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Financial Contract Tip: Before you sign any agreement or contract which obligates you financially, be sure to fully read all the terms and conditions and to ask questions until you fell absolutely comfortable signing. Never under any circumstance sign a blank (unfilled) contract. Some sells and service providers may require to sign a blank document after telling you that the information and billing items will be added later. That's a definite clue to not sign. Once you do sign, demand a copy of the signed document, so if the company later adds other items and expenses to the contract you can refute those.

If the contract is to include any warranty or service coverage, ensure those are spelled out in detail, as well as the term (length) with start and stop dates so you can hold the company liable for fulfillment.


Personal Credit application articles and tips


Free, short term tips and long term planning advice to improve personal finances. Learn how an annuity and insurance can help.

Not sure of credit score qualifications? Use our credit card and loan prequalification tool or request free advice to your credit questions.

Enjoy an online free bank checking account. Learn how to balance checkbook entries so you can better manage your bank checking account. Some free checking accounts also offer interest savings.

Free financial calculators you can use online or you can install our free calculator downloads to your Windows computer. We giveaway valuable free personal budget software. With our credit card and loan calculator downloads, you can calculate loan interest and use our credit card payment calculator to find out how long it will take to payoff a credit card balance.

Use our personal budget software to manage checkbook register entries and to calculate savings.

Search for free government money and grants. Browse and apply online for a government grant. See if you qualify for government assistance or a grant for disabled people whether from a grant foundation or a non traditional grant.

Unclaimed money: Browse government unclaimed money and unclaimed funds. Check for an inherited pension, plan retirement and learn how to create a will.

See if you qualify for special grant programs like veteran grants or education grants. Easy free IRS tax calculator and free online tax return filing.

How to spot counterfeit money and report credit fraud.

How to file bankruptcy and get free online free bankruptcy forms.

Tired of searching and applying blindly for credit? Let free credit offers come to you by joining our newsletter. There's no obligation to accept any offer. Browse for more personal finance resources.

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

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Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

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Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.

Read more information about personal finance management.

2nd mortgage loan - Equity cash loan, debt consolidation, remodeling and other uses.

2nd mortgage refinancing - Apply for a lower interest rate and/or lower payments.

0 interest - Credit cards with no interest or offer 0 introductory rate periods.

0 intro - Online applications for 0 intro credit card offers.

Airline miles credit card - Get free sky miles and other travel rewards.

American Express(R) - Online applications for an American Express(R) card.

Annuity - Learn about annuity investments.

ATM card - Apply online for an ATM card.

Auto financing - Benefits of an online auto loan and general loan terms.

Auto loan calculator - Calculate monthly car payments and total interest paid.

Auto loan down payment - Options to get down payment money for an auto loan.

Auto refinance - Benefits of using a refinance loan to lower payments and/or interest.

Bad credit car calculator - How to negotiate with a car salesman for a better deal.

Bad credit auto loan - Understand invoice, sticker price and other dealership jargon before applying for an auto loan.

Bad credit card - Bad credit card application.

Bad credit home loan - Apply for a home loan and stop paying rent.

Bad credit personal loan - Online application for a no credit check loan with instant approval.

Bad credit - Learn the problems with bad credit and how to improve.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Balance transfer credit card - How to safely transfer balances to a 0 intro card.

Bank checking account - How to read a bank checking account statement.

Business credit card - Finance your large or small business with a credit card.

Business loan - Get funding to start a small business or to finance a corporation.

Calculate loan interest - Quickly calculate loan interest, monthly payments and total interest paid upon balance payoff.

Car dealership loan - Curb car dealer scams and dealership financing tricks with an online auto loan.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Chase credit card - Reviews and online applications for Chase cards.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Choosing credit card - Free tips on how to choose a credit card per your qualifications.

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card benefits - Tips for choosing credit card benefits and perks that fit your needs.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Credit card facts - Learn about the different types of credit cards and approval standards.

Credit card interest calculator - Calculate total interest paid at payoff.

Credit card payment calculator - Calculate monthly payment amount required to payoff card within a time frame.

Credit card ratings - Review consumer ratings of credit cards.

Credit card rebuild credit - Apply on the internet for a credit card to rebuild bad credit.

Credit card rewards - Choose perks such as cash back and points which interest you.

