Loan


Balance Transfer

As a rule, the best balance transfer offers are those that involve the creation of a new credit card account with an interest-free introductory package...


As with any financial step you take during lifetime, you should consider a few important things when searching for the best balance transfer credit cards :

Be sure to pay attention to transaction fees that credit card companies charge on each balance transfer...


0 interest offers are at their height at the moment, and in most cases they are less expensive than long-term credit cards, even if it takes a few years to repay your loan...
Furthermore, if you are late with your payment at least once, some US companies can apply their usual interest rates to your account...

Balance Transfer Offers

A credit card balance transfer offers a great way to save money...
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Best Checking Account



One more benefit that you may come across is that when applying for a checking account, some banks may provide you with a free-of-charge account that you can use for a certain period...
With so many independent credit unions, banks, and other financial institutions, it is not an easy task to find the best checking account that offers both high interest rates and is secured by the Federal Deposit Insurance Corporation...


Best Checking Account Offers

Due to a stringent competition amongst the banks of America, Canada and US-friendly financial institutions, you have more chances to find the best checking account that will not only save your money, but will also bring returns on your investment...
Furthermore, make sure you are aware of special deals valid on the day you apply for your checking account...
In any case, you should think thoroughly before applying for the best checking account ...
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Where to Look for Savings Account Options

In addition to fee-free savings, Capital One offers an array of online and mobile banking services and tools that can help you keep an eye on your money.

Capital One 360 at a Glance

Best Online Savings Account for High Balances: CITI Bank

CIT’s savings account offers a tiered interest rate structure, so higher balances earn higher interest...
Its Online Savings account offers one of the highest yields in the nation at 1.05%...
You can also get started by checking out this tool that includes a list of banks and displays daily rate updates for all the best savings accounts.

Since rates are always changing, I always like to start my searches with a quick tool to get the lay of the rate land at any given time...
Here is how I got started:

Once I had a good list of online accounts built up, I started adding filters to my search...
Not only do they provide check writing through their money market account, they make a pledge that their rate will always be in the top 5% of competitive bank offers nationwide...
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What Are the Best CD Rates Today?

That makes these accounts a better pick for any money you need to be able to withdraw quickly and penalty-free, such as an emergency fund.

Of course, if you opt for a high-yield CD online or open one with a higher balance or longer term, a CD can still beat these accounts when it comes to APY...

If you’re looking for a place to stash your money for a longer period of time than a regular checking or savings account, you may have investigated a certificate of deposit, or CD...
All of these CDs mature at the same time, but you still had access to at least a portion of your money until the last year.

Alternatives to CDs

If you’re not quite sold on CDs, there are some other low-risk alternatives that might be a better fit — some more liquid than CDs, and some less so.

High- Yield Savings Accounts

A high-yield savings account offers a beefier interest rate than the paltry national savings account average, which is 0.09% in August 2015, according to Bankrate...
Online, you can find high-yield savings accounts offering 1.0% APY or more...
And it’s not much lower than the one-year high-yield CDs we mentioned above.

Perhaps the bigger advantage with high-yield savings accounts, however, is that you’ll still be able to access your money when you need it...
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Checking Account Offers

Some banks offer refunds on the fees charged by other banks’ ATMs, ensuring that you use any ATM across the country with no fees at all

  • No sign-up charges and free monthly maintenance
  • If your balance is maintained on the level of about $1,000 for a certain time, you can also get a bonus in the amount of $50 or $100
  • Special gifts and presents are also part of checking account offers in many banks...
    If you have a good cash flow, consider the accounts that allow for unlimited transactions
  • Try to find the highest interest rates and search the best checking account offers
  • Make sure you are comfortable with all the bank’s terms and conditions
  • Best Checking Account Promotions

    To get a new clientele, many banks offer checking account promotions available for those opening an account with them...


    There are several types of checking account offers: