Best Bank Deals - Hot Deals, Low Fees

Bank Deals 2009

2009-06-30T10:41:00.000-07:00

There have been a lot of great deals offered by banks thus far in 2009, and there are a lot of great deals to come. If your just joining us, banks offer these deals to attract new business and it can be expensive to acquire new customers, and each customer is profitable, hence the amazing offers they put out.

I found a new site that posts a lot of great bank deals that can really help you when your looking at switching banks or looking for a great rate.

Until I post some new deals, you might want to check out the new Chase Bank platinum card that has a 0% intro APR for one year and no annual fee. The 0% applies to purchases AND balance transfers, making this an excellent find for doing a balance transfer and saving a whole lot of money over the next 12 months, at which time you can find another 0% card to transfer the balance to.

Microsoft offering 35% off eBay purchases

2008-06-16T15:36:00.000-07:00

Make an elligible purchase at ebay and you can get 35% off thanks to Microsoft.

You have to purchase an item using the Buy Now button!

To take advantage of this offer, you must follow a link in the microsoft search results. The image to the left shows the search result advertising this amazing deal.

Look for the ebay advertisement with a logo saying "35% cash back" on this search result page: http://www.fatwallet.com/redirect/bounce.php?afsrc=1&url=http://search.live.com/results.aspx?q=nintendo+wii&form=QBRE

Hurry, though, this offer is not going to last long!

You can get up to $250 back! For example, buy a laptop for $800, and you pay $550 on an already marked down loaptop! wow!

This is the best deal you are going to find this month, so I really recommend you make that big ticket purchase you have been holding out on.

Remember, you MUST follow the link from the search results. When you arrive at ebay, there will be a very small image at the top (shown below) showing that you are still in the 35% off browsing session. Before payment, you will be alerted of the purchases elligibility! Time to get some new emo gear!

$50 Cash Back - Chase Freedom

2008-06-15T13:53:00.000-07:00

Get $50 cash back after your first purchase with the new Chase Freedom rewards credit card.

http://www.chasefreedomnow.com/home/

You also get 3% cash back or 3 points in the three categories where you spend the most (there are over 15 including Gas Stations, Grocery Stores, and Department Stores)

For every other purchase, you can earn 1 point or 1% cash back.

You receive the $50 cash back after your first purchase which is credited in bonus rebates which can be converted into a $50 check. See site for more details.

This is a good deal, and an awesome credit card. It's also one of the only cards I have chosen over the last year.

An Alternative to Payday Loans

2007-06-16T13:29:00.001-07:00

We all know how friendly pay day loan company's are, and how they are so willing to help anyone in financial trouble. But there are alternatives to pay day loans.

The interest rates offered by pay day loan company's makes a credit card company look like a not-for-profit organization. And those who offer no checking account pay day loans can be even worse.

So what can you do instead of a pay day loan? Some banks offer "Overdraft Privilege" or similar programs. These allow you to pull out $300 or more from your checking account, through an ATM... Even if you don't have the money in your account. So let's pretend that you have 10 cents in your checking account, and you have to make your $250 car payment. Your getting paid in a week and you'll easily be able to cover the car payment. So, you pull $300 out of your checking account, resulting in a $25 overdraft. You pay the car payment, and within 30 days (hopefully within a couple days!) you deposit $325 into your checking account, bringing your checking account back to 10 cents, and saving you from a late payment on your car! The same loan would cost over $50 for a 14 day loan from a pay day advance company, and you have 30 days to repay the loan to your bank, as opposed to the company's 14 days.

Some lenders will allow you to pay a small fee in order to make a late payment, and the late payment will not show upon your credit history, making it to where you could avoid the payday advance, and where you would not need a checking account with overdraft privilige.

If you must use a payday advance, find the lowest interest rate possible. Average interest rates for such loans is about 400% APR. Only borrow as much as you can safely pay back, with interest, on your next payday, while still being able to make it to the following payday. DO NOT get caught in the act of using pay day advances, they should not be use more than once every 2-3 years.

Stop Paying for ATM Fees

2007-06-16T13:20:00.000-07:00

If your someone who always need to use an ATM, the $10-$20 a month your saving at your current bank is not as much as you think. You may have caught an awesome deal on your bank account, or so it seems. But are you still paying to use other banks atms?

