-- 1.01% APY on balances above $25,000 -- $100 minimum deposit to open Requirements: * Make at least 13 debit card transactions monthly (excluding ATM transactions) * Receive one direct deposit or ACH auto debit monthly * Receive your monthly statement electronically (e-statement) * Access on-line banking at least once a month -- Powered by BancVue. |
-- High interest rate -- No monthly fees. No minimums to maintain. -- Minimum amount to open account: $1.00 -- To deposit or withdraw, you transfer fund from/to a checking account of yours, typically at your local bank though it could be another online-only bank. This tranfer is made through ACH, which is free between most banks. |
-- Minimum Deposit Requirements: $5,000 -- No fees |
GMAC Financial Services -- A minimum opening deposit of $50 -- $500 minimum balance to maintain to avoid monthly service fees |
ABA Routing Number: 256078446 To become a member, fulfill two requirements: 1. Meet eligibility guidelines 2. Open a Regular Share account with at least $5 |
-- High interest rate even with a low balance; no minimum to maintain -- Free bill payment and the ability to send money to anyone -- Comes with a MasterCard Debit Card -- Free ATM access through the Allpoint Network, surcharge-free network -- No limit on the number of withdrawals (different from the rule for the savings account, which has a limit of 6 withdrawals per month) -- No paper check writing, but sending one by US mail is available free |
-- High interest rate -- Also a very high minimum balance to maintain. |
A subsiciary of First National of Nebraska -- No monthly fees. No minimums to maintain. -- Open an account with $1 or more. |
US subsiciary of a British banking corporation, one of the largest banking groups in the world. HSBC historically stands for Hongkong and Shanghai Banking Corporation. They have a significant presence in US after their purchases of Marine Midland Bank in 1980 and Republic National Bank in 1999. |
Its independence since Atlanta Internet Bank, a net banking pineer, is over. |
Citizens Financial Group, owned by Royal Bank of Scotland Group (RBS) "Totally e Checking" -- Free bill payment services -- No monthly maintenance fee -- $50 minimum opening balance -- Unlimited check writing with no per check charge. -- Their other checking accounts such as "Energized Checking" or "Privilege Money Market Gold" may offer very good interest rates, but only for a very short period of time. Read the fine prints well. |
ABA/Transit Routing Number: 314074269 Member Eligibility: If you are or have been in the U.S. armed forces or are currently enrolled in a commissioning program, you are most likely eligible. Also eligible are spouses or children of the members. |
* $500 minimum to open * Free online bill pay * No monthly fee if balance exceeds $4,999 otherwise $7.50 per mo. |
Well known for its "What's in your wallet?" credit card commercials. -- No monthly fees. No minimums to maintain. -- Free checks (three checks per month). -- Free postage-paid envelopes to mail check deposits. -- ATM card (not free to use at non-Capital One terminals). -- Minimum deposit to open: $1. |
Free online credit reports annually from Equifax, Experian and TransUnion each. Fair and Accurate Credit Transactions Act of 2003 ((FACT Act or FACTA) Note: If the link does not work, just copy "AnnualCreditReport.com" and paste it in the web address box. |
This bank's "eMoney Market" account works in a similar way as the ING Bank's savings account. The interest rate is often times even better. Minimum to open an account: $100 Notes: -- No check-writing privilege. -- No US mail deposits available. |
-- Free unlimited online bill payments with a "Free Checking" account. -- $100 minimum required to open an account. No monthly service charge. Unlimited check writing. -- "American e-Checking" account offers one of the highest rates among bill paying checking account nationwide. To avoid monthly fee for this account, maintain average monthly balances of $1,000. -- Depositing from your local bank account electronically is available free (ACH). No free bank-by-mail envelopes offered. -- ATM surcharge refund: $6.00 per monthly statement cycle. ($4.75 maximum for each transaction) Read the detail. |
