Rates Current as of Thursday February 09, 2012

Account Agreement

The contract governing your open-end credit account, it provides information on changes that may occur to the account.

This entry was posted on Saturday, October 11th, 2008 at 6:40 pm and is filed under Glossary. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

No user commented in " Account Agreement "

Follow-up comment rss or Leave a Trackback

Similiar Content You Might Enjoy

Advantages of Short Term CD Rates

There is general relationship between the term or maturity of a bank CD and the interest rate, the shorter the term the lower the CD interest rate. The short term of these CDs can be utilized to take advantage of changing markets. By giving up extra yield by placing your funds in a short term CD

Special CD Rates in Vermont

The best one year CD rate in Vermont has an interest rate of 3.00% APY. Lake Sunapee Bank, headquartered in Newport New Hampshire, is offering this rate on their 11 month CD special. Lake Sunapee Bank is a federally chartered savings bank. Lake Sunapee Bank is a thrift institution and the sole operating subsidiary of

Stable CD Interest Rates June 7, 2010

Bank certificate of deposit rates were little changed for the week ending June 4, 2010. Based on the most recent survey of CD interest rates performed by Selectcdrates.com, the average rate for all bank CD maturities measured were unchanged with the exception of the two year term. The average yield on the short

Magnetic Ink Character Recognition

MICR. A special type of ink which enables special characters printed in magnetic ink to be read and input rapidly to a computer.

What are retail money market funds?

Retail funds are money market mutual funds that are offered primarily to individuals. Retail money market funds hold around 60 percent of all money market fund assets.

What role do boards play in overseeing money market funds?

A money market fund’s board of directors is primarily responsible for ensuring that the fund complies with the SEC’s conditions to limit risk in the fund’s portfolio. The board establishes written guidelines and procedures reasonably designed to stabilize the fund’s $1.00 NAV. The board also must exercise adequate oversight through periodic reviews of

CD Rates and Credit Card Rates Hold While Mortgage Rates Rise January 23, 2012

The equity markets have started 2012 on a very upbeat note which is putting some pressure on interest rates to finally move higher. As the week ending January 20th came to a close, mortgage rates worsened by a good margin while CD rates and credit card rates were kept in a holding pattern. The stress

Georgia CD Rates at The National Bank of Georgia

The National Bank of Georgia is Georgia based bank headquartered in Athens, Georgia. The National Bank of Georgia has two offices, one in Athens and one in Gainesville. The bank first opened for business in 2000. The National Bank of Georgia offers a full range of financial products and services to meet a variety of personal

Bank Note

A term used synonymously with paper money or currency issued by a bank. Notes are, in effect, a promise to pay the bearer on demand the amount stated on the face of the note. Federal Reserve Banks are the only institutions authorized to issue bank notes.

Why would a store that took my check to pay for some items want to convert my check into an electronic check conversion?

Electronic check conversion is a process in which your check is used as a source of information–for the check number, your account number, and the number that identifies your financial institution. The information is then used to make a one-time electronic payment from your account–an electronic fund transfer. The end result is that

Massena Savings and Loan

Massena Savings and Loan has been in operation for over 75 years in New York state. Massena Savings and Loan serves the people of the North Country New York including Massena, New York and its surrounding communities. Massena Savings and Loan has been FDIC insured since October 14, 1949. The bank was established on January

CD Rates in Illinois with Glenview State Bank

Competitive certificate of deposit rates, mortgage loan rates and auto loans rates are just some of the consumer bank products offered by Glenview State Bank. Glenview State Bank is an Illinois based bank founded in 1921. The bank manages eight bank branches with its main office located in Glenview, Illinois. Glenview State Bank is a wholly owned

Certificate of Deposit Interest Rates April 12, 2010

Certificate of deposit rates were down for the week ending April 9, 2010 across all maturities according to the most recent CD rate survey performed by SelectCDrates.com. National CD rates were lower for all of the terms measured in the survey though the short term, 6 month CD rates, were down by only a very modest

Best Two Year and Five Year CD Rates in Texas

The highest CD rates for two year and five year terms in Texas are offered by Capital One Bank. Capital One Bank has an ad running in the San Antonio Express-News marketing the rates on their 14 month, two year and five year CDs with promotional copy that reads, “give your money what it craves

CNBBankDirect Savings Rates and CD Interest Rates

CNBBankDirect is a division of Citizens National Bank based in Ohio and offers some of the best CD interest rates and online savings account rates available nationally. Not only does the bank offer bank savings rates that are among the top ten highest bank rates available but the bank is often not recognized for

CD Rates in Georgia to Head Lower

The FDIC announced the closure of six more banks on Friday. Greater Atlantic Bank based in Virginia, Benchmark of Illinois, AmTrust Bank of Ohio, The Tattnal Bank based in Georgia, First Security National Bank based in Georgia and The Buckhead Community Bank in Georgia were all declared insolvent by the FDIC. These bank closures bring the

I cashed a check at a bank. It charged me a fee because I don’t have an account there. Is this legal?

