


The Points Guy

For a limited time, Chase is giving up to $500 in bonuses when you open new checking and savings accounts.

Which Southwest Credit Card is Right for You?

by feedback@creditdonkey.com (Anna G) @ CreditDonkey Reviews

Fly Southwest? You may want to consider a Southwest credit card from Chase. But which one is right for you? We break it down.

Southwest offers a couple of the best airline cards for domestic travelers.

If you fly Southwest at least a couple of times a year, consider one of the two co-branded credit cards offered by Chase: Southwest Rapid Rewards Plus and Southwest Rapid Rewards Premier.

Both cards offer a high sign-up bonus and good reward potential. The Plus has a lower annual fee but is not ideal for international travel. The Premier is the more upscale version with slightly better rewards.

Which makes more sense?

We'll do a full run-down comparing the two cards, so you can make your own choice.

Overview: Southwest Plus and Southwest Premier

Before we start comparing, let's go over how the two cards work in a nutshell. Both cards give you the same sign-up bonus and reward points. There are a couple of major differences:

  • The Southwest Plus card has a $69 annual fee. You get 3,000 bonus points each anniversary year. There is a foreign transaction fee.

  • The Southwest Premier card has a $99 annual fee. You get 6,000 bonus points each anniversary year and earn points toward elite tiers. There is no foreign transaction fee.

Now, with these major differences in mind, let's go over why you may prefer one over the other.

Note: Chase has a 5/24 rule, which means that if you've opened 5 credit card accounts in the past 24 months (from any bank), you will not be approved for a new card. The Southwest cards fall under this rule.

Why Either Card Is a Good Choice

Both cards are designed to earn Rapid Reward points, which can then be redeemed for Southwest award flights (more detail in the next section). With both Southwest cards, you get:

  • Sign-up bonus. You can earn 50,000 points after you spend $2,000 on purchases in the first 3 months of account opening.

  • 2x on Southwest purchases. You get 2 points per dollar spent on Southwest purchases, including participating Rapid Rewards hotel and car rental partner purchases. You get 1x per dollar on all other purchases.

  • Points for balance transfers. You get 1 point for each $1 in balance transfers made within the first 90 days of account opening (up to $10,000 for the Plus, and $15,000 for the Premier). Most credit cards don't let you earn points for balance transfers.

  • Earn points toward Unlimited Companion Pass. If you earn 110,000 Rapid Reward points in one calendar year, you can name one companion to fly free with you on unlimited Southwest flights until the end of the following year. This is one of the best companion deals out there. With the sign-up bonus alone, you're more than a third of the way to the Companion Pass.

    Note: Only points earned with the Southwest credit cards qualify towards a Companion Pass. So, for example, if you have the Chase Sapphire Preferred and transfer points to Southwest, they won't qualify.

  • Bags fly free. Your first and second checked bags are free.

  • No blackout dates, seat restrictions, or change fees. You can use your miles to book any seat on any flight. And if you need to change the date of a flight, there's no change fee (though you will still need to pay the fare difference).

  • Rewards never expire. Your miles never expire as long as your card account remains open.

Who the Southwest Plus Card Is Good For

If you're an occasional domestic flyer (you fly Southwest just a few times a year), then this card is probably good enough for you. Since both cards have the same sign-up bonus and reward earnings, the Plus will save you money with a smaller annual fee.

Remember, it also gives you 3,000 points every anniversary year. This doesn't fully cover the annual fee, but it makes it easier to swallow.

Why the Southwest Rapid Reward Premier Card Is Superior

If you fly Southwest more often, the Premier card may be better for you. Here are some other perks that come with the Southwest Premier:

  • Tier qualifying points (TQPs): For every $10,000 spent on the card (on eligible purchases), you earn 1,500 TQPs. You can earn up to 15,000 TQPS per year. TQPs can be used for Rapid Rewards elite status.

    • If you achieve A-List status (35,000 TPQ per year), you get: priority check in, security, and boarding; dedicated phone line; free same-day standby; and 25% earnings bonus on Southwest flights.

    • If you achieve A-List Preferred status (70,000 TPQ per year), you get the above plus: free in-flight Wi-Fi and 100% earnings bonus on Southwest flights.

  • 6,000-point anniversary bonus: You get a bonus 6,000 points every year on your account anniversary. 6,000 points could be worth a flight around $100, so this already justifies the higher $99 annual fee.

  • No foreign transaction fee: The Premier card has no foreign transaction fee for purchases made abroad.

Do you own a business? There is also a business version of the Premier card – the Southwest Rapid Rewards Premier Business Credit Card.

Both Do Have Downsides

Keep in mind some of these downsides for both cards:

  • No priority boarding. Unlike other co-branded airline cards that give you priority boarding just for owning the card, the Southwest cards don't include this perk. The only way to get this perk is to earn enough TPQs in a year to qualify for elite status.

  • High APR. Neither card has an introductory APR offer for purchases or balance transfers. The regular APR is quite high, so make sure you are able to pay off the balance each month.

  • You only get bonus points for Southwest flights, and hotel and car rental partners. Unless you fly Southwest a lot and use their hotel and car rental partners, it may be hard to rack up points. If your goal is to earn points faster, then consider whether the Chase Sapphire Preferred may be a better fit. It gives you 2x points on travel and dining purchases. Then you can transfer the points 1:1 to Southwest (but they won't qualify for the Companion Pass).

  • You can only redeem on Southwest flights. This isn't much of a problem if you take a lot of Southwest flights. But if you want more flexibility or want to travel to places Southwest doesn't go, then think about whether it's better to get a general travel rewards card that lets you use any airline.

  • The Plus card has a foreign transaction fee. The Plus card charges a foreign transaction fee on purchases made out of the country (3% of each transaction in U.S. dollars on purchases). However, the Premier card has no foreign transaction fee, so it is better if you travel internationally.

How to Use Southwest Rapid Reward Points

Both cards earn Rapid Reward Points, which you can redeem towards any Southwest flight, with no blackout dates and no seat restrictions.

Using your points is very easy. Simply sign in to your Rapid Rewards account (create it for free) to book travel, and select the option “Points.”

You will then see the flight options listed in points. You can also toggle back and forth between dollars and points to compare the points value.

Southwest has three types of fares. Wanna Get Away is the cheapest fare. It's nonrefundable, but can be cancelled for credit good up to 1 year from purchase date. Business Select and Anytime fares are fully refundable.

