Virtual Bank Money Markets
Virtual Bank offers you a great money market account with them with some fine options. Money market accounts are limited accounts for money you do not need right away. You can only withdraw a certain amount per period and only write a certain number of checks against them. Therefore, if you have money you do not have an immediate need ...
Read MoreUsing Online Banking for Paying Bills
If you have been trying to decide whether to use your computer to pay all your bills instead of sending hours in line at the post office or payment center, you more than likely have many questions. Here are the advantages and disadvantages of paying your bills online. Advantages: You will have instance access to all your online accounts without ...
Read MoreTwo Different Types of Online Banking
The banking of today has gone high tech and you can hop on the wagon yourself. There are two ways of doing it which are: Computer- you can log on to any banking website through your home computer, pay bills and transfer funds to however many accounts you have. Anytime you want day or night. No more standing in long ...
Read MoreThe Do’s of Internet Banking
Here are a few security tips to make sure you do first off when you’re considering online banking: Do check the site out. Many scammers make fake websites to get your banking information. Ask your bank for their security codes. Do check on their insurance coverage so you know how much your investments are insured. Do make a strong password. ...
Read MoreThe Don’ts of Internet Banking
Remember a few things while you are banking online, especially if you’re on a public computer. DON’T have more than one browser open at a time. This gives hackers access through that browser into the one you are using for banking. DON’T give out your credit card information unless you know who you are giving it to and what they ...
Read MoreReasons to Bank Online
Technology has more or less forced us into using the internet for many things from email to banking. Many of our banks want you to go online to do most of your banking so it eases there workload at the bank. This makes it easier on you as well. Here are a few great reasons to bank online: Viewing your ...
Read MoreOpening a Checking Account Online
Opening a checking account online can be done in just a few simple steps. Then you will have access to many different options you never had before. You can view your account day or night. Here are a few steps to walk you through opening your new checking account. Shop around-see who offers you exactly what you want. Then open ...
Read MoreOnline Banking Fees Explained
There are many different banks around the world that charge differently for their fees they may take out when you are doing online banking. Here are a few ideas of what they may take fees for, but every bank is different: ATM Fee Charges Charged a Fee For a Bad Check Making an automatic or electronic bill payments May be ...
Read MoreInterest Rates with Internet Banking
Online banks offer higher interest rates than local banks and have lower fees because everything is cheaper to run online. You don’t have to worry about mailing statements or the gas to run to town. When you search online and compare banks you will see who offers you the best rates side by side. You won’t have to look too ...
Read MoreInternet Business Banking
With Internet business banking, you get to bank the way you do business – day or night, anywhere, anytime. With free, online account access through Internet Business Banking, you get better control of your banking. In fact, it is the easiest and most convenient way to manage your finances. Special features include tracking payments, tracing outstanding items, controlling cash flow ...
Read MoreInternet Banking Software
Internet Banking Facts offers software that enables users to communicate with their Bank using enhanced security features. While security has been enhanced the user is provided with an easy to use system where they can view their account transaction history, submit telegraphic transfer requests and conduct other forms of business with their Bank. The software also includes suitable accounting systems ...
Read MoreInternet Banking Services
Internet Banking Services include facilities which make managing accounts easy like never before. Now, it does not really matter whether you are in your office in New York at home in New Jersey, or on a vacation to India! You can keep track of your accounts, print balances; make payments from anywhere and at anytime! Internet Banking Services include checking ...
Read MoreInternet Banking and Free Checking
Today online banking is offering free checking to new customers. There are many different options for you with online banking. Here are a few you might be interested in using: Free Debit card Free ATM card Free Internet banking Free online bill payment Free checking with no monthly maintenance fees and no minimum balance Plus with adding to different other ...
Read MoreHigh Yield Savings Accounts with Internet Banking
Online savings accounts are funded totally online so by getting rid of paperwork and reducing all the overhead costs and fees they can offer you a higher yield annually which could be as high as 5%. Now this is way above a normal savings account. With online savings accounts you will have: The convenience of no fees No minimum balance ...
Read MoreCurrent Online Internet Banking Offers
The internet is the way of the future and for banking, it is even better. They now have almost all their services online. To get your business, they are competing with other banks by offering new deals and a lot are really going all out. Here are just a few of the offers Some banks will offer you money to ...
