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CHECKING ACCOUNTS » High Yield Checking

Posted in Banking, Checking Accounts

Thanks to the show "Jersey Shore", New Jersey is truly growing innotoriety.If you are already know how great your home state is, The Berkshire Bank has a checking account specifically made for locals to save money. This account is non-interest bearing, however it is designed to meet the financial needs of New Jersey individuals, families or households.


The checking account does not provide earning potential, but acts as a low-commitment, affordable banking option for New Jersey locals. Because of the extremely low fees and charges of this particular transaction account, based on your particular needs this may be the best checking account available. The terms of this checking account offer from The Berkshire Bank are simple:

  • Account offer valid for New Jersey residents only
  • New Jersey Consumer Checking Accounts must be opened at a New Jersey branch location
  • Account must have a direct deposit linked to it
  • Once this account is opened, no other Berkshire Bank checking account can be opened
  • Minimum opening deposit of $50
  • Minimum monthly balance of $1
  • Monthly fee of $3 applies
  • 8 complimentary checking account withdrawals monthly, with a risk of a fee being levied on those exceeding that amount
  • FDIC insured

The Berkshire Bank has locations throughout the tri-state area. New York is home to 8 branches and New Jersey has 2, with one inRidgefield and another in Teaneck.

>> Specialty Checking Accounts

Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.



Posted in Banking, Checking Accounts

Learn More About Guaranteed Checking Accounts! >>>

You are most likely interested in who can access your ChexSystems record because you are thinking of applying for a bank account, credit card or loans. Or, you're interested in a guaranteed checking account. The good news is that your right to privacy as a consumer is in high regard, and the federal Fair Credit Reporting Act (FCRA) will not allow just anyone to look at your records. Let's take a more detailed look at how and when your ChexSystems record can be viewed.


ChexSystems Profile Access

The FCRA will do everything in its power to e
nsure that your records are updated with correct and legal information. According to their site, only people with permissible purpose who have a legal right can view your report. Some examples include:

  • If you allow someone to view your report in writing
  • You initiated a business transaction that requires the viewing of your report
  • A court has ordered your report to be viewable
  • Your employer requires it with your written approval
  • You apply for a government license or grant that requires proof of financial responsibility
  • For proof of financial status in a child support circumstance

You can rest easy knowing that only the people who have a right to view your ChexSystems report can do so. Most guaranteed checking accounts will not consider your report.

More on ChexSystems and Guaranteed Checking Accounts



Posted in Banking, Checking Accounts

Learn More About Guaranteed Checking Accounts!

If you've heard of the ChexSystem or are familiar with it, odds are it's because you have a bad record in their system. This could affect your ability to sign up for checking accounts, bank accounts and credit cards. We'll go over the basics of the...



Read Full Article: What is the ChexSystem?

Posted in Banking, Checking Accounts, Local Banks

When you open a checking account , you usually ask how many ATMs the bank has. In the case of First Republic Bank , you may not care as much, since you can use any bank's ATM and First Republic will refund you the ATM fees charged.


If you live in San Francisco, Los Angeles, Newport Beach,...



Read Full Article: First Republic Bank Offers ATM Rebate Checking Account with Unlimited ATM Fee Refund

Posted in Banking, Checking Accounts, Local Banks, Rates

amegy


Because the current Federal Reserve rates are still historically low, finding a decent rate of return on deposits is challenging. However, competitive interest rates are still out there and with Amegy Bank of Texas you can earn an astonishing 2.00% APY with a transaction account with...



Read Full Article: Amegy Bank of Texas Offers 2.00% APY On Smart Checking Account

Posted in Banking, Checking Accounts

Learn More About Guaranteed Checking Accounts!

Chances are that if you're looking to sign up for a guaranteed checking account , you either have bad credit or handled your old bank accounts irresponsibly. Fortunately, signing up for a guaranteed checking account can be easy if you know what...



Read Full Article: How Can I Apply for a Guaranteed Checking Account?

Posted in Banking, Checking Accounts, Local Banks, Rates

1stconvenience .


For over a year, the Federal Reserve has drastically reduced interest rates to help stabilize the current economy. As a result, investors seeking a guaranteed yield checking account have been struggling to find options and that is what makes this checking account offer from First...



Read Full Article: First Convenience Bank Offers Checking Account with Bonus Accidental Death and Dismemberment Insurance

Posted in Banking, Checking Accounts, Local Banks, Rates

Family owned regional bank Adams Bank & Trust is offering a high rate of return on their Super Smart e-checking accounts. Depositors can earn a hefty 4.00% APY on deposits, making the offering one of the best checking account deals currently available. To qualify for the interest generating...



Read Full Article: Earn More With an Adams Bank & Trust 4.00% APY Checking Account Rate

Posted in Banking, Checking Accounts

Learn More About Guaranteed Checking Accounts!

Guaranteed checking accounts are basically second chance checking accounts for people who have either mismanaged their past accounts or have low credit due to poor credit/personal finance management. Guaranteed checking/banking accounts are a great...



Read Full Article: What is a Guaranteed Checking Account?

Posted in Banking, Checking Accounts, Online Banks, Rates

virtual-bank


A real 1.01% APY checking account interest rate is being offered by VirtualBank . To apply for the bank's maximum checking account interest rate specific terms must be met including:

  • Minimum opening balance of $500 required
  • 1.01% reflects the highest tier of interest and will be paid on...


Read Full Article: Earn a Real 1.01% APY By Opening a VirtualBank Rewards Checking Account

About Checking Accounts

A checking account, or a transactional account where a depositor can write checks that are payable on demand, is an important component in anyone's banking portfolio. Checking accounts are available from nearly every bank, the FDIC backs them, and there are many options for consumers to compare and choose from.

Some options to consider when looking for the best checking account are free checking, complimentary ATM cards, transaction limitations, overdraft protection, general rates and whether your checking account can earn an interest rate.

Typically checking accounts that do offer interest rates tend to have a high minimum deposit requirement. However, most banking institutions offer checking accounts with very little deposit needed to get the account up and operational.

If you are looking for the best checking account, think about what options you really need. Then compare all the options out there and choose wisely.

Checking Accounts Tips and Benefits

Knowing the ins and outs of using a checking account for your financial gain is a plus. With Checking accounts, you are able to manage your finances and make payments easier. Your money is safe since most banks and credit unions are FDIC- or NCUA-insured, respectively. Here are some useful facts and information about checking accounts:

Current Checking Accounts News

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