Address: 1775 Duke Street Alexandria, VA 22314-3428 703-518-6300 Maybe you are qualified to become a member at one of the credit unions. |
They claim: "America's Largest Surcharge-Free ATM Network" Example locations: Rite Aid and CVS drug stores |
NACHA-The Electronic Payments Association www.nacha.org |
The Federal Reserve System The Federal Reserve Board Federal Reserve Banks |
Fees: Choose one of the following three plans. -- $6.95 a month for up to 20 payments $.50 for each additional payment -- $1.50 per month with $0.65 for each payment -- $1.00 per transaction USPS eBillPay USPS Send Money Pay@Delivery |
Notes: -- ING Direct is the pioneer of the high-interest-rate online savings accounts. You will use an existing checking account of your current bank to link to a new savings account at ING Direct. Have your checkbook ready. To open an account, you will need your current checking account number and its bank's routing number (ABA transit number), which are on your printed checks. -- You can transfer your fund out of the savings account up to 6 times a month just like any other savings or money market accounts. This is due to a Federal regulation. No limit on the number of deposits. ATM cards are now available if you open their "Electric Orange" checking account. -- ING Bank (a US bank) is part of ING Group, based in Netherlands, one of the world's largest integrated financial services organizations, which includes Aetna and ReliaStar. (INGDirect.com) |
Institution Directory Try "ING Bank" not as "ING DIRECT". www.fdic.gov |
Find out rates, fees, etc.: Savings, CDs, checking, credit cards, home equity, mortgages, personal loans, auto loans, ATMs and debit cards. |
Easy Payments between Friends and at Auction Sites for both sellers and buyers. Receive/Send online payments FREE from/to anyone with an email address. You can fund the payments with a debit card or credit card. Using the credit card is considered a "purchase" rather than a "cash advance". $5 bonus promotion ended in September 2003. Now available internationally: United States, Australia, Austria, Belgium, (no longer Brazil), Canada, Denmark, Finland, France, Germany, Hong Kong, (no longer Ireland), (no longer Israel), (no longer Italy), Japan, (no longer Korea), Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, (no longer South Africa), Spain, Sweden, Switzerland, United Kingdom. Kinds of money: U.S. Dollar, Australian Dollar, Euro, Canadian Dollar, Danish Krone, Hong Kong Dollar, Japanese Yen, Mexican Peso, New Zealand Dollar, Norwegian Krone, Singapore Dollar, Swedish Krona, Swiss Franc, Pounds Sterling |
Best online banks Offered by Gomez. They do not seem to be updating their scores any longer. |
Online Banks and Banking-related sites |
Online Stock Brokers |
Best online banks Offered by Gomez. They do not seem to be updating their scores any longer. |
CONTENTS --- Online Banks: High-yield Savings/Money Market Accounts Bill-paying Checking Accounts with High Interest --- Online Instant Payments, Transfer Money, etc. --- Discount Check Printing --- Credit Cards --- Credit Report --- Tax Preparation --- Loans --- Online Stock Broker --- Internet Car/Parts Buyings |
Online Instant Payments, Transfer Money, etc. |
Easy Payments between Friends and at Auction Sites for both sellers and buyers. Receive/Send online payments FREE from/to anyone with an email address. You can fund the payments with a debit card or credit card. Using the credit card is considered a "purchase" rather than a "cash advance". $5 bonus promotion ended in September 2003. Now available internationally: United States, Australia, Austria, Belgium, (no longer Brazil), Canada, Denmark, Finland, France, Germany, Hong Kong, (no longer Ireland), (no longer Israel), (no longer Italy), Japan, (no longer Korea), Mexico, Netherlands, New Zealand, Norway, Portugal, Singapore, (no longer South Africa), Spain, Sweden, Switzerland, United Kingdom. Kinds of money: U.S. Dollar, Australian Dollar, Euro, Canadian Dollar, Danish Krone, Hong Kong Dollar, Japanese Yen, Mexican Peso, New Zealand Dollar, Norwegian Krone, Singapore Dollar, Swedish Krona, Swiss Franc, Pounds Sterling |