If a national bank agrees to cash a check for a noncustomer, it may legally charge the presenter a fee. There are no limitations on the fee amount. If you think the fee is excessive, you may want to open an account with the bank, or cash your check at another institution with

Office of Thrift Supervision – OTS

A bureau of the Treasury Department established in August 1989. OTS has the authority to charter federal Thrift Institutions and serves as the primary regulator of approximately 2,000 federal and state chartered thrifts.

California CD Rates at Golden State Bank

Golden State Bank previously known as Golden State Business Bank is a state chartered commercial banking institution in California. The bank opened its doors in 2003. Golden State Bank has two bank branch locations in fast growing San Bernardino and Orange County. Golden State Bank provides banking products and services in California that includes checking

My bank paid my largest check first and then the smaller ones. Doing so created more overdraft fees on my account. Why did the bank pay in this order?

You may write your checks in numerical order, but that doesn’t mean the bank will post them that way. The same is true with point-of-sale or other electronic transactions: They don’t necessarily post in the order in which you made the purchases. When several items come to the bank for clearing, it can choose to

CD Rate Updates

CD Interest Rates Mildly Lower January 30, 2012

In the most recent survey of bank CD rates conducted by Selectcdrates.com, CD rates slumped slightly compounding last week’s similar dip. The average yield on the Selectcdrates.com CD rate index moved down to 1.081 percent from an average rate of 1.087 percent found in the previous rate survey. The Selectcdrates.com index covers the top ten [...]

CD Interest Rates Hold Steady January 23, 2012

CD rates remained relatively stable in the most recent survey of the top national CD rates. The average CD rate, as measured by the rates on the best three month, six month, one year, two year and five year CD rates, was unchanged from the previous week. The Selectcdrates.com weekly CD rate survey showed the [...]

CD Interest Rates Display Little Change January 16, 2012

The best CD interest rates available were little changed over the past week. Based on the most recent survey of bank CD rates performed by Selectcdrates.com, the average CD rate gave up less than one basis point or 1/100th of a percent week over week. The average CD rate on the highest three month CDs, [...]

Banking & CD FAQs

Why are there penalties for withdrawing funds from your certificate of deposit before the maturity date?

Certificates of deposit generally pay a higher rate of interest than similar type bank accounts. They pay a higher rate because they have a fixed maturity date that for the most part guarantees the bank has the ability to use these funds for investment and lending activities. One way the bank can make

Can the bank place a hold on a payroll check?

Yes. When funds become available for withdrawal primarily depends on the type of deposit. While all national banks are subject to the same maximum hold periods established by law, each bank may make deposits available sooner. A bank can make the deposit available immediately or delay availability up to the maximum prescribed

Why should I change my password regularly for online banking?

Most financial institutions recommend that you change your password regularly so that your account is absolutely secure. This is especially the case if you use and easily guessed password that may be ascertained by individuals illegally peering through your discarded data or if you frequently sign on at a computer that you share with

I wrote a check and post-dated it. However, the bank cashed it prior to the date written on the check. Can the bank do this?

Yes. National banks are permitted to pay checks even though payment occurs prior to the date of the check. A check is a negotiable instrument—the payee, the person to whom the check is written, may negotiate it through the banking system at any time. If you have incurred damages because a check has

Best Rates on CDs
Best Interest Checking Account Rates

Discover Bank IRA CD Rates

Emigrant Direct
Sallie Mae Savings

Bank Deals
Checking Account Promotions
Chase Bank Promotions Bank of America Promotions
Capital One Promotions
Citibank Promotion

Second Chance Bank Account
Online Checking Accounts Roth IRA Accounts

Best Credit Card Rates Low Interest Credit Cards Business Credit Cards Credit Cards with Cash Back Credit Card Applications
Best Credit Card Offers
Low Interest Rate Credit Cards
Credit Cards for Bad Credit

Best Prepaid Cards
Chase Bank Credit Cards
Chase Credit Card Offer Chase Freedom Card
Chase Credit Card Interest Rates
Wells Credit Cards
Apply for Citibank Credit Card
Citicreditcard
Student Citi Card
Citibank Dividend Card Balance Transfer Credit Card HSBC Bank Household Bank Credit Card

Personal Checking Account
Bank Certificates of Deposit
Compare Savings Accounts
Setting Up a Bank Account Online Bank Services
Bank Information
Open a Bank Account
Bank Money Markets
Bank IRA Accounts

Mobile Banking Online Banking

CD Ladder
CD Loan

Best Checking Accounts

Senior Checking Account

Car Loan Rate

Business Checking

Online Brokers

----------Calculators ---------

Savings Account Calculator
Compound Interest Calculator
Mortgage Payment Calculator

About Us | Contact Us | Privacy Policy

Account Agreement

No user commented in " Account Agreement "

Leave A Reply

CD Rate Updates

Banking & CD FAQs

Bank & CD Tips