Best way to make money in ultima online

Posted: iukpshl Date of post: 05.07.2017

This article was written by Richard Barrington in BankingSaving. The best high-yield online savings accounts offer strong interest rates and great customer service, making them a popular option for savers. Studies also show online savings accounts often come with lower fees. This trend will continue until banks and credit unions need more cash from depositors. In a perfect world, interest rates offered by banks should beat inflation while preserving the balance without risk.

best way to make money in ultima online

I am not aware of any bank offering a savings option with ongoing interest rates high enough to beat inflation, whether measured by the government-reported CPI-U or by any other meaningful measure of consumer prices. Nevertheless, if your savings is at a brick and mortar bank earning below 0. When evaluating customer service, there are two important factors to consider. The best banks offer all account maintenance and transfers through a professional, reliable, and easy-to-navigate website.

Secondly, live customer service representatives should be knowledgeable, helpful, and available, although customers should have to deal with a representative infrequently if at all. Based on my own experiences and reviews from other Consumerism Commentary readers, here are the most-recommended accounts for short-term savings.

All of the listed interest rates directly below from our partners and in the table that follows are current but they are subject to change by the banks. Choose one that fits you the best. First, here is a list of the latest interest rates.

Following this table, I offer a few of my own observations and opinions about savings accounts from nine popular online banks. Barclays is a large, international bank that has been around for years, and operates in over 50 different countries. Barclays offers a 1. Capital One offers no fees and no minimum balance requirement.

Like ING DIRECT before it, Capital One also has a great website and excellent customer service. So far, managing your money with Capital One is just as easy as it was with ING DIRECT. Capital One offers a current interest rate of 0.

Ally Bank was selected by Kiplinger Magazine as the best savings account for Formerly known as GMAC Bank, Ally Bank provides an interest rate for their online savings account of 1.

Click here to apply. EverBank has a variety of products including a high yield checking account, a money market account, and world currency CDs, all with top-tier interest rates. FNBO Direct offers no fees and no minimum balance requirement. FNBO Direct is the online arm of First National Bank of Omaha. FNBO has an interest rate of 0.

Discover Bank offers a solid online savings account with a fast opening process; my account was opened within twenty-four hours. The current interest rate for the Discover Bank Online Savings Account is 1. CIT Bank was founded in in St. Louis by Henry Ittleson. Throughout the 20th century, CIT continued to grow, in all sectors. CIT Bank, an FDIC-insured institution, serves consumers and small businesses with certificates of deposit, savings accounts and custodial accounts.

CIT Savings account offers 1. SmartyPig currently sports one of the better interest rates you can find online at 1. In addition to the high interest rate, you can also convert your savings goals into gift cards and earn an additional bonus for each gift card conversion. SmartyPig is not a bank by itself, but it is a goal-oriented savings vehicle, a layer, that can be compared with other savings accounts. HSBC Advance offers no fees and no minimum balance requirement.

HSBC Advance Online Savings Account has an interest rate of 0. Lending Club Investing offers a significantly higher return than most banks. LendingClub is a social lending site where you can invest in loans issued to individuals and businesses. The most recent average net annualized return for notes by grade A to C is between 5. While these investments are not FDIC insured, given the low interest rates paid by banks, LendingClub may be an alternative worth considering.

What is your favorite online savings account? Share your thoughts in the comments below. For more banks to round out the selection, see this list of savings accounts interest rates.

I have been tracking the rate changes for many years now, and this list gives you an idea of which banks have been consistently offering the highest interest rates.

Updated June 9, and originally published December 15, View all articles by Richard Barrington. I have three high interest savings accounts. I tend to move my savings around based on interest rates. The money I keep on hand in cash is generally for my emergency fund. Reply to this comment. If it had a better rate, my ING account would be my handsdown favorite… love the automation and subaccounts feature… because of the low rate though I mostly use it to fund my sharebuilder account on short notice.

Absolutely horrible system to get into your account and zero accountability or knowledge of how to work their horrible system. Same horrible experience with HSBC. They screwed up my application, and after 3 weeks of trying t o get it sorted out, I just gave up.