Read MoreConsumer Regulations on Online Banking
Here are just a couple of laws that have been put into effect to protect the consumer: Electronic Funds Transfer Act or Regulation E- This protects you from unauthorized transactions from your account depending on how soon you let your bank know of an unauthorized transaction. If it within 60 days you should receive all the money back. This is ...
Read MoreBuying Designer Checks Online
With buying designer checks online you get more a variety to choose from and find some of your favorite designs online. There are many places to get online designer checks from at great low prices. If you’re wondering what kind of checks you can get, here are a few ideas: Disney Characters Coca Cola Baseball Football Basketball Looney Tunes Curious ...
Read MoreBusiness Bank Accounts Online
There are great benefits to having a business bank account online. Here is a list of the offers you might get at the bank you are having your business bank account online with: View all of your accounts with one online ID Grant employee access for your workers Make transfers between different businesses Direct Deposits for your employees Send out ...
Read MoreBest Savings Accounts with Internet Banking
Searching around the net will be a wise decision on your part if you want to find the best deal on an online savings account. They are all almost alike except some offer you a higher yield on your investments. A few more perks with the best savings accounts online include: No service fees No Minimum balance You can open ...
Read MoreBank or Credit Union
Deciding between credit unions or banks can be confusing but here are a few things to help you decide: Credit Unions: Credit Unions are non-profit Only serves their members Each depositor will own shares in the credit union Members control it Members receive lower rates and higher savings rates and free or low cost accounts Insured by the National credit ...
Read MoreAdvantages and Disadvantages of Internet Banking
Like every other thing, Internet Banking also has its advantages and disadvantages. Below are mentioned the most popular advantages of using Internet Banking along with some unavoidable disadvantages. The advantages include Convenience – online banking sites never close; they’re available 24 hours a day, seven days a week, and they’re only a mouse click away; Portability – you now have ...
Read MoreWhat to Ask Your Lender About ARM Loans?
ARM Loans is not something to take lightly so you are going to want to find out everything you need to know. Therefore, here are a few things you should ask your lender when getting an ARM Loan: Will I know in advance when my payments will go up? Is the ARM the right type of loan for me? Will ...
Read MoreWhat is Amortization?
Amortization is something everyone who wants to go out and get a loan needs to know about. Here are some things about Amortization: Amortized payments are calculated by dividing the principal. Each payment is structured and determined with Amortized loans. Eliminate and lower payments by getting payments in on time. Amortized Loans are the same as mortgage loans. Get payments ...
Read MoreUnderstanding Loan Terms
There are different steps and terms of any loan, here are a few of them: Interest Rates: This is the extra price you will pay besides the amount of the loan. Interest rates vary on every type of loan. Fees: Fees are the different things you may have to pay for such as closing costs of the loan. Terms: This ...
Read MoreUnderstanding ARM Loans
ARM Loans are adjustable Mortgage Rate loans. Understanding the facts of an ARM loan will have you prepared when you begin taking with a lending company. Some of the facts include: frequency of the interest rate change Periodic change in the interest rate. Interest rate change in over the life of the loan. This can be called a life cap. ...
Read MoreThe Loan Process
There are a few steps about the process of loans and what you should expect: Pre-Qualification: This is where the loan guy will estimate about how much the loaner will get by what he knows. Application: This is where everything is filled out on paper. Processing the application: This is where the guy who processes the application looks everything over. ...
Read MoreThe Loan Application
When going and getting a loan at a bank or online, you need to know about the loan application and what you will need when filling one out. Here are a few tips about loan applications: Make sure to know or have a copy of your wages and all income. You will need to fill out about your employment information. ...
Read MoreLoan Scams
There are many different scammers in this world these days that will prey on the elderly or low-income people. You have to watch yourself very closely when dealing with banks you do not know personally. Especially when dealing through the internet. Several things can happen including: Requesting up-front fees First month payment in advance Never pay someone besides the lender, ...
Read MoreApplying for Loans with Internet Banking
It is so much easier to apply for a loan online these days. Especially if you do your banking with the bank you’re applying to, however, applying for a loan with internet banking is easy. Benefits of applying for loans with internet banking include: Fast application-10-15 minutes filling it out and usually a reply within 3 minutes with some banks. ...
