Tag Archive | "citibank"

Cash Deposit CD Rates of US Banks

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I have searched internet for a good list of Cash Deposit Rates for all US Banks but did not find anything useful except a forum from where I picked this info. I am not sure if it the most recent list but this is what is available at the moment. best thing about this list of CD Rates is that links to bank websites are there. so ever if the list is not current list of CD rates it is very useful. If you know another source of  good CD rates or have up to date information, please leave a comment so I can update the list accordingly.

Use Find Function on your browser to find the CD Rate or bank you are looking for…. (usually Ctrl+F)

Symbols:

  • * – Opening balance under $2500
  • ** – Opening balance $2500 to $9,999
  • *** – Opening balance $10,000 to $24,999
  • **** – Opening balance $25,000 and higher (+ denotes high end of range)

cd-rates

3-month CD

(Threshold is 4.00%)

5.25% Middlesex Savings Bank *

5.00% Community Banks of PA **

4.99% Statebank of India (US branches only) ***

4.90% Crestmark Bank ***

4.89% Stearns Bank ****+

4.75% eBank *

4.65% Meadows CU *

4.65% Greater Atlantic Bank *

4.60% UFB Direct ****+ (starts at 4.08%)

4.60% Tennessee Commerce Bank

4.60% National InterBank ****+

4.59% First Internet Bank of Indiana *

4.59% Corus Bank ***

4.58% KeyDirect ****

4.55% Raymond James Bank *

4.55% Meadows CU *

4.55% Imperial Capital Bank *

4.55% FirstFedDirect.com ***

4.51% Umbrella Bank *

4.51% EverBank *

4.50% E*trade Bank *

4.50% LaSalle Bank ***

4.50% IndyMac **

4.50% Virtualbank ***

4.45% State Farm Bank ****+

4.45% Nexity Bank *

4.42% Advanta Bank ***

4.41% GiantBank *

4.40% ESB Bank **** (starts at 4.06%)

4.35% Community First Bank *

4.27% Self-Help CU *

4.25% Discover Bank ****

4.25% Bank of Internet *

4.20% American United Bank *

4.15% First Financial CU ****+

4.00% GMAC Bank *

Read the full story

How to Cancel Your Credit Card

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A few days ago my wallet was feeling a little too bulky. It was not because it was stuffed with cash. It was filled with plastic; credit cards as we call it. So I thought it was a good idea to cancel a few of them that I hadn’t been using for a while. I would like to share with you how I canceled one of my credit cards.

cancel credit card

How to cancel your credit card

Although I have experience of Applying for credit cards but this was my first experience of canceling one. Apply is easy, canceling a card is harder. Have you ever tried to cancel your credit card?. Or close a bank account. Or Tried to terminate your Internet Service?.

Most of these companies try to make it very hard for you to quit. They put you through lots of exit interviews and throw you to their “customer retention specialists”. These hogs keep on making calls to you and ask you teasing questions the list of which might be endless. They even try to talk you out of your decision. Thy use anything to achieve their target.

They question your sanity, try to bring in moral questions that you feel guilty about canceling that credit card or whatever service you are trying to quit.

This morning I had a similar experience. I have an Citibank Visa card that I am trying to cancel. I have no balance on this account, so if thought that is a good idea to call them and tell them that I no longer need their service and that would be it. but that was only what “I” thought.. I was nothing like it. Read the full story

What if you don’t cancel your credit card before you die?

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Be sure and cancel your credit cards before you die!!

A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00, now somewhere around $60.00. A family member placed a call to Citibank.

Here is the exchange:

Family Member: “I am calling to tell you she died in January.”

Citibank: “The account was never closed and the late fees and charges still apply.”

Family Member: “Maybe, you should turn it over to collections.”

Citibank: “Since it is two months past due, it already has been.”

Family Member : So, what will they do when they find out she is dead?”credit card debt after death

Citibank: “Either report her account to frauds division or report her to the credit bureau, maybe both!”

Family Member: “Do you think God will be mad at her?” (I really liked this part!!!!)

Citibank: “Excuse me?”

Family Member: “Did you just get what I was telling you – the part about her being dead?”

Citibank: “Sir, you’ll have to speak to my supervisor.” (Duh!)

Supervisor gets on the phone:

Family Member: “I’m calling to tell you, she died in January.”

Citibank: “The account was never closed and late fees and charges still apply.” (This must be a phrase taught by the bank!)

Family Member: “You mean you want to collect from her estate?” Read the full story

 

May 2012
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