So what are Rapid Reward points worth?
Southwest points have pretty good value, especially for the Wanna Get Away fights. We find that, generally, each Rapid Reward point is worth between 1.6 and 2.0 cents. This means that 10,000 points could be redeemed for a flight that costs around $160 - $200.

For example, in the sample flight above from Los Angeles to Seattle in March 2018, the highlighted flight costs 4,248 points. If you were to buy it with cash, it costs $86. That means the point value of the flight is 2.02 cents.

You don't pay any taxes or surcharges for domestic flights, except for the $5.60 Security Fee in each direction.

Do You Fly Other Airlines?

Not a frequent Southwest flyer? If there's another airline you prefer instead, consider these cards:

Bottom Line

So, which Southwest card is right for you? Since both cards give the same sign-up bonus and have the same reward structure, which is better?

If you fly Southwest just a few times a year domestically, the Plus card will do the job just fine. If you travel to any of Southwest's international offerings, you'll want the Premier card as it has no foreign transaction fee. It also has a larger anniversary bonus each year, which helps justify the $99 annual fee.

Which Southwest Credit Card is Right for You? appeared first on CreditDonkey

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Southwest Rapid Rewards Premier Credit Card, United MileagePlus Explorer Card, Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, and Southwest Rapid Rewards Plus Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Best of Banking Promotions for February 2018

by CashBonusMoney @ Cash Bonus Money

Banks are vying for your business with many financial institutions experiencing a decrease in profits. Banking promotions and bonuses are available from a wide variety of local banks and national banks. So instead of just offering perks just as no fees, free checking, or free check card when you sign up for an account, banking promotions […]

Get a Free Share of Stock from Trying Out This App

by Tracy Banks @ Banklady.com

Robinhood is a trending stock trading app that charges absolutely no commissions. They recently raised $110 million at a $1.3 billion valuation and are giving away tons of stocks with their latest promotion. They’ve started rolling out different promotions for referring new accounts as you will read below. The most exciting of which is a […]

Delta Flash Sale: Fly to the Pacific Northwest From 11,000 SkyMiles Round-Trip

Delta Flash Sale: Fly to the Pacific Northwest From 11,000 SkyMiles Round-Trip

by Brendan Dorsey @ The Points Guy

Delta is back with another flash sale, this one offering discounted flights to the Pacific Northwest. With this promotion you’ll be able to redeem as little as 11,000 SkyMiles (plus taxes and fees) for a round-trip flight to either Seattle (SEA) or Portland (PDX). The catch is that you can only fly to Seattle or …

Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin

by MM Team @ Banking Bonuses – Maximizing Money

If you live or work in Brown County, Wisconsin, or work for Georgia Pacific Corporation in Green Bay, Wisconsin, you can earn a $100 bonus for opening a new personal checking account with Northern Paper Mills Credit Union. [Read More] Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin

The post Northern Paper Mills CU $100 Checking Account Cash Bonus – Wisconsin appeared first on Maximizing Money.

Discover Checking rewards changing

by @Cpaynter @ Discover Checking rewards changing

@Cpaynter wrote:

Yeah, this change is a sad thing for me. Honestly, between our two Discover checking the rewards didn’t add up to much (about $30/year), but it was some nice icing on the cake. I used the debit card for small purchases to get 10¢ per transaction when that was better than what I’d be getting otherwise (typically this meant transactions <$3). For the rare times I used checks, I’d typically write them out of this account for 10¢ per check. And I would also use the bill pay to pay down credit card balances before the statement cut. For small-balance-write-off cards (CapOne, Barclay, Discover, USBank), I’d use Discover billpay to pay down the accounts to 99¢ ($1.99 for Discover), thus goosing that “free money” to $1.09 and $2.09 respectively per card/per month. For the rest of my credit cards, I’d often use Discover billpay to pay down the balances to zero before the statement cut date so I’d have fewer accounts on my profile showing balances and earn 10¢ per payment to boot.

After this, the only place it’d be worthwhile for me to use Discover checking would be using the debit card at Woodman’s grocery store, which doesn’t accept credit cards but takes the Discover debit card. I’d been using the Discover debit card at Woodman’s (and previously at Aldi when they were debit-only) to get the 10¢ per transaction. But honestly, without the small-amount transactions, bill-pay and check rewards, I wonder if it will be worth it to even keep the Discover checking account in use.

Chris.

Read full topic

Best Bank Promotions in 2018

by Best Bank Deals @ 2015 Bank Promotions

National Bank Deals and Bank incentives for new accounts. The Best Bank Offers from Top Banks in the US. National Banks Offering a Bonus for New Accounts in the US. Top Banks in the US Bank of America National Bank … Continue reading

Discover Checking rewards changing

by @cashmeeousside @ Discover Checking rewards changing

@cashmeeousside wrote:

So should I open 3 more checking accounts with them? I already have two that are largely dormant…

Read full topic

Discover Checking rewards changing

by @telflonmail @ Discover Checking rewards changing

@telflonmail wrote:

Received an email from them and made it sound like they are now giving you 3X the rewards. Well, no - they are allowing you a maximum of $30 per month instead of $10. For those who used it for 10 cents a check, bill pay or debit transaction it is of no more value.

Be mindful that you can move the checking rewards over to credit card rewards and cash out with gift cards for 10% (e.g. 45.00 for $50 gift card) to 20% or more extra in value.

All good things must come to an end as the saying goes. I don’t know of any checking/debit card that give higher than 1% that is available to the general public.

Read full topic

Review of the Deserve Classic Mastercard

by Brendan Harkness @ Credit Card Insider

The Deserve Classic Mastercard is designed for people without a traditional credit history. This card is different than most. It will take more than just your credit history and current financial situation into account when you apply. That makes it more accessible than most cards, providing a way to start building credit for people who […]

The post Review of the Deserve Classic Mastercard appeared first on Credit Card Insider.

Review of the HSBC Cash Rewards Mastercard®

by Brendan Harkness @ Credit Card Insider

The HSBC Cash Rewards Mastercard provides an easy way to earn some rewards no matter what you’re buying. It provides 1.5% cash back for every purchase. There are no bonus categories to think about. But there is a signup bonus that’s pretty competitive with other credit cards. You’ll get a slight bonus to your rewards […]

The post Review of the HSBC Cash Rewards Mastercard® appeared first on Credit Card Insider.