Discount Check Printing |
Credit Cards |
Credit Report |
Tax Preparation |
PayPlace They ceased their consumer operations and were sold to a BtoB service. |
Loans |
PayMe.com The person-to-person payment service known as PayMe.com has been discontinued after the merger with PayTrust. |
Find out rates, fees, etc.: Savings, CDs, checking, credit cards, home equity, mortgages, personal loans, auto loans, ATMs and debit cards. |
Institution Directory Try "ING Bank" not as "ING DIRECT". www.fdic.gov |
Notes: -- ING Direct is the pioneer of the high-interest-rate online savings accounts. You will use an existing checking account of your current bank to link to a new savings account at ING Direct. Have your checkbook ready. To open an account, you will need your current checking account number and its bank's routing number (ABA transit number), which are on your printed checks. -- You can transfer your fund out of the savings account up to 6 times a month just like any other savings or money market accounts. This is due to a Federal regulation. No limit on the number of deposits. ATM cards are now available if you open their "Electric Orange" checking account. -- ING Bank (a US bank) is part of ING Group, based in Netherlands, one of the world's largest integrated financial services organizations, which includes Aetna and ReliaStar. (INGDirect.com) |
Fees: Choose one of the following three plans. -- $6.95 a month for up to 20 payments $.50 for each additional payment -- $1.50 per month with $0.65 for each payment -- $1.00 per transaction USPS eBillPay USPS Send Money Pay@Delivery |
Other Saving Ideas on the Net
--- Free office suite compatible with MS Office: OpenOffice.org
--- Tax Returns Online: Find forms, prepare returns or e-file.
--- DSL / dial-up Internet access providers: Free/Paid
The Federal Reserve System The Federal Reserve Board Federal Reserve Banks |
NACHA-The Electronic Payments Association www.nacha.org |
They claim: "America's Largest Surcharge-Free ATM Network" Example locations: Rite Aid and CVS drug stores |
Address: 1775 Duke Street Alexandria, VA 22314-3428 703-518-6300 Maybe you are qualified to become a member at one of the credit unions. |
Internet Car/Parts Buying |
-- Free unlimited online bill payments with a "Free Checking" account. -- $100 minimum required to open an account. No monthly service charge. Unlimited check writing. -- "American e-Checking" account offers one of the highest rates among bill paying checking account nationwide. To avoid monthly fee for this account, maintain average monthly balances of $1,000. -- Depositing from your local bank account electronically is available free (ACH). No free bank-by-mail envelopes offered. -- ATM surcharge refund: $6.00 per monthly statement cycle. ($4.75 maximum for each transaction) Read the detail. |
This bank's "eMoney Market" account works in a similar way as the ING Bank's savings account. The interest rate is often times even better. Minimum to open an account: $100 Notes: -- No check-writing privilege. -- No US mail deposits available. |
Online Banks |
Free online credit reports annually from Equifax, Experian and TransUnion each. Fair and Accurate Credit Transactions Act of 2003 ((FACT Act or FACTA) Note: If the link does not work, just copy "AnnualCreditReport.com" and paste it in the web address box. |
High-yield Savings/Money Market Accounts |
Well known for its "What's in your wallet?" credit card commercials. -- No monthly fees. No minimums to maintain. -- Free checks (three checks per month). -- Free postage-paid envelopes to mail check deposits. -- ATM card (not free to use at non-Capital One terminals). -- Minimum deposit to open: $1. |
* $500 minimum to open * Free online bill pay * No monthly fee if balance exceeds $4,999 otherwise $7.50 per mo. |
