Rates Current as of Wednesday February 08, 2012

Bankwire

An electronic communications network owned by an association of banks and used to transfer messages between subscribing banks. Bankwire also offers a clearing service called Cashwire that includes a settlement facility.

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Banking & CD FAQs

My bank refused to open a NOW account for my business. Why?

A NOW account is an interest-earning bank account with which the customer is permitted to write drafts against money held on deposit. Entities organized or operated to make a profit (e.g., corporations, partnerships, associations, business trusts) may not maintain NOW accounts. However, an individual doing business as (DBA) a sole proprietor or under

The bank where I have my CDs says that interest on the CD account is compounding daily. If the interest earned from the CD is paid monthly, how can they say they are compounding it daily?

When your bank states it compounds the interest daily on a CD but it pays out that interest monthly, it is engaging in a fairly standard process. The bank calculates your interest each day on the CD and simply processes that amount as a computer entry without actually paying that interest out.

Is there a web site that allows me to enter my US saving bonds (Series E and EE) and find out how much they are worth?

The Treasury Department offers a couple of options on its TreasuryDirect Web site. The simplest is its savings bond calculator. It will provide redemption values for Series E, EE and I bonds. The second alternative is also found on the treasury’s site and is the savings bond wizard. This program must be downloaded

Can the bank place a hold on deposits made in cash?

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