High Yield Savings Account Rates | Bank Checking

Jefferson County Federal Credit Union is offering a great special for those living in or around Kentucky and Indiana. The are offering the special on what is called their Rewards Plus Checking account. There are rules that apply to opening this account.

Lets start with the features of this checking account first though.

4.25% APY on balances up to $50,000, ATM fees refunded up to $15 per month, as well as rewards for balances kept over $50,000 per month. These checking rates are good as of 3/17/09.

Keep in mind however that there are monthly requirements as well. They are as follows.
One direct deposit each month, one ACH debit per month, one bill payer transaction per month, you must receive e-statements, and 10 debit card purchases.

The following counties in Indiana and Kentucky are all open to this deal. Bullitt, Henry, Jefferson, Oldham, Shelby, Spencer, Trimble, Clark and Floyd Counties. Bowling Green, Indianapolis, and Louisville are among the cities which we will be covering more bank rates on in these states in the coming months.

For any other information regarding checking, savings, or CD rates, please contact your local Jefferson County FCU branch.

Citibank has a special promotion on their homepage where you can get $225 worth of gift cards by redeeming 23,500 thankyou points. It would appear at first glance that the gift cards are automatic, but you you have to exchange these points which you receive as a member for different things you do at the bank.

You get a bunch of these thankyou points when you open a new checking account under the thankyou network. Obviously this is an opportunity for Citibank to get you in to open an account. e in mind their are restrictions, and if you are not careful you can incur fees by not following the rules of certain promotions to the tee.

Other ways to get points at Citibank is to open a money market account or a certificate of Deposit, or apply for credit cards with Citibank. Right now Citibank CD rates look to be set at 2.40% APY for a 12 month CD.

Citibank has a special offers page which you might take a look at, and it includes occasional deals for college students, special mortgage rates and credit card offers. Once again, read fine print and ask questions before signing up.

Zions Bank has a decent money market account rate, but not that great of a savings account rate right now. A lot of bank cd rates and savings rates have dropped since the Feds cut interest rates. Zions First national money market account rate intro rate of 2.75% is not too bad to start.

Zions bank just as many other banks are offering higher rates to online customers.. This is because of the low overhead. While CD rates continue to drop, even Zions Bank not the greatest at 2.02% at the moment, there still remains hope that rates will come back by some decisions made by regulation over smaller banks and online banking accounts.

Banks will continue to remain unstable until the economy starts coming back, and the  best options will still be to get online bank accounts with banks that may not even be located in your region. The internet has opened up the options out there for better investing and more compition between banks.

If you are interested in setting up a checking account or savings account with Zions Bank, just stop by a local branch. Zions bank is located in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington. Utah being their corporate location.

The Bank of Georgia has a great rewards checking account that pays 5.25% APY right now. They are currently offering this to customers who invest up to $25,000. If the minimum requirements are met then ATM fees are even covered.

• 10 check card purchases per month.
• At least one direct deposit or automatic payment per month.
• Statements are received electronically.

The catch is if these terms are not met, then the savings rate for The Bank of Georgia will drop to 0.25%. The deposit amount to start a checking account with this high yield is only $100. A visit will be required to open up this special checking account rate.

Branches are located in the following cities in the state of Georgia. Atlanta, Peachtree City, Fayetteville, Newnan, Tyrone, Sharpsburg and Fairburn. This is a great checking account so be sure if you live or work in the area to stop by a branch and make sure they are still running the special.

If you want a big bonus to open up a checking account, Metropolitan National Bank is featuring a Nationwide special for anyone that opens up a checking account with direct deposit being a minimum of $500.

There is an online application for anyone who would like to get this deal. All you have to do is go to their website and get signed up. Of course all the basic identification will be required. Once you have met all the requirements to get the $200, it will be deposited into your checking account about 30 days later.

The great pluses of opening this one is no monthly service fees, no minimum balance requirements and online bill pay is free. Metropolitan National Banks operations are based in New York City, and they have been FDIC insured since 1999. So any of your money invested whether it be a checking or savings account with them is safe.