$300 Bonus For A New Discover Checking Account - Takeoff With Miles

$300 Bonus For A New Discover Checking Account - Takeoff With Miles


Takeoff With Miles

Get $300 bonus when you open a new Discover checking account. Check out for more details regarding the offer and how to apply

Chase Bank Business Savings Account $200 Cash Promotion

by MM Team @ Banking Bonuses – Maximizing Money

Get a $200 bonus when you open a Chase Business Savings Account in-branch and deposit a minimum of $15,000 for at least 90 days. [Read More] Chase Bank Business Savings Account $200 Cash Promotion

The post Chase Bank Business Savings Account $200 Cash Promotion appeared first on Maximizing Money.

How to Save $1,000 in Less Than a Year

by banksadmin @ Banks.org

How would you like to save $1,000 by setting aside less than $50 a week? As a bonus, it doesn’t even take a year, just 44 weeks. You can start on any week, at any time. All you need is … Continued

Banking Trends in 2016

by banksadmin @ Banks.org

The banking industry has always been in a state of change, especially over the past decade. With new technologies and ways to improve productivity surfacing every year, banks are engaging in these changes to increase customer loyalty and maintain competition. … Continued

Discover Checking rewards changing

by @Stubtify @ Discover Checking rewards changing

@Stubtify wrote:

Good Data Point.

I’ve actually yet to find anywhere that takes it as a Debit card other than ATMs.

Read full topic

Discover Increases Checking Bonus to $300 - Frequent Miler

Discover Increases Checking Bonus to $300 - Frequent Miler


Frequent Miler

Discover is offering current customers a $300 bonus for opening a checking account and receiving two direct deposits within 90 days.

Review of the Deserve Edu Mastercard

by Brendan Harkness @ Credit Card Insider

The Deserve Edu was made for students without a credit history. If you’ve never had a credit account of any kind, this card offers a way into the world of credit. That’s because this card issuer will consider more of your personal information when you apply. Rather than just looking at your credit and financial […]

The post Review of the Deserve Edu Mastercard appeared first on Credit Card Insider.

ICYMI: E-Trade Super Bowl 2018 Commercial “This Is Getting Old”

by Jonathan Ping @ My Money Blog

E-Trade’s newest commercials (remember the baby?) have the basic premise of (1) you don’t have enough money and (2) to solve this, you should open an E-Trade brokerage account. The Super Bowl commercial was more specific: Don’t be 85 years old and #stillworkin. Here’s the full commercial from YouTube: ICYMI: E-Trade Super Bowl 2018 Commercial […]

Is the TD Ameritrade Client Rewards Credit Card a Good Deal?

by Colin Robertson @ The Truth About Credit Cards.com

I have an Ameritrade account and the other day upon signing out I was shown an ad for the TD Ameritrade Client Rewards credit card. To be honest, I didn’t even know they offered a credit card, though it’s not in the least bit surprising. I figured it’d be prudent to take a look at … Continue reading "Is the TD Ameritrade Client Rewards Credit Card a Good Deal?"

Capital One Credit Card Offers

by feedback@creditdonkey.com (Anna G) @ CreditDonkey Reviews

Capital One is offering lucrative promotions for new credit card applicants. Which deal is right for you? Read this in-depth guide.

Capital One credit cards don't seem to get as much attention as other cards. But there are some excellent promotional bonus offers. And Capital One has an option for almost everyone, no matter what your credit is.

Capital One Promotions

Read on for the list of current card promotions for new applicants. Apply for a new Capital One credit card from this list and make the qualifying purchases within the specified timeframe to get the bonus promotion.

Tip: Have an existing balance to transfer? Read this Capital One balance transfer guide before you apply.

Cash Rewards Cards

Travel Reward Cards

Fair/Limited Credit

Bad/Limited Credit

Student Credit Card

In-Depth Guide to Capital One Credit Cards

Which Capital One Deal Is Right for You?

To pick the right card for you, consider the following factors:

  • Your credit score: The good thing about Capital One is that they offer credit cards for a range of credit scores. Your credit score will largely determine what card you're able to quality for. Below, we tell you the credit qualification for each card.

  • Annual fee: How often will you use your new Capital One card? Cards with annual fees usually offer more rewards or benefits. But before you apply for the credit card, think: will you realistically earn enough in rewards to make up for the expense?

  • Cash back vs travel miles: Cash back will allow you to use the rewards however you like. But if you like to travel, Capital One's travel reward cards allow you to earn miles for travel purchases and offer great travel benefits.

Tip: One thing we really applaud Capital One for is that they NEVER charge a foreign transaction fee. Many other banks charge a 3% fee for purchases made outside of the US. Capital One does not do this, so you can travel abroad with any of their cards.

Capital One Credit Card Offers for New Applicants

New Application: Before you apply for a new Capital One card, here are some things you need to know.

  • You can see which cards you're pre-approved for on Capital One's website.
  • You can only have 2 personal Capital One cards at a time.
  • You will not be matched to a higher bonus if a better offer comes along after your application. Make sure you're applying when the bonus is the biggest.
  • Capital One business cards do show up on your personal credit report as well.
  • Capital One does a hard pull from all 3 credit bureaus when reviewing your application.

We'll make your decision simpler with side-by-side Capital One offers comparisons below.

Earn Cash Back: Capital One Quicksilver Cards

If you'd prefer cash back, Capital One has two options: Quicksilver and Quicksilver One.

Both cards offer 1.5% cash back on all purchases. The difference is that they cater to people with different credit ranges.

  • Capital One Quicksilver (read review) is for those with excellent credit. It has a sign-up bonus of $150 if you spend $500 within three months of account opening. It also has a 9-month, 0% intro APR on new purchases and balance transfers (after that, variable APR is 14.24% to 24.24%).

  • In comparison, Capital One QuicksilverOne is for those with fair/average credit. It has no sign-up bonus and no intro APR. There is an annual fee of $39. But it's rare to find a reward card for those with fair credit. You can also get a higher credit line after making 5 monthly payments on time.

    To make up for the $39 annual fee, you would have to spend at least $2,600 in a year ($217/month) on your card. With 1.5% cash back on every purchase, that would equal $39, breaking even.

Travel Rewards Promotions: Venture Cards

If you like to travel, consider one of Capital One's travel reward cards. You earn "miles" that you can use towards any travel purchase on your statement.

Capital One offers two travel reward cards: Venture and VentureOne. Both give you travel miles, but one has more rewards and an annual fee.

  • Capital One Venture (read review) offers 2x miles on all purchases. You get 50,000 bonus miles (equals $500) if you spend $3,000 on purchases within three months of account opening. There is a $95 annual fee.