Many banks, such as Wachovia, now offer free use of ANY banks ATM's.. The money you save by not driving around looking for your banks ATM could add up to more than the $10 your currently saving at your bank. ATM charges are usually $1.50 - $3.00, but if your like me and use an ATM 10 or so times a month, the gas saved searching for your ATM can be much more than the $1.50-$3.00 charge you avoided.

My current bank will pay ANY ATM withdrawl. I have withdrawn money at a casino ($10) and had the charge refunded to me. Clubs, casinos, and many places will charge outrageous amounts to use their ATM, and when you have a bank that will reimburse you, the savings throughout a year can be tremendous.

So shop around if you need to use ATM's a lot. Wachovia, Century Bank, and Citibank all have / or have had promotions in which you can use any atm.

$50 Bonus - First National Bank of Omaha

2007-06-13T00:35:00.000-07:00

Receive a $50 Gift Card of your choice from First National Bank of Omaha when you open a Rewards Advantage Platinum Edition Visa. You will also receive a 0% APR on purchases and balance transfer for your first 9 billing cycles. Check the link below for more information.

Features:

Earn a $50 Gift Card when you use your card within the first 3 billing cycles after your account is opened.**
Generous annual point cap of 75,000 points and 5 year point expiration.^†
Earn 1 reward point for every $1 in purchases with the freedom of no annual fee.^†
FREE online access to view transactions, pay your bill, view up to 48 prior statements and more!

Terms:
*For additional information about rates, fee and other costs, see the Summary of Credit Terms.
**In order to qualify for the additional 6,000 bonus points, which qualifies you for a $50 gift card, a purchase, balance transfer or cash advance must post to your account within the first three billing cycles after your account is opened. See the terms document for additional requirements and offer details.
Complete details, including restrictions, limitations and exclusions, will be provided in the terms and conditions when you become a Cardmember.

Link to the Deal on the First National Bank Of Omaha's Website:
Click here to visit

Wells Fargo Visa Platinum Credit Card

2007-06-13T00:01:00.000-07:00

Open a new Wells Fargo Visa Platinum Card and you could (depending on certain factors, namely your credit score) receive 0% APR for 6 months, and no balance transfer fees for 6 months. The APR can be as high a 5.9% if you do not qualify.

Terms
Please see website below for all terms.

Fee information:
Transaction Fees for Cash Advances:
4% of the amount of each ATM advance or advance through the Wells Fargo Online® banking program or customer service ($5.00 minimum).
4% of the amount of each SUPERCHECKS^TM advance ($5.00 minimum).
4% of the amount of an advance obtained in person at a participating financial institution ($10.00 minimum).
4% of the amount of each advance through any other source ($20.00 minimum).
Transaction Fees for Overdraft Protection Advances:
$10.00 if the total of overdraft protection advances for the day is $25.00 or less;
$12.50 if the total of overdraft protection advances for the day is $25.01 - $100.00;
$15.00 if the total of overdraft protection advances for the day is $100.01 - $500.00; or
$20.00 if the total of overdraft protection advances for the day is greater than $500.00.
Balance Transfer Fee: The fee is $0 for the first 30 days the account is open and after that, 3% of the amount of each balance transfer, but not less than $5 or more than $75.
Late Payment Fee: $20 on balances less than $250; $29 on balances of $250 - $999.99; and $39 on balances of $1,000 and over.
Over-the-Credit-Limit Fee: $35

Link to deal on Wells Fargo
Deal Link 1
Deal Link 2

Bank of America 0% APR Offer Warning

2007-06-12T23:52:00.000-07:00

When you open a an account with bank of america using one of their 0% offers (in order to collect interest for a year), be aware that you are still charged interest on your transaction fee. The interest could push you over your credit limit, so be sure that you won't go over your credit limit when doing the balance transfer.

Citibank AAdvantage Credit Card - $300 gift card

2007-06-11T11:05:00.000-07:00

Get 20,000 AAdvantage bonus miles when you open a Citibank AAdvantage World Mastercard, Citibank AAdvantage American Express, or Citibank AAdvantage Mastercard and spend your first $750. Furthermore, if you spend over $10,000 your first year you will get another 10,000 bonus miles, and if you spend over $10,000 your second year, you'll get another 10,000 bonus miles! See the link to Citibanks website below.

