PerkStreet – Free Online Checking, Cash Back Rewards and More – Review

Who PerkStreet Free Online Checking is For
Sadly PerkStreet will be closing its doors for good on September 26th, 2013.  They are not accepting any new applications.  If you have money with them already then your money is safe.  For more information on PerkStreet’s closing take a look at their announcement article: http://www.perkstreet.com/announcement.aspx

We’ve done a write-up about the closure and what your next steps should be if you have a PerkStreet account: PerkStreet Financial Online Checking is Shutting Down (What Happens to My Money?)

 

Are you looking for a free checking account that offers more than just basic checking services?

How about an alternative to using a credit card for your purchases (but don’t want to carry cash)?

PerkStreet(SM)’s online checking account is not only free, but offers up a generous cash back rewards when you use their debit card.

Read on for our PerkSreet review.

PerkStreet offers the debit card that helps you get debt free.  By using a debit card for your purchases you can PerkStreet Financialeasily manage your money and budget for what you spend rather than risk the possibility of incurring credit card debt.

Their rewards checking helps further being debt free by giving you up to 25% cash back on purchases (depending on the purchase).  They offer free online checking accounts and perks like bill pay, free ATM usage, excellent rewards, easy mailed-in deposits, and more.

The premise behind the bank is to offer superior service and you can talk to a live person 24 hours a day with any questions you might have.  The company’s focus is to serve people who want to manage their money responsibly and not go into debt with offering generous rewards for debit card use.
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USAA Free Checking Review – No Fees and Lots of Convenience

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Looking for a new checking account with low fees and great customer service?

Take a serious look at USAA Free Checking.

USAA stands for United Services Automobile Association.  The firm was started in 1922 by 25 service members that came together to insure each other’s vehicles.  It is a financial services company with our nation’s military and military families at its core.  The firm has grown to serve more than 8 million members and offers a wide variety of banking and insurance products.

Being able to use USAA’s financial services is only available to the select few who have either served in the military or their family members.  This keeps the company focused on its mission and enables them to offer unique products.

If you qualify, you should definitely consider using them for your banking and insurance needs.

That said, certain products, like checking and savings, are available to everyone.  And that’s great news for you!

Why USAA Free Checking?

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What is FDIC and How it Makes Our Lives Better

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The FDIC has been in the news a lot in recent years, but during quieter times the agency and what it does are invisible to most Americans.

The closest we get to it is the sign in the bank window that says, “Member FDIC”.

The FDIC is sort of like a giant insurance company for the entire US banking industry (in fact it stands for the Federal Deposit Insurance Corporation).  The fact that we usually don’t know what it does is an indication that it’s doing the job it was meant to do.

The History of the FDIC

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EverBank Online Yield Pledge Checking and Money Market Review

If you’re tired of your bank hitting you with fees for nearly everything you do, then paying you a microscopic amount of interest to keep your money on deposit with them, you may have a viable alternative.

EverBank is an alternative to traditional banks if you’re looking to avoid excessive fees while also earning above average interest rates.

Alternative to traditional banks

EverBank is an “online bank”, which is to say that you can conduct all of your banking online without ever having the need to go into the bank itself.

It’s based in Jacksonville, Florida, has well over $13 billion in assets, and has been around since 1961 though obviously not in its online form.

The bank offers 24/7 customer service (by phone), and since it is a bank, your depository assets are covered under FDIC for up to $250,000.

As part of its online model, you can deposit checks from your home computer—all you need to do is add the deposit information into your account online, endorse and scan both sides of the check, and your funds will be available the next business day.
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ING Direct Financial Independence Days Sale – 2012

ING Financial Independence

ING DIRECT is at it again!

ING Direct Financial Independence Days SaleTo help celebrate our country’s independence, ING DIRECT is offering up some juicy deals to help you achieve financial independence.  As our country’s independence was declared in 1776, you’ll find many of the offers play of the ’76 theme.

Hurry up and check out the offers as they as are only around June 30th thru 11:59 pm ET, July 3rd.

Here are the ING DIRECT Financial Independence Days Offers:

Liberate from Checking Fees

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Benefits of an Online Checking Account

What kind of benefits does an online checking account provide over a standard checking account with a traditional brick-and-mortar bank?

Should you be enticed to try an online checking account or stick with the options in your local area?

4 Benefits of an Online Checking Account

Here are a few benefits of switching to an online checking account.

Interest on Deposits

For your average brick-and-mortar bank, offering interest on the deposits held in the checking account isn’t necessary.
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What Do Bank Routing Numbers Mean?

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Bank routing numbers, or “routing transfer numbers” (RTN’s) appear on virtually all of our checks and other demand instruments, but as common as they are most of us have no idea what their purpose is.

Occasionally we’re asked to provide our bank’s routing number—such as for direct deposit of income tax refunds—but this does little to clear up the mystery behind them or why they’re so important.

Think of it this way: each of us has a checking account number—the bank has its own identification number, and that’s the bank routing number.  That number is at least as important to the bank as our checking account numbers are to us.

Where do you find a bank routing number?

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