Loan


Checking Account

All checking account holders are provided with credit cards, which they can use any time they need to access their funds...
Some US banks offer credits on customers’ personal accounts, so you can manage your funds from any location via the Internet...
compare checking accounts offered by your chosen banks...
Also, an online checking account is a way around submitting your credit record, because most banks do not require it...
With checking accounts growing more and more popular, many banks offer user friendly online services with lucrative checking account rates ...
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Few outlets have offered consumers their credit scores for free

Scores are also visible on online accounts.

  • Capital One started giving customers their TransUnion credit score, a FICO competitor, and report in March 2014.
  • CitiCard holders started getting free monthly access to their FICO score online this month.
  • Experian announced this month that it will start offering members in its credit tracking program their FICO scores instead of the Plus credit score...
    Millions of consumers will start getting regular reminders of their financial health as more financial institutions roll out programs to offer customers their credit score for free this year...
    "It's significant that these banks, that have so much control and so much power when it comes to making lending decisions, are taking the steps to open up some of the process and let people see more clearly where they stand."

    "Seeing your credit score with regularity gives people the opportunity to catch certain trends," like identity theft, says Bruce McClary, spokesperson for the National Foundation for Credit Counseling...
    It formerly just offered the TransUnion report.
  • For banks, offering the scores not only encourages customers to work toward better credit — and become eligible for more banking products — but fosters positive brand recognition in a competitive environment...
    Few outlets have offered consumers their credit scores for free or only offer them periodically...
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    Balance Transfer Offers



    If you think it’s about time to look for the best balance transfer credit cards , there are a handful of important considerations...


    It is not uncommon for US credit card companies to offer 2% or even 0% interest rates, but this is only for a limited period of time...


    Zero Balance Transfer

    The recent major economic disturbance in the US and overseas has prompted some credit card companies to offer 0% balance transfers...
    If you wish to find the best balance transfer credit cards, you are going to have to study the market and keep track of its dynamics...
    1. See for how long the introduction card rate is valid
    2. Are there any monthly or annual fees?
    3. Is the intro rate applicable to all transfers made during the introductory period or is it only valid for the first transfer?
    4. Does the rate spread to any of your purchases?
    5. How big is the rate charged after the introductory period expires?
    6. Is an imprest checking account set for quick payouts?
    7. Are there transaction fees? If the answer is ‘yes’, how big are such fees?
    Keeping an eye on transaction fees is a must...
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    Free Checking Account

    Some of such banks offer different types of checking accounts depending on clients’ credit history, source of income, etc...


    Some banks offer high interest checking accounts, which can bring a good profit provided that the balance and income are high enough...


    Some banks of the USA, Europe, and Canada offer checking account promotions, presenting some gifts to new clients...
    Some of them render their services online, proposing profitable checking account rates, while other banks offer non-virtual services...
    Debit card should be used by free checking account holders several times a month as established by the bank; minimum balance should be kept as well...
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    What Are the Best CD Rates Today?

    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...
    This is still mostly true when it comes to brick-and-mortar banks and credit unions...
    Savings accounts also offer a bit less certainty when it comes to interest since the rate can fluctuate with the market — good or bad...
    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...
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    Merchant Services



    Merchant Service Account

    A merchant service account represents a bank account that businesses would normally use to accept payments made by means of credit and/or debit cards...


    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...


    Although the basic functionality of most credit card merchant services is to allow businesses to accept payments by credit cards, they usually work with all cards, including Visa, MasterCard, Amex, Discover...


    Most of these merchant services providers work with Visa/MasterCard payments and offer credit card terminals for your convenience...


    Merchant Services Direct offers a full range of online payment processing, including credit and debit card processing, electronic checks, e-wallet, etc...
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