Capital One 360 Black Friday Action – Kick Your Savings and Checking Into Gear

Black Friday isn’t just for retail stores.

This year why not do something different? Instead of going out fighting the crowds to buy stuff, how about doing something that can positively impact your finances?

Capital One 360 is offering up their annual Black Friday specials this year from November 28th at 12am ET through December 1st at 11:59pm ET.

“What’s this Capital One 360 you speak of,” you ask? They are only my favorite online bank account! And I want you to get in on this goodness.

You know I’ve been a Capital One 360 customer for years and think it’s a great place for online savings so I’m pretty excited to see what they are going to offer (we also use their online checking and their ShareBuilder investing site)!

Take a look at this year’s “don’t miss” Capital One 360 Black Friday sale:

360 Checking $100 Bonus

When you open up a 360 Checking account between Nov. 28th and Dec. 1st with an initial deposit of $250 and make 5 purchases using your debit card (either signature or pin-based) or CheckMate(SM) deposits (or any combo of the two) within 45 days you will get a $100 bonus.

On day 50 after opening your account your bonus will show up.

This has to be your first 360 Checking account (including joint account holders and Electric Orange checking).

We opened our 360 Checking account a couple of years ago (when they were ING Direct) through their Black Friday promotion.

It’s a great account that offers free ATMs at over 38,000 Allpoint ATM locations (more in my area than my brick and mortar bank), there are no monthly fees, and no overdraft fees. Your balances will even earn interest.

The Capital One 360 Checking account also offers up great features like having them mail out checks for you. If you feel more comfortable with physical checks to write on your own then you can get a checkbook from them as well.

Click Here to Learn More About the Offer

360 Savings $100 Bonus

When you open up a 360 Savings account between Nov. 28th and Dec. 1st you get a $100 bonus with an initial deposit of $1,000 or more.

That’s a pretty great start to savings if you ask me!

Our 360 Savings account is over 10 years old now. We’ve been using it as a place to create savings goals, budget for future purchases, help teach our daughter about savings, and more. We really love this account. We set up automatic savings withdrawals from our checking account into savings so that we always have some money going into savings. This way we don’t have to think about putting money into saving.

I can’t say enough good things about this account!

If you are opening up an account for the bonus this needs to be your first 360 Savings account. This includes any older Orange Savings Accounts you might have as well as any account a joint account holder may already have.

You’ll start earning interest on your bonus from day 1 but you can’t take the bonus money out for at least 30 days.

Click Here to Learn More About the Offer

Final Word on Capital One 360’s Black Friday Sale

I have savings, checking, and investment account through Capital One. I have always been happy with their services and I love their accounts. Opening up my online savings with them was one of the first big steps I took to take control of my finances.

If you have been looking for a new savings, checking, or investment account then don’t miss out on these great bonuses.

Black Friday is all about buying stuff at a great price. With Capital One 360 you get to save and earn more on your money with great deals.

What Capital One 360 Black Friday deal do you like?

*Of course you should always make sure you check and understand all of the details of the account before you open one. The links to Capital One are affiliate links. This means I get a commission when you open up an account. This is at no cost to you.

Capital One 360 Financial Independence Days Sale 2014

Head on over to to grab some savings and wave the flag of financial freedom.

Capital One 360 Financial Independence Days Sale – 2014

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Capital One 360 and ShareBuilder Black Friday Action – Kick Your Savings, Checking, and Investing Into Gear

Note: These were last year’s offers. Click here for this year’s Black Friday deals.

Black Friday isn’t just for retail stores.

Capital One 360 is offering up their annual Black Friday specials this year from November 29th through December 2nd.

If you don’t feel like going out and spending your money you can check out what Capital One 360 will be offering for you to save.

You know I’ve been an Capital One 360 customer for years and think it’s a great place for online savings so I’m pretty excited to see what they are going to offer (we also use their online checking and their ShareBuilder investing site)!

Take a look at this year’s “don’t miss” Capital One 360 Black Friday sale:

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All About Free Online Checking Accounts – Why Pay More Fees Than You Have To

Don’t you hate it when you look at your checking account and see less money there because of fees you were charged?

And isn’t it annoying when you look at the requirements of checking accounts of many traditional/brick and mortar banks?  (Are you checking the requirements?  Gotta ask.)

They say they have free checking but you have to fulfill a maze of requirements: have a direct deposit with them, have an account balance of at least X for the month, stay under Y transactions… It’s hard to keep up!

blank_checkSo what options are out there?  Free online checking accounts!

As technology and the internet have grown, companies have stepped up and recreated the wheel, so to speak.  A number of banks have introduced free online checking accounts that are easy to use and full of features.

And because these companies are online and don’t have to manage physical bank locations, they can offer their customers more benefits such as higher interest rates, cash back rewards, and free services like bill pay – all nice bonuses in addition to a free online checking account.

Are you not with me yet?  Fine.  Understand that there are many checking accounts out there that are chock full of serpentine fees just waiting to suck your hard-earned money out.

These Are some Common Checking Account Fees You Want to Avoid

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PerkStreet Financial Online Checking is Shutting Down (What Happens to My Money?)

It’s a sad time for online checking.  PerkStreet Financial will be closing its doors for good on September 26th, 2013.

“Who is PerkStreet,” you might ask?

PerkStreet was (look I’m already using them in the past tense) an online bank that provided online checking accounts with fair fees.  And they weren’t just checking either.  They tried to make checking online rewarding for their customer by giving cash back and rewards when you used your PerkStreet debit card for purchases.

Many people loved PerkStreet as an alternative to credit cards.  It’s easy to rack up charges that are too big to pay off in full with a credit card (for some people).  With a debit card you can only spend what is in your account.  Using PerkStreet for purchases kept people accountable to their money — they couldn’t spend what they didn’t have.

Another aspect many loved with PerkStreet was their fees, or lack of.

They were part of an ATM network that had over 42k locations so it was pretty easy to find an ATM so you wouldn’t get hit with fees for being stuck with an out-of-network ATM.  They also offered up online checking with no monthly fees and no minimums to open an account.

PerkStreet was a breath of fresh air in an age where brick and mortar banks have been slowly taking more out of customer’s pockets with different fees.

But no more.

If PerkStreet is So Great Why Are They Closing?

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The Minefield of Checking Account Fees – Here’s How to Minimize the Damage

Not too long ago, finding a free checking account was easy. 

They were plentiful, and there weren’t many fees unless you had overdrafts or some other major account issue.

Now, however, free checking accounts aren’t as easy to find.  The ones that are still “free” aren’t exactly free as they are rife with hidden fees.

Now, if you’re not careful, checking accounts can routinely rob you of hundreds of dollars a year.

The Minefield of Checking Account Fees and How to Avoid Them

Trouble Comparing Services

Part of the trouble is that it’s very hard to do an apples to apples comparison of banks’ fees.
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How to Use a Prepaid Debit Card to Your Best Advantage

Prepaid debit cards are becoming increasingly common, thanks to a push to cater to the unbanked.

In recent years, banks have raised fees on checking accounts, and many consumers are fed up with it.  You might not even be safe from fees at a credit union.

My credit union added a monthly fee to its checking account products a couple of years ago.

It’s possible to avoid these fees if you can maintain a minimum balance, or deposit a certain amount of money in your account each month, but some consumers can’t realistically meet those requirements.

On top of that, the fact that some banks will deny you a checking account due to a ChexSystems report or even a credit score, makes it difficult to open a “regular” bank account.

For the unbanked, and even for other purposes, it can make sense to use prepaid debit cards.

Here are the Best Ways to Use Prepaid Debit Cards

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