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Archives for August 2008Metropolitan National Bank is offering a $200 bonus for opening a free checking account. To qualify for this promotional checking account and bonus you do have to sign up for direct deposit of either a payroll check, government benefit or pension disbursement. The direct deposit has to be in place for six months. There is no minimum deposit to open the checking account. The $200 bonus will be credited to our account 30 days after the first full direct deposit is made. Other benefits of the free checking account
Update: WTDirect has ended this promotion. Now through September 5th, when you open a WTDirect Savings Account you will receive a bonus based on your deposit amount. Customers that keep a balance for 60 days earning WT Direct’s high rate will receive a bonus of $100-$250.
Deposit and balance for 60 days Bonus $10,000 $100 $15,000 $150 $20,000 $200 $25,000 $250 Be sure to use the promotion code “WTF3SOB” when completing the online application! Get a bonus of up to $250 when you open a WTDirect Online Savings Account
Washington Mutual Bank is offering one of the best CD rates, a promotional 13 month Certificate of Deposit (CD) with a 5.0% APY! Here’s the scoop. The minimum deposit is $1,000 and there isn’t a maximum deposit. This WaMu promotional CD isn’t available online - you will have to visit your local WaMu Bank to sign up for this deal. This 13 month CD rate is very competitive. The national average for a 12 month CD rate is currently 3.62% as reported by bankrate.com. You’ll have to hurry to take advantage of the special promo CD rate. It’s only available for a week but the deal is ending on August 29th. Update: Wamu is also offering a 12 month CD with a 5.0% APY. This CD rate is only available for their online CD, with a minimum deposit of $1,000.
There are three different benfeit options to choose from:
Considering that hardly anyone of us is going to file an individual lawsuit against TransUnion we like option number one the best ( $60 value) , unless you are trying to raise your credit score because you are going to purchase a house, then getting your credit score free for nine months, option two, might be better for you. How to register:
Register here for the TransUnion class-action settlement: settlement form
NewportFed is offering their eLoop Checking account that currently has an 5.51% APR for balances under $50,000. The minimum opening balance for this high yield checking account is $50. Any portion of the balance over $50,000 only earns a 1% APY. NewportFed is based in Newport RI, has been around since 1888 and is FDIC insured. You can open a checking account online or by calling (401)847-5500 Here are the requirements to qualify for the checking account rate. 1. Make at least 10 NewportFed Visa® Check Card purchases You will need following information to open the account:
NewportFed eLoop Checking Account Application:
Chase bank will give you for opening a Chase Free Checking account with direct deposit. The offer is only for exsiting Chase customers. Look for for the $125.00 certificate with your monthly statement and bring it to your local Chase bank to open the account. The checking account can also be opened online using the following Chase coupon code: 3291873253508570. The bonus is deposited into the checking account within 6 weeks of opening the account. The offer ends 10/31/08 Critieria for receiving the $125 checking bounus
The free checking account has the following benefits:
This offer excludes Chase’s High School Checking, College Checking, Chase Access Checking and the New Jersey Consumer Checking Account. To use the code and receive the bonus be sure to click on “Need to redeem a coupon code?” Coupon code: 3291873253508570
Some calculators also allow you to enter criteria such as how interest is compounded, usually daily or monthly. After the CD criteria is entered and calculated the ending balance, including interest earned and Annual Percentage Yield (APY) is given. The Annual Percentage Yield is the effective annual interest rate earned on a CD. The CD’s APY depends on the frequency of compounding and the interest rate. The best way to compare the rate of return on a CD is using the APY since it is the actual interest you will earn on your investment, use the APY to compare CD’s of different interest rates and compounding frequencies.
There are tons of CD Calculators out there to figure out the best CD Rate, we also use GMAC’s CD calculator since it has all the options we mention. GMAC CD Rate Calculator .
High Interest Checking Account Benefits:
Bank of Internet High Interest Checking Application: Apply Here Most people are unaware there is a service called the Certificate of Deposit Account Registry Service, or CDARS, that greatly simplifies the process of depositing more then $100,000 in CD accounts to qualify for FDIC insurance. The network of over 2000 banks is overseen by the FDIC and only banks with the highest FDIC rating can participate. How does the CDARS service work? Customers only have to work with one bank and only make one deposit. Their CD deposit is split across the network of banks of just under $100,000 to qualify for FDIC insurance. You can choose CD terms between 1 month to 5 years and you earn the same CD rate across all banks. You receieve one statement that details your CD investments in all banks. There are no transaction fees, annual fees or fees of any kind. Since your CD deposits are fully insured by the FDIC you do not have to collateralize your deposits. Watch this short video on how CDARS works CDARS video Locate a CDARS member bank by state here: CDARS bank locater by state
CapitalOne Bank is offering the following CD rates and Jumbo CD rates. The minimum deposit required to open a non-jumbo Certificate of Deposit is $5,000 and The minimum deposit required to open a jumbo Certificate of Deposit is $100,000. These rates are as of 7/31/08. The rates are very competitive and are some of the best cd rates offered today. Regular Certificate of (CD) Deposit Rates
Jumbo Certificate of (CD) Deposit Rates
ING Bank is offering tiered rates on their Orange Checking Account. The rate for balances under $50,000 is 1.75% APY , $50,000 and over the rate is 3.20% APY, $100,000 and over the rate is 3.40% APY. The good news is your entire balance receives the same rate once you reach the minimum threshold. Another neat feature about the checking account is ING’s Send Paper Checks service, checking writing is done online and ING sends a paper check via first-class mail the following business day, the best part is, you don’t have to pay for postage or envelopes! The ING Bank Orange Checking Account Benefits:
ING Bank Orange Checking Account Application
FlagStar Bank is offering a money market account rate of 3.65% APY. The minimum opening balance is $1.00 and you can open an account online at FlagStar Bank or by calling 1-800-642-0039. The money market account also includes check writing privigles (you do not have to open a seperate checking account) with online banking, free bill payment and banking by phone or PDA. Benefits of the FlagStar Money Market Account
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TransUnion, one of the three major credit reporting agencies, has settled a class-action lawsuit, the suit was filed against TransUnion because they were selling customer profiles to third parties, though the company denies any wrongdoing it has decided to settle the suit. TransUnion has setup a website for the settlement, 
Figuring out how much interest you will receive when investing in a Certificate of Deposit (CD) is easy with a 