Credit card search - Use our fast, easy credit card search engine.

Credit card statement - How to read a credit card billing statement.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit Federal - Good or bad credit personal loan and credit card resource.

Credit Federal - about us - Information about the website.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Discount card - Enjoy discount card rewards. These credit cards offer purchase discounts that can help you save money when shopping.

Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

Emergency loan - Emergency cash to pay bills, get your car repaired, or for any reason.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Fix credit report - How to fix credit report errors yourself or to get help.

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free credit report - Get a free credit report copy online.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Gas card - Apply for a gas rebate card.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Gold American Express - Browse for any current American Express gold card offers.

Gold credit card - Browse for gold credit card offers by each major credit card company.

Gold Discover Card - Browse for any current Discover gold card offers.

Gold MasterCard - Browse for all MasterCard gold card offers.

Gold Visa Card - Browse for all Visa gold card offers.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Guaranteed credit card - No credit check credit card for people with bad credit.

Guaranteed loan - Instant personal loan approval with no cosigner and no credit check.

Guaranteed platinum credit card - Start shopping with no credit report check.

High risk loan - Unsecured loan for bad credit people with no credit turndowns.

Home equity loan - Refinance your first mortgage and take cash out at closing.

Home loan lenders - Get multiple home loan quotes with just one application.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Household personal budget - Create a budget to save money and cut expenses.

Improve credit score - Get a higher credit report score for better loans, cards and interest rates.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

Joint credit card - How spouse credit affects joint credit cards, and the impact of divorce.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

Loan instant approval - Guaranteed loan with instant approval. No need to stand in line at your bank.

Loan to pay bills - Get a no hassle loan to make your bill payments on time.

Loans for unemployed people - Options for jobless people to get money.

Long term unsecured loan - About long term unsecured loans.

MasterCard Credit Card - Review and apply online for a MasterCard card.

Mortgage calculator - Calculate monthly payments and interest.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

Mortgage refinancing - Read the benefits of mortgage refinancing.

Mortgage refinancing calculator - Calculate your new mortgage payments.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

No collateral business loan - Quick cash for small businesses.

No credit - Options for people with no credit history.

No credit check loan - How to get an unsecured loan with no credit check.

No deposit credit card - Get a credit card with no deposit requirement.

No deposit home loan - Apply for a no deposit, no down payment home loan.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

No obligation credit - Get free credit offers for you to consider.

Offers - American Express - Search American Express card applications.

Offers - business cards - Search business credit card applications.

Offers - Chase - Search Chase card applications.

Offers - credit cards - Search all credit card applications.

Offers - Discover - Search Discover card applications.

Offers - Mastercard - Search Mastercard applications.

Offers - Rewards - Search reward card applicatons.

Offers - Secured/Prepaid - Search secured/prepaid card applications.

Offers - Student - Search student card applications.

Offers - Visa - Search Visa applications.

Payday advance - What is a payday advance and its conveniences.

Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Personal loan application - Submit an online application for a personal loan.

Plan retirement - Prepare for retirement with our tips.

Platinum American Express Card - Review any current Platinum cards offered by American Express.

Platinum Chase Credit Card - Review any current Platinum cards offered by Chase.

Platinum credit card - Review any current Platinum cards offered by major credit card companies.

Platinum Discover Card - Review any current Platinum cards offered by Discover.

Platinum MasterCard Card - Review any current Platinum cards offered by MasterCard.

Platinum Visa Card - Review any current Platinum cards offered by Visa.

Popular credit cards - Browse the best credit card offers, according to other visitors.

Pre-approved credit card - Learn what is; and get accepted for, a pre-approved credit card offer.

Pre-approved loan - Typical pre-approved loan choices.

Pre-paid visa - Avoid overspending by getting a prepaid Visa card.

Prepay credit card - Menu of prepay cards by major credit companies.

Privacy policy - privacy policy.

Question and advice - Free online help, just submit your question and get an answer.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

Rewards 660 - The Rewards660 card for people with credit problems.

Rewards credit card - Browse credit card rewards for people with good credit.

Savings calculator - Calculate savings (interest) with this simple tool.

Sears card - Get a retail store (charge) card.

Secured credit card - Control your spending habits with a secured card.

Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

Stop credit card mail - Stop getting credit card offers in the mail.

