24

05.11

Reward Checking Account with Bank Texas

If you’re a TX resident, you might want to check out these reward checking rates offered by BankTexas in TX at 3.25% APY.

Here are a few things you’ll want to know:

  • The MyCash Checking is available at 3.25% APY on balances up to $10,000.00 and 0.14% on balances over $10000.
  • 10 debit card transactions or micropayments are required each monthly statement cycle.
  • 10 debit card transactions
  • 1 direct deposit or 1 ACH auto debit.
  • Receive your monthly account statement electronically

Some other features of the account include No Minimum Balance. This bank has locations in the South-West and is available exclusively for Texas residents.

For more details, visit the website at http://www.banktexas.org/ or call 903 769 9320.

“What is a Reward Checking Account?”

High yield checking account programs offer a lot for consumers. Check out our Reward Checking Accounts 101 blog post if you’re not familiar with their benefits and want to learn more.

Do You Know the #1 Complaint of Reward Checking Accounts?

The debit card transactions, or the micro-transactions requirement, are the #1 complaint of reward checking account holders and the top reason why the highest interest rate is not earned out consistently. MicroMaximus solves that problem. We offer a way to automate your debit card transactions and schedule the micro-transactions all at once. No long-term plan, no high fees, no hassle. Visit our reward checking account solutions today at www.MicroMaximus.com.

 

Posted 05.24.11 by in Bank Accounts •Reward CheckingComments Off

17

05.11

Reward Checking Account in Oklahoma : 4.11% APY

Oklahoma residents interested in free reward checking may want to check out Liberty National Bank offering personal checking accounts at a rate of 4.11% APY.

To qualify for the 4.11% interest rate on a maximum balance of $10,000. Kasasa Cash has a few requirements card holders must meet every monthly statement cycle:

  • Have 12 debit card purchases post
  • Receive your monthly account statement electronically
  • 1 Automatic Payment or Direct Deposit transfer

For balances above $10,000 a 0.50% APY rate is available. If monthly qualifications are not met, account holders will still earn 0.50%. Make sure to read the fine print—it states that all requirements must be posted to the account within the month’s designated cycle.

Follow the link to the website for full details: http://www.lnbok.com/

How Can a Reward Checking Account Help Me?

If you’re new to reward checking, read this article on Reward Checking 101 to find out more. Reward checking accounts are a great way to save money for a rainy day, make passive income and maximize the rate of return on your checking account balance. Learn how to maximize your reward checking rates here.

Reward Checking Accounts: Beware the Monthly Debit Card Transactions Requirement

The large number of debit card transactions required every monthly statement cycle is often a thorn in an account holder’s side. If you have a reward checking account—or want to sign up for an account—consider automating these debit card micropayments with MicroMaximus. MicroMaximus is an online scheduling tool that allows you to schedule all your debit card transactions for the month in micropayments of just $1. You’ll meet your monthly qualifications more efficiently and maximize your return. Visit us at www.micromaximus.com for more details.

 

Posted 05.17.11 by in Bank Accounts •Reward CheckingComments Off

10

05.11

Classic Bank Offering a 3.01% Reward Checking Account

The Classic Bank in TX is offering its reward checking account, REWARD CHECKING for Texas residents. This personal checking option is is not offered nationwide.

The account pays 3.01% APY on all balances up to $15,000 and 0.75% on all balances above $15,000. Features also include No Minimum Balance.

To earn the highest interest rate possible, here are the reward checking account’s requirements:

  • Have 10 check card purchases post
  • Receive your monthly account statement electronically
  • 1 Automatic Payment or Direct Deposit transfer

If the qualifications aren’t met every monthly statement cycle, Classic Bank offers a 0.75% APY

Visit the website for more information and details on this reward checking account: http://www.classicbank.com/.

Want To Learn More About the Benefits of Reward Checking Accounts?

If you’re thinking about starting a reward checking account but you want more information first, check out our Reward Checking Account 101 article. You’ll learn the pros and cons about high yield checking and learn where to look for additional resources.

The Debit Card Transaction Requirement: the #1 Reason Reward Personal Checking Accounts are Dropped

You, like many other reward checking account holders, might prefer to use your credit card over your debit card for monthly transactions. With MicroMaximus, that’s still possible. MicroMaximus is the only personal finance tool that helps you with the debit card requirement, automating the most tedious, headache-producing component of your reward checking account. You schedule your debit card micropayments and transactions for the entire month—at only $1 each. To find out more, visit us at www.MicroMaximus.com.

