CHECKING ACCOUNTS » High Yield Checking

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 checking account, depositors must know some conditions of the deposits including:

• Checking account rates apply to balances up to $35,000
• The checking account rate will be 2.00% APY on balance amounts over $35,000
• If monthly requirements are not met the checking account rate will drop to .20%
• Depositors must make 25 month debit card purchases (PIN or signature based)
• Customers must sign up for monthly 1 Direct Deposit or 1 Direct Payment (ACH)
• To earn the best checking account rate, customers must opt into receiving e-statements
• ATM refunds totaling $10, monthly will be applied as long as monthly requirements are met
• If monthly requirements are not met, a $7 monthly service fee will apply
• This rate will be available until May 31, 2010
• A minimum opening balance of $100 is required
• FDIC insured

Founded in 1916 Adams Bank & Trust has now grown into a financial institution boasting $500 million in assets. The bank has a total of 15 locations with 10 in Nebraska and five in Colorado.

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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.

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 way for people to prove that they can handle their financial responsibilities again by slowly building their reputation.

Why Do People Need Guaranteed Checking Accounts?

People typically need to sign up for guaranteed checking accounts for a variety of reasons including:

• They have poor credit history and cannot sign up for traditional accounts
• They have poor personal finance history and mismanaged past accounts
• They were denied bank accounts due to poor ChexSystems records
• They want a real bank account with complete checking numbers, routing numbers, checks and debit cards
• They do not want to apply for traditional accounts and get rejected
• They are looking for a sure and guaranteed account

Now that you know why there's a need, learn more about when you should get a guaranteed checking account.

Who Should Sign up for a Second Chance Checking Account?

Second chance checking accounts are ideal for people who are unable to obtain traditional checking accounts. They are ideal for people who need a way to conduct their personal banking activities without the means to do so. Companies that offer second chance checking accounts are aware of the position of their customers, and want to make the process as easy as possible. Many do not require embarrassing interviews or harsh regulation.

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