There is also no fee for the first year.

Features:

Earn 1 American Airlines mile for every $1 spent on purchases⁴
No blackout dates on award travel, and miles will never expire
Travel to select destinations for fewer miles with Reduced Mileage Awards
Earn miles for award travel on American Airlines or over 20 top airlines, for stays at hotels worldwide, and for car rentals
Premium Hotel Program, with room upgrades, early check-in, late check-out and special offers
Enjoy car rentals, cruises, spa offers and more

Terms:
This American Airlines AAdvantage® mileage offer is only valid for new Citi® / AAdvantage® accounts applied for by November 30, 2007, and excludes any other Citi® / AAdvantage® credit cards offered. To qualify for the AAdvantage® bonus miles, you must make $750 in purchases with your new Citi® / AAdvantage® card within 4 months of becoming a Citi® cardmember. The 20,000 AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met these purchase requirements.

10,000 American Airlines AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after you have made $10,000 in purchases in your FIRST year as a Citi® / AAdvantage® cardmember. An additional 10,000 American Airlines AAdvantage® miles will appear as a bonus in your AAdvantage® account 8-10 weeks after you have made $10,000 in purchases in your SECOND year as a Citi® / AAdvantage® cardmember.

As of May 1, 2007, standard variable APR for purchases–18.24%; standard variable APR for cash advances–23.24%. However, if you default under any Card Agreement, Citi® may automatically increase the rate on balances (including promotional balances) to a variable default rate of 32.24%. The annual fee for the Citi® Platinum Select® / AAdvantage® World MasterCard®, the Citi Select(SM) / AAdvantage® American Express® card and the CitiBusiness® / AAdvantage® MasterCard® is $0 for the first twelve months and $85, $85 and $75, respectively, thereafter. Minimum finance charge–$.50. Foreign purchase transaction fee–3% of purchase amount after its conversion into U.S. dollars. Cash advance fee–3% of cash advance amount, $5 minimum. Balance transfer fee for the Citi® Platinum Select® / AAdvantage® World MasterCard® and the Citi Select(SM) / AAdvantage® American Express® card–3% of balance transfer amount, minimum $5. Balance transfer fee for the CitiBusiness® / AAdvantage® MasterCard®–3% of balance transfer amount; minimum $5, maximum $50.

Link
Click here for Citibanks website

Add your own bank deals

2007-06-06T12:16:00.000-07:00

Do you know of a great bank deal? Post that bank deal up and we will re-post it for you! Our bank deals are submitted by readers like you, so if you know of a bank deal in your area, we would be glad to post it so others can benefit from it. You can add a tip by posting a comment with a link to the deal. If you have a referral link, we have to problem posting those as a way of saying thanks. Most sites will not allow you to use your referral link, but we do as there is no reason not to give something back to you!

Consolidation Your Debts

2007-06-03T16:48:00.000-07:00

When looking for bank deals, those with good credit will get the better deals offered to them. If you have outstanding overdrafts, have missed payments on a loan, and have found yourself in debt, it may be time to consolidate that debt.

For more information on debt consolidation and debt relief, check out these sites:

Get a bank overdraft waived!

2007-06-03T14:13:00.000-07:00

Getting bank overdraft charges can get very expensive, very quickly. For those with student checking accounts, or a business account, bank overdrafts are more easily waived. If you do not overdraft your account very often, banks will gladly refund you all or part of the overdraft fee if you try hard enough. If you are one who does get many insufficient funds charges, it may be hard or impossible for you to get an overdraft charge waived.

When you contact your bank regarding an overdraft, it's important to have a good documentation of your account history in front of you. Inform the rep that you talk with that your account has been in good standing for many months or years and let them know that you are a valuable customer. If your account had been in good standings for a good period of time, banks will usually waive 1 account overdraft a year for you. Bank of America has waived about 1 a year for me as I only overdraft when there is an un-expected charge coming through and I get the account back into the positive the instant I notice the charge. It's usually best to call them after you have paid the overdraft as they will know you can cover the overdraft and your calling on the principal of the matter.

Did you know that banks run your charges in a way that will cause the most overdrafts to occur? Banks will process the largest charges against your account and then the largest deposits. So for example, if you $1200 rent check went through, than a $50 charge from a gas station, a $20 charge from a restaurant, and then a $400 car payment, they would process the $1200 rent check, the $400 car payment, the $50 charge from the gas station, and lastly the $20 charge. If you only had $1400 in your account, this would result in the most overdrafts possible. Banks claim that this is to keep your larger expenses from bouncing and not being paid, but in reality it is to make the most overdrafts occur.

Most bank overdrafts do not incur interest and many banks offer overdraft protection and overdraft privilige programs which can provide you with a sort of pay day loan without the high interest. For example, Century Bank only charge $25 for an overdraft, and you can overdraft up to $300 in cash from a Century Bank ATM if the need arises, saving you the HUGE interest rates of pay day loan services.

$25 bonus when you open Salem Direct eOne Account

2007-05-26T13:01:00.000-07:00

$25 Bonus Details
Not only do you get a $25 bonus from Salem Direct when you open an eOne account with direct deposit, you could also get a 6.01% APY. This bonus is available nationwide and bonus should be deposited within 60 days of account being opened. See APY Structure for 6.01% APY details. Link to offer on salem bank's website is below.

Features:
No Monthly Fee, no minimum balances, Free ATM usage at any bank anywhere anytime, Unlimited checking atm and debit card transactions, free $25 bonus when you open an account!

APY Structure:

$0-$9,999 (5.00%)
$10,000-$24,999 (5.10%)
$25,000-$49,999 (5.20%)
$50,000-$99,999 (5.20%)
$100,000 or more (6.10%)

Terms:
*Salem Five will never charge a fee for ATM transactions conducted at non-Salem Five ATMs, and we will reimburse the fees other banks charge up to $15 per statement cycle.Earn up to 6.10% APY (Annual Percentage Yield) for the first 60 days and 5.30% APY thereafter on average daily balances of $100,000 or more. Earn 5.00% APY on average daily balances of $0-$9,999, 5.10% APY on $10,000-$24,999 and 5.20% APY on $25,000-$99,999. Minimum balance to open this account online is $100.00. The rate may change after the account is opened. The APY is accurate as of 5/2/2007.$25 bonus is an interest credit to be posted to your account within 60 days of initiating a recurring direct deposit such as payroll or social security payments. The recurring direct deposit must be initiated within 90 days of account opening. Limit one bonus per person. Account requires eStatements. This offer is not available at Salem Five branch offices. Consumer accounts only.

Link:
http://www.salemfivedirect.com/

NetBank up to $250 bonus when you open CD, Checking, and money market

2007-05-26T11:31:00.000-07:00

Netbank $250 Offer:
NetBank is offering one of the biggest bonuses as of yet. If you open a CD, checking, and money market account with NetBank, you could get a $250 bonus!

To qualify, you must meet the terms and open and fun the CD ($100 and up to a 5.35% APY), the Checking Account ($75 and up to a 2.00% APY), and a Money Market ($75 and 4.50% APY). After opening all 3 accounts, you would qualify for the full $250 bonus, though you could open any combination and still get a very large bonus.

Features:

High APR/APY
Large Bonus
Trusted Bank

Terms:
1Offer subject to change and may be withdrawn at any time. This reward is available only to first-time NetBank® customers. One reward per account type (checking, money market or CD) per customer and the customer is eligible to receive all three rewards. Each offer is independent of the other. To receive the entire reward in connection with the promotion the customer must open all account(s) at the time of the initial application. And, the customer must apply using the links on this promotional page. Customers have up to six months after the account(s) is opened to meet minimum balance requirements. For checking accounts, a minimum average daily balance of $500 must be maintained for one month. For money market accounts, a minimum average daily balance of $1,000 must be maintained for one month. The minimum CD deposit amount is $15,000 or $10,000 or $5,000 and the minimum term is 12 months. Accounts will be rewarded within 30 days after all qualifying criteria are met.All new accounts are subject to NetBank's credit approval, account opening procedures, standard account terms and disclosures for that account. Unfunded checking and money market accounts are automatically closed 90 days after the date the application was approved. Unfunded CDs are automatically closed 30 days after the date the application was approved. In order to facilitate the rewards to the customer’s account or to .satisfy partner audit requirements, certain personal information will be shared between NetBank and Drugstore.com. See our Privacy Policy.2Annual Percentage Yields (APYs). Checking: NetValueSM Checking - 0.75% and SuperValueSM Checking - 2.00%. Money Market: Average daily balances up to $9,999 earn 3.05% APY; $10,000-$24,999 earn 3.75% APY; $25,000-$74,999 earn 4.05% APY; $75,000+ earn 4.50% APY. Earn our highest money market yield for 6 months, then earn the corresponding rate based on your account's average daily balance. CDs: 12 Month CD - 5.35%; 18 Month CD - 5.40%; 24 Month CD - 5.30%; 36 Month CD - 5.28%; 48 Month CD - 5.25%; 60 Month CD - 5.20%. APYs are as of 05/22/2007 and may change before or after the accounts are opened. There is no minimum balance required to earn the stated APYs on Checking and Money Market accounts. Fees could reduce earnings on the accounts. For money market accounts, an excess usage fee of $10.00 is charged for each check paid in excess of three during a statement cycle and for each withdrawal in excess of six per statement cycle. For CDs, there is a penalty for early withdrawal. See our Fee Schedule and Truth-in-Savings

Link to the offer on NetBanks Website:
http://www.netbank.com/pro383.htm

Bank Of America Offer Code

2007-05-26T01:23:00.000-07:00

I have a lot of people asking me for bank of america offer codes. There really are not any "offer codes" per say. They do have many great offers from time to time, which you can find right here at Bank Deals, but they don't have any offer codes or "promo codes". Check the main page for some great bank of america offers.

So what are these offers I speak of? Most banks offer, from time to time, special promotions to encourage consumers to bank with their company. Offers range from low interest car loans, to low rate mortgages, to cash money in your pocket when you open an account.

The easiest ways to find these deals is with Bank Deals. We frequently publish these offers to help our viewers select the bank that is best for them. You wouldn't buy a house without shopping around first, so don't just open an account at a bank because your friend has an account with them, or a branch is next door to your home. Finding a good bank that is a good match for you isn't easy, but Bank Deals makes it a little bit easier for you.

So go ahead and check out our Bank Of America deals!

BankUnited Saving Account - 5.35% APY

2007-05-25T16:28:00.000-07:00

BankUnited is offering a 5.35% APY to all new customers who open a Savings Account and fund the account with at least $5,000. See link below to Bank United website for more information

Features:

Free Online Banking
No Monthly Maintenance Charges (subject to low $5 minimum balance)
No Fees
Great Interest Rate
FDIC Insured

Terms:
Internet offer only. Personal accounts only. Offer subject to change without notice. This account is subject to transaction limitations, please see your Depositor's Agreement Terms and Conditions for additional information or click here for more information about this product. *The Annual Percentage Yield (APY) is accurate as of 12/15/06. Rates may change after account is opened. Fees may reduce earnings. Minimum balance required to obtain the stated APY is $5,000. **No monthly maintenance fee with minimum daily balance of $300. ***Monthly maintenance fee if balance falls below minimum is $5. New money only.

Offer on BankUnited's Site:

http://www.bankunited.com/moneytreesavings/

Bank Deals

2007-05-23T12:00:00.000-07:00

Finding the best bank deals can be hard. With Bank-Deals.blogspot.com, we do all the work for you. We help you find the cheapest interest loans, the highest yield bank checking and savings accounts, and the cheapest fees accounts. For those of you who are overdraft happy, like me, we publish the lowest overdraft fees, banks offering overdraft protection programs, and tips for getting those pesky overdrafts waived.

We also publish bonuses that banks are willing to give you just for opening an account. For each new customer, a bank spends an average of over $100. So, to get you to work for them, they will offer you sometimes over $100 just to open an account, and also give you money when you refer a friend. These deals can be found here.

So, if you want the highest APR (annual percentage rate), or the highest return on your CD (Certificate of Deposit), than stick around and check out what we have to offer.

Are Bank Deals not your thing? We also publish credit card deals. From bonuses just for opening an account, for no interest term credit cards, we have you covered. Looking for the lowest rate? We've got you covered. Looking for the best rewards program and bonuses? We still have you covered.

I hope you enjoy this resource as much as we have enjoyed making it for you.