Regions Bank Holidays for 2018 and 2019

by banksadmin @ Banks.org

Tue Feb 27 00:34:02 PST 2018

Need to know if your local Regions Bank branch is open or closed on a certain holiday? All Regions Bank locations in the United States will be closed on the below dates in 2018 and in 2019. When a fixed-date … Continued

How to Get The Best Mortgage Rates

by banksadmin @ Banks.org

Thu Sep 15 23:33:15 PDT 2016

Now is an excellent time to buy a home because values are continuing to rise, which makes owning a house an excellent investment. Although slowly rising as well, mortgage rates are still near their historic lows. A small difference in … Continued

Safe Online Banking: For You & Your Money

by Kara Vincent @ LRRCU

Mon Mar 26 13:44:22 PDT 2018

From 24/7 account access to quick and easy bill paying, online banking offers members a convenient way to handle their finances. However, the rise of technology also brings an increase in potential hackers, scams, and fraud cases. Whether you’re looking to shield your small business or family’s finances, there are many strategies to stay vigilant […]

The post Safe Online Banking: For You & Your Money appeared first on LRRCU.

Ally Bank Review: One of the Largest and Most Well-Known Online Banks

by banksadmin @ Banks.org

Mon Sep 04 01:21:10 PDT 2017

Although Ally began as an insurance agency, they are now one of the largest and most well-known online banks. Since 2006, Ally has received hundreds of awards from various companies for their banking and insurance operations. Here is a look into … Continued

Discover Bank Online Savings Account Review

by Luke Landes @ Consumerism Commentary

Sun Feb 25 09:00:18 PST 2018

Discover Bank is an online only bank that offers excellent rates for savers with low fees. In this review, we cover its products, rates and fees. Interested in opening a savings account at Discover® Bank? Read this article first. Most every consumer knows the Discover brand, but for it’s extensive line of credit card products. […]

The post Discover Bank Online Savings Account Review appeared first on Consumerism Commentary.

How to Train an Abused Dog

by @ How to of the Day

Tue Mar 27 01:00:00 PDT 2018

Dogs who’ve suffered abuse may be withdrawn, depressed, inactive, and distrustful. While not all fearful and shy dogs have been abused, abuse can make the dog hesitant and nervous around humans. While it takes time to help a pup overcome its past, abused dogs can become loving pets if the right person comes into their life. If you’ve rescued an abused dog, then you’ll likely want to train it. Before you can train your dog, you need to take care of the dog’s health and safety so that it can learn to trust you. Then you will be able to housebreak your dog, teach it basic commands, and help it overcome its past.

Wells Fargo Bank Holidays for 2018 and 2019

by banksadmin @ Banks.org

Tue Jan 09 04:05:48 PST 2018

Need to know if your local Wells Fargo bank branch is open or closed on a certain holiday? All Wells Fargo banks in the United States will be closed on the below dates in 2018 and in 2019. When a … Continued

How to Develop Film in a Darkroom

by @ How to of the Day

Mon Mar 26 09:00:00 PDT 2018

Film photography is a great way to capture personal, unique, and long-lasting photographs. The first step in turning the captured exposures on your film camera into physical prints is developing the film. Taking the time to develop your film correctly is critical if you want your prints to turn out beautifully. To develop your film, you'll need some basic photography tools and chemicals, as well as access to a dark room.

Check Your Piggy Bank for This $85,000 Penny

by banksadmin @ Banks.org

Thu Oct 26 17:06:13 PDT 2017

During World War II, the United States had to conserve copper for the war effort. Copper was in high demand as it was used in ammunition and other military equipment. Because of this, 1943 pennies made from copper are extraordinarily rare … Continued

How to Become a Legal Permanent Resident of the United States

by @ How to of the Day

Wed Mar 21 17:00:00 PDT 2018

Becoming a legal permanent resident of the United States is a lengthy bureaucratic process. Once you determine your eligibility, you will need to find someone who can sponsor your application. Then, you and your sponsor will have to provide substantial evidence of your status, employment, or relationship. The process of becoming a legal permanent resident will generally take at least a year from the date you start filing, but successful applicants will finish the process with their Green Card, which grants permanent legal residence.

Are Certificates of Deposit a Good Investment?

by banksadmin @ Banks.org

Thu Mar 24 11:31:39 PDT 2016

When most people hear about CDs, they start wondering why anyone would still buy them in a world where music has gone digital. However, the financially savvy can usually tell within a few words of the conversation if the term … Continued

How to Transfer an Image Onto Glass

by @ How to of the Day

Tue Mar 20 17:00:00 PDT 2018

Putting an image onto a glass object—such as a glass, mason jar, mirror, or window—is a way to personalize and decorate your living space. You can transfer any type of image that has been printed from a laser printer, or that you find in a book or magazine. To transfer an image onto glass, fix adhesive packing tape to the image you’d like to transfer. Soak the image and tape in warm water, then remove the paper and stick the image onto a glass object. Alternately, you can use a gel transfer medium to move the image directly on to a glass surface.

Digital Lending Must Go Beyond Eliminating Paper

by Guest Contributor @ The Financial Brand

Mon Mar 12 21:03:54 PDT 2018

To get the optimal benefits of digital lending, back office processes, front office solutions and marketing communication all must be digitally-based.

The post Digital Lending Must Go Beyond Eliminating Paper appeared first on The Financial Brand.

How Much Money Can You Deposit Before the Bank Reports It?

by banksadmin @ Banks.org

Fri Feb 02 16:47:37 PST 2018

To the average person, it would seem like making deposits into their savings or checking accounts would be viewed as a good thing.  After all, doesn’t a regular savings plan mean an individual handles their money responsibly and they have … Continued

What You Need to Open a Bank Account?

by banksadmin @ Banks.org

Fri Jan 19 10:35:58 PST 2018

What do you need to open a bank account? Whether you are opening your first bank account, or you are creating a new account in addition to other bank accounts you own, there is some basic information that is required … Continued

Preparing to Buy Your First Home

by banksadmin @ Banks.org

Sat Sep 12 15:51:57 PDT 2015

Are you planning on buying a home in the near future? Making a big move is exciting, but it can be a little intimidating if you are buying your first place. Understanding the process will help you make the right … Continued

How to Cope with Nicotine Withdrawal

by @ How to of the Day

Fri Mar 23 01:00:00 PDT 2018

If you have been a smoker for a while, you may experience nicotine withdrawal symptoms—intense cravings, headaches, anger, trouble sleeping, and even anxiety or depression—when you attempt to quit. These undesirable side effects of quitting may tempt you to pick the habit back up. But, if you seek support, come up with a plan to deal with triggers, and practice good self-care, the symptoms will eventually subside. Hold out and give it time— you'll get through withdrawal and be smoke-free sooner than you think!

