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.
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.
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
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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:
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.
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.
- 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.
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To launch, double-click the Icon on your computer desktop.
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.
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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.
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(*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
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payments are paid from the debt settlement account. Settlement will have a
negative impact on your credit.
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.
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.
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* Bankruptcy can destroy your credit by leaving your ratings low for as long as 7 to 10 years.
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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.
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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:
*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
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*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.
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