Student credit card - Apply for a student credit card.

Track expenses - Free software to track where you spend your money most.

Travel credit card - Get the perks and rewards you deserve to stretch your personal vacation and business travel dollars.

Unsecured cash loan - Get the loan you need to take care of unexpected bills.

Unsecured credit card - Browse the many choices and apply online.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

Unsecured personal loan - Your high risk loan solution for bad credit people.

Unsecured platinum credit card - Two main types of unsecured platinum cards.

Used auto loan - Apply for a used auto loan quote.

Visa credit card - Get a Visa credit card, either secured or unsecured.

Wal Mart card - Get your retail shopping card or a gift card for a friend.



Wills and Probate - concerns the statutory requirements to make or execute a final will and testament including codicils and formal procedures to admit the will to probate. Legal issues include testamentary capacity (soundness of mind and voluntariness of the maker or testator), testamentary (required) formalities for a valid will, a spouse's right to elect to take under the will or by statute, revoked or lost wills, validity, failure or lapse of bequests, calculating shares of gifts, appointment of representatives and rules of construction.


Some online banking offers easy bill paying, account balance review and free checking account activation.  


2nd Chance Bank Account


To Qualify:

*Your employer must offer direct deposit.

*You cannot have any existing checking or savings account with any bank.



checking account loan
Click Here for
Info & to Apply

Bank checking account loan

You can get an unsecured cash loan with no credit check deposited directly into your bank checking account.


Online banking is ideal if you want to avoid monthly fees, and do most of your banking online. A free bank checking account offers easy online bill paying, instant account balance and debit review.



free debt relief. lower monthly bills and unsecured bill payments.

You don't need a bank loan to pay off bills...

Easily reduce bill payments

Stop harassing creditor calls and collection agencies

Free unsecured debt consolidation and debt settlement quote.

non-profit consolidation or debt settlement



Regardless of bad credit or no credit, give our consumer credit network a chance to serve you with a free bank checking account (offer currently offline).


Avoid overdraft and bounced check fees by managing your bank checking account so you don’t overdraw it.


Always know how much money you have in your checking account by keeping your account register updated. Record all checks, other withdrawals and deposits the instant they occur, and also remember to deduct monthly fees and/or check fees if your bank charges them.


Pay special attention to your online transactions and ATM usage. Don’t forget about any automatic debits you may have set up for loan or other payments. Also remember that you may have checks that have not yet cleared the bank.


Review your account statements monthly, the instant you receive them. Between statements, you can find out which payments have cleared and check your balance by calling your bank or by checking online.


If you overdraw your account, deposit money into the account as soon as possible to cover the overdraft amount plus any fees your bank may charge.



Joint Checking Accounts - Many married couples and family members find opening and using joint savings or checking accounts convenient and useful. With only one account, there is only one set of fees to pay and many married couples find pooling the money together makes budgeting easier.


However, joint bank accounts are riskier than separate accounts. If the relationship between the account holders turns sour, there is chance that one holder may drain the account without the knowledge of the other. Therefore, those considering opening a joint savings or checking account should discuss its benefits and downsides before making a decision.


Here are a few things to consider before opening a joint bank account.


Have Joint Account with Someone You Trust. The most important thing is trust. Only have a joint account with someone you can trust completely. This usually isn’t a big problem where family finances are concerned and where putting the money into a shared account makes bill paying and debt repayments easier. Elderly parents can also trust their adult children with their finances if they have a shared account.


Choose the Appropriate Signatory Option. Banks usually give joint account holders the options of “both to sign” or “either to sign”. Those who can’t trust their partner completely can choose the “both to sign” option so that transactions can only be carried out with the consent of both parties. If trust is not an issue at all, the “either to sign” option is very useful as it allows either account holder to transact independently of the other. What suits one household may not suit another. So choose the appropriate signatory option carefully.


One option for married couples is to each put all of their earnings into one joint checking account. If both spouses are comfortable with this approach, it's certainly the easiest logistically. If one of you is deeply in debt or is notoriously bad at keeping track of checks and ATM withdrawals, this may not be the best method for you. Account co-owners enjoy the right to spend, give away or transfer funds to other accounts, without the consent or knowledge of other account holder(s). In many cases, the "wronged" party can get back some of the money, but legal action is required.