How to Train an Australian Shepherd

by @ How to of the Day

Tue Mar 20 01:00:00 PDT 2018

Australian shepherds are herding dogs that are popular pets. They are very intelligent dogs that thrive when thoroughly trained. To train an Australian shepherd you should focus on rewarding good behavior and reinforcing training with repetition and consistency. With some time and effort, your Australian shepherd will be a wonderfully trained companion for years to come.

Capital One Online Bank Review

by banksadmin @ Banks.org

Mon Jul 11 01:12:58 PDT 2016

The online bank which began as ING Direct, then became Capital One 360, and is now simply Capital One, has gone through a trial by fire with this customer.  As a member of the military, then married to it for many years, … Continued

Overview of High Yield Online Savings Account Options for 2016

by banksadmin @ Banks.org

Mon Mar 07 12:40:53 PST 2016

Savings accounts: everyone should have at least one, but when your local bank is offering to pay you interest at dismal rates as low as 0.01%, saving can be downright discouraging. Thankfully, in the internet age we live in, savers … Continued

How to Keep a Dress Shirt from Riding Up

by @ How to of the Day

Thu Mar 22 01:00:00 PDT 2018

If you tend to have trouble keeping your shirt tucked in throughout the day, it may be time to try out a new method of holding it in place. First thing’s first—make sure that you’re wearing a dress shirt that’s been sized and cut specifically for your frame. You can then create a neat, trim profile by folding the excess fabric on the sides of the shirt before you tuck it in. If all else fails, invest in a pair of handy shirt stays or make the switch to a more casual untucked style.

Geotargeted Marketing Strategies: Using Location Data to Engage Banking Consumers

by Lisa Joyce @ The Financial Brand

Mon Mar 12 21:02:31 PDT 2018

Banks and credit unions can drive greater marketing ROI by leveraging location-based data from consumers' mobile devices.

The post Geotargeted Marketing Strategies: Using Location Data to Engage Banking Consumers appeared first on The Financial Brand.

Online Money Market Accounts

by banksadmin @ Banks.org

Mon Mar 28 09:25:52 PDT 2016

As the financial industry moves into the internet age, more and more options are becoming available for consumers. In the old days, banking required you to go to branch and speak with a teller or a manager to get anything … Continued

7 of the Best Places to Open an IRA in 2018

by Kevin Mercadante @ Consumerism Commentary

Tue Jan 16 03:00:00 PST 2018

Opening an IRA is an important decision. To help, here is our survey of the best IRA accounts for 2018, including fees and features of each option. Just about every bank, investment brokerage, and robo-advisor welcomes Individual Retirement Accounts (IRAs). But there are a handful of institutions that stand out above the rest. Below are […]

The post 7 of the Best Places to Open an IRA in 2018 appeared first on Consumerism Commentary.

Simple.com Bank Review

by banksadmin @ Banks.org

Mon Aug 14 02:48:24 PDT 2017

Online banks are becoming more and more popular for a number of reasons. As we move closer to a cashless society in 2017, physical locations and taking out cash is becoming less and less important to consumers. Individuals can perform … Continued

Is Ally Bank’s Raise Your Rate CD the Right Investment for You?

by banksadmin @ Banks.org

Wed Apr 26 23:52:09 PDT 2017

Ally Bank is an online-only bank that features live 24-hour customer service. Ally offers strong rates, innovative tools and superior customer service. Since Ally saves by eliminating the need for local branches, they’re able to offer extremely competitive rates on … Continued

New Banking Ecosystems Will Use Data and Collaboration to Deliver Value

by Guest Contributor @ The Financial Brand

Wed Mar 21 21:03:04 PDT 2018

Open banking requires strong data and analytics skills, a digital culture and a willingness to share and collaborate with alternative providers.

The post New Banking Ecosystems Will Use Data and Collaboration to Deliver Value appeared first on The Financial Brand.

After Bank Kicks Agitated Elderly Man Out, Cop Brings Him Back to Get the Job Done

by banksadmin @ Banks.org

Thu Oct 19 11:56:59 PDT 2017

A bank branch recently contacted the Montebello Police Department, near Los Angeles, to assist them with a banking customer who was being disruptive. Evidently, an elderly gentleman was being unruly and causing a scene. Montebello Police dispatched Officer Robert Josett to … Continued

How to Save Money Without Worrying About Coupons

by Abby Hayes @ Consumerism Commentary

Sat Nov 25 05:00:00 PST 2017

Clipping coupons can save you money. It’s also a pain. Here’s how you can save money without coupons or the hassle that comes with them. The retail industry has everyone fooled. Millions of people spend their time scouring for deals, clipping coupons from the newspaper, plugging into the latest mobile deal applications, and sharing their […]

The post How to Save Money Without Worrying About Coupons appeared first on Consumerism Commentary.

New Bank Account Offers

by banksadmin @ Banks.org

Thu Oct 05 02:31:23 PDT 2017

You may have received the offers in the mail or heard about it online: banks are handling out cash bonuses to new customers that open a savings or checking account. These offers can range from $25 on up to $300. … Continued

Bringing Simplicity to Banking

by Michelle Brown @ The Financial Brand

Sun Mar 25 21:02:21 PDT 2018

With banking, people don’t want to have to think too hard or put forth a lot of effort. Today's consumer demands the banking experience be simple across every touchpoint.

The post Bringing Simplicity to Banking appeared first on The Financial Brand.

Top 5 States Where Income is Growing Fastest

by banksadmin @ Banks.org

Thu May 25 06:37:24 PDT 2017

The US census data is out and the information on the fastest and slowest growing states has finally arrived.  This gives state governments a chance to compare records and mark their progress.  Continue reading below to find out which 5 … Continued

FDIC Insurance: Protection Against Bank Failure

by banksadmin @ Banks.org

Thu Mar 10 12:29:01 PST 2016

With financial market uncertainty, it is comforting to know that there is a base level of protection for bank accounts held at financial institutions that are insured by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance, which offers coverage for bank … Continued

SunTrust Bank Holidays for 2017 and 2018

by banksadmin @ Banks.org

Fri Dec 22 19:30:33 PST 2017

Wondering if your local SunTrust bank is open for a specific holiday? Check out the list of 2017 and 2018 dates below that all SunTrust branches are closed on. If a holiday is not listed below, such as Christmas Eve, New Year’s … Continued

Are Online Banks Safe?

by Rob Berger @ Consumerism Commentary

Tue Mar 20 07:00:35 PDT 2018

Online banking is a reality for everybody. Even traditional banks with branches offer account access online. But are online banks safe? Here are several tips to help keep your money secure online. This article was first published several years ago. At that time, most individuals were still doing their banking transactions in person or over […]

The post Are Online Banks Safe? appeared first on Consumerism Commentary.

5 Tips When Choosing an Online Savings Account

by banksadmin @ Banks.org

Tue Sep 12 12:41:49 PDT 2017

There are more and more online savings accounts popping up. These accounts are generally limited solely to the internet, which means that there are no brick and mortar locations for you to visit. They can provide a variety of benefits, … Continued

Banking Trends in 2016

by banksadmin @ Banks.org

Mon Mar 21 10:50:12 PDT 2016

The banking industry has always been in a state of change, especially over the past decade. With new technologies and ways to improve productivity surfacing every year, banks are engaging in these changes to increase customer loyalty and maintain competition. … Continued

Bank of America Holidays for 2018 and 2017

by banksadmin @ Banks.org

Sun Jun 18 00:18:58 PDT 2017

* Updated for 2018 * Need to know if your local Bank of America branch is open on a specific holiday? All BofA branches are closed on the below dates in 2017 and 2018. If a holiday such as Christmas Eve, … Continued

How Long Should It Take to Build a Digital Bank?

by Jim Marous @ The Financial Brand

Sun Mar 11 21:03:54 PDT 2018

To keep up with the market, the competition and the consumer, financial institutions that want to roll out a digital bank need to move quickly.

The post How Long Should It Take to Build a Digital Bank? appeared first on The Financial Brand.

What Every Homeowner Should Know About Tax Deductions

by banksadmin @ Banks.org

Sat Sep 12 16:24:11 PDT 2015

Whenever April approaches, people start to think of two things: spring and taxes. While most people welcome the arrival of spring, very few cheer at the impending tax deadline. Paying taxes, however, is something we all have to do. When … Continued

Barclays Online Savings Review

by Luke Landes @ Consumerism Commentary

Wed Mar 14 06:00:25 PDT 2018

Barclays online savings account offers one of the highest interest rates and lowest fees available today. In this review, we cover the details to help you determine if Barclays Bank is right for you. Barclays Bank is a relative newcomer to the U.S. online savings market. It’s been around as a bank, though, since 1690. […]

The post Barclays Online Savings Review appeared first on Consumerism Commentary.

The Four Pillars of Digital Transformation in Banking

by Lisa Joyce @ The Financial Brand

Mon Mar 26 21:04:59 PDT 2018

Banks and credit unions know they need a digital strategy, but few actually have one. Use this outline as your strategic checklist and self-assessment tool.

The post The Four Pillars of Digital Transformation in Banking appeared first on The Financial Brand.

5 Ways Fintech Firms Help Banks and Credit Unions

by Guest Contributor @ The Financial Brand

Wed Mar 14 18:03:14 PDT 2018

Combining benefits of traditional banking organizations and new fintech start-ups can improve the development of digital solutions and enhance the consumer experience.

The post 5 Ways Fintech Firms Help Banks and Credit Unions appeared first on The Financial Brand.

Which Credit Card Should Be Your First?

by Aliyyah Camp @ Consumerism Commentary

Mon Nov 13 04:50:10 PST 2017

Getting a credit card as a young adult is a big step. To help, we’ve researched the best first credit card options and how to make this important choice. Getting your first credit card is a significant financial milestone. Maybe you’re a college student jumping into personal finance for the first time. Or maybe you’ve […]

The post Which Credit Card Should Be Your First? appeared first on Consumerism Commentary.

Online Bank Review: Bluebird by American Express

by banksadmin @ Banks.org

Wed Oct 11 10:27:10 PDT 2017

One of the many challenges people face when opening a checking account is their credit. This is partly because in some instances, banks may refuse to open checking or savings accounts for those who have had financial difficulties. It is … Continued

How to Trade Bitcoin Futures in 2018

by banksadmin @ Banks.org

Tue Dec 19 11:44:14 PST 2017

Probably the biggest news lately in the world of investments is the announcement that financial exchanges have decided to offer bitcoin futures.  Since the beginning of 2017, bitcoin prices have soared 1,500%, which has garnered significant interest from those who … Continued

How Many Savings Accounts Do You Need?

by Abby Hayes @ Consumerism Commentary

Fri Nov 10 04:51:08 PST 2017

Back in the day, we had just one savings account. Mine came with a passbook. Now we ask–how many savings accounts do you need? We have the answer. These days, more banks are offering low- or no-fee savings accounts. This can make it tempting to open a lot of different accounts. And, in some cases, […]

The post How Many Savings Accounts Do You Need? appeared first on Consumerism Commentary.

PNC Virtual Wallet Online Banking Review

by banksadmin @ Banks.org

Wed Jul 26 03:22:38 PDT 2017

PNC Bank features over 2,600 branch locations throughout the country. If you aren’t in one of the 19 states where PNC operates, you can still enjoy their fully online banking. The Virtual Wallet is a unique financial approach that makes saving … Continued

Financial Institutions Aren’t Prepared for the Digital Revolution

by Jim Marous @ The Financial Brand

Tue Mar 20 21:03:28 PDT 2018

As interview with Chris Skinner on his newest book, Digital Human, where he discusses the Digital Revolution and its impact on financial services.

The post Financial Institutions Aren’t Prepared for the Digital Revolution appeared first on The Financial Brand.

Compare Online Savings Accounts

by banksadmin @ Banks.org

Tue Feb 09 10:33:02 PST 2016

A savings account is essential to any successful budget and will help you afford larger purchases in the future. Choosing the perfect savings account is critical, and will depend on a number of factors that include your monthly budget and … Continued

Chase Bank Holidays for 2017 & 2018

by banksadmin @ Banks.org

Thu Apr 13 11:46:23 PDT 2017

This article has been updated for 2018. Need to know if your local Chase branch is open on a specific holiday? All branches are closed on the below dates in 2018 and 2017. If a holiday is not listed below, … Continued

Negative Interest Rates: How They Could Impact Our Economy

by banksadmin @ Banks.org

Tue Aug 22 04:08:43 PDT 2017

Imagine rates so low that they’re actually in the negative. Instead of making money off your investment, you would have to pay the bank to house your cash. Although it may not even seem legal, negative interest rates are a real possibility. In … Continued

How to Plant in Poor Soils

by @ How to of the Day

Wed Mar 21 09:00:00 PDT 2018

Whether you want to grow flowers, trees, or vegetables, plants can add natural beauty to your yard. However, planting and growing plants may not seem so simple if your yard doesn’t have rich soil. Fortunately, there are several things you can do throughout the planting process to ensure that your plants thrive, including amending the soil with compost, planting the root ball properly, and/or choosing to plant specific plants that thrive in your particular soil type.

Mango Money Review: Earn up to a 6.00% APY on Savings

by banksadmin @ Banks.org

Wed May 10 02:02:51 PDT 2017

Many people are so discouraged with the abysmal interest rates offered for saving and checking accounts today, it seems impossible to think there could be a glimmer of hope on the horizon.  Gone are the days when a person might … Continued

Five Big Strategic Shifts Bank and Credit Union CMOs Must Make

by Amber Sullivan @ The Financial Brand

Tue Mar 13 21:02:05 PDT 2018

Customer centricity, CX and digital transformation are among the dominant themes that preoccupy the most effective CMOs in the world today.

The post Five Big Strategic Shifts Bank and Credit Union CMOs Must Make appeared first on The Financial Brand.

How Employment Affects Qualifying for a Mortgage

by banksadmin @ Banks.org

Sat Sep 12 16:18:02 PDT 2015

Perhaps you’ve read articles and books on how to qualify for a mortgage. Information buried in these pages might include tips on how to raise your credit score, how to save for a down payment, and tips on how to … Continued

Financing A New Home: Answering Homebuyer Questions

by Kara Vincent @ LRRCU

Mon Mar 12 07:40:38 PDT 2018

Finding the perfect new home can be hard work, but now you also have to navigate the mortgage financing process. There are many questions that arise when it comes to financing a new home. Below we’re answering four questions about financing a new home that homebuyers commonly ask. 1. Should I Be Pre-Qualified or Pre-Approved? […]

The post Financing A New Home: Answering Homebuyer Questions appeared first on LRRCU.

Outside the Box: Escaping the Confines of Obsolete Consumer Banking Strategies

by Guest Contributor @ The Financial Brand

Tue Mar 20 21:01:29 PDT 2018

Financial execs must ditch the tired paradigms that served as the bedrock of 20th century banking models, and break free from the mental roadblocks holding the industry back.

The post Outside the Box: Escaping the Confines of Obsolete Consumer Banking Strategies appeared first on The Financial Brand.

Banks Must Look Beyond Traditional Credit Scores

by Guest Contributor @ The Financial Brand

Mon Mar 26 21:03:21 PDT 2018

Increased data and advanced technology is is expanding the availability of credit to consumers with thin credit scores.

The post Banks Must Look Beyond Traditional Credit Scores appeared first on The Financial Brand.

Bank Failures Cost the FDIC Deposit Insurance Fund $894 Million in 2015

by banksadmin @ Banks.org

Thu Apr 21 10:53:44 PDT 2016

The financial crisis of 2007-2008 resulted in hundreds of bank failures. In the year after the crisis, bank closures cost the FDIC‘s Deposit Insurance Fund more than $38 billion. As the U.S. economy slowly recovered, fewer banks have been closed and sold by … Continued

15 Applications of AI and Machine Learning in Financial Marketing

by Jim Marous @ The Financial Brand

Sun Mar 18 21:04:59 PDT 2018

Artificial Intelligence (AI) and machine learning are very powerful marketing tools that must be used by banks and credit unions to meet consumer expectations.

The post 15 Applications of AI and Machine Learning in Financial Marketing appeared first on The Financial Brand.

TD Bank Holidays for 2018 and 2019

by banksadmin @ Banks.org

Thu Mar 22 01:36:53 PDT 2018

Need to know if your local TD Bank branch is open or closed on a certain holiday? All TD Bank locations in the United States will be closed on the below dates in 2018 and in 2019. When a fixed-date … Continued

6 Ways to Get Free Redbox Codes

by Stephanie Colestock @ Consumerism Commentary

Thu Nov 23 14:54:00 PST 2017

Redbox is a great way to watch moves. And while it’s cheap, you can do even better. Here are six ways to get free Redbox codes. I’ll be honest: I can’t even remember the last time I paid just to watch a movie. Between streaming services like Netflix, Hulu, and my Amazon Fire Stick, I […]

The post 6 Ways to Get Free Redbox Codes appeared first on Consumerism Commentary.

Digital CX Now The Ultimate Factor In The Fate of Banking Brands

by Lisa Joyce @ The Financial Brand

Sun Mar 18 21:02:24 PDT 2018

Is there a future for traditional banks and credit unions? Yes, but everything now hinges entirely on the digital experience they deliver.

The post Digital CX Now The Ultimate Factor In The Fate of Banking Brands appeared first on The Financial Brand.