Read MoreSignature Loans
Signature loans are a great way to get a loan if you have good credit and you will not need anything for collateral. The main reasons people look at getting signature loans are: Student Loans Remodeling your home Vacations Pay off some bills Fix up your car Great for any business wanting to get a loan as well Simple things ...
Read MoreSecured Loans
Many people get loans but they have to put up property or something of value to have as “collateral” or secure it. Here are a few loans they secure: Home Loans Auto Loans Personal Loans Equity Loans Almost any loan you get can be secured with “collateral” if it is of value. You can purchase a car, and then the ...
Read MorePayday Loans
Here are the things you will need when getting a payday loan: You must have a bank account with good standings. You will have to have a steady source of income. You will also need identification such as a driver’s license. This is what you will need to do for a payday loan: You will need to write a check ...
Read MoreNo Collateral Loan
When going to get a loan, some banks may want you to put up something for collateral, but there are loans you can get without the worry of loosing something you put up for collateral. Here is why no collateral loans are useful: No Collateral loans are a safe way to get a loan without loosing property. No Collateral loans ...
Read MoreHomeowner Loans
You have to make sure when getting a homeowner loan that it is something you must do because for things like refinancing you are putting your home on the line. If you miss payments, you could end up loosing your home in the long run. So make sure, when getting a homeowner’s loan you can afford the payments. When getting ...
Read MoreForeclosure Loans
When you purchase a home and something happens where you are unable to make your payments for a period of time then your home will be placed in foreclosure. If you are able to catch it fast, you may be able to prevent it. The one thing you must not forget to do is talk to your lender. If you ...
Read MoreDebt Consolidation Loans
Debt Consolidation Loans are mainly used for when credit card bills become a mess and when you have a problem paying them off cause of the interest rates on the credit cards. Before getting a Debt Consolidation Loan, there are few things you should ask about before getting one such as: Ask about what fees will be applied to the ...
Read MoreAuto Loans
When you are going to buy a new or used car, you should remember a few things before you head out. Finding a bank to pre-approve you first Get great rates on interest Try to use your own bank where they know you Have your mechanic look the car over before purchasing it Get all the warranty information if any ...
Read MoreSecond Mortgage Loans
A second mortgage is another loan on the same property as the first loan. If ever a loan that has more than one mortgage on it and it is not paid off, then the first mortgage is paid first. You can have more than one loan on one property but the more you have the higher interest rate and the ...
Read MoreWhat to Expect at Closing?
One part of the loan process is the end of it called the closing. This is where you need to expect the unexpected at this point of getting a loan. Here is what you should be ready for when you get to this point: Expect that they might say you are approved for the loan. Expect that they might deny ...
Read MoreWhat Costs to Expect at Closing?
When going out and getting yourself a loan there is a part of the loan process called closing that will have you paying costs. Here are some things that you will have to pay during closing. Costs for closing the loan itself Application Fees Costs of Credit Processing Title Costs Insurance Costs Points Cost These are some costs of the ...
Read MoreHome Loan Basics
Home loans can be hard to understand without knowing the basic facts of how home loans work. By not knowing the facts, your credit or your bank account can be hurt badly. Here are some of the basics you need to know when getting a home loan: Make sure you do the right kind of home loan that fits you. ...
Read MoreFees Associated with Home Loans
Home loans are great to get for anyone, but you need to know about the fees that apply to getting a home loan. Here are some of the fees that may apply to you and your loan: You may have to pay for fees on points. There are closing fees to pay. Fees to pay for applying. Fees to pay ...
Read MoreThe Pitfalls of a Sub Prime Mortgage Loan
There are pitfalls to getting a sub prime loan and you should be aware of them at all times. Here are a few pitfalls to sub prime mortgage loans: Sub Prime Mortgage loans come at higher interest rates. You might be approved for loans that the lender knows you will not be able to pay back which will put you ...
Read MoreShould I Apply for a Fixed Rate Mortgage?
Fixed mortgage rates are something millions of people are going for today. Knowing if you should apply, means looking over everything about the mortgage loan. Here are some facts to consider about fixed mortgage rates: This is affordability for everyone Increased home ownership This is a way to refinance your home A good option for future stability Fixed mortgage rate ...
Read MoreMortgage Loan Tips
When getting a mortgage loan there are things you must look at: Make sure to find out everything about the property you are looking to buy. Make sure you double check the price of the home to make sure it is worth what you are buying. Make sure to have your most recent pay stub Make sure to have a ...