Could not agree more. Also when HSBC met Regions in trying to set up something as simple as wire transfer, the awfulness multiplied exponentially. Their savings account rate is 3. I also have FNBO, but keep more in ETrade still just because of the slightly higher rate.

If they drop to 3. My Emigrant Direct American Dream Savings account dropped from 3. Also my Schwab Investor checking dropped from 1. I also have a Venture Direct account and the current rate is now 1. So, I was wondering have you found a better rate at another on-line bank? They have very good rates on both types of accounts. I use the savings account as a funding source for Sharebuilder and so far no hiccups. I talked to a CSR on the phone about a month ago regarding CD funding, and that went smoothly, no hassles.

I also have a HY eOne checking account at salemfivedirect dot com, and that has worked out well too.

best way to make money in ultima online

They give you checks, a cash card, and ATM rebates. Their bill-pay is OK too. Be with GMAC for about 3 yrs. Love ithave 2 MMA at 3. My college kids use ATM to withdraw money with the fee rebate automaticly at billing cycle. I had ING before. They rate just too low now! I am disappointed that their rates have dropped to 3. Customer service is OK — they had an issue recently where their computer system kept automatically sending out letters asking for a signature for your initial deposit. After I received the second letter I called them and they apologized, said that it was a bug.

Overall I really like the account. I also had a very bad experience with HSBC direct. I bellieve it is the worst customer service I ever had with a bank. I love GMAC bank. I open with them at 3. Very quick and easy money transfers though. Having a bad time with UFB Direct: Have had Much better times with INGdirect, Etrade, EmigrantDirect, Capitalonedirect, FBNO, Flagstar, WAMU, WescomCreditUnion, ShorebankDirect, UnionFSBDirect, ONBank IgoBanking, CNBbankDirect, AmtrustDirect.

They seem to be able to handle the Overload on interest in a Oddly named bank and are taking new accounts again. FNBO will not allow initial account funding by electronic transfer. FNBO Direct does allow initial account funding by electronic transfer with your routing number and account number for the funding account. To fund your account electronically, you will need your current bank account and routing numbers.

Please utilize an account that allows electronic deposits and withdrawals. Also, they do customer support via twitter and Phone. No phone hold time or anything. I wish I could open a checking account with them.

SmartyPig has turned out to be the worst banking experience for me. I just tried opening an online savings account with Ally bank, but unfortunately I was denied due to my bad credit. I was extremely disappointed since I wanted to take advantage of their outstanding products.

Noy sure you would have any better luck with them, but American Express just started a Savings account online as well. Had to read a bit into the details file before I found that they state that there is no mininum starting account to open a account. Have not tried it yet. Maybe next month, if funds are avaliable for me to do so. Got the account open at American Express Bank. Looks good so far.

What is your opinion on opening an on-line account with Ally Bank formerly GMAC Bank with GM on the brink of bankruptcy? Everyone I have spoken to within customer service has been very polite and easy to understand. I have not had a problem to speak of so I can not comment on their conflict resolution… but that is not a bad thing not to be able to rate. Only downside I have experienced is that my interest rate has dropped by a point so far, but most banks promoting the online savings accounts have done the same.

That was the easiest time of opening a online account I have EVER had! Terrible interface, slow transactions, and I have reason to have serious doubts about their security.

I have ETrade, ING and HSBC. I like ETrade the most because transfers are instant. But since their interest rate is lower than the other two, I only keep low balance at ETrade. HSBC is a global bank, so is ING. With ING and HSBC, there is a waiting period before you can move your money.

I opened 2 sub-accounts for my kids. I also got lucky about 6 months ago. I knew rates were going down and I locked into a short term CD at 3. Unfortunately, most of the short term CD rates now are lower than the savings account rates. Does anyone have experience with Discover Bank? I finally decided to move my money from Venture Bank Direct now paying 1. Provident is paying 2.

Better than Venture Direct. They have a three-month promotional rate of 3. It made it so easy to transfer funds between the 2 accounts. They were always available, could do everything by Internet, and a breeze to set up. E-Trade use to give great rates, but now they are. So I am now on the hunt to find a better paying savings account. After reading many reviews and comments, I came to the conclusion to base my decision on a few factors: As we have seen, they can change very quickly and there is usually a hitch and hoops to jump through to catch that higher rate.