Ally Invest Review

by Kevin Mercadante @ Consumerism Commentary

Mon Dec 18 04:00:00 PST 2017

Ally Invest offers is a low cost and very easy to use online broker. Formerly TradeKing, we cover all of its features and costs in this review. You’ve probably heard about Ally Bank. They’re perhaps the best-known online bank, offering some of the highest interest rates available on savings accounts and certificates of deposit. As […]

The post Ally Invest Review appeared first on Consumerism Commentary.

Do You Know About the 2017 Tax Filing Extension?

by Liz Oliver @ LRRCU

Thu Mar 15 02:14:14 PDT 2018

The date April 15 is probably as quickly recognizable to most Americans as July 4 or December 25. Traditionally recognized as Tax Day, it’s the deadline for filing your previous year’s tax return.  With one month to go, you may be feeling the pressure and scrambling to get the task completed in the remaining days.  But […]

The post Do You Know About the 2017 Tax Filing Extension? appeared first on LRRCU.

Capital One 360 Savings Account Review

by Luke Landes @ Consumerism Commentary

Mon Mar 26 07:00:54 PDT 2018

Capital One 360 is one of the oldest online banks. In this review, we look at the savings products it offers, the interest rates, and the fees. When Capital One purchased ING Direct to create Capital One 360, it made a splash in the online savings account market. Now, Capital One 360 offers a whole […]

The post Capital One 360 Savings Account Review appeared first on Consumerism Commentary.

How to Wait for an Exciting Event

by @ How to of the Day

Mon Mar 26 01:00:00 PDT 2018

It’s always fun to have an event to look forward to, but it can be hard to stay patient when you have to wait for something you’re excited about. The more you focus on the future event, the more you want it to happen right away. Fortunately, if you keep a busy schedule, try new things, and focus on the present, time will go by before you know it.

Pros and Cons of Online Checking Accounts

by banksadmin @ Banks.org

Mon Feb 22 11:00:30 PST 2016

The internet has changed the way we operate as a culture on many levels, specifically the way we communicate and interact with others.  Community is now a global term, and while we may be able to transfer information more easily, … Continued

Making Savings a “Dream”: A Review of Barclays Online Bank

by banksadmin @ Banks.org

Fri Jul 07 04:09:28 PDT 2017

Barclays Bank has its roots in 17th century London and its legacy includes financing the world’s first industrial steam railway and introducing the world’s first automated teller machine. While Barclays is still headquartered in London, it has operations in more than … Continued

ATM Fees and the Supreme Court

by banksadmin @ Banks.org

Mon Oct 31 19:25:51 PDT 2016

The ongoing battle between independent ATM operators and the major credit card companies continues as the Supreme Court has agreed to hear in their next term, an appeal made by MasterCard Inc., VISA Inc. and several other leading banks.  The … Continued

How Will The Smartphone of the Future Impact Banking?

by Jim Marous @ The Financial Brand

Sun Mar 25 21:03:08 PDT 2018

Advances in smartphone technology and user growth provide opportunities for innovation and differentiation for banking organizations.

The post How Will The Smartphone of the Future Impact Banking? appeared first on The Financial Brand.

Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet]

by Kara Vincent @ LRRCU

Wed Nov 15 04:02:02 PST 2017

‘Tis the season to be jolly! ‘Tis the season for the gifts, decorations, family, friends, and children on their best behavior. ‘Tis the season for overloaded shopping bags, impulse buying, and credit card bills. Wait! That doesn’t sound as cheery. In 2016, according to a survey conducted by The American Research Group Inc., Americans spent […]

The post Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet] appeared first on LRRCU.

Online Savings Accounts: Better for Your Money

by banksadmin @ Banks.org

Wed Sep 20 08:21:54 PDT 2017

If you’re looking around to choose the best bank for your savings, or are thinking about switching banks to get a better interest rate, you should consider online savings accounts. They offer significant advantages to consumers in terms of higher … Continued

What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 12 05:10:40 PDT 2018

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

The post What You Need to Know About a Qualifying Life Event appeared first on Payroll Tips, Training, and News.

How to Wash Jeans by Hand

by @ How to of the Day

Thu Mar 22 09:00:00 PDT 2018

Hand washing is a great way to extend the life of your favorite pair of jeans. It is a gentler process than machine washing and prevents, or at least slows, the fading and break down of fibers. Choose between hand washing your jeans in cool water or spot cleaning.

Bank Holiday Schedule for 2017 and 2018

by banksadmin @ Banks.org

Sat Oct 21 21:11:40 PDT 2017

Few things are more frustrating than wanting to deposit a check, make a withdrawal or make a same-day online bill payment and then finding out that the bank is closed for a holiday. The Federal Reserve bank observes 10 holidays … Continued

5 Best Money Market Rates for 2018

by Michael Pruser @ Consumerism Commentary

Thu Mar 22 03:00:00 PDT 2018

The best money market rates today pay interest in the top 5% of all deposit accounts. These rates come from online banks. Here’s our list of the top 5. I’ve never been a big saver. And that’s especially when it comes to putting money into an online savings account or money market. During the adult […]

The post 5 Best Money Market Rates for 2018 appeared first on Consumerism Commentary.

Advantages and Disadvantages of an Online Savings Account

by banksadmin @ Banks.org

Wed Mar 02 11:05:43 PST 2016

It is important for everyone to have some sort of savings. Depending on your age and how much money you have to put into savings, there are many different options available. For some people, a traditional in bank savings account … Continued

Holiday Shopping Tips for Your Spending Personality

by Kara Vincent @ LRRCU

Mon Nov 20 10:19:45 PST 2017

Although 41% of consumers report starting their holiday shopping in October or even earlier (Wow! Good for you!), an estimated 69% of Americans will shop over the Thanksgiving weekend. Early research from the National Retail Federation shows that the 2017 season will be a big deal, with holiday spending forecasted to be near $680 billion, up almost 4% […]

The post Holiday Shopping Tips for Your Spending Personality appeared first on LRRCU.