Read MoreIs Foreclosure the Answer?
Foreclosure is something no one wants to go through. Foreclosure is something you need to know about at all times: Foreclosure happens when payments are not made after a certain amount of time. There are ways to stop foreclosure, but you have to learn what you can do. Foreclosure is something you do not want to happen to you and ...
Read MoreIs a Second Mortgage Necessary?
Second mortgage loans are something to think about before going out and getting the loan. You need to ask yourself many things before getting one. Here are a few things people get second mortgage loans for: To get home improvements on your house. Pay off student loans. Pay off debts so you can get back on track with regular payments. ...
Read MoreInternet Banking and Mortgages
Going online with your banking these days can even you more freedom. You don’t just have to have a savings account anymore. You can now do your mortgages as well as all your other banking. There are so many advantages to this too including: Every online mortgage company and bank will compete for your banking by offering you lower rates. ...
Read MoreWhat is Credit Scoring?
When people look at your credit report to determine your credit score they look at the following things and compare them to other consumer’s reports to determine points for your credit score. This will help them determine if you will repay back your loan or not. Here are the things they look for: Bill Paying History Different types of accounts ...
Read MoreWhat is a Credit Profile?
There are different things that your credit profile may include such as: Identity Information Your Employment information The information for your credit Your public records information It will also show inquiries Now, there are things that will not be shown on your credit profile such as: It won’t show your race Your Religion Nothing about your health No Driving or ...
Read MoreShould I Get a Credit Report?
There are very good and important reasons to look at your credit report. It has been said to check your credit report about every 18 months to make sure everything is in check. Here is a list of reasons why you should get your credit report. When rejected for a loan, check your credit report yourself to see why. Check ...
Read MoreRepairing Your Bad Credit History
Repairing your credit is a major step if you want to get a home loan or any other type of credit. Do not keep applying to loan companies thinking one of them will hold the golden key to giving you a loan because all you are doing is lowering your credit score. Every time a company checks your credit, you ...
Read MoreOnline Credit Reports and Identity Theft
You can now get your credit report online from the major credit agencies. You can look it over and see what all has to be fixed or not. What your score is and everything you need to have good credit. Especially look for: Review public judgments, collections, child support, and bankruptcy. The bureau needs to update these if they are ...
Read MoreNonprofit Debt Consolidation
A nonprofit debt consolidation service provides help to individuals who need counseling on their bills. These services are provided free of charge to the individuals. The nonprofits debt consolidation will help you achieve financial freedom. Here are a few guidelines to help you choose one: The counselor will budget everything for you including your income They will gather all your ...
Read MoreManaging Credit Problems
When trying to get a loan for that hot car down the street or for a new house to start a family and you have bed credit it can be tough. There are a few things to know for helping yourself manage your credit problems such as: Make a budget for paying your bills so you can get on a ...
Read MoreHow to Get Out of Debt?
There are a number of ways to get your life back on track if you are heavily into debt. There are several options to help but it takes time to do it. Here are a few ideas for you to consider: Debt counselors- they will sit down and go over your bills and get you on a budget Debt Seminar- ...
Read MoreFair Credit Reporting Act (FCRA)
Anyone who has applied for a credit card, a loan or even a job there is a file with your name on it that tells everything about you. The Consumer reporting Agencies sell this report to other companies. Usually it is to the credit bureaus. The Fair Credit reporting Act is enforced by the federal trade Commission to guarantee the ...
Read MoreConsumer Credit Counseling Services
Going to a consumer credit counseling service will help you get your debt more manageable to your income ratio. You have more bills coming in than you do income and you need their help. They will help you by doing the following: Reducing Interest Rates Stopping Collection Calls Consolidating Payments Providing personal solutions Starting a plan of action The consumer ...
Read MoreApplying Online for Credit
More and more Americans are applying online to get credit. It does not matter if you are applying for an auto or home or just credit cards. The percentage has gone up 100% in the last several years as more and more banks get online. Here are a few things people want to know first: What information will I need ...
Read MoreAmerican Express Small Business Credit
American Express is one of the leading credit card companies and now they are offering small business credit to many people just starting their businesses. They are here to help you run your business as smooth as it can run. They offer four different small business credit cards to choose from to suit your needs. These are: Business Gold rewards ...