  • Capital One VentureOne has no annual fee, but offers less rewards. You get 1.25x miles on all purchases. You get 20,000 bonus miles (equals $200) if you spend $1,000 on purchases within three months of account opening. Another advantage is that it has an intro APR on purchases.

You generally need excellent credit for these travel reward cards.

Tip: Even though the Venture has a $95 annual fee, the much higher bonus and earning power will make it more valuable if you travel often. You will earn more rewards if you spend at least $12,667 a year ($1,056/month) on your card.

If you don't travel often, then consider whether a cash back card (like the Quicksilver) is better since it has no annual fee and gives you 1.5% back (instead of just 1.25x for the VentureOne).

Capital One for Students

Capital One offers the Journey Student Rewards credit card for college students. Having a card in college is great for building credit and covering necessities and emergencies.

It offers 1% cash back on all purchases. And if you pay on time, you can get a total of 1.25% back for the month. This teaches college students to be financially responsible early on.

It has no annual fee. You don't need to have prior credit history, but you may need a cosigner.

Capital One for Limited Credit

If your credit score is less than stellar, there are a couple of options for you too.

  • Capital One Platinum is for those with fair or limited credit. It's usually hard to get a credit card with no annual fee when you have lower credit. So it's great that Capital One provides this option. There are no rewards, though. You can get a higher credit limit if you make 5 monthly payments on time.

  • Capital One Secured may be your only option if you have bad or no credit at all. You need to put down a cash deposit, which becomes the "security." The good thing about Capital One's Secured card is that you may qualify for a higher credit line than your deposit. Depending on your credit history, you may only need to put down a $49 deposit to receive a $200 credit line.

    If you make 5 monthly payments on time, you can get a higher credit line with no additional deposit. There is no annual fee.

Capital One for Small Business

You don't have to be a large corporation to get a business credit card from Capital One. Are you a freelancer? Do you have a side gig?

You spend a lot of money running your business. Why not take advantage of that spend?

Capital One offers several small business cards for cash back and travel miles. Read on for the latest Capital One business credit card promotions.

Business Credit Cards with Cash Back

The Spark Cash has a lot larger bonus and you get more back for each dollar you spend. It's the better choice if your business spends more than $19,000 a year ($1,584/month). You will earn more net cash back even after the $95 annual fee.

If your business is new, you may like the no-annual-fee Spark Cash Select. It has a 0% intro APR on purchases for 9 months (after that, variable APR is 14.24% to 22.24%), which is great if you don't yet have steady cash flow.

Do you have average credit? Capital One also has the Spark Classic for business owners with lower credit scores. You get 1% cash back on all purchases and there is no annual fee.

Business Travel Rewards

If your business has travel needs, consider one of these travel reward cards instead. Remember, you don't exactly get "miles" to use with airlines. They're more like general travel points that you can apply toward any travel purchase on your statement (flights, hotels, car rentals, taxis, etc.).

Just like their cashback cousins, the Spark Miles is better if your business has higher expenses, while the Miles Select is better for new businesses.

Sign-up Bonus: Making Your Choice

Hopefully, certain bonuses stuck out for you as you looked down this list. Which card is the best fit for you depends on your spending patterns and what you hope to get out of your credit card. As with any credit decision, research is important to make sure you pick the card that's best for your specific financial situation.

Remember: as with all credit card and bank offers, terms and limitations apply.

Capital One Credit Card Offers appeared first on CreditDonkey

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One.

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® Spark® Classic for Business, Capital One® Venture® Rewards Credit Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, Capital One® VentureOne® Rewards Credit Card, Journey® Student Rewards from Capital One®, Capital One® Spark® Cash Select for Business, Capital One® Spark® Miles Select for Business, Capital One® Platinum Credit Card, and Capital One® Secured Mastercard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

E*Trade Review and Current Promotions

by Kevin Mercadante @ Consumerism Commentary

E*TRADE set the bar as one of the first online discount brokers. But is it the broker you should be using? We help you answer that question in our E*TRADE review. It’s curious that the editorial team here at Consumerism Commentary has never reviewed E*TRADE before today. I say that because we have written about […]

The post E*Trade Review and Current Promotions appeared first on Consumerism Commentary.

Debitize: Will Making Your Credit Card Feel Like Debit Help You Budget? ($10 Bonus)

by Jonathan Ping @ My Money Blog

In our increasingly cashless world, I prefer to use credit cards over debit cards for a few reasons: Credit cards usually have better cash back, points, or rewards programs. Credit cards have additional features like free checked bags, extended warranties, and price drop protection. Credit cards have more consumer protections explicitly required by federal law. […]

Wyndham Hotels Promotion: Stay Twice, Get One Free Night at Any Wyndham

by Jonathan Ping @ My Money Blog

Wyndham Hotels has a new Stay Twice, Get a Free Night promotion. Wyndham Hotels is an interesting chain of hotels that includes Days Inn, Travelodge, Super 8, Howard Johnson, Ramada, Dolce, Wingate, and Wyndham Grand hotels. If you register here first as a Wyndham Rewards member, book by 6/30/18, and make two stays by 7/1/18, […]

A Crazy Couple Months of Bank Bonus Opportunities

A Crazy Couple Months of Bank Bonus Opportunities


Money Metagame

Our primary strategy for credit cards involves rotating through signup bonuses at a pace where our regular spending matches up with the minimum spend requirements.  This doesn’t stop me from …

4 Ways to Get Max Value From Discover Cash Back Rewards | Credit.com

4 Ways to Get Max Value From Discover Cash Back Rewards | Credit.com


Credit.com

Discover has a generous and flexible cash-back program. Here's how you can make the most of it.

Switching Banks: A Strategic Move for Your Money?

by banksadmin @ Banks.org

Everyone is probably familiar with the unpleasant narratives of those who are lackadaisical about keeping track of their money.  For the apathetic who do finally risk evaluating their checking and savings accounts, discovering the fees charged to their account and … Continued

Discover Checking rewards changing

by @FracturedChaos @ Discover Checking rewards changing

@FracturedChaos wrote:

Discover Debit Card also does not link to Apple Pay Cash. I called in to Discover and they are aware of the issue and state that they are still working out making their Debit card compatible with Apple Pay Cash.

Read full topic

Synchrony Bank High Yield Savings Account Review

by banksadmin @ Banks.org

The Synchrony High Yield Savings Account is a low-risk investment option you’ll want to explore if you’re looking for a solid interest rate with a trusted online bank. About Synchrony Bank Synchrony Bank is a well-known credit card issuer for many retail … Continued

Chase United MileagePlus Explorer Review: 50,000 Bonus Miles + $100 Statement Credit

by Anthony Nguyen @ Bank Checking Savings

When you sign up for a United MileagePlus® Explorer Card you can earn yourself a attractive 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months of account activation. Also, you can earn $100 statement credit after you make your first purchase. In addition to that, get priority boarding and 2 redeemable United Club passes each year, so I... Keep Reading↠

The post Chase United MileagePlus Explorer Review: 50,000 Bonus Miles + $100 Statement Credit appeared first on Bank Checking Savings.

Mango Money Review: Earn up to a 6.00% APY on Savings

by banksadmin @ Banks.org

Many people are so discouraged with the abysmal interest rates offered for saving and checking accounts today, it seems impossible to think there could be a glimmer of hope on the horizon.  Gone are the days when a person might … Continued

Get $150 or $200 Discover Bank Online Savings Account Bonus

Get $150 or $200 Discover Bank Online Savings Account Bonus


Cash Bonus Money

Get $150 or $200 Discover Bank savings account bonus when you open Discover Online Savings Account by October 2, 2017. You will receive $100 savings acco

Hand luggage rules- yellow tag

by South London Bon Viveur @ FlyerTalk Forums

The other day I was coming back from ZUR (in Y) and, unusually for my SH flights, I was checking in hold baggage. I also had my usual hand baggage with me, namely one medium/large rucksack type bag. It usually fits under the seat in front, although...

Premier America Credit Union Promotions: $50 + $50 Bonus [CA, TX Residents]

by Tony Phan @ MoneysMyLife

Premier America Credit Union promotions and sign-up bonus offers will be updated at this page. Typical offers in the past have been for $100 to $200 in bonus cash. Headquartered in Chatsworth, California and established in 1957, Premier America Credit Union has around 20 locations in California and Texas. If you’re not a resident of either […]

Cashback Checking | Online Checking Account | Discover

Cashback Checking | Online Checking Account | Discover


Discover Bank

Online checking accounts from Discover Bank, Member FDIC offer no monthly fees or balance requirements. Open a Discover Cashback Checking� account today.

Best Bank Account Bonuses For February 2018 | Bankrate.com

Best Bank Account Bonuses For February 2018 | Bankrate.com


Bankrate

Walk away with sacks of cash just for opening a checking or savings account.

Amboy Direct eSavings Account $50 Bonus Review

by Adam Luehrs @ Consumerism Commentary

Amboy Direct offers an eSavings account with a competitive rate and a $50 bonus. Get all of the details in our Amboy Direct review. There’s a chance to get a cash bonus of $50 if you’re planning to open a new interest-earning bank account. Amboy Direct is offering a limited-time bonus for new customers of […]

The post Amboy Direct eSavings Account $50 Bonus Review appeared first on Consumerism Commentary.

$10 off at Amazon with Discover (widely available)

$10 off at Amazon with Discover (widely available)

by Nick Reyes @ Frequent Miler

Amazon and Discover are out with a new promotion offering $10 off your next order when you change your 1-click payment setting to a Discover card. This promotion appears to be targeted, but I was able to force it to show up (even after it initially said I wasn’t targeted) by following the steps below (courtesy of Doctor of Credit). The Deal Save $10 on your next eligible Amazon.com purchase (on items shipped & sold by Amazon) when you change your 1-click…

The post $10 off at Amazon with Discover (widely available) appeared first on Frequent Miler.

Bank Of America Personal Checking Review: $300 Promotion

by Tony Phan @ Bank Bonus Guy

Bank of America has two personal checking account options to choose from, which I’ll review here, along with some current sign-up promotions. BOA Personal Checking review highlights: Current promotions Checking account comparisons This $300 bonus from Bank of America is for a new Core or Interest checking account and direct deposit is required. You must […]

7 of the Best Places to Open an IRA in 2018

by Kevin Mercadante @ Consumerism Commentary

Opening an IRA is an important decision. To help, here is our survey of the best IRA accounts for 2018, including fees and features of each option. Just about every bank, investment brokerage, and robo-advisor welcomes Individual Retirement Accounts (IRAs). But there are a handful of institutions that stand out above the rest. Below are […]

The post 7 of the Best Places to Open an IRA in 2018 appeared first on Consumerism Commentary.

Ally Bank Online Checking, Savings, CD, Investing Promotions

by Tony Phan @ MoneysMyLife

Ally Bank is another great online-only bank, and offers nationwide online Checking, Savings, Money Market, CD and IRA accounts that earn market leading rates. Ally Bank is an internet-only bank based in Utah and offers a wide variety of deposit accounts, as well as auto financing services. Their online banking platform features Ally eCheck Deposit, which offers […]

The Best Prepaid Debit Cards of 2018

by Luke Landes @ Consumerism Commentary

Find the best prepaid debit cards of 2018, including low fee cards and those you can use for free. We compare features, fees, and bonuses. Prepaid debit cards have always been a controversial topic. Some cards carry insanely high fees just for making everyday purchases. Suze Orman’s entry into the prepaid card business, the Approved […]

The post The Best Prepaid Debit Cards of 2018 appeared first on Consumerism Commentary.

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)


Wallet Hacks

See the best nationally available bank promotions and signup bonuses available ($100 minimum!) - we keep this list of 20+ bank offers updated weekly. No expired promotions or tiny banks listed, just nationally available, easy to get promos.

CIT Bank Review and Bonuses

by Stephanie Colestock @ Consumerism Commentary

CIT Bank bonus offers can be very rewarding. We track these bonuses and CIT rates, which currently are the best you’ll find for an online savings account. Everybody needs a safe place to tuck away their emergency fund or vacation savings. A high yield savings account is a great option. Considering that the average savings […]

The post CIT Bank Review and Bonuses appeared first on Consumerism Commentary.

The 8 Best Bank Promotions (Checking and Savings) in 2018

The 8 Best Bank Promotions (Checking and Savings) in 2018


The Dough Roller

Looking for the best checking accounts or savings accounts? These bank promotions can get you cash back when you open a new account and a top APR.

Discover Checking rewards changing

by @loper @ Discover Checking rewards changing

@loper wrote:

Discover Checking is changing its 10 cent per transaction ( bill pay, checks, debit card ) to 1% on debit card purchases up to $3000 in purchases per month. This may or may not be an improvement depending on if you were into using it for micro-transactions.

