Posted on 01 April 2011
Tags: accoun, account holder, account holders, accounts, America, America customs, Americaâ, Arizona, ATM, ATMs, attention, Automated teller machine, balance, bank, bank account, Bank Accounts, bank balance, Bank of America, Bank of Amwrica, bank services, banking, banking services, benefit, benefits, bofa, BofAâ, checking, checking accounts, credit, credit card, customer, debit, debit card, deposit, difference, discount, eBank, essential, Essentials, existing customers, fee, Georgia, government, government of america, innovative system, instance, interest, Maintaining, maintenance, maintenance fee, maintenance fees, Massachusetts, new strategy, offering, online, online bank, online banking, overhead, paper statement, Platinum, preferred accounts, Premium, process, Reduce, Refrain, revenue, tellers, The bank, tier system, Transactional account, US, USA, Usage, withdrawal
The existing customers of Bank of America can expect a change in the fee after the first half of 2011 if they are not paying any attention towards the new banking rules, which are recently stated. Bank of America is trying to recover lost revenue by the new set of rules ordained by the government of America. They are deciding to put fees on a new sort of bank account.
Ways to reduce or avoid BofA fees
In 2010, it was reported that Bank of America is introducing an innovative system which will help to reduce costs. One can cut down the cost by following a strategy that promotes the customers to manage high bank balance and to use maximum bank account features. The Customers who are following these simple strategies will be rewarded by not having these new fees on their bank accounts.
For Instance, following these tasks will help customers to get fees waived:
- Usage of Bank of America’s credit card monthly
- Maintaining a high bank balance in their checking accounts
- Refrain from using tellers.
- By receiving statements electrically.
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Posted on 07 May 2009
Tags: Amalgamated Bank, American Express Co., auto insurance, Bank of America, Bank of Atlanta, Bank of New York, BB&T, Brookline Bank, Brown & Co., Cable TV, California, car insurance, car loan, cellular telephone, Charles Schwab Bank, Charter One Bank, Chase Manhattan Bank, Cingular Wireless, citibank, Clackamas Community Federal Credit Union, Comcast, Coral Springs Nissan Auto Mall, Countrywide Bank FSB, Credit Score, Digital Federal Credit Union, eBank, equifax, Equifax Valley National Bank of NJ, EverBank, Fidelity Investments, Fifth Third, Flagstar Bank, GMAC Bank, hard credit inquiry, hard inquiry, Indiana Members Credit Union, Johnson & Johnson, LionBank, Marquette National Bank, Meadows Credit Union, Mechanics Bank, Muriel Siebert & Co., NASA Federal Credit Union, National1St Credit Union, Pentagon Federal Credit Union, PNC Bank, Presidential Bank, Principal Bank, Provident Central Credit Union, Qwest, Salem Five, savings/combination brokerage, soft credit inquiry, St. Paul Bank Corp., State Farm, SunTrust, Trans Union, US Bank, Verizon, VOIP, Wachovia, Washington Mutual, Wells Fargo, Wisconsin, Yale, Yale & Associates
There are two types of inquiries that a company may make into your credit record,i.e. “‘hard inquiry” or “soft inquiry”.
If a company makes a hard inquiry into your credit record,it will damage your credit score temporarily.Your credit score may be damaged only by a hard inquiry while a soft inquiry does not affect your credit score. 
If you are planning to get a mortgage or you need a car loan then in this situation even a few points difference in your credit score cannot be ignored and this small difference in your credit score may magnify into a considerably big change. So we need to know that how can we decide whether the inquiry is going to be “hard” or “soft”?
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Posted on 16 February 2009
Tags: 1 year CD, 18 Month CD, 2 year CD, 3 Month CD, 3 year CD, 4 year CD, 5 year CD rate, 6 Month CD, 9 month CD, Acacia Federal Savings Bank, Access National Bank, Advanta Bank, Affinity Bank, All Bank Rates, Allied First Bank, American Chartered Bank, American United Bank, AmTrust Bank, Ascencia Bank, Assurance Partners Bank, bank interest rates on Cash Deposit, Bank of Gravett, Bank of Internet, Bank of Washington, bank websites, Banks, BB&T, Beal Bank, California First National Bank, Cash Deposit Rates, CD Rates, Centennial Bank, Chevy Chase Bank, citibank, Community First Bank, Compass Bank, Corus Bank, Countrywide Bank, Crestmark Bank, Department of State, Discover Bank, E*trade Bank, Eagle Bank, eBank, Edens Bank, ESB Bank, EverBank, First Inernet Bank of Indiana, First Internet Bank of Indiana, First National Bank & Trust, First National Bank of Chillicothe, Flushing Savings Bank, GiantBank, GMAC Bank, Greater Atlantic Bank, Hillcrest Bank, Home Bank of California, Imperial Capital Bank, Independence Federal Savings Bank, India, Interest Rates, Internet Bank of Indiana, Interstate netBank, Intervest National Bank, La Jolla Bank, LaSalle Bank, list, M&T Bank, Metlife, Middlesex Savings Bank, Mutual Bank, National Bank of Chillicothe, National Bank of Kansas City, National InterBank, NetBank, Nexity Bank, North Community Bank, odd terms shorter than 18 months, odd terms shorter than 5 years, Ohio Savings Bank, Pacific Mercantile Bank, Pacific Premier Bank, Pacific Trust Bank, Park National Bank, Pentagon, PNC Bank, Provident Bank, Randolph Brooks, Raymond James Bank, Resource Bank, Salem Five, Sandy Spring Bank, Sleepy Hollow Bank, Source Bank, State Farm Bank, Statebank, Stearns Bank, Stonebridge Bank, Suntrust Bank, Tennessee Commerce Bank, Thomaston Bank, Transportation Alliance Bank, UFB Banking Center, Umbrella Bank, United Bank, University of Kentucky CU, Virginia Commerce Bank, Virtualbank, Washington First Bank, Western Financial Bank
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)
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 *
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