Come-on, welcome to the 21st century. It took a total of 10 minutes to fill out the online application, transferred my funds, and received confirmation and an account number. Their website does not tell you that you can transfer funds OUT without charges, and that they offer Bill Pay. You can follow my progress here and I hope to have a review soon. I have had an account everbank for about 9 months now.

Very good experience and customer service. A live person answers phone right away unlike voice mail hell from hsbc and others. If anyone wants to open up a new ING account, send me your e-mail. Totally legit…see it on their website. Yes, I feel like a whore, but times are tough. You may want to consider adding Beacon Federal Bankcorp to your list. They offer flex accounts, with consistent high yields, currently at 2.

They are FDIC insured. However, there are 2 negative points: I have an ING account that I opened in and have been happy with ever since. But now that rates have dropped to 1.

Ally seems like a pretty good option. Considering them as well. But what do you think? Stick with ING and wait for the rates to go back up?

Or switch to a higher yield now, with the chance the rates will drop more? I have 3 online savings -one at Emigrant — started out at 4. I do not agree totally with Cheryl in terms of not chasing rates…it is a pain and of little gain sometimes BUT there is the factor that moving your money in and out to get the best yield sends a message to the banks that keep dropping and to me that is important.

They have a great website…. I have just had a horrible experience with FNBO. I completed a transfer from Chase to my FNBO account through FNBO, and they took the funds from my Chase account TWICE. Naturally, this resulted in an overdraft of my Chase account. When I called, they simply said they knew of the problem, and it wasn't just me… it had happened to everyone who had made a recent transfer.

They said there is nothing they can do until they figure out the problem. They said it happens a lot… I don't know how that is supposed to make me feel better. So now I am stuck with huge overdraft fees because FNBO screwed up, and they appear to be in no hurry to fix it. I am closing my account as soon as I can get all of my money. Now, Beacon has stars but I am still worried. Why was going public important to their operations?

I loved the bank before the transition because of the good returns an FLEX accounts. Now the pressure is on to lower interest rates to widen profit margins to produce dividends. Risky investments are part of the malaise. Seemingly big retirement bonuses and rigged buybacks are unsettling.

The interest rates are no longer attractive with the 2 starred sword of Democles poised over the Bank. Reducing mycommitment might be wise. I opened an account with Discover Bank about two months ago. I have had nothing but trouble with it. After opening the account, you are supposed to get a welcome kit in the mail in days. I took 3 weeks for me to get mine. However, the biggest problem I have had is with the Discover Bank website.

I submitted the application for online registration so that I could access the online banking. You are supposed to get a response within days. After a week I still hadn't heard back from Discover. I got no help from customer service. After submitting a second application for online registration I finally received an email that said I didn't qualify for online banking. I don't understand that. Since then I have made several more attempts to view my account online, but I've had no success.

I have finally given up. I am closing this account as soon as the 90 days is up so that I don't have to pay the early closure fee. The interest rate is definitely not worth the hassle for this one. I have had my fair share of online savings accounts and I have never had this much trouble with any bank. ING Direct is the best. Have multiple orange savings accts for different things, normal savings, travel fund, vehicle fund, etc. Use the electric orange as my primary checking account.

Customer service is absolutely fantastic. Their electric orange bill pay is the easiest thing ever. I get an e-bill through ING bill pay with my Amex which makes things even easier. Anyway, years later and I have my own AmEx card now and always had a positive experience when calling them, etc. And their website is so easy to use! I've had them since I was like 17 or They answer the phone within seconds and there's no ridiculous automated system to get through.

I've had a wonderful experience with Amex since my parents added me to their account when I turned 16 and got my driver's license and became their personal assistant. My dad has like 3 amex cards and it's easy to see at a glance the balances and stuff. They've overnighted me a new card for free every time I lost it which happened a lot when I first got my parents card back in high school years. So I'm sure their online savings account customer service is superb as well. I used to be with FNBO until they chopped their interest rate to around 1.

Just FYI E-trade sent me an e-mail saying that they are getting out of the online savings account business. I see a number of second-hand reports, but nothing official from the bank yet. I see that your article claims to be updated as of February 15, Just last week, I was informed via email that they are discontinuing these accounts to focus on their original purpose of trades and other investing. They are transferring all online savings accounts to Discover Bank.