This Spring, Clear Mediocre Credit Cards Out of Your Wallet

by Gregory Karp @ NerdWallet

Mon Mar 26 08:00:11 PDT 2018

Spring is a great time to declutter a closet full of clothes, a garage full of boxes and your wallet full of inferior credit cards. The average credit card holder…

Stonegate Bank: The First U.S. Bank in Cuba

by banksadmin @ Banks.org

Mon May 09 12:22:03 PDT 2016

During President Obama’s landmark trip to Cuba in March 2016, great fanfare was made of US businesses including AirBnB and Starwood Hotels.  However, left unsaid was the progress of Stonegate Bank.  The firm made a historic announcement back in November 2015, becoming … Continued

PNC Bank Holidays for 2017 and 2018

by banksadmin @ Banks.org

Mon Jan 02 18:38:09 PST 2017

Need to know if your local PNC Bank branch is open on a specific holiday? All branches are closed on the below dates. If a holiday is not listed below, such as Christmas Eve, New Year’s Eve, Halloween, or St. … Continued

Zions Bank Online Savings Account Review

by Luke Landes @ Consumerism Commentary

Fri Dec 15 06:30:47 PST 2017

In our detailed Zions Bank review, we cover its savings products, rates, and fees. We also compare it to other online banking options. As of today, Zions Bank offers one of the highest interest rates among high-interest savings accounts. But is it worthwhile to move your money there to take advantage of this interest rate? […]

The post Zions Bank Online Savings Account Review appeared first on Consumerism Commentary.

Top Online Checking Accounts With High Interest Rates

by banksadmin @ Banks.org

Wed Jun 28 08:57:36 PDT 2017

These days, there is a lot of interest in interest. With the Federal Funds Rate (the interest rate that banks pay each other for overnight lending) at less than 0.5% and a typical savings account interest rate of less than … Continued

10 Tips for Avoiding Overdraft Fees

by Luke Landes @ Consumerism Commentary

Thu Mar 08 04:00:37 PST 2018

What’s a quick way to empty your pockets? Paying for overdraft fees. Here are ten tips to help you avoid those bank penalties. Consumers overdraft their bank accounts . . . a lot. According to data compiled by the Consumer Financial Protection Bureau, these fees totaled more than $11 billion in 2015. More recent data […]

The post 10 Tips for Avoiding Overdraft Fees appeared first on Consumerism Commentary.

The Massive Millennial Shake Up in Traditional Wealth Management

by Jim Marous @ The Financial Brand

Mon Mar 19 21:03:50 PDT 2018

As baby boomers change their financial objectives, the millennial investor provides wealth management opportunities that can't be ignored.

The post The Massive Millennial Shake Up in Traditional Wealth Management appeared first on The Financial Brand.

Don’t Let Bad Data Kill Your Financial Institution’s Brand

by Guest Contributor @ The Financial Brand

Wed Mar 07 21:02:37 PST 2018

When you try to personalize your marketing communications and fail, you lose people's trust and undermine your brand. Here's three ways to make sure that doesn't happen.

The post Don’t Let Bad Data Kill Your Financial Institution’s Brand appeared first on The Financial Brand.

How to Improve Your Credit Score

by Stephanie Colestock @ Consumerism Commentary

Wed Dec 06 05:00:27 PST 2017

A good credit score can save you thousands of dollars in lower rates. To help boost your FICO score, here’s our guide on how to improve your credit score. Somewhere along the line, debt became “normal.” In fact, American consumer society has progressed to the point that access to debt is almost essential to living […]

The post How to Improve Your Credit Score appeared first on Consumerism Commentary.

How to Find the Lowest Bank Mortgage Rates

by banksadmin @ Banks.org

Sat Sep 12 16:59:24 PDT 2015

If you believe every advertisement you see on television, the internet and even in print, then you would believe that every bank has the “lowest mortgage rate,” right? The truth is: some banks offer lower rate mortgages than others and … Continued

America’s Banks Made Over $11 Billion from Overdraft and NSF fees in 2015

by banksadmin @ Banks.org

Mon Apr 04 10:16:17 PDT 2016

How did America’s largest banks, including JPMorgan Chase (NYSE:JPM), Bank of America (NYSE:BAC), and Citigroup (NYSE:C) make over $11 billion from overdraft and NSF fees in 2015? For the first time, the Consumer Financial Bureau has made it easy to understand by … Continued

Use Data and Next-Gen Tools to Drive Digital Banking Transformation

by Guest Contributor @ The Financial Brand

Wed Mar 07 18:03:52 PST 2018

The need for extensive digital transformation in banking will require the combination of data insights, analytics and innovative technologies.

The post Use Data and Next-Gen Tools to Drive Digital Banking Transformation appeared first on The Financial Brand.

How to Find the Most Affordable Cell Phone Plans

by Abby Hayes @ Consumerism Commentary

Thu Jan 11 06:00:00 PST 2018

The cell phone company war bodes well for consumers, with cellular plans reaching all-time lows. Here are some of the cheapest cell phone plans we could find. Over the past few years, cell phone providers have declared an out-and-out war to win over consumers. This spells good things for the consumers, who can now take […]

The post How to Find the Most Affordable Cell Phone Plans appeared first on Consumerism Commentary.

What is a Cash Out Refinance Plan?

by banksadmin @ Banks.org

Sat Sep 12 16:26:59 PDT 2015

A cash out refinance plan is a refinancing plan where you can refinance your home for an amount that is greater than the balance that you still owe on your existing mortgage. With your refinance loan you would pay off … Continued

5 Things Experts Say You Should Know About Obamacare Open Enrollment

by Kate Cox @ Consumerist

Mon Oct 30 07:30:30 PDT 2017

If anything is true of 2017, it is this: Confusion reigns. And nowhere do we see that more than in healthcare, where failed repeal attempts, executive orders, sudden, out-of-the-blue policy changes, and general unpredictable chaos have dominated the news. But the fact remains that Americans still need access to medical care, and for those who don’t have …

Why Financial Institutions Are Betting on Multi-Sensory Branch Experiences

by Guest Contributor @ The Financial Brand

Mon Mar 19 21:01:53 PDT 2018

Here's how banks and credit unions are using all five senses to shape people's perceptions of their brands in branch environments.

The post Why Financial Institutions Are Betting on Multi-Sensory Branch Experiences appeared first on The Financial Brand.