Military Checking Accounts: Choosing the Right Military Bank Checking Account ( When shopping for a new account, you'll find there are an increasing number of ways to manage your money. Banks offer a wide range of checking and savings accounts. Some are basic. Some pay interest. Others do not. So what type of account is right for you? The answer depends on a number of factors: * Why do you need the account? * How often are you going to write checks? * How often will you need access your money? Some pay interest if you maintain a minimum monthly balance. Others do not. Whatever your requirements, you should be able to find an account that meets your needs. There are many to choose from. 1. Basic Checking Accounts. Also known as a "No Frills" bank account. With this type of account, you get a limited set of services for a small price. You may be charged a fee for each check you write over a certain limit or you may just be charged a monthly fee. Some banks will require you to set up a direct deposit or maintain a minimum balance in order to avoid a monthly fee. Basic checking accounts normally don't make interest payments to their customers. 2. Interest-Bearing Checking Accounts. The higher balance you maintain in these type of accounts, the more interest you will earn. If your balance drops below a preset level, you'll be charged a hefty monthly service fee. Interest-bearing accounts normally offer unlimited check writing privileges as long as you comply with the requirements. 3. Money Market Accounts. Money market accounts normally invest in short-term obligations such as commercial paper, CDs, or Treasury bills. These type of accounts usually pay a higher rate than checking or savings accounts and a lower rate than CDs. Rates vary according to current market conditions. Money market accounts are different than money market funds for several reasons. First, they are insured by the FDIC. Second, money market accounts are not charged the normal management fee that funds will incur. Money market accounts also place a tighter limit on check-writing privileges (often just 3 per month). They may charge you a maintenance fee if your balance drops below a preset level. 4. Asset Management Accounts. Asset management accounts are a type of checking account offered by many brokerage houses and banks. They offer the convenience of one account to take care of all your banking and investment needs. Asset management accounts normally provide unlimited check-writing priveleges and a comprehensive end-of-year statement that documents all of your transactions. Many financial institutions require a higher minimum balance to open an asset management account. You should expect to pay an annual fee.

Virtual Checking Account: Intrust Virtual Checking Features: * No monthly account maintenance fee if account is set up for e-Statements and no paper statement is received * Free OnLine Bill Pay * Discounted rate on new personal loans with auto debit payment. INTRUST may be the right choice if: * You rarely write checks and prefer using a debit card * You prefer electronic statements over mailed paper statements * You like making payments and managing your account online

Bank of America Checking Account: The Premium Tiered Interest Checking account from Bank of America is a traditional checking account offered to Merrill Lynch Wealth Management clients allowing you to manage your everyday finances while helping you maintain your long-term investment strategy.

Chase checking account: Chase Premier Platinum CheckingSM has all the benefits of Chase Premier Plus CheckingSM, plus: * Earns interest; * FREE Personal Style checks; * No Non-Chase ATM fee charged by Chase for using another institution's ATM3; * No Overdraft Protection Transfer Fee; * No Incoming Wire Transfer Fee; * No Stop Payment Fee; * Chase Plus SavingsSM with no Monthly Service Fee6 and higher interest rates; * Nine additional Chase Premier Platinum Checking accounts with no Monthly Service Fee; * Chase BusinessSelect CheckingSM account with no Monthly Service Fee; * Priority service—you´ll always speak to a specialist who can help you.

Capital One checking account: What's most important to you in a checking account? Rewards? Interest? - We have a checking account for you! * Get rewards every time you use your debit card, write a check, or pay a bill online; * Earn interest that grows with your balance. Free with every Capital One checking account: * Secure Online Banking with convenient features, such as Mobile Banking, Bill Pay, and Alerts; * Platinum Debit Card gives you ATM access and is more convenient than writing checks or carrying cash. Choose from unique card design options.