I have also been a Discover Bank customer for almost a year. They recently upgraded their website and the interface is much easier to use. Their customer service is knowledgeable and courteous. They are offering a 1. While both rates are variable, the premium rate is guaranteed to always be greater than or at least equal to the standard rate. ING Direct — More than 7 years of expirience, competitive rates, excellent customer service and one of the best on-line interface.

Very easy to use. Metlife bank — More than two years of experience, rates were competitive upon opening of the account, and then dropped to ridiculously low numbers, so-so on-line interface, average hassle when closing account. HSBC — More than 3 years of experience, competitive rates, terrible customer service, terrible on-line interface, and major hassle upon closing account.

ING has seen its day. I have ben with this company for 15 years. They started out with an awesome mission statement, great customer support and service, and the owner did everything he could to offer the customers the best rates on the money they put into his company. Over the past 6 years, as the company grew, the owner had more of an interest in spending the additional funds he would give for a higher rate of return to his advertising needs.

All of the sudden, every marathon, city street fair, etc. To me this is so sad, because his loyal customers who have been with him for years were all of the sudden not getting on of the top rate of returns on their money they put into his company.

Why he chose this other road I have no idea. For the Orange Checking Account, his rates are average, nothing like they used to be. ING has made it very clear lately what they think of their customers. How sad to go from a company who treated its customers as if they were the back-bone of his success to a company that treated the customers in an average way.

On top of this the customer service has plummeted own to where the majority o other online and web-based accounts are. The good ole ays are gone with ING. Completely disagree you are unfortunately not clued in on how the process works. That is why ING started with the checking account to make money on the processing side. Very simple customers are nice but the business model has to sustain itself — Furthermore you refer to ING as a him — ING is a multi-billion conglomerate, they know very well what they are doing and how to make money.

Frankly, it makes no difference to me what points you are stating as long as the company is doing well, has a good track record with great customer service and the way the executive handle the money. This company, if you want to look back at how a great company used to be run, take a look at this company when it first opened and 10 years after that.

I suggest staying away. I bet the person recommending Flux actually works for the company if it even is a company. Flexo, thanks for the warning about Flux Holdings. I guess Flux Holdings comes under the category of it should too good to be true.

I saw they have a five-star rating from Bankrate. Their rates look great and added bonus when you have a credit card with them too. Anyone have experience with CapOne? I use Capital One for about a year now. Had ING and Hsbc previously but Cap 1 has a better rate than either of them. I have had no issues with them to date. I really REALLY like their direct banking customer service. Website works easy and well.

No fee for foreign currency withdrawals if you are overseas and use the ATM card. I have been with Capital One Online Banking since it started and only recently have I been severely disappointed. I also use Wells Fargo and never saw such nonsense from them. Then came the clincher with Capital One. I had to do a change of address and a few weeks later my neighbors are getting my statements!

How did that happen? I typed it myself online… I investigated and discovered all the online screen does is send an email which can be seen in your sent items to someone who then types it in to the system. What is this ? To make matters worse the system ignored all subsequent attempts to correct the error. Yes, literally ignored, no warning or notice, just ignored customer service claims this is a security feature.

My other gripe is it takes too long to transfer. I have an account in Bangkok that gets the money to my liquid checking account within as many hours as Capital One takes in days! We can only hope that perhaps with their purchase of INGDirect, Capital One will transfer accounts. Long term a home is a great investment, inflation or not!

Home ownership locks in your monthly housing cost on principle and interest. The additional cost of maintaince and upkeep are still much less than what you would be paying out as the rents to up each year. The other angle is leverage. Think if it as renting to yourself for 20 years. Article on front page yahoo says home is a breakeven with inflation is nuts! I had one at E Trade, but they shut down savings accounts and transferred them to Discover Bank.

Not as concerned about the rate as I am about quick availability to funds. I too was with ETrade and was bought out by DiscoverBank. The Premium Savings is earning 1. I take my Discover Bank comment back. It took 3 days to get a transfer from my Discover Bank savings to my Chase bank Account.

