Loan


Where to Look for Savings Account Options

CIT Savings has no monthly fees and requires just $100 to open a new account.

CIT at a Glance

The 2 Best Savings Accounts with No Monthly Fee: Barclays and Synchrony

Barclays is a relative newcomer to the U.S...
Even with no monthly fee and high rates, Barclays manages some great online banking features like online transfer, external account linking, and remote deposit using your smartphone or home computer scanner.

Barclays at a Glance

Synchrony OptimizerPlus
GE Capital has spun off its retail arm and is now Synchrony...
In addition to your traditional local bank, you may be surprised to find that you can open a savings account with one of these types of companies:

Why Choose An Online Savings Account?
Today, almost every financial institution with personal banking products has an online presence...
Currently, their industry best 1.05% APR goes to customers who can maintain a balance of $25,000 or higher in the account.

CIT’s lower rates are still some of the best around (1.00% APY for no minimum balance), so if you plan on growing your savings significantly in the near future, it might pay to open this account now and take advantage of the tiered structure as your savings grows...
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...
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Payday Loans without Checking Account



It is quite common when lenders ask you to open a checking account with them, but you can choose not to do so...
If you need fast payday loans, no checking account payments can be made by most major banks...
If you are in a similar situation, don’t be in a haste to open a checking account as there are other options to get advance cash...
Furthermore, anyone can secure payday loan irrespective of credit history and so a payday loan without checking account is quite a reality...


The number of lenders offering a payday loan without checking account seems to be increasing over years, so there is definitely a deal for anyone...
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Checking Account

What is a Checking Account

Many of us have a good understanding of bank accounts, but some of us may aks what is a checking account ? It is a bank account, which deposit holders can use for their most common transactions, which include bill payment, purchases, etc...
With checking accounts growing more and more popular, many banks offer user friendly online services with lucrative checking account rates ...
Also, an online checking account is a way around submitting your credit record, because most banks do not require it...
Free checking accounts provide basic opportunities for secure money storage and convenient bill payment and electronic shopping options...
With online banking services readily available, it is not uncommon for banks to use these methods to get someone to apply for checking account online ...
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Balance Transfer



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...
Furthermore, if you are late with your payment at least once, some US companies can apply their usual interest rates to your account...
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...


If you want to transfer your card balance to an existing account rather than a new one, be prepared to pay an additional fee for the transfer...
In case your company has an online financial system, you can easily start the transfer by yourself...
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Online Merchant Account

The purpose of opening such accounts is that payment processing costs are usually lower when accepting payments worldwide and enable business owners to substantially reduce their charges on international payment processing...
In this case, a customer receipt is created and then processed over the phone.

  • Payment gateway is the most common service for authorizing and processing payments made via the Internet.
  • There are two basic methods used by online merchant account services :
    1. A sponsored bank or payments processor
    2. An authorized bank’s agent registered with MasterCard and/or Visa
    When payments are processed by a bank, you will need to get your merchant account directly from this bank...


    Free Online Merchant Account

    An offshore merchant account is usually established to address the following needs: By establishing your merchant account online, you can get a transaction processing account within the frames of the territory located outside your business area...
    For example, if your company is registered in the USA, but you need to accept payments from the residents of Canada, you can establish a Canada-based offshore merchant account...
    These businesses include the following sectors: Because such businesses face a high risk of chargebacks and refunds, they need the creation of a special account, namely a high risk merchant account that will reduce risks, maximize revenue and cash flow as well as protect against losses...
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    Merchant Services

    For example, some merchant services providers charge just a few percents of each payment processing, which may start from 3 cents only!

    If you are going to enhance your online campaign and sell lots of products and/or services, you will most likely need to open a merchant account, which will significantly reduce your charges and is considered a better way of representation in the eyes of your clients...


    A merchant services account can be used to accept payments made with the following sources:

    Credit Card Merchant Services

    Credit card merchant services are aimed at providing ample opportunities for online businesses to accept credit and debit card payments...
    All these businesses are classified as high risk and need high risk merchant services that will help the business owners to engage in their online activity without most of the risks associated with opening a merchant account...
    You can also take advantage of such merchant card services as PayPal, 2CheckOut, or Google Checkout that allow you to accept unlimited payments without the need to open a merchant account with your bank or other payment processing company...
    Most merchant accounts usually support PayPal payments...
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