Read full topic

Review: Discover Checking Account

Review: Discover Checking Account


Investopedia

Will having a Discover checking account save you money? It will save you fees.

Discover Checking rewards changing

by @Griz @ Discover Checking rewards changing

@Griz wrote:

My guess is they’ll make for debit purchases not ACH pulls/pushes which is how most cc payments work.

Read full topic

BBVA Compass Bank 12-Month Certificate of Deposit Account: Earn 1.50% APY [Nationwide]

by Danny Nguyen @ Bank Deal Guy

Available nationwide, you can earn 1.50% APY when you open up a new 12-Month CD Account with BBVA Compass Bank! Below is all the information and details you need to open your BBVA Compass Bank 12-Month Certificate of Deposit Account to earn 1.50% APY! Editor’s Note: See our full list of BBVA Compass Bank Deals, Bonuses, Rates, and Promotions. BBVA Compass Bank... Read More →

The post BBVA Compass Bank 12-Month Certificate of Deposit Account: Earn 1.50% APY [Nationwide] appeared first on Bank Deal Guy.

Advantages and Disadvantages of an Online Savings Account

by banksadmin @ Banks.org

It is important for everyone to have some sort of savings. Depending on your age and how much money you have to put into savings, there are many different options available. For some people, a traditional in bank savings account … Continued

Now Public, Earn 10,000 IHG Points with Kimpton Stay

by DDG @ Danny the Deal Guru

Stay between January 1 and April 30 and get customized offers, bonuses, and the chance to earn points faster. As an extra bonus, receive an additional 10,000 points with your next Kimpton Hotels stay.

The post Now Public, Earn 10,000 IHG Points with Kimpton Stay appeared first on Danny the Deal Guru.

M&T Bank $150 Cash Bonus For Personal Checking Accounts

by Tony Phan @ Bank Bonus Guy

Get new M&T bank promotions, bonuses and offers here. Typical bonus amounts have been for $100, $150 and $200. M&T Bank has branches in these states: Connecticut, District of Columbia, Delaware, Florida, Massachusetts, Maryland, New Jersey, New York, Oregon, Pennsylvania, Virginia, and West Virginia. M&T Bank review highlights: M&T checking promotion Author’s verdict Expiration: 06/30/2016 […]

Discover Checking rewards changing

by @Ma_Barker @ Discover Checking rewards changing

@Ma_Barker wrote:

[quote=“FracturedChaos, post:5, topic:1790”]
-Purchases made using third-party payment accounts (services such as Venmo® or PayPal?)
[/quote]I was hoping billpay service offered by WM would count but I’ve read someone clarified that billpay services like those for payments to anything/anyone will not count for CB.

Read full topic

Review of the SimplyCash® Plus Business Credit Card from American Express

by Brendan Harkness @ Credit Card Insider

This is a review of the SimplyCash® Plus Business Credit Card from American Express. This card offers low-cost way to pay for business expenses, at no annual fee. There are some good cash back rewards to be earned, and you can choose one of your bonus categories. You’ll have 9 months at 0% interest for […]

The post Review of the SimplyCash® Plus Business Credit Card from American Express appeared first on Credit Card Insider.

HSBC Premier World Elite MasterCard Review: 50k Bonus and $100 Uber/Lyft Credit

by Colin Robertson @ The Truth About Credit Cards.com

It seems that just about every day a new credit card is being released, with the latest being the “HSBC Premier World Elite MasterCard.” This new credit card aligns with the likes of American Express Platinum and Chase Sapphire Reserve in its premium qualities, and unlike many other cards, allows points transfers to frequent flyer … Continue reading "HSBC Premier World Elite MasterCard Review: 50k Bonus and $100 Uber/Lyft Credit"

Hard Pull Vs. Soft Pull Data For Opening Top Bank Accounts

by Tony Phan @ Bank Bonus Guy

Here’s a guide on which Banks will do a Hard or Soft credit inquiry when opening new Checking, Savings and Business accounts. This is important when you’re looking to take advantage of new bank promotions offering cash at sign-up. You’ll want to be careful about getting too many Hard inquires if you’ll be applying for […]

Discover Checking rewards changing

by @montee4 @ Discover Checking rewards changing

@montee4 wrote:

Cpaynter,

Where are you at? I am out in Illinois and the Woodmans in North Aurora now takes Discover Credit at the Gas Pumps and for Groceries. You may check again as they just started taking Discover credit out here a few months ago.

Read full topic

Self Lender Review: Is It Good?

by feedback@creditdonkey.com (Kim P) @ CreditDonkey Reviews

Self Lender promises to help you build credit. But is it legit? Read this review to learn how it works.

If you don't have a credit history, creditors probably won't give you a chance. How can you build credit without someone giving you a break?

Enter Self Lender - a credit monitoring and credit building system that helps people with low or damaged credit increase their credit score.

Read on to see if Self Lender might be the right service for you.

What Is Self Lender?

Self Lender is a free credit monitoring system. But they also offer credit building loans. This is where they make their money.

Self Lender's credit monitoring service gives you on-demand access to your credit score. It gives you access to your credit history at all times. Self Lender also offers suggestions on how to improve your credit. They provide all of this free of cost.

However, the credit building loan is the real meat and potatoes of Self Lender. They provide loans regardless of your credit score. The main purpose of the loan is to build or improve a low credit score. In other words, they give you a chance no matter how many other lenders turned you down.

How Self Lender Works

The Self Lender loan isn't your typical loan. Think of it like a loan in reverse. You don't receive the proceeds from the loan upfront. Instead, it's placed in a Certificate of Deposit for you. The maturity date equals the term of the loan.

You then make payments over the course of the term of the loan (12 to 24 months). Your payments are both principal and interest. At the end of the term, the CD matures. You receive the principal, plus the small amount of interest it gained during that time.

As you make payments, Self Lender reports them to Experian, Equifax, and TransUnion. If you make your payments on time, this will help build up your credit score.

Some people think of it like a forced savings program. In order to receive the savings, you have to make timely loan payments. At the end of the term, you will receive the principal amount paid for the loan.

Who Benefits from Self Lender?

Self Lender is ideal for people who have little to no credit. If you've ever tried to apply for credit only to be turned down because you don't have any credit, you are a good candidate. How are you supposed to prove you are credit worthy if no one will extend credit?

This is where Self Lender helps the most. They don't pull your credit to determine eligibility.

It can also be a good option for those with damaged credit. With a poor credit history, many creditors will turn you down for new credit. Without new credit, it's nearly impossible to rectify your score. Self Lender can help by providing you with the credit building loan.

Before you jump on board though, make sure you meet the following requirements:

  • You are at least 18-years old
  • You have a valid bank account
  • You can afford the monthly payments that vary between $25 - $194 per month
  • You could benefit from a forced-savings account

Opening an Account and What It Costs

Opening a Self Lender account takes about five minutes. They need the following information:

  • Name
  • Address
  • Social Security number
  • Date of birth
  • Amount of income

Once you provide this information, Self Lender runs a check on ChexSystems. Similar to running your credit, this system checks your bank account history. This keeps an eye on how you treat your bank accounts. They look for overdrafts and bad checks. However, unless you let your overdrafts sit unpaid, you should be in good shape.

If your ChexSystems report comes back clean, Self Lender will ask you which loan amount you want from a predetermined list of options:

  • $525 ($25 paid over 24 months)
  • $545 ($48 paid over 12 months)
  • $1,000 ($89 monthly payment over 12 months)
  • $2,200 ($194 monthly payment over 12 months)

You then enter your payment information. You can use a checking account or debit card. However, using a debit card will cost you an additional 2.99% plus $0.30 as a convenience fee. Using your checking account is best.

Self Lender also charges a small administrative fee based on your loan amount. It varies between $9 and $15. The fee is non-refundable, but is a one-time fee.

How the Credit Builder Loan Helps

The moment you take out the Credit Builder Loan, you have a FDIC-insured Certificate of Deposit opened in your name. Like any other CD, you cannot touch the money until it reaches maturity. In this case, it's 12 or 24 months.

The bank deposits the full amount in the CD, allowing it to earn 0.10% interest over the next 12-24 months. While the interest is really peanuts, the real benefit lies in the payments you make towards the loan.

As long as you make each loan payment on time, Self Lender reports the timely payments to the credit bureaus. According to Self Lender, on average clients with the standard $1,100 loan and timely payments see their credit score increase as much as 45 points in just 6 months.

This only works, however, if all aspects of your credit are in line. For example, if you have a credit card with another company that you let default, your credit score will fall. This is independent of what the Credit Builder loan can do for you. It's up to you how you handle all aspects of your credit profile.

Tip: It's best if you do not pay the Credit Builder Loan early. The main benefit is the timely payments reported to the credit bureau. If you pay it off early, you negate the benefits of the loan. Plus, you cannot touch the CD until maturity or you risk paying a penalty.

Pros and Cons of Self Lender

As with any financial product, there are pros and cons of Self Lender.

Pros

  • All payments are reported to the credit bureau to help you build a credit profile.
  • You have a "forced" savings account.
  • You don't need a credit check to get approved.
  • The upfront administrative fee is affordable.
  • The interest rate is often less than that of a credit card.
  • An installment loan may diversify your credit mix, which further helps your credit score.

Cons

  • If you have a negative history with bank accounts, you may not qualify.
  • Late payments are reported to the credit bureaus and could damage your credit.
  • It costs you 5% per monthly payment if you miss the grace period of 15 days.
  • The interest earned on the CD is next to nothing.
  • You have to pay to take out the loan versus other free ways to build credit.

How It Compares to Other Options to Build Credit

Self Lender isn't the only way consumers with thin or damaged credit can build credit.

  • Secured credit card: This option isn't free upfront, but it can be if handled correctly. Your credit line equals your deposit. You can find secured credit cards that require as little as $200 deposited. If you pay the balance off each month, you don't pay any interest. You can also get your deposit back if you upgrade or close your account.

  • Co-signer on a loan: If you have a willing co-signer for a loan, you may be able to get approved for a standard credit card or installment loan.

  • Authorized user: Ask to become an authorized user on a parent, sibling, or other close relative's credit card. Make sure you ask the credit card company beforehand if they report payment history for authorized users, though.

Bottom Line

If you've exhausted all other "free" options to build credit, Self Lender can be helpful. If you don't have anyone who can co-sign a loan or make you an authorized user, you have two options: a secured credit card or Self Lender. If you don't have the money to open a secured credit card, Self Lender may offer the lower cost way to build your credit.

Make sure before you take this option that you can afford the monthly payments. Paying for a loan that you will only pay late will damage your credit score and cost you money. When taken responsibly, though, the service can help you improve your score in a short amount of time.

Self Lender Review: Is It Good? appeared first on CreditDonkey

5 Tips When Choosing an Online Savings Account

by banksadmin @ Banks.org

There are more and more online savings accounts popping up. These accounts are generally limited solely to the internet, which means that there are no brick and mortar locations for you to visit. They can provide a variety of benefits, … Continued

Citi ThankYou Points: Rewards Review

by feedback@creditdonkey.com (Dylan Y) @ CreditDonkey Reviews

Learn what is ThankYou Points and how much a point is worth. Read this review to find the best ways to earn points fast and how to redeem for best value (including the top Citi transfer partners).

Citi ThankYou Points

If you're considering signing up for a ThankYou Rewards card, you're probably wondering how much its rewards will be worth. Between Citi's roster of rewards cards and redemption options, finding the answer can be a little overwhelming.

So, to simplify your search, we're breaking down the value of Citi ThankYou Points and the cards that earn them. Read on for a full review of the Citi ThankYou Rewards program.

How Much Are Citi ThankYou Points Worth?

In terms of redemption options, here's how much your points will be worth:

  • Book travel through Citi: 1.25 cents per point with the Premier and Prestige (or 1 cent per point with the Preferred)
  • Gift cards: 1 cent per point (or less)
  • Shopping: 1 cent per point (or less)
  • Shop through Amazon: .8 cents per point
  • Statement credit: .5 cents per point
  • Cash back: .5 cents per point
  • Transfer to an airline or hotel partner: 1:1 ratio or less

Note: The points and redemption values are based on November 2017 data. Redemption options and value can change at any time.

Beyond redeeming points, each ThankYou Rewards card earns points differently, so the value of your ThankYou points will depend, in part, on how you earn them.

Citi ThankYou Rewards Cards

Citi's ThankYou rewards cards vary in terms of annual fees, bonus spending categories, redemption options, and perks.

  • Citi ThankYou Preferred Rewards: The Citi ThankYou Preferred is a no-frills, straightforward card for people who want to earn rewards without the hassle of activating rotating bonus categories. It doesn't come with the valuable redemption options of the Premier or Prestige, but it also doesn't come with an annual fee.