Posted 05.10.11 by in Bank Accounts •Reward CheckingComments Off

03

05.11

Reward Checking Account in OH

If you’re a OH resident, you might want to check out these reward checking rates offered by First National Bank in OH at 3.01% APY.

Here are a few things you’ll want to know:

  • The Reward Checking Account is available at 3.01% APY on balances up to $25,000.00 and 0.75% on balances over $25000.
  • 10 debit card transactions or micropayments are required each monthly statement cycle.
  • Make 10 First National Visa debit card purchases
  • Have 1 direct deposit or ACH auto debit
  • Receive E-Statements

Some other features of the account include 0.05% APY on entire balance if monthly qualifications are not met. This bank has locations in Mid-West and is available exclusively for Ohio residents.

For more details, visit the website at http://www.discoverfirstnational.com/ or call (330) 682-1010.

How Can a Reward Checking Account Help Me?

If you’re new to reward checking, read this article on Reward Checking 101 to find out more. Reward checking accounts are a great way to save money for a rainy day, make passive income and maximize the rate of return on your checking account balance. Learn how to maximize your reward checking rates here.

Reward Checking Accounts: Beware the Monthly Debit Card Transactions Requirement

The large number of debit card transactions required every monthly statement cycle is often a thorn in an account holder’s side. If you have a reward checking account—or want to sign up for an account—consider automating these debit card micropayments with MicroMaximus. MicroMaximus is an online scheduling tool that allows you to schedule all your debit card transactions for the month in micropayments of just $1. You’ll meet your monthly qualifications more efficiently and maximize your return. Visit us at www.micromaximus.com for more details.

 

Posted 05.03.11 by in Bank Accounts •Reward CheckingComments Off

26

04.11

Reward Checking Account in Texas : 4.01% APY

Texas residents interested in free reward checking may want to check out Northstar Bank of Texas offering personal checking accounts at a rate of 4.01% APY.

To qualify for the 4.01% interest rate on a maximum balance of $30,000, Velocity Checking has a few requirements card holders must meet every monthly statement cycle:

  • Ten (10) StarCard Debit Card point of sale transactions posted to your account
  • 1 Automatic Payment or Direct Deposit transfer
  • Receive your monthly account statement electronically

For balances above $30,000 a 0.50% APY rate is available. If monthly qualifications are not met, account holders will still earn 0.50%. Make sure to read the fine print—it states that all requirements must be posted to the account within the month’s designated cycle.

Follow the link to the website for full details: http://www.nstarbank.com

Want To Learn More About the Benefits of Reward Checking Accounts?

If you’re thinking about starting a reward checking account but you want more information first, check out our Reward Checking Account 101 article. You’ll learn the pros and cons about high yield checking and learn where to look for additional resources.

The Debit Card Transaction Requirement: the #1 Reason Reward Personal Checking Accounts are Dropped

You, like many other reward checking account holders, might prefer to use your credit card over your debit card for monthly transactions. With MicroMaximus, that’s still possible. MicroMaximus is the only personal finance tool that helps you with the debit card requirement, automating the most tedious, headache-producing component of your reward checking account. You schedule your debit card micropayments and transactions for the entire month—at only $1 each. To find out more, visit us at www.MicroMaximus.com.

 

Posted 04.26.11 by in Bank Accounts •Reward CheckingComments Off

22

04.11

How Does MicroMaximus Work?

Despite the recent threat of tighter banking regulations, Reward Checking Accounts are still going strong, especially at regional banks and credit unions. They offer some of the best interest rates available to consumers. But those rates are only available if you are able to meet the monthly qualification requirements. Lets take a look at how MicroMaximus can help you reach those goals easily.

Say we have a Reward Checking Account (RCA) with an attractive 3.01% interest rate, $20,000 cap and 10 required monthly transactions. This would mean a monthly earnings of about $50. By using MicroMaximus to meet the 10 transactions requirement, it would cost $10 for the same month resulting in a 2.41% rate, which is still better than most CD’s available today.

But, lets take a look at how MicroMaximus compares with other tactics for meeting your monthly transaction requirement. Instead of spending $10 with MicroMaximus, you use your Reward Checking Account debit card to purchase items you would normally buy throughout the month. In this process, you spend $35. Using the same RCA account, this would result in earning $15 or 0.90% rate.

