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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 - Alliance Credit Counseling: There are usually multiple different solutions to any of the various difficulties that one may encounter. Knowing what the options are, the advantages and disadvantages of each, and learning how to implement those actions is paramount to success. Our experienced counselors can help identify and advise about these options. Many variables go into the analysis required to determine the best choices available, including understanding the situation and root causes, knowing the short and long term goals, identifying the resources available, presenting the possible solutions, and developing a plan to implement the chosen course.



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.
 
CreditorsRelief.com Review - Copyright CreditorsRelief.com LLC 2010. All rights reserved.

Debt Relief & Debt Settlement Programs at Creditors Relief

Our goal is to help.
* Reduce all your credit card monthly obligations to one low monthly payment
* No fee until your debt is negotiated. We work strictly on a contingency basis.
* Avoid bankruptcy, a stigma that lasts for years.
* Regain control of your financial life.

How We Work for Debt Settlement and Debt Relief - We work to help you get on a path to financial recovery with proven debt relief methods. We work to lower your debt so you can get back on a solid financial footing. We work without fees until you see results. We work for you not your creditors.

Debt settlement programs are safe and reliable. The new consumer laws that protect you during the process are part of the way we work and we are proud of what we do. We think our credentials speak for themselves. At CreditorsRelief we offer you a debt solution that works.

Your Custom Debt Settlement Program - Each situation is unique and it is for that reason that we tailor-make your debt reduction program. You decide on the payment method that works best for you, and we work with your creditors on your behalf. It's only after a firm negotiation is approved by you and your lender that we are paid for our services.

Your First Step towards debt settlement - At CreditorsRelief, we want you to feel confident in us and in the service we provide, so the best first step you can take is by simply talking to us. Find out if debt settlement is a choice for you, or get a free quote on how fast you can get out of debt.

There's no cost to find out what your options are. In fact, it might cost you a lot more in the long run if you don't find out

Creditors Relief , LLC
180 Sylvan Avenue
Englewood Cliffs, NJ 07632 

1.877.312.6478

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Finally ready to make your first time budget ever, or to create an actual working budget? Review these key points.
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