Pops, very good informative comments. Was with E Trade that had that, and they shut down savings accounts and transferred tehm to Discover. What do you suggest? Thanks for your time, Mike. ING has lousy rates but very fast transfers also. Concur with pops on the Amex Savings account — fast transfers appears in the account the 2nd day Online: American Express Savings Account, held for 1. Opening an ING Savings currently… Brick: These are all FDIC insured.

All three of these banks are in Oklahoma and owned by the same family. Their online pages share similarities, as do their toll-free help lines separated by one or two digits. They pay interest on the third Wednesday of the month. Sometimes there are 28 days between third Wednesdays and other times as many as 35 days.

Transfers are very slow and take at least 6 business days to execute. I usually do the math and schedule a tranfer equal to the anticipated interest from all three to my Sallie Mae account 1. So every 6th month I make a deposit just before the statement period ends, then pull it and the interest back when the period ends.

We make better investments and pay you more! Whoever Flux is… they got typos on the name of their company, and are probably fraud: A legitimate bank does not register their websites with godaddy, and will provide various contact names and information. I have a question about the new HSBC Advance. If I had opened HSBC Direct savings account with HSBC Online Payment account, then I would be allowed to use an ATM card. The HSBC Advance account is no different from the HSBC Direct account.

All that has changed is the name. Hey pop and others, I am currently an ING direct user and thinking of switching to Amex savings for slightly better rate. Can you compare just thosetwo side by side? Does Amex have subaccounts? Does Ing have monthly withdrawal limits im not sure of?

Compare customer service Thanks, grandesob. Keep the ING account open to preserve the features you like and transfer the excess funds to AmEx 1. I like everything about ING except the interest rate. Same for Emigrant Direct.

Both are very easy to use and have never given me tight jaws. But the interest rate is the pits. They are less handy to use and transfers take about a week to settle, but the return is unbeatable right now. Same for Evantage Bank. Both are owned by the same family that owns Redneck Bank and are FDIC insured. Yea, I used to love ING and was a very faithful customer. Being a exercise physiologist and working with many athletes; marathon runners, and also help with organizing the after-event activities.

One day, when the rates started to plummet, which was way before the economic crisis, I was traveling all over the Country to help my clients and the organizing organizations set-up the runners first aid mark minervini trade like a stock market wizard review, and other activities they put on.

ING all of the sudden had to pay big bucks to be right at the Start and Finish line and a larger tent at the entry area to the after-race activities. Everything they gave out was orange, balloons all over that were orange, and after a couple of these I realized they had changed their company tactics to give the best rate to the customers, because they could. This is how it was when they opened for the first years, as far as I can remember.

I just think it is sad when you have an owner who seemed real sincere, after watching an interview on his one of a kind Harley made just for him in front of his mansion.

Just my opinion, but I saw this same thing at all the events I went all over the Country that started around or so until the last one I attended about 10 months ago. Great, pops… all of those funds AmericaNet, Evantage, Redneck are all sold out and closed at 1. I just graduated law school with some nice school loansbut I also just passed the bar and I am working. Right now my fiance and I each have a checking account, one in bank of america and one in RBC.

I am not really familiar with all of this stuff. Now that I am making money I want to start saving money and make that money work for me. I have excellent credit, but not a whole lot of cash to put in the bank. Now, with all of that said… can anyone offer some advice on where to start with savings accounts?

I want to get one of two going that money is going to be put into every month. I want to get enough in one for our emergency fund and then get another that I can just watch grow and move around. If anyone has some advice it would be greatly appreciated as this is all new to me!

Also, I am going to move my RBC checking account asap. If anyone has suggestions there to that would also be great… I am considering USAA for my checking since my father was in the Army.

They are who I do my insurance through and I love them. I have been trying to find information about savings accounts with higher interest rates than the norm.

If anyone has anymore info about any experiences with them it would be greatly appreciated. I have used SmartyPig in the past as well as currently. I was very pleased with the experience. For me, I like watching the amounts for my various goals grow and knowing I have money earmarked for certain things. I had reached one of my goals and chose to have the money deposited back into my checking which took days.

For me, that delay in receiving the money helps me resist impulse transferring. The one negative thing I will say about SmartyPig is that it take days for the money to leave your bank account and end up in SP goal.