Not bad, when compared to a traditional checking account, but far from the rate in our previous example using MicroMaximus. So why is MicroMaximus such an effective strategy for meeting Reward Checking Account? MicroMaximus works by minimizing the qualified transaction to only $1.00, allowing you to meeting your monthly transaction requirements by spending as little money as possible which will maximize your rate of return.

As some may have noticed, in both examples neither one earns the advertised rate of 3.01%. So how do you get the rate you thought you were signing up for? In order to earn the maximum interest rate on your Reward Checking account, you must deposit more than the reward cap into your account, and never allow your monthly transactions to drop the balance below the reward cap.

For example, using MicroMaximus, each month you would want to have a Reward Checking Account balance of $20,010. This will ensure that while you are meeting your monthly requirements, the average daily balance of your account is at the reward cap. Earning you the entire advertised rate.

Hopefully, you can see the value in a service like MicroMaximus, and how it allows consumers to maximize the earning potential of their Reward Checking Accounts, while also saving you time, and headaches.

Posted 04.22.11 by in MicroMaximusComments Off

19

04.11

Atlantic Coast Bank Offering a 3.01% Reward Checking Account

The Atlantic Coast Bank in GA is offering its reward checking account, Kasasa Cash for Georgia residents. This personal checking account is not offered nationwide.

The account pays 3.01% APY on all balances up to $15,000 and 0.75% on all balances above $15,000. Features also include Automatic nationwide ATM refunds.

To earn the highest interest rate possible, here are the reward checking account’s requirements:

  • Have 10 debit card purchases post
  • 1 Automatic Payment, Bill Pay transfer, or Direct Deposit transfer
  • Receive your monthly account statement electronically

If the qualifications aren’t met every monthly statement cycle, Atlantic Coast Bank offers a 0.75% APY

Visit the website for more information and details on this reward checking account: http://www.atlanticcoastbank.net/.

“What is a Reward Checking Account?”

High yield checking account programs offer a lot for consumers. Check out our Reward Checking Accounts 101 blog post if you’re not familiar with their benefits and want to learn more.

Do You Know the #1 Complaint of Reward Checking Accounts?

The debit card transactions, or the micro-transactions requirement, are the #1 complaint of reward checking account holders and the top reason why the highest interest rate is not earned out consistently. MicroMaximus solves that problem. We offer a way to automate your debit card transactions and schedule the micro-transactions all at once. No long-term plan, no high fees, no hassle. Visit our reward checking account solutions today at www.MicroMaximus.com.

Posted 04.19.11 by in Bank Accounts •Reward CheckingComments Off

21

02.11

Can You Be Sued for Credit Card Debts?

People often ask can you be sued for credit card debts and the short answer is yes you can. You owe this money and you need to repay it or your creditors will take action against you. But the good news is that there are various laws and regulations in place that these financial institutions must adhere to. You, as a consumer, are very well protected especially when compared to practices outside of the US.

There are two types of law, State Laws and Federal Laws. Every State will have their own rules with regard to debt collection so it is best if you read up on your local ones. Your bank or financial institution will be able to provide you with a copy of the relevant laws. There should be a statute of limitation which will dictate how long your creditors have to file a lawsuit to recover their money.

This does vary but usually lies within 3 to 10 years but you should check. Federal laws apply to everyone regardless of where you live. The law you are probably now most interested in will be the Federal Fair Debt Collection Practices Act.  This law covers how your creditors must behave when attempting to collect monies due.  It also dictates where and when lawsuits can be filed if you live in a different state to your creditor. Another act you should familiarize yourself with is the Credit Card Reform act. Depending on your age and circumstances, you may find that some of these provisions are relevant to your case.

If you are having problems repaying your debts, make an emergency appointment with a local debt counseling service. You should be able to find a free advisor in your area such as one provided by a charity. If possible avoid the paid debt negotiation advisors as any spare funds you have should be directed towards repaying your creditors. Your advisor and the people you owe money to will want to see a full income and expenditure account. You will need to write down exactly how much money you make from all sources and what you spend this money on. Some debts are a priority meaning that you should always pay these first but your advisor will go through this with you.

Whatever you do, do not ignore the situation you are in. It will only get worse.  All credit card debt problems can be resolved one way or another. Bankruptcy is always an option although one you do not want to enter into lightly and definitely not without proper advice.