ABA/Transit Routing Number: 314074269 Member Eligibility: If you are or have been in the U.S. armed forces or are currently enrolled in a commissioning program, you are most likely eligible. Also eligible are spouses or children of the members. |
Bill-paying Checking Accounts with High Interest |
Citizens Financial Group, owned by Royal Bank of Scotland Group (RBS) "Totally e Checking" -- Free bill payment services -- No monthly maintenance fee -- $50 minimum opening balance -- Unlimited check writing with no per check charge. -- Their other checking accounts such as "Energized Checking" or "Privilege Money Market Gold" may offer very good interest rates, but only for a very short period of time. Read the fine prints well. |
Credit Unions etc. |
More banks: American Bank Online (PCBanker.com), American Express, AmSouth Bank, Bank CaroLine, Bank of America (BofA), Bank One, Bank United, BB&T (Branch Bank and Trust), California Federal Bank, Chase Manhattan Bank, Citi f/i (merged with Citibank), Citibank, Citizens Bank (RI), Commerce Bank (NJ), CompuBank (merged with NetBank), Dime Savings Bank, DirectBanking.com (Salem Five), E*TRADE Bank (formerly Telebank), everbank.com, Fifth Third Bank, First Internet Bank of Indiana (FIBI), First National Bank of Omaha, First Tennessee Bank, Firstar, First Union, Fleet, Guaranty Federal Bank, Harris Bank, Hibernia National Bank, HSBC Bank USA, Home Savings of America (merged with Washington Mutual), Huntington, ING Direct (ING Bank, fsb), Intrust Bank, Key Bank, LaSalle Bank, M & T Bank, Mellon Bank, NationsBank (merged with Bank of America), National City Bank, nBank, NetBank (Net.B@nk: formerly Atlanta Internet Bank), Ohio Savings Bank, Old Kent Bank, PNC Bank, Regions Bank, Security First Network Bank (SFNB: merged with RBC Centura), SouthTrust Bank, Summit Bank, SunTrust Bank, TD Waterhouse Bank, Union Bank of California, Union Planters Bank, USAA Federal Savings Bank, USABancShares.com, USAccess Bank, U.S. Bank, Virtual Bank (Lydian Private Bank), Wachovia, Washington Mutual, Wells Fargo, WingspanBank.com (merged with Bank One) |
Ads by Google:
Its independence since Atlanta Internet Bank, a net banking pineer, is over. |
US subsiciary of a British banking corporation, one of the largest banking groups in the world. HSBC historically stands for Hongkong and Shanghai Banking Corporation. They have a significant presence in US after their purchases of Marine Midland Bank in 1980 and Republic National Bank in 1999. |
A subsiciary of First National of Nebraska -- No monthly fees. No minimums to maintain. -- Open an account with $1 or more. |
-- High interest rate -- Also a very high minimum balance to maintain. |
-- High interest rate even with a low balance; no minimum to maintain -- Free bill payment and the ability to send money to anyone -- Comes with a MasterCard Debit Card -- Free ATM access through the Allpoint Network, surcharge-free network -- No limit on the number of withdrawals (different from the rule for the savings account, which has a limit of 6 withdrawals per month) -- No paper check writing, but sending one by US mail is available free |
ABA Routing Number: 256078446 To become a member, fulfill two requirements: 1. Meet eligibility guidelines 2. Open a Regular Share account with at least $5 |
GMAC Financial Services -- A minimum opening deposit of $50 -- $500 minimum balance to maintain to avoid monthly service fees |
-- Minimum Deposit Requirements: $5,000 -- No fees |
-- High interest rate -- No monthly fees. No minimums to maintain. -- Minimum amount to open account: $1.00 -- To deposit or withdraw, you transfer fund from/to a checking account of yours, typically at your local bank though it could be another online-only bank. This tranfer is made through ACH, which is free between most banks. |
-- 1.01% APY on balances above $25,000 -- $100 minimum deposit to open Requirements: * Make at least 13 debit card transactions monthly (excluding ATM transactions) * Receive one direct deposit or ACH auto debit monthly * Receive your monthly statement electronically (e-statement) * Access on-line banking at least once a month -- Powered by BancVue. |
