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Banks’ legal right to seize funds that a guarantor or debtor may have on deposit to cover a loan in default. It is also known as right of setoff.
A charge that appears on a periodic statement associated with an extension of credit such as a credit card, that was not authorized by the cardholder or the cardholders’ designee, was not properly identified, and was not accepted by the cardholder or the cardholder’s designee. A billing error can also be caused by a
Affinity Bank has a checking account called Big Checking. The Affinity Bank checking account has a variable interest rate that currently pays 3.00% on balances of $7,500.00 and greater. Affinity Bank markets this account as having unlimited check writing with rates like a CD. The checking account does not require establishing direct deposit but does
Bloomberg.com has a great article discussing some of the unusually high CD rate promotions that keep popping up. The article is titled, “AIG, GMAC Help Drive Up Bank Rates Amid ‘Insanity’ for Deposits”. The theme of the article is one that has struck a chord with us for last 2-3 months. Some banks continue to
Magyar Bank serves individuals and businesses in Central New Jersey. The bank operates five branch locations in New Brunswick, North Brunswick, South Brunswick, and Branchburg. The Bank was founded in 1922 by Hungarian immigrants with the purpose of helping the community’s residents achieve the “American Dream”. The banks name comes from the Hungarian word to
In order to intensify the spotlight on Hawaii, after the soon to be President has thrust the state into the spotlight, reviewing bank CDs in the state seems timely. One such bank is HomeStreet Bank. HomeStreet Bank is headquartered in Seattle but has branches in Hawaii and offers some of the highest CD rates in
The possibility that a bond issuer may not be able to pay interest and repay its debt.
Bank of Albuquerque has a current promotion for new checking accounts that pays $50.00 to new account holders. New customers to the bank are eligible for the bank promotion by activating direct deposit transactions with a minimum amount of $150.00 or by making 10 debit card transactions with a minimum of $10.00 per transaction. The
The FDIC protects depositors’ funds in the unlikely event of the financial failure of their bank or savings institution. FDIC deposit insurance covers the balance of each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank’s closing.
Identity theft in banking is a growing crime. Maintaining checking account and identity security are important to avoid loss. Maintain any voided bank checks or unused checks and deposit slips in a safe and secure location so that no one can copy the information, steal the checks or use the stolen information to steal your
A financial institution that provides a broad range of services, from checking and savings accounts to business loans and credit cards. Commercial banks are different from investment banking firms, such as brokerage firms, which generally are involved in arranging for the sale of corporate or municipal securities.
A Federal law that mandates that all the records created and kept by Federal agencies in the executive branch of government must be open for public inspection and copying. The only exceptions are those records that fall into one of nine exempted categories listed in the statute.
Making banking easier and more convenient is the goal of Province Bank in Marietta, Pennsylvania. Province Bank believes in providing bank products and services that are designed to be easy-to-understand and even easier to use. The bank was established on September 12, 2000 and has been FDIC insured since that time. The bank has three
The FDIC swept into Puerto Rico on the last day of April, but instead of soaking up the sun, the Feds sent three banks based in Puerto Rico into receivership. Before the day came to an end, two more banks in Missouri were added to the failed banks list as well as another bank in
Kopernik Federal Bank, established in 1924, is a community bank providing personal service to the citizens of Maryland. The bank offers competitive loan rates and savings rates from its one location in Baltimore. Kopernik Federal offers an array of loan and savings plans to match an assortment of consumer needs.
The bank’s federally insured certificate of
Liberty Bell Bank is a New Jersey state chartered commercial bank which was incorporated in 2002 and commenced operations in August 2003. The bank serves businesses and individuals and provides competitive bank CD rates in NJ from three branches in Cherry Hill, Evesham, and Moorestown, New Jersey.
Liberty Bell Bank offers traditional retail deposit products including
Yes. You can open individual and joint CD accounts with different banks. If the accounts do not exceed the FDIC insurance coverage, you can open CDs under individual names and joint names in the same bank as well. FDIC insurance will not preclude you from having multiple CDs or any other accounts with
Libertad Bank is a locally owned community bank based in Austin, home of the winning Texas Longhorns. Libertad Bank is also winning with their unbeatable free checking account. Libertad Bank is a Texas State Savings Bank and a Member of the Federal Deposit Insurance Corporation.
Libertad Bank is running a promotion for a free checking account
Community banks are seen as an integral part of the economic of small towns and large cities in every U.S. state. Very often, the best terms for loans and bank savings rates can be found at community banks. A community bank that has been providing a wide selection of financial services as well as high
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