Suing you isn’t your creditors’ only option. They could sell your debt onto a third party company who won’t care what your personal circumstances are. But if you have had a good record with your bank and your money problems are recent, you may find that they are willing to work with you to reach a solution.

So now you know the answer to can you be sued for credit card debts is yes, you need to do everything you can to avoid this scenario.

Posted 02.21.11 by in Credit Cards •DebtComments Off

17

02.11

Reward Checking Account in Chicago

If you’re a IL resident, you might want to check out these reward checking rates offered by State Bank of Countryside in IL at 3.08% APY.

Here are a few things you’ll want to know:

  • The Best Ever Checking is available at 3.08% APY on balances up to $20,000.00 and 0.58% on balances over $20000.
  • 10 debit card transactions or micropayments are required each monthly statement cycle.
  • Set up one recurring direct deposit or ACH auto debit
  • Enroll and receive online statements

Some other features of the account include Free SBC Telephone Banking. This bank has locations in Chicago and is available exclusively for Illinois residents.

For more details, visit the website at www.statebankofcountryside.com or call 708-485-3100.

How Can a Reward Checking Account Help Me?

If you’re new to reward checking, read this article on Reward Checking 101 to find out more. Reward checking accounts are a great way to save money for a rainy day, make passive income and maximize the rate of return on your checking account balance. Learn how to maximize your reward checking rates here.

Reward Checking Accounts: Beware the Monthly Debit Card Transactions Requirement

The large number of debit card transactions required every monthly statement cycle is often a thorn in an account holder’s side. If you have a reward checking account—or want to sign up for an account—consider automating these debit card micropayments with MicroMaximus. MicroMaximus is an online scheduling tool that allows you to schedule all your debit card transactions for the month in micropayments of just $1. You’ll meet your monthly qualifications more efficiently and maximize your return. Visit us at www.micromaximus.com for more details.

Posted 02.17.11 by in Bank Accounts •Reward CheckingComments Off

14

02.11

Is A Mortgage Savings Account Right For You?

Mortgage savings accounts are another way that a homeowner can strategize to pay off a mortgage. The intent is for the homeowner to use this type of account to quickly pay down the principle of an existing mortgage. This type of savings account is basically a savings account in which the money you save offsets the interest charged on your home loan. You can use it to help you get out of your mortgage much sooner.

Let’s face it. The average mortgage is for thirty years. Wouldn’t you want to research alternative ways to help you pay off your mortgage sooner? Mortgage saving accounts allow you to pay down mortgage debt and put your money into other things instead.

What is a Mortgage Savings Account?

A mortgage savings account is a dedicated savings account that is designed to offset the amount of interest you pay on your mortgage.

The banks link your mortgage account and your specialized savings account so that any interest that might be due on your mortgage is reduced by the amount of interest that you would have accrued on your mortgage savings.

Here’s a simplified example of how this works:

Assume you owe $100,000 on your mortgage. Your interest amount for each month is calculated on your current balance.

If you have $3,000 in your mortgage savings account, then your interest is calculated as though your balance was $97,000.

This reduces the amount of interest you pay, which can significantly reduce your principal balance much faster.

Exactly How Does It Work?

Most mortgages have repayments that are calculated on an amortization schedule. This means a portion of each payment you make pays the interest and the remaining portion goes towards your principal balance.

If you have savings kept in your mortgage savings account, then even though your repayment amount doesn’t change, you are changing the portions of interest and principal balance you make with each payment.

This can mean you pay less interest and more off your balance with each payment.

The rationale is that you don’t write checks against the mortgage payment amount. You should let this amount remain in your account at all times. However, the thought process is that any leftover money will be applied directly toward your mortgage. As a result, your mortgage will be paid off sooner. Do mortgage saving accounts sound promising?

Think about it. If that extra money was in your own checking account, you would probably spend it on something that you don’t really need. This way, the money will already be in the mortgage account. This strategy may actually work for anyone that is disciplined. You must be disciplined in order to operate mortgage savings accounts so they have a positive effect. This strategy might seem a little comical for some, but it may be the little nudge that others need in order to make them save their money and put it on the mortgage. Different things work for different people.

Do you think that this strategy will work for you? Are you looking for other ways to refinance and pay down your mortgage? Check into the features of mortgage saving accounts.

Posted 02.14.11 by in Bank Accounts •Personal FinanceComments Off

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