Citibank Holidays for 2017 and 2018

by banksadmin @ Banks.org

Thu Nov 09 18:23:04 PST 2017

Traveling for the holidays? Be sure to get your Citibank transactions completed before these bank holidays. All Citibank branches are closed on the below dates. If a holiday is not listed below, such as Christmas Eve, New Year’s Eve, Halloween, … Continued

10 Legitimate Ways to Watch Free Movies Online

by Abby Hayes @ Consumerism Commentary

Wed Nov 29 04:00:00 PST 2017

There are now more ways than ever to watch free movies online. Here are 10 of them, some of which offer recently released flicks. If you’re anything like me, your family time and date nights often involve watching movies. There’s nothing our five-year-old likes better than curling up on the couch with some popcorn to […]

The post 10 Legitimate Ways to Watch Free Movies Online appeared first on Consumerism Commentary.

Filing a Complaint About a Bank: When and How?

by banksadmin @ Banks.org

Tue Sep 26 10:27:09 PDT 2017

Most adults feel comfortable complaining when they feel that their needs have not been appropriately met. If their steaks have not been cooked properly, they will send them back to the kitchen. If their new set of clothes shrinks in the wash, they will return … Continued

The Correct Way to Pay Off Personal Debt: The Debt Avalanche

by Luke Landes @ Consumerism Commentary

Fri Dec 01 05:00:46 PST 2017

The debt avalanche is the fastest and cheapest way to pay off you debts. But is it always the best way? Sometimes the debt snowball may be better. When it comes to math, things are pretty straightforward. No matter what language you speak, one and one always equals two. And, in theory, finances should work […]

The post The Correct Way to Pay Off Personal Debt: The Debt Avalanche appeared first on Consumerism Commentary.

The Best Current and Historical Bank Interest Rates — March 2018

by Rob Berger @ Consumerism Commentary

Thu Mar 01 04:00:28 PST 2018

We’ve tracked bank rates since 2008. The latest list shows the best bank interest rates available nationwide as of March 2018 (with daily updates). Since many banks are constantly updating their interest rates offered on savings, money market and checking accounts, this chart should come in handy. On the 1st of every month, this page […]

The post The Best Current and Historical Bank Interest Rates — March 2018 appeared first on Consumerism Commentary.

CIT Bank Review and Bonuses

by Stephanie Colestock @ Consumerism Commentary

Mon Nov 06 04:00:58 PST 2017

CIT Bank bonus offers can be very rewarding. We track these bonuses and CIT rates, which currently are the best you’ll find for an online savings account. Everybody needs a safe place to tuck away their emergency fund or vacation savings. A high yield savings account is a great option. Considering that the average savings […]

The post CIT Bank Review and Bonuses appeared first on Consumerism Commentary.

How Banks and Credit Unions Can Survive Rising Interest Rates

by Lisa Joyce @ The Financial Brand

Sun Mar 11 21:02:40 PDT 2018

To make a significant difference in the amount of deposits you attract — and keep — the marketing strategy for your deposit products will have to shift.

The post How Banks and Credit Unions Can Survive Rising Interest Rates appeared first on The Financial Brand.

Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 19 05:10:23 PDT 2018

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

The post Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch? appeared first on Payroll Tips, Training, and News.

Bank Holiday Schedule for 2016 and 2017

by banksadmin @ Banks.org

Wed Feb 24 10:01:49 PST 2016

Few things are more frustrating than wanting to deposit a check, make a withdrawal or make a same-day online bill payment and then finding out that the bank is closed for a holiday. The Federal Reserve bank observes 10 holidays … Continued

What Exactly is a Certificate of Deposit?

by banksadmin @ Banks.org

Fri Mar 18 10:00:25 PDT 2016

It’s never too early to begin building your nest egg. Safe and effective investments can help you slowly and steadily grow your savings. You may have heard the term “CD” commonly used in banking. If you’ve asked yourself, “What is … Continued

How to Track Mileage Without an Odometer

by @ How to of the Day

Mon Mar 26 17:00:00 PDT 2018

Whether you’ve got a busted odometer or you’d just rather not have to do a lot of mental gymnastics to calculate your annual mileage for work-related tax deductions, there are a couple simple ways to find out how many miles you’re averaging. Downloading a mileage tracker app for your smartphone can take all the guesswork out of adding up your drive time by automatically ticking off the miles while you’re on the road. If you only make the occasional business trip, consider simply plotting out your route and recording the estimated distance in advance.

Switching Banks: A Strategic Move for Your Money?

by banksadmin @ Banks.org

Fri Aug 04 03:31:04 PDT 2017

Everyone is probably familiar with the unpleasant narratives of those who are lackadaisical about keeping track of their money.  For the apathetic who do finally risk evaluating their checking and savings accounts, discovering the fees charged to their account and … Continued

How Financial Services CEOs Can Embrace Social and Lead By Example

by Guest Contributor @ The Financial Brand

Thu Mar 08 21:03:21 PST 2018

Social media is an important communications tool for bank and credit union CEOs, providing a 'voice' to customers, employees, partners and shareholders.

The post How Financial Services CEOs Can Embrace Social and Lead By Example appeared first on The Financial Brand.

Meet 11 of the Most Interesting Chatbots in Banking

by Jim Marous @ The Financial Brand

Tue Mar 13 21:03:23 PDT 2018

The use of chatbots in the banking industry is exploding, with a variety of ways to apply the technology and improve the digital experience.

The post Meet 11 of the Most Interesting Chatbots in Banking appeared first on The Financial Brand.

Collateral Loans & Hard Money Loans for Bad Credit: List of Providers

by Ellen Seltz @ First Quarter Finance

Wed Mar 21 16:00:54 PDT 2018

Finding a hard money lender for an investment property or home takes care. Included in this article is a safe borrowing checklist to help you think through the process and vet potential lenders. We also have the list of nationwide hard money lenders that will work with poor credit, including Allrise Financial Group, Do Hard […]

The post Collateral Loans & Hard Money Loans for Bad Credit: List of Providers appeared first on First Quarter Finance.

