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Online Checking and Savings Accounts



Captial One 360 Savings: The basic savings account is probably the main attraction at Capital One 360. It's an account that pays a decent return with no minimums and no monthly fees. Rates change constantly, so you should check their website for up-to-the-minute rates, but you can expect to earn more than you'll earn at any big bank.

To fund the account, you'll need to link it to an existing checking account at your brick and mortar bank. When you open the account, you'll submit a check for initial funding, and Capital One will pull your banking information off of that check (your bank information is located at the bottom of your check). Once the link is established, you can transfer money back and forth between Capital One 360 and your brick-and-mortar bank electronically. However, be aware that you can only make 6 withdrawals per month from the account (the same is true for other savings accounts) – if you want to withdraw more often, consider using a checking account.

Capital One 360 Checking

* Ability to write checks (checks must be ordered from Capital One)
* Free ATM/debit card provided
* Free online bill pay
* Remote check deposit using a mobile device or scanner
* An overdraft line of credit (which you should try to avoid using, but is less expensive than other forms of overdraft protection)
* Free Person2Person Payments so you can pay friends and other individuals 

Savings Accounts for Children - Capital One 360 also offers a savings account for children called the Kids Savings Account. With no fees or minimums, that account allows you and a child to save money in that child's name. You (the adult) don't have to be a parent – you can manage an account for any child. The child will have unique login credentials, so they can see their own account, but not your accounts. Adults have control over deposits and withdrawals until the child turns 18 and the account is converted to a standard 360 Savings Account. The Kids Savings Account is a great way to teach children about money from a young age.



HSBC Online Savings Account is like a lot of other online savings accounts. The main attraction is the APY (Annual Percentage Yield). You can typically earn more than brick-and-mortar banks. Furthermore, there are no fees for the service or minimum balance requirements. You can literally open an account with $1.

With HSBC, you keep your existing checking account and link it to your HSBC OnlineSavings account. To move money back and forth, you login to your HSBC account and request a transfer (transfers are free on the HSBC side, however you should check with your bank to make sure they won't assess a charge).

The HSBC OnlineSavings Account gets you a decent rate, and they also send you an ATM card. This makes it easy to get cash fast, and you can keep your daily spending money in the account – not in a lower yielding checking account.

If you want to write checks with HSBC, you can link the account to a more traditional HSBC account. This will make transfers to your checking account faster than moving the money to a different institution. Even better use an HSBC checking account and zap the money back and forth quickly.

There may be fees for checking accounts, however HSBC will consider all of your balances (Mortgage, Credit Card, etc) together when they calculate how much you have with them. This makes it easy to have an interest-earning checking account with no monthly fees.

The Process

Opening an account is really fast and easy. You just fill in all your personal information and wait for HSBC to make some test deposits to your linked account. The process moves fast, and your initial deposit can end up earning the HSBC OnlineSavings Account interest rate within a week.

Service

I've found that the customer service at HSBC is pretty good. Of course this is unscientific and your results may vary. So far, I haven't encountered any long hold-times and the representatives have been knowledgeable and helpful.

Your HSBC OnlineSavings Account Review

Have you used the HSBC OnlineSavings Account? Well, what do you think about it? Share your experiences at the bank review page. 



Ally Bank offers savings, CDs, and checking products with competitive rates. Read and submit Ally Bank reviews on this page.

The main attraction at Ally Bank is the APY they pay on deposit products:

* Checking accounts
* Savings accounts
* Money market accounts
* Certificates of Deposit (CD)

Ally Bank will check your credit, even though you may not intend to borrow. They want to verify your identity and try to predict if you'll use your overdraft provisions responsibly.

Interest Checking

Ally Bank offers an interest checking account that allows you to earn money while keeping it liquid. The interest checking account does not have a limit on withdrawals from the account (but other accounts do).

Free checks from Ally Bank, and you can reorder basic checks at no cost. There is no minimum deposit, and no monthly fee. Online bill pay is free, and you'll get a debit card for ATM withdrawals and purchases.


  

Free Personal Budget Software with Expense Manager

Use our free financial calculators to effectively manage money.

 

Credit Federal's Free Personal Finance Center offers:

 - Record and Track Expenses, and sort by type and/or by date.

 - Record Income/Deposits. Software also calculates debt-to-income ratio.

 - Instant Credit Grade Calculation. Software analyzes expenses.

 - Helpful Tips. If your grade is low, the software offers tips to improve.

    

The software is 100% free, operates on Windows computers, and does not require entering sensitive data such as credit card numbers, bank account numbers, etc. The software does not require being online to use.

  

Download Our Free Personal Finance Software

Free Personal Budget and Financial Software

100% Safe & Virus Free - Report

   

Download Instructions: Click on the download link above, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon (like the one displayed on the left) will appear on your main Windows display. To launch, double-click the Icon on your computer desktop.

  

Instructions on how to use the free personal financial software.

The software helps you track and itemize expenses, setup bill payment reminders, and it provides a credit grade based upon your debits.

The software is easy to use and 100% free. Operates on Windows computers and requires 16MB of disk space. 

 

Don't forget to register for FREE Upgrades! As we update the software with additional free features, you can receive a notice via email simply by joining our free credit offers newsletter.

 

If you are a freeware site, include our finance software via our PAD file.