Citi Bank checking account: If you just need to keep it simple with a checking account for everyday transactions like direct deposit, bill payments and writing checks, this one's for you. All the essentials are here. NO monthly fee for performing qualifying activity each month; NO minimum balance; Unlimited check writing; Get rewarded for your banking relationship. Free Checking Account: (1) Make 1 Direct Deposit AND 1 Bill Payment each monthly statement period and pay no monthly service fee, OR (2) Keep $1,500 in prior calendar month combined average balances in either your Basic Checking or with a linked Basic Savings account and pay no monthly service fee

Charles Schwab checking account: High Yield Investor Checking - Pay no ATM fees worldwide with our popular Schwab Bank High Yield Investor Checking® account.1 There are no monthly service fees, you’ll earn interest on your balance, and your account is FDIC-insured. No Monthly service fees; No Account minimum. Unlimited rebates from any ATM worldwide. A 0.10% variable interest rate on any balance. Free standard checks and a Visa® Platinum debit card. FDIC insurance up to $250,000. A linked Schwab One® brokerage account with no fees or minimums.

Discover checking account: Our FDIC-insured checking accounts offer free online bill payment and competitive interest rates. Discover Bank offers a variety of checking accounts. Whether you're looking to earn interest, benefit from added features, or take advantage of electronic banking, we'll help you find the right account. Enjoy banking convenience-on your schedule-from virtually anywhere, with our Banking Center and Online Bill Payment. * Personal Checking - Enjoy the convenience and flexibility of a personal checking account. * Super Now Checking - Meets your checking needs with competitive interest rates. * 55 + Checking - Specially designed for individuals age 55 or better. * Business Checking - Money management tailored to business banking needs.

ETrade checking account: Complete Online Banking Experience - Access your bank and brokerage accounts, see all of your account balances, and more - all on one page. * Convenient Online & Mobile Banking: Complete transactions anytime, anywhere to take advantage of investing opportunities, high bank yields, online bill pay, and more. * Free Quick Transfers: Make deposits, withdrawals, and transfers in seconds with our free, cash transfer service. * Unlimited ATM Fee Refunds: Get unlimited ATM fee refunds at any bank, any machine nationwide. * Unprecedented Online Security: Protect your privacy and assets with a free CompleteTM Digital Security ID and our E*TRADE CompleteTM Protection Guarantee.

Fidelity checking account: Fidelity® Cash Management Account - This free full-service account has all the features you'd expect, plus a few extras. And, you can manage your cash together with your investments for better financial control and seamless withdrawals, deposits, and transfers. *No monthly fees or minimum balances. No minimum to open. *Cash balances earn interest and are eligible for FDIC insurance coverage up to $500,000. *ATM/Debit Card - Pay no annual fee and get reimbursed for all ATM and surcharge fees. *Fidelity BillPay® - eceive and pay your bills on the web or on your mobile device. *Free checkwriting with no charge for standard checks and online images of your cleared checks. *Apps for iPhone®, iPad®, and Android™ let you check balances, pay bills, deposit checks, transfer money, and more—all on the go. *The cash manager provides benefits like self-funded overdraft protection and alerts when you have excess cash and are looking for potential ways to invest it.

Fifth Third Bank checking account: Personal Checking Packages - * Rewards Package - Accumulate valuable points fast on everyday banking. * Interest Package - Earn interest on your account balance. * Secure Package - Help achieve financial safety with credit monitoring. * Balance Builder Package - Build a nest egg with a checking and savings combo. * Gold Package - Use any ATM for FREE . Get Fifth Third Identity Alert. * Student Checking - Alerts and mobile banking for students and parents. * Club53 ® Package - Special perks for those age 50 or better. * Regular Checking - A great option to add an additional account.

HSBC checking account: * Premier Checking - Exclusive banking products and services that can be accessed from anywhere globally. * Plus Checking - Designed especially for savvy savers. * Choice Checking - Built for value and convenience. * Basic Banking - Ideal for those who only write a few checks a month.

ING checking account - Electric Orange Checking Account: * Your FDIC-insured Deposits Earn Interest - Your everyday money shouldn't cost you, it should help you save too. * P2P Payments - Send money securely to family and friends. It's Fast and free. Watch a demo. * Free MasterCard® Debit Card for all purchases. * Free Online Bill Pay. * Free access at over 35,000 ATMs - find one near you. * Free postage - we'll mail your paper checks for you. * Checks - Can't pay electronically? Order a checkbook.