  • Citi ThankYou Premier: The Citi ThankYou Premier might be better suited to you if you travel, dine out, or go to live events often. It's a mid-range rewards card with a nice array of travel perks and protections.

  • Citi ThankYou Prestige: The ThankYou Prestige is a high-end option geared towards people who like to travel on points. It comes with a sizeable annual fee and a long list of valuable travel benefits, perks, and protections.

Best Way to Earn Citi ThankYou Points

  • Earn a sign-up bonus. If you're looking to apply for a new card, your best bet to rack points up quickly is to meet your new card's spending minimum and qualify for its sign-up bonus.

    If you're considering signing up for a new credit card, it might be worth waiting until a big promotion comes along. Without those extra points, the Citi cards are significantly less competitive compared to other travel credit cards.

Tip: You can also earn extra points by taking advantage of your card's bonus spending categories or by linking a Citibank checking account and completing qualifying activities.

Best Way to Redeem Citi ThankYou Points

Most redemption options will give you a value of 1 cent per point, including redeeming points for online shopping, statement credit or cash back, and donations. A more valuable option: using your points for travel.

  • Redeem points to book travel
    When you use your points to book travel through Citi - including airline tickets, hotel accommodations, car rentals, cruises, and vacation packages - you'll get the standard 1 cent per point redemption value. But you'll get a better redemption rate with the Premier and Prestige: the Premier's points will redeem for 1.25 cents each, and the Prestige's points for 1.33 cents each.

    You can make your reservations through the ThankYou Service Center or thankyou.com, with no blackout dates, minimum stay requirements, or seat restrictions. As a bonus, you'll still earn points on award flights bookings.

  • Transfer your points.
    You won't always get the best deal on travel through the ThankYou Travel Center, but you can also use the Premier or Prestige to transfer your points to Citi's airline, hotel, and retail partners.

    With Citi, you can transfer your points to Hilton Honors at a 1:1.5 ratio, or to most airline partners at a 1:1 ratio. That might make Hilton sound like a better deal, but their high rates for award rooms means that transferring to an airline partner might actually give you better value.

Tip: You can combine your points with any other ThankYou rewards account - even ones that aren't in your name - but remember that shared points will expire 90 days after the transfer date.

Citi ThankYou Transfer Partners

If you carry the ThankYou Preferred, you'll be able to transfer your points to jetBlue TrueBlue at a 1,000:500 ratio. Otherwise, you can use your Premier or Prestige card to transfer your points to any of Citi's airline and hotel partners, although you won't get a 1:1 ratio with all of them.

Citi's travel transfer partners include:

  • Asia Miles
  • Etihad Guest
  • EVA Air
  • Air France/KLM Flying Blue
  • Garuda Indonesia Frequent Flyer
  • JetPrivilege
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • JetBlue TrueBlue
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club.
  • Hilton Honors

Search around for a transfer partner that offers a valuable award flight for your trip, and you'll likely be able to get more value out of your points than you would by booking travel directly through Citi.

The Bottom Line

The value of your ThankYou points will depend largely on which card you use, how you use it, and how you redeem your points.

If you're looking for straightforward rewards with no hassle - and no annual fee - then the Citi ThankYou Preferred might be for you.

But, if you don't mind paying an annual fee in exchange for better rewards and perks, then the Citi ThankYou Premier or Citi ThankYou Prestige is probably a better fit. Either will come with a higher rewards rate, better perks, and more transfer partners.

Citi ThankYou Points: Rewards Review appeared first on CreditDonkey

Editorial Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Disclaimer: The information for the Citi ThankYou® Preferred Card, Citi Prestige® Card, and Citi ThankYou® Premier Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

What Exactly is a Certificate of Deposit?

by banksadmin @ Banks.org

It’s never too early to begin building your nest egg. Safe and effective investments can help you slowly and steadily grow your savings. You may have heard the term “CD” commonly used in banking. If you’ve asked yourself, “What is … Continued

Capital One 360 Checking Review And Current Promotions

by Tony Phan @ Bank Bonus Guy

The Capital One 360 Checking is the online checking account option offered by Capital One bank. Because it is an online bank, anyone in the United States can apply. It has gained popularity due to it being fee-free and it’s actually an interest-earning checking account. Capital One 360 Checking review highlights: Current interest rates Account […]

Alliant Credit Union Checking, Savings, CD Promotions & Offers

by Tony Phan @ MoneysMyLife

Find the latest promotions, offers, and updated rate information for Alliant Credit Union here. Alliant Credit Union is based in Illinois and offers personal banking products and loans to hundreds of thousands of members. Unlike many credit unions, Alliant allows anyone nationwide to join with just a $10 charitable donation to Foster Care to Success. […]

How to Get Started with the Chase Mobile App

by Anthony Nguyen @ Bank Checking Savings

Chase Mobile is the mobile banking app for customers of JP Morgan Chase Bank, and it’s available for Android, iPhone, Windows, and Amazon Fire. The app offers a number of convenient features and can complete almost all of your personal banking tasks. Some of you guys out there may have trouble getting started with this app, so... Keep Reading↠

The post How to Get Started with the Chase Mobile App appeared first on Bank Checking Savings.

Review of the Amex Business Gold Rewards Card

by Brendan Harkness @ Credit Card Insider

The Business Gold Rewards Card from American Express OPEN is an interesting and flexible card. It’s designed to help fund your business expenses, and is good for making a variety of different purchases. Most reward cards come with a set of bonus categories that you have to either take or leave. But the Business Gold gives […]

The post Review of the Amex Business Gold Rewards Card appeared first on Credit Card Insider.

Discover Checking rewards changing

by @Stubtify @ Discover Checking rewards changing

@Stubtify wrote:

From the email I just got this appears to be live now. I’m pushing some money over and will be hitting this for the $3k a month to see what does/doesn’t work.

Read full topic

Discover Bank's Cashback Checking and Bonus Available to Existing Customers

Discover Bank's Cashback Checking and Bonus Available to Existing Customers


Deposit Accounts

For some reason Discover Bank seems to be taking forever to launch its new checking account, called Discover Cashback Checking. It’s now available, but it’s...

Discover Cashback Checking - Review

Discover Cashback Checking - Review


The Balance

A review of the Discover Cashback Checking account. 10 cent rewards - are they worth it?

Overview of High Yield Online Savings Account Options for 2016

by banksadmin @ Banks.org

Savings accounts: everyone should have at least one, but when your local bank is offering to pay you interest at dismal rates as low as 0.01%, saving can be downright discouraging. Thankfully, in the internet age we live in, savers … Continued

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