An additional plus is no ATM fees, and foreign ones are reimbursed. Metropolitan National Bank also has a small interest of 2.25% with a $2500 minimum investment on their business money market account if you want to put your money in other places. Their CD rates are a bit higher as well.

having trouble deciding what to do with the extra cash you may have from a bonus or are you ready to invest in a CD but are unhappy with the rates? Another alternative is a fixed rate savings account in which you are guaranteed a specific rate of return. most commonly it is one year, but can be longer depending on the financial institution.

While the best fixed rate savings accounts are probably going to be with smaller banks, you can still find them with some of the most common bank. Bank Of America,  Wachovia and others may not advertise if they have one or not, so you will want to go ahead and check with each bank to see what the current rates are for a local fixed rate savings account.

Most of the times you are required to set up a feeder account in order to get your fixed rate savings account with a bank. If you have a checking account already, it is better to check with that current bank than going through the hassle of opening one elsewhere. Your best options to find good rates is to search the net for good bank deals. Specials are always starting and ending each week so it is difficult to keep up. If you have the patience, you may want to wait for the bank of your choice to have a special, or inquire of them frequently when they may start to get the best fixed rate savings account locally.

Venture bank direct offers a 3.30% savings account currently with a No minimum balance requirement, and FDIC Insured up to $250,000. their checking accounts are even higher interest at 3.50% APY. There are no monthly service charges, and its simple and easy to set up an account in a matter of minutes.

Currently Venture bank direct is one of the top 20 leading online banking in highest checking account rates and also highest savings account rates. The checking accounts allow for a low minimum opening account of $100 dollars and is easy to maintain.

The history of Venture bank goes back to a group of local business owners who got together and opened Lacey Bank in Lacey, Washington in 1979. In 1981, the bank’s name changed to First Community Bank, and a holding company was shortly formed in 1983. Following in 1987 mortgage lending services were offered.

May 2003 is when they began to make some changes in improving services such as checking and savings accounts, and at that time changed their name to Venture bank. Today there is currently operating 18 financial centers in four Western Washington locations. they strive to improve things and offer high interest savings and checking accounts to improve customer experience.

Yet another bonus from E*trade for opening a Complete Savings Account. E-trade is offering a $25 bonus which is good through 2/25/2009. It looks as if all you will need to deposit is $1 to receive your $25 bonus. There are however some restrictions and requirements in order to benefit from this.

E-trade has some of the most competitive savings account rates, and have had them for a while now. You might also consider Etrade’s checking account rates on the signature Max-Rate Checking, which has not been so good, as it only pays 1.50% APY for balances over $5,000.

E-trade also has bank cd accounts as well which you might take a look at as an alternative. The 5-year CD APY is only 1.70% but still pays more than the E-trade checking account.

If you are looking for an online savings account with a high rate, you might check out Dollar Savings Direct. They are a branch of Emigrant bank which has been around since 1850. There are no fees as long as you keep your account to the $1,000 account balance minimum. If you already have a checking account with Dollar Savings Direct, it is conveniently connected to you Savings account.

You can access your account 24 hours a day, and of course setting up your account online is a breeze. Emigrant Bank central locations are in New York. Manhattan, Bronx/Westchester, Brooklyn/Queens and Long Island. The bank was started in 1850 by Irish emigrants, and has developed into a very strong company with over $14.3 billion in assets.

You might also consider the decent CD rates they have as well. For just a 16 month CD at 3.50% with a minimum deposit of $1000 you are sure to enjoy a nice return. All accounts are covered by the FDIC up to the maximum. For any other concerns you will want to visit their website.

Compass bank is offering another special to get people in and signing up for checking accounts. Right now you can get up to $150 for opening a new checking account with a minimum opening balance of $100 at Compass bank.You can do this in various steps which will list for you. This offer is good at Compass banks located in AL (Alabama), AZ (Arizona), CO (Colorado), FL (Florida), NM (New Mexico) & TX (Texas).

In order to receive the first $75 you will need to use either the Online Bill Pay or Payroll Direct Deposit on the new account. To get the other $75 it requires you to setup automatic transfers from the checking account to a savings account.

Another nice bonus with the billpay is that you can make payments online with your account anytime you need to with no hassle. There is some fine print about receiving this money, so you will need to read more on the details, but a few obvious things are making sure to keep your account above the $100 mark, and also using the options that are required for you to be eligible.