Key Bank checking account: Personal Checking Accounts offer easy, online access and can help you save on overdraft fees, protect your identity, understand your credit score, and more, while Package Checking Accounts can help integrate banking and investing, offer higher earnings potential, and provide preferred pricing on financial solutions. Our enhanced KeyBank Relationship Rewards program allows you to earn points just by actively using your checking account, debit card or by expanding your banking relationship with Key. Key Privilege Select Checking Account: Enjoy the benefits of a suite of premium financial management solutions integrating banking and investing. A Relationship Manager will work with you to help determine your personal investment strategy. * Daily sweep with array of investment options1, unlimited check writing, and various overdraft protection options. * Comprehensive relationship statement showing banking and investment activity. * Unlimited reimbursement of other banks' ATM cash/withdrawal surcharges.

Liberty Bank checking account: We offer innovative, free checking accounts that help you earn and save - including a checking account that earns interest! Either way, it's more money for you. Open a checking account today! * Quarter Back® Checking - This personal checking account is just right for you, because you'll earn cash on debit card purchases. * BreakFreeSM Checking - Use the ATM a lot? You'll love BreakFree Checking. You won't pay an ATM fee - we even refund ATM fees the other banks charge! * Interest Checking - With a low minimum balance, this account offers a competive interest rate so your money can make money! * Debit MasterCard® - Our checking accounts come with a Liberty Debit MasterCard® - for easy ATM withdrawals and debit card spending. Make purchases anywhere MasterCard® is accepted.

Merrill Lynch checking account: * The Beyond Banking Account from Merrill Lynch is designed as a companion to a Cash Management Account® or retirement account. It allows you to enjoy the convenience of having your finances in one place, while keeping everyday transactions separate from your longer-term investments. * The CMA Plus package from Merrill Lynch is an optional enhancement to the CMA account, offering pricing benefits for certain cash management services. CMA Plus is designed for individuals who prefer the simplicity of a single account for both long-term investments and everyday finances.

PNC Bank checking account: Free Checking - If all you want are the basics with no monthly service charge, then Free Checking may just be the right solution for you. * Free PNC ATM transactions. * Unlimited check writing. * Free Online Banking and Bill Pay. * Direct Deposit - Sign up to have your payroll, pension, Social Security, or any regularly received income deposited directly to your account. *Overdraft Protection - Safeguard your checking account by linking it to a Protecting Account - another PNC checking, savings, money market, credit card or line of credit. When there are insufficient funds in your account to pay for an item, funds can automatically transfer from the Protecting Account to cover your payments. * PNC Bank Visa Check Card - The PNC Visa Check Card is the easiest way to pay, right from your checking account. Safer than cash, faster than writing checks, and every purchase can be tracked online or on your monthly statement. * Auto Savings - Make automatic transfers from your PNC checking to your PNC savings or money market account. You choose the amount you want to transfer and how often. * Automatic Loan Payment Plan - Take advantage of interest rate discounts on consumer installment loans and consumer lines of credit accounts with automatic payment from a PNC checking account. Interest rate discounts do not apply to PNC Mortgage loans. * Automatic Check Reorder - Automatic Check Reorder is a free service available to PNC personal checking and money market account customers who order their checks through one of PNC's primary check vendors. * Online Banking - Simplify the way you manage your finances with PNC Online Banking. Check your balances & recent transactions, pay your bills, move money between your accounts, & even send money to your friends and family whenever you like.

USAA checking account: USAA Free Checking Account - * Free nationwide ATM use. * Free USAA Deposit@Home® and Deposit@Mobile® for qualifying members. * Free USAA Web BillPay®. * Free unlimited funds transfers to any U.S. bank. * No monthly fees regardless of your balance. * View and manage your checking account on and Teen Checking Account - * Convenience and control for parents. * View checking account activity online on and * Transfer money electronically. * Free USAA Deposit@Home® and Deposit@Mobile® for qualifying members. * Great for giving teens real-world experience with money * Use any ATM nationwide for free.

US Bank checking account: Easy Checking - * A simple, straight forward checking account with basic account access. * Free Internet Banking with Internet Bill Pay. * Free U.S. Bank ATM transactions. * Free email and text alerts. * U.S. Bank Visa® Check Card. Silver Checking Package - * Basic checking features with a smart way to save. Free Internet Banking with Internet Bill Pay. Free U.S. Bank ATM transactions. Free email and text alerts. Preferred rates on new loans. U.S. Bank Visa® Check Card.