3 Money Lessons We Can Learn From ‘Roseanne’

by Courtney Jespersen @ NerdWallet

Sun Mar 25 18:00:27 PDT 2018

On March 27, the Conner family is coming back to prime time, thanks to the revival of ABC’s “Roseanne.” The popular sitcom starring Roseanne Barr and John Goodman as husband…

Banks vs Credit Unions: Is One Better Than The Other?

by banksadmin @ Banks.org

Mon Feb 29 11:30:48 PST 2016

When we are young, we learn that everything has its place.  You buy food at the grocery store, books live at the library, and money goes into banks. As we get older and experience the complexity of the world, we … Continued

What’s The Best Mobile Payment Platform: Zelle, Venmo, Square or Apple Pay?

by Guest Contributor @ The Financial Brand

Mon Mar 19 21:02:04 PDT 2018

Mobile payments are table stakes for banking providers looking to remain relevant with today's digital consumers. Which one should you offer?

The post What’s The Best Mobile Payment Platform: Zelle, Venmo, Square or Apple Pay? appeared first on The Financial Brand.

The Single Parent’s Guide to Life Insurance

by Barbara Marquand @ NerdWallet

Thu Mar 22 17:39:02 PDT 2018

Even though it might be hard sometimes to picture your young children as independent adults, you hope to live long enough to see that day. Life insurance provides a financial…

Best Student Checking Accounts in 2018

by Luke Landes @ Consumerism Commentary

Mon Dec 04 06:00:55 PST 2017

We’ve complied a list of the best student checking accounts in 2017. Options include online and traditional banks that pay bonuses, high interest rates, or both. As we head into a new year, thousands of young adults will be heading to college for the first time. It’s important to get started on the right financial […]

The post Best Student Checking Accounts in 2018 appeared first on Consumerism Commentary.

USAA Online Bank Review

by banksadmin @ Banks.org

Fri Feb 26 11:04:10 PST 2016

Online banking can some times be tricky to navigate but banks like USAA, make it easy. It is a one stop bank for all needs such as banking, insurance, and loans.   The Upsides: USAA offers more than just a debt … Continued

5 Ways Banks & Credit Unions Can Apply Machine Learning Today

by Guest Contributor @ The Financial Brand

Thu Mar 22 21:02:01 PDT 2018

Fueled by the large volumes of data available in today's digital world, machine learning has the power to completely transform the experience financial institutions deliver.

The post 5 Ways Banks & Credit Unions Can Apply Machine Learning Today appeared first on The Financial Brand.

Why In-Store Supermarket Branches Are a Bad Idea

by Guest Contributor @ The Financial Brand

Wed Mar 14 20:03:16 PDT 2018

In-store branch locations may seem appealing in theory, but compared to traditional branches, they are rarely successful.

The post Why In-Store Supermarket Branches Are a Bad Idea appeared first on The Financial Brand.

Synchrony Bank High Yield Savings Account Review

by banksadmin @ Banks.org

Fri Jun 09 01:14:04 PDT 2017

The Synchrony High Yield Savings Account is a low-risk investment option you’ll want to explore if you’re looking for a solid interest rate with a trusted online bank. About Synchrony Bank Synchrony Bank is a well-known credit card issuer for many retail … Continued

8 Ways to Get Free Amazon Gift Cards

by Stephanie Colestock @ Consumerism Commentary

Tue Nov 21 14:44:00 PST 2017

The one thing better than an Amazon gift card is a free Amazon gift card. Here are eight ways to score free Amazon gift cards. If you’re anything like me, you’re used to seeing “Amazon” on your bank statement. Those boxes with blue tape are a mainstay on my front porch, delivering everything from vitamins […]

The post 8 Ways to Get Free Amazon Gift Cards appeared first on Consumerism Commentary.

How to Save $1,000 in Less Than a Year

by banksadmin @ Banks.org

Fri Jan 29 14:57:23 PST 2016

How would you like to save $1,000 by setting aside less than $50 a week? As a bonus, it doesn’t even take a year, just 44 weeks. You can start on any week, at any time. All you need is … Continued

Mygiftcardsite.com How to Check My Gift Card Site Balance

by banksadmin @ Banks.org

Wed Mar 21 12:10:36 PDT 2018

Prepaid Visa and MasterCard gift cards have so many benefits. They make a great gift because they are easy to send to someone through the mail without the same risk of loss you might face if you sent cash. They … Continued

The Risks Associated With CDs

by banksadmin @ Banks.org

Mon Jul 17 01:12:57 PDT 2017

Certificates of Deposit have been around for a while. If you save or invest your money, you’ve probably at least considered making use of a CD. Certificates of Deposits are one of the safest methods of saving money. In many ways, … Continued

How to Open Your First IRA Account

by Stephanie Colestock @ Consumerism Commentary

Tue Feb 20 03:00:00 PST 2018

No more excuses. It’s time to open your first IRA account. We walk you through the entire process, including where to open your account. It’s easy! Establishing your first IRA, or Independent Retirement Account, is a big deal in the world of finance. This tax-advantaged account is a great way to save and invest for […]

The post How to Open Your First IRA Account appeared first on Consumerism Commentary.

The Best Travel Rewards Credit Cards of 2018

by Michael Pruser @ Consumerism Commentary

Tue Jan 30 05:00:49 PST 2018

Enjoy free travel with this list of the best travel rewards credit cards of 2018. I’ve personally used several of these credit cards for free flights and hotel stays. It’s time to plan your holiday travel. That may mean cashing in the travel rewards you’ve accumulated on credit cards–or it may mean starting to use […]

The post The Best Travel Rewards Credit Cards of 2018 appeared first on Consumerism Commentary.

Stay Safe in a Turbulent Market with Certificates of Deposit

by banksadmin @ Banks.org

Sun Feb 19 23:04:47 PST 2017

It is very scary out there for the average stock investor. Roughly half of all adults in the United States own stocks. Most of those people own them through retirement plans they have set up at work. Most also do … Continued

How to Wash High Windows

by @ How to of the Day

Sat Mar 24 01:00:00 PDT 2018

Cleaning high windows can be tricky, especially if they are above a sloped area or in a hard to reach spot. High windows also tend to get very dirty, especially if they have not been wiped or washed in awhile. Though you can hire a professional to wash high windows, doing them yourself can save you money and give you the satisfaction of maintaining them on your own. By using an extendable pole on a day that is not too sunny or hot, you can have clean, streak-free windows in no time.