Read MoreUnderstanding Credit Card Terms
Knowing about credit card terms is something you need to know to help you decide if you are ready to get a credit card. Here are the terms you generally find with most credit cards. Average daily Balance: This is the daily balance on your credit card Annual Percentage Rate: This is a rate you pay with each purchase you ...
Read MoreUnderstanding Credit Card Fees
Credit Cards can be a good thing; however, they also place people in debt. Understanding all the fine print about your own credit cards and why various fees are applied should help you control your spending. Credit Card Facts: You will get charged for the interest rates Get charged for late payments. You also get charged a cash advance fee ...
Read MoreInternet Banking and Credit Cards
Any bank you sign up with online will give you the option to transfer your credit cards to there’s for a lower fee. This way you can keep everything “under one roof” so to speak. This is a good idea if you have a lot of credit and many accounts. They sometimes give your rewards to make your transfer easier ...
Read MoreHow to Apply for a Small Business Credit Card Online?
Getting a credit card when you have a small business is a lot easier online than most people think. You can find out in minutes whether you are approved and have the card within days. Here are a few things to consider if you want to apply for one: Small Business credit cards keep it separate from personal Easy Itemization ...
Read MoreEliminate Credit Card Debt
You will want to get rid of your credit card debt as soon as possible and at the cheapest cost to you. Here is a quick way of doing just that: List your cards, the balance, interest rate and the minimum payment Arrange your cards so the highest is at the top Add the minimum payment for all the cards ...
Read MoreCredit Card Terms
When applying for a credit card you will be starting your first line of credit with them. You want to keep in good standings with them because they report to the credit bureaus. Here are a few other terms you should know: Average daily balance: this is how they would calculate your payment. Balance transfer: this is where they move ...
Read MoreSecurity Tips to Protect Your Privacy
Security is always a concern while online. Check with your bank and see what they have to offer you. But here are a couple things to watch for while online: Look for a padlock: When you are on a secure site your computer should show a padlock in the bottom corner of your browser. This will tell you they are ...
Read MoreProtecting Your Privacy
Your privacy is your number one concern when you’re banking online. Here are a few things to remember: Your information: The information you give to the banking institution may be shared with other institutions. Like your average balance or how many checks your write. Find out what they collect: You can find out what kind of information they collect that ...
Read MoreInternet Banking Protection
Internet Banking offers convenience, ease of managing bank accounts like never before. Gone are the days, when you had to rush to the nearest branch to check balances and track payments. With Internet Banking, all that is available from the comfort of your favorite chair in office or at home! But with all this comfort, Internet Banking protection becomes even ...
Read MoreInternet Banking Fraud
Internet Banking Fraud is a scam or theft committed using online technology to illegally take money from a bank account and transfer money to an account in a different bank owned and operated by the hacker. Internet Banking Fraud is a form of identity theft and is usually made possible through techniques such as phishing. Even with the convenience and ...
Read MoreHow Cookies Might Affect your Privacy
Online banking can be a lot easier but you might have some worries as well. Here are a few things to consider: Cookies: a cookie is put onto your computer from many sites to track your usage and gather information without your knowledge at times. While others will tell you they will be placing a cookie on your computer. You ...
Read MoreWhat is ING DIRECT?
You might be wondering what is so wonderful about ING savings accounts and the answer is here: High interest rates where you can receive a variable of 4.50% percentage rate No Minimum balances required to open your savings account. No Fees No Service Charges No Penalties 24 Hour Access to your account Safe and Secure and its FDIC insured. Each ...
Read MoreWhat is a Gas Card?
Having a gas card is something many people are doing now with the price of gas going up and down all the time. Here is what a gas card is and does: Gas Card is like a credit card, but it is for getting gas. You get different percentage back every time you use your gas card. Some gas cards ...
Read MoreUnderstanding Underwriting
There are many steps to the loan process and one to know about is the underwriting of the loan process. Here is what you need to know about underwriting: The underwriter looks to see if the processor thoughts on the loan are right. They will determine if they need more information for the loan or not. The underwriter will determine ...
Read MoreHow to Avoid Bank Charges
There are ways out there you can use to avoid being hit with them big bank charges that may come your way when banking. Here are a few ideas of how to do so: Make sure to keep money in the bank at all times cause the worst bank charge to have is No sufficient funds in your account. To ...
Read More