Vanguard checking account: A VanguardAdvantage account lets you consolidate and manage your investment and cash management needs in one convenient place. You get the ability to trade stocks, bonds, certificates of deposit (CDs), and non-Vanguard mutual funds, plus you get cash management features, including unlimited checkwriting, a VanguardAdvantage Visa® Gold debit card, and optional electronic bill payment. * Your VanguardAdvantage account checkbook and Visa Gold debit card, if elected, will be sent by first-class mail to the address listed on your application. You should receive your checks and your debit card within ten days from the date your account was opened. For security reasons, your personal identification number (PIN) will be mailed separately, and you should receive it within three to five business days after you receive your debit card. * Overdraft protection is available for transactions using your VanguardAdvantage account checks or Visa Gold debit card, and for VanguardAdvantage Billpay® transactions. You can only obtain overdraft protection if you have been approved for margin trading.

Wells Fargo checking account: ValueSM Checking - This checking account gives you easy access to your money. Optional features include: * Platinum Debit Card; * Free access to Online Banking; * Two months of free Online Bill Pay2, after that Bill Pay is $6.95 per month. Checking and Savings Together - This package includes a checking and a savings account bundled for easy access and additional value. Features include: * Platinum Debit Card; * Free access to Online Banking with free Bill Pay; * A Wells Fargo Way2Save® Savings account – monthly service fee waived with qualifying automatic saving. Checking with Relationship Benefits - This premier checking account offers better rates, more discounts and bigger rewards. Premium features include: * Interest-earning checking; * Bonus interest rates on savings; * No monthly service fee on additional select linked checking and savings accounts; * Discounted loan rates; * Non-Wells Fargo ATM benefits; * Credit Card benefits; * Brokerage benefits.

Zions Bank checking account: With our Internet Checking account, there's no minimum balance to maintain, and you'll have access to free features such as Online Banking and Bill Pay. Account Features: * Free Mobile Banking3, Online Banking, and Bill Pay; * Free Debit Card; * Free nationwide ATM access in the MoneyPass® Network; * Write up to 5 checks per statement cycle ($2 each after 5 checks); * Overdraft Protection; * Free eStatements At Zions Bank our Military Checking account has many services, including unlimited check writing, free personalized checks and higher rates on a variety of savings accounts. You even get a discount on most consumer loans*. This is one of the finest premier checking accounts around, and it has no monthly fee. If you would like to earn interest on this checking account, check out our Military Interest Checking. Account Features: * Free imprinted checks up to $20.50 ($5.95/box processing and handling fee); * Free Mobile Banking, Online Banking, and Bill Pay; * Free nationwide ATM access in the MoneyPass® Network; * Eligible for Gold Savings, Money Markets, and CD's, which pay higher interest than regular accounts; * 0.50% rate reduction on eligible installment loans* with automatic payment setup; * Free 3x5 safe deposit box (not availble in all locations); * $2,500 accidental death insurance; * No issuing fee on Travels Cheques for 1 (1% fee for 2), Money Order, Cashiers Checks; * Free notary services; * 10% off mortgage origination fees; * 20% discount on assisted brokerage transactions; * eStatements.



Advice: Compare for benefits. Review all the terms and conditions and special offers before you apply for a bank checking account. Some banks offer a bonus for opening a checking account, such as a no fee period or a special rate.


Visit our articles to learn more information about bank checking accounts and loans, federal regulations and news.

Can I get a loan without a job? Yes, as long as you have some source of income. For example, if you are receiving retirement benefits many lenders will consider that income like any other. Another source of income without employment is recipient annuity payments. Lenders don't always insist on active employment in order to receive a secured or unsecured loan, they are mainly interested in your ability to repay the loan. As long as you have an income source, you may be approved for a loan without work verification or credit checks. But how do I calculate what I can afford in a monthly loan payment when on a fixed income? Use our free simple loan calculator to see how much money you can borrow based upon your ability to repay the installments.

Personal loan for the weekend: Whether you want to take a mini-vacation, repair your car or need money for the weekend for any reason, a fast personal loan may be right for you. Whether you need a short term loan or a longer term loan with monthly installments, the way to get the fastest loan possible is through a lender who has no credit check requirements. Credit checks can be time-consuming and are less likely to provide funds urgently. Other instant unsecured personal loan benefits include no cosigner and no collateral, in addition to no credit report review and no references required.