 

 

Free Personal Budget Software.  Do you know how much per year you spend on utilities? On insurance? On credit card payments? Get Credit Federal's free personal budget software to track expenses.  It will calculate all your expenses and income, and will provide you with itemizations.  This software can help you define where you mostly spend your money, and where you can make savings. Functions just like a checkbook register. It is 100% free, and operates directly from your personal computer (Windows Required). Download our free software.

 

Read our latest information about personal finance.



Professional debt relief company statement - CareOne Debt Relief Services: If you're in debt, we understand. Because many of us were there ourselves-including our founder. We got out, and so can you. Start your debt consolidation process today. Unlike other providers, we are able to provide you with multiple debt consolidation options to help you become debt-free. You'll be able to consider both a debt management plan and settlement. We'll provide you with a personalized solution based on your situation, and you won't need to worry that you are being forced into a solution that doesn't work for you. A DMP offers significant interest and time savings*, and provides you with a plan to repay your debts in five years or less. You'll be able to consolidate all of your unsecured monthly payments into one easy payment. The DMP is not a debt consolidation loan where the equity in your home is used to pay down your debt. (*The savings are based, in part, on the average of a recent sampling of annual interest rates charged by creditors that participate in our plan and an assumption that only minimum monthly payments are made.) Debt Settlement is a negotiation by a settlement service provider or lawyer with your creditors to pay back a portion of your unsecured debt. You make monthly deposits into a debt settlement account in an amount you can afford. You do not make monthly payments to your creditors. When settlements are reached with creditors, settlement payments are paid from the debt settlement account. Settlement will have a negative impact on your credit.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 
NationalRelief.com Review - Copyright © 2010, National Relief, All Rights Reserved.

Debt Settlement will help you get rid of your debts so you can re-take control of your life. Times are tough, and many Americans are facing unparalleled problems with debt. If you are living a life filled with collection phone calls, threatening letters in the mailbox and sleepless nights, you need to know about National Relief. Whether you are delinquent or struggling to make minimum payments, you may be able to get rid of your mounting debt and begin to see light at the end of the tunnel.

National Relief is a debt settlement company, whose dedicated team of professionals has but one goal, and that’s to help you turn your life around. It doesn’t matter how much unsecured debt you have, we are there to help remove the worry, the stress and get you on the path to financial recovery.

Why is debt settlement a better choice for you? Using a debt settlement service is a choice, and a choice that can change your life. When you use National Relief for debt settlement services, here is what you can expect:
* We have debt settlement professionals who will work with your creditors to get your balances as low as possible.
* Rather than continuing to pay huge and numerous bills each month, you will start making one low monthly payment. We will get it to an amount you can cope with, and each payment will be put into an FDIC insured trust account, where it will work to satisfy your debts.
* Within 24 to 48 months of starting a debt settlement plan, you can expect to settle your debts, and through a payment plan you can live with.

Why Consider Debt Settlement Over Bankruptcy? Many people think that bankruptcy is their only option when debts seem insurmountable, but that is a very old notion. Bankruptcy can and will affect your credit for years to come, and can result in loss of property as well as still being forced to pay off the debts. Bankruptcy is one way to lose your credit and still be in debt. Here’s how it works:
* Bankruptcy can destroy your credit by leaving your ratings low for as long as 7 to 10 years.
* Chapter 7 bankruptcy can require the sale of any property not protected by law.
* Chapter 13 bankruptcy will offer a payment plan and will leave a bankruptcy mark on your credit report.
* Your credit report will reflect the bankruptcy option you chose, and your chances of getting credit will be low if not impossible. Interest rates will be high.

Yes, bankruptcy is an option, but is it one you want to take? How Can Debt Settlement Help You? By knowing more about debt settlement and how it works, you may see that it is the right path to take for eliminating your debt problems.
* As you make monthly payments through an FDIC insured trust account, and save funds for settlements, once settlements are made, your credit report will reflect that you have $0 balances and account is “ Settled”, unlike Bankruptcy that will stay on the report for 10 years.
* You will be able to make one monthly payment into the program a payment that you can afford.
* Our company does not charge any upfront fees, your payments will go into a trust account designated for settlements, only after agreements with creditors are reached the fees will be collected.
* Be debt free and stress free, contact us today to see if you qualify.

Debt Settlement and Other Alternatives - At National Relief, we believe that debt settlement is a good option for many people. We can provide the knowledge and experience to help you make the right decision for your circumstances. That’s why we provide information and guidance on two other main credit relief alternatives to debt settlement:
*Debt Management
*Bankruptcy 

Our Accreditations:
*IAPDA - National Relief requires all of our Debt Arbitrators to be accredited through the IAPDA, the International Association of Professional Debt Arbitrators * Tested and certified by Arbitrain Click here to view our certificate
*National Relief is a member of TASC (The Association of Settlement Companies) and is constantly audited to assure and verify our quality control and compliance in the industry. National Relief‘s customer service, underwriting, processing and arbitration is done by a fully accredited member of TASC and has been audited to verify that they are fully compliant with all of our best practice standards.
*Nationalrelief.com is fully compliant with the Federal Trade Commission (FTC) final TSR rule 16 C.F.R. Part 310. Nationalrelief.com does not charge any fees up front. Fees are collected only after negotiations with creditors are completed. Nationalrelief.com offers clients a comprehensive debt relief solution, including debt consolidation, debt restructuring, debt settlement and credit counseling. Our results continue to exceed our customer’s expectations and industry standards. 

Toll Free: 888.703.4948

NationalRelief.com
2502 86th Street, 4th Floor
Brooklyn, NY 11214

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