• Keep your banking information secured

    Keep your banking information secured

    Don’t be astonished choosing a password for your Internet banking account is very important. Before you put your password for Internet Banking, make sure that you choose a password that only you can remember. A strong password has ideally at least 14 characters or more – certainly the more the better. The password must be composed of letters, numbers and other symbols. You can use upper and lower case to improve the complexity of...

    http://bank-rates.org/financial-consultant/keep-your-banking-information-secured
  • Alluring bank rates and easy profit

    Alluring bank rates and easy profit

    The banking industry is alluring. In the last ten years, competition among financial institutions has created many opportunities to make extra money with the best Bank Rates. There are two main reasons for this new competition: reduced regulation and appearance of the Internet. With widespread access to broadband, online banks can now offer loads of features that traditional banks can not. In addition, these online banks can offer the best...

    http://bank-rates.org/financial-consultant/alluring-bank-rates-and-easy-profit
  • Online banking: advantages and disadvantages

    Online banking: advantages and disadvantages

    Most online banks offer higher interest rates or other offers on savings accounts and other banking products because these banks have less overhead. There is not much building to pay and there are fewer employees. Account information and services are available 24 hours a day, every day. An exception to this rule would be for online banks may need to go offline for a couple of hours to update and maintain systems. Most online banks have no fees...

    http://bank-rates.org/financial-consultant/online-banking-advantages-and-disadvantages
  • What you need to know about bank rates

    What you need to know about bank rates

    People need the loans for different reasons and things. You can choose different loans, such as home loans, car loans, student loans, business loans and other types of loans. Don’t forget that the percentage varies in different types of loan . Banks will typically have lower percents in regards to percents match to other financial institutions. Before apply for a loan, you must know the rate of bank loans. If you need to buy a house for...

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Banks Look to Offer Cash Incentives to Consumers Who Save

By Kenneth Moore | Mar 30, 2010

In order to convince consumers that it’s time to save money once again, the Financial Services Roundtable and the Consumer Federation of America are teaming up to think of ways to offer cash incentives. According to the groups, millions of low- and middle-income Americans are without savings accounts, so on Thursday, large banks and consumer advocates decided to change that.


Savings Account Stats

A new analysis from the Consumer Federation of America determined that more than two-thirds of families making less than $19,000 a year lack savings accounts. And approximately half of families making $34,000 are without accounts.

But even more astonishing is that 42 percent of middle-income families making between $34,000 and $54,000 and 20 percent of those making more than $80,000 don’t have accounts either.

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Tags: Consumers, Offer Cash
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Earn a .50% APY With a Civic Bank and Trust Savings Account

By Kenneth Moore | Mar 30, 2010

Nowadays, locating a competitive interest rate of return feels like a failed game of hide and seek, as “it” is truly hard to find. Nashville residents can soon proclaim to be winners of the game since at .50% APY,Civic Bank and Trust savings account rates are above the current national averages.

Although this is not the very best savings account rate offer available, the terms are simple and there are barely any strings attached. Some terms to qualify for the savings account rate with Civic Bank and Trust include:

  • Interest paid quarterly
  • Only three withdrawals allowed per quarter
  • If more than three withdrawals occur a $2 per transaction fee will apply
  • Minimum balance of $500 required to avoid monthly service charge
  • For those accounts that do not qualify, a monthly service charge of $5
  • There is no minimum balance required to earn the savings account rate
  • Rate may change after account opening based on banks discretion
  • FDIC insured

Civic Bank and Trust is based inNashville, Tenn., however the financial institution features a comprehensive web-banking interface for those who prefer conducting transactions online.

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Coppermark Bank Has an .18% Savings Account Rate

By Kenneth Moore | Mar 30, 2010

Considering the current economic trend, at .18% APY Coppermark Bank Savings Rates are worthy of consideration for those looking to put their money on deposit. Diversifying your investment portfolio is essential strategy to mitigate any risk of future loss. With a regular savings account in place, you will have a safe haven for your money. Plus you can let the amount build to have the financial resources required by other types of investment tools.

To earn one of the highest savings account rates on a very basic account certain obligations must be met such as:

  • Account must be opened with a minimum amount of $100
  • Minimum daily deposit average of $250 or making a $25 transfer from checking to savings will ensure quarterly fees are waived
  • Those who are younger then 18 will have quarterly fees for this account automatically waived
  • Quarterly service fee of $4.40 may apply if above savings account terms are not met
  • Six quarterly withdrawals included
  • Quarterly withdrawals over that amount will be charged $2.25 per transaction
  • Interest rates may fluctuate at the bank’s discretion
  • FDIC insured

Coppermark Bank first began as Guaranty Bank & Trust in 1963 and at that time they were headquartered in Oklahoma City.

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Tags: Coppermark Bank, Rate
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Minors Earn Major .13% APY With Community Bank NM

By Kenneth Moore | Mar 30, 2010

Are you a new parent looking for a baby savings account? If so, then the First Community Bank’s Looney Tunes account designed for minors will do the trick. In the beginning, parents can help build their offspring’s nest egg while earning a competitive .13% APY. As the child matures, parents can guide their children through the First Community Bank’s kid page in order to provide them with money management basics.

First Community Bank minor savings rate is actually equal to the financial institutions regular savings account rate. Some terms to qualify for the First Community Bank savings rates certain terms apply including:

  • Account offer only applies to those under the age of 18
  • No minimum balance required
  • No monthly fees
  • Limit of 9 withdraws per quarter with no transaction fee
  • Signature required by a parent or guardian
  • FDIC Insured

Community Bank has locations> throughout New Mexico and has branches in Sante Fe, Los Alamos,Espanola,Tierra Amarilla andAlbuquerque.

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Tags: Bank, Community Bank
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