Personal credit scores are based on standards of the major credit rating bureaus: Experian, Equifax, and TransUnion. Lenders average the fixed score from each of these to determine a borrower’s eligibility and terms of financing. The rating system looks at several factors and gives a points rating to each one. Positive and negative factors can affect the score.


Factors that can affect credit scores:


* Payment history accounts for about 35% and the way debts are paid, for example if they are paid in a timely manner or paid late. It reflects the number of past due items and how long they were

  delinquent, or if there was any collection activity. Another factor is any public records like bankruptcies, liens, and wage garnishments.


* Current total debts accounts for around 30% and considers the total amount of debts owed. This is the number of accounts and each balance owed and it influences FICO scores. Credit bureaus will

   look at outstanding debts in relation to the available credit. Getting out of debt by paying down debts can help raise scores over time.


*The length of credit history is a factor concerning the amount of time accounts have been open and the account activity.


* New credit is any recent accounts established. This also includes any credit inquiries indicating attempts to get new lines of credit.


* Types of credit considered is the total number of the types of credit that has been secured. This includes revolving debt on credit cards and retail accounts.


Some lenders may not view past performance as a guarantee of future performance. This is not always true as a credit rating is an indicator of past borrowing and repayment performance.

This can give lenders an idea of how likely it will be for a borrower to repay a new loan in full, on time. They use a consumer's credit rating to determine their risk in loaning money.


A person who has a good credit rating may not have to pay high interest fees or may not have to give a large down payment. Personal credit scores are used to determine whether to loan money to small businesses and corporations. Factors like age, race, ethnic background, religion, sex, and marital status, do not influence scores. Employment history, current employment, wages, and assets are not taken into consideration as part of FICO scores, yet some lenders may look at these areas when evaluating a person's credit worthiness.


Qualified borrowers have a FICO rating of 750 or better, yet people with a score of 650 may be able to get a loan that has higher interest rates. These scores can change monthly to reflect any changes to the criteria used to determine the score. If a loan is paid off it could improve scores. If a bill is not paid or bankruptcy is filed, it could lower scores. Monitoring scores can help identify any problems that may need correcting. is the site to visit to request a free credit report, and get credit information almost immediately, but it can take longer when not using the Internet. Credit services can help monitor FICO scores but it usually requires a monthly fee.



Personal credit is important to maintain, and when repairing credit is a goal, having setbacks that can knock credit down is to be avoided. Paying bills late is just one of those things that has a lowering effect on scores. When credit is poor and bills are late, sometimes it is best to get money fast so the bills can be paid on time.


This is when a small payday loan can be handy and easy to get for most applicants. Many of these lenders accept all credit types and applicants can get an answer in a hurry. This is a source to get money that can be repaid on the next payday or within a couple of weeks or months. Getting money so payments can be made on time, can eliminate high late charges. 


Personal loans use to be very hard to get for people with bad credit, not so any more. There are fast cash programs that are helping people in all states get the funds they need within a day or less. Many of these loans can fit the needs of consumers throughout the United States. Whatever the applicant may need the money for, does not matter, they may be able to get approved faster and easier using online lenders.


There are always questions from people who have never applied for a loan. Questions are not a problem, as most sites have an FAQ page, so the applicant can get answers and complete the form. It can be best to read about when the loan is due to be repaid, and the requirements for the loan. Read about the payback date, as these vary between companies. Some loans are for a few weeks, others are due in a couple of months. Getting quality service with online payday loan companies is possible. There are many respectable lenders. Getting a small loan is an option that a non homeowner can have, without any collateral. Paying back a personal loan on time, can help provide good history on credit reports, if the provider reports to major agencies.


A few ways payday loans are used:


* Pay for college and books.

* Pay for child care.

* To pay bills on time.

* To buy a computer.

* To purchase gifts.

* To take a vacation.

* To pay for repairs.

* To have money during an emergency.

* To make home improvements.

* To get a down payment for something.


Often people have situations that can cause stressful days and nights. Sometimes, just getting money for financial problems, helps until a few paychecks go by. Paycheck loans allow people to apply 24 hours a day, 7 days a week. There are quick forms online, and getting an answer does not have to take days. Even Americans with the worst credit may be able to get approved for a small loan.

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