I will continue to use this savings account as it is simple and straight forward. Have been with SmartyPig for a year and have had no problems whatsoever. Best rate, simple saving. Love the gift card idea for getting even more return on my savings. If all you want to do is save money this is in my opinion the best option. I went to Account receivable work from home and got all confused.

I was hoping it would be pretty straight-forward but it seems like they have several options and some different things going on. I forex 5n kitap love to close my local Chase account after I learned how they treated the servicemen and women while overseas.

It was just the most disgusting story I have recently read. I wish I would have heard what their penalty was, if any. I guess it could be a savings account but how do I send in a check for my mortgage, cell bill, power bill, etc.? I do not like it when the financial institution is set up to draw the money they need.

I had that once with Chase, the worstwas using my debit card for purchases from this local store only to find out what transaction paper I was signing was NOT what the local merchant actually put through to be drawn out of my account. Yes, it was much higher than I signed for when I made the purchase. I could not believe my ears. No, they had the original transaction paper I signed for the purchase with the total I signed and agreed to.

For the merchant to raise that when he submitted his papers to the bank and Chase expects me to pay because the merchant raised the transaction total. I asked her, so why do they do an approval of the amount using the debit card from Chase if that means nothing?

Also, the transaction receipt I sign is the total I agree to. I thought why even have this debit card if this is what it all can mount to.

So I would like to deposit my balance from Chase into a good account with a decent rate and no ING is not it, they have seen their day. Can anyone clarify this for me? When I look at their Rates and Fees, I see this:. I was assuming that the minimum opening balance was the same as the daily minimum balance. I have had an ING account for almost 5 years. Their rates have been historically competitive I opened my account in at 4. Transfers are completed within just a couple of business days.

I have had NO problems and would definitely recommend ING. They have several different CD options too for long term goals. Best of luck to best way to make money in ultima online. Take a look at Hudson City Savings Bank.

Here is a direct link: Has Hudson City Savings Bank had their rates stay pretty constant the past months? I am looking to move out of ING and Chase for my checking account, but going through chemo, I dread the hassle of signing up for new accounts and linking one of the accounts so I can move money from the account with the highest interest where the lump sum of the money will be to and from the online checking account.

I do not like ING online checking account for several reasons, but mainly because they keep changing the rate and now they are adding int and some other charge. Plus they will not provide me with the address the BillPay accounts will be sent to and one Sears went to the wrong address and I got slammed with a late fee.

I send the customer service a complaint email and telling them that the message center send me instructions on how to find the address the payment will go to but it does not provide me with the address. A lady sent an email back telling me that if I was not happy with ING I could take my money elsewhere?!

I was shocked by that reply but I guess it is a sign of the times we are in. ING used to be super. Chase, from what they did to the Men and women in the military made me so upset, i cannot keep supporting that joke of a bank. Thanks for this article. I was researching online banks since I need a good high yield bank that I can use for my personal savings. I need something that will make it a little difficult to get my money out. This will help me to do something to realize my plans of having the money best way to make money in ultima online school and to take time off work.

Did not know there were so many to select.

Best Online Banks of

Now I can look a little more at two of these. All those are good, but you could look at Flagstar Direct as well. Savings, Express savings, Money market savings and a few checking accounts. Also check out your local Credit unions with more open membership rules.

My Accounts at Wescom CU are the base from all my othere online banking branchs out from. This account process has been a nightmare! We applied over a month ago, and a week later we got a letter requesting a letter of identity verification from our bank. We went to our bank and sent that in, and then 2 weeks later they sent another letter requesting a letter from the social security administration.

Are people supposed to take a day off work to wait a couple hours at the SS office for a lousy savings account? To clarify, this comment was directed at the American Express High Yield Savings account. The interest rate is one of the best, but the hassle is not worth it. There are many online banks with similar interest rates right now. Thats odd, I had absolutely no problem at all with American Express.

Maybe because I have their credit card. But it was actually too easy, and only took a couple of days after applying online. I will say though, the website is very raw and less user friendly then ING direct, which if itwasnt for the rates, I would put everything in.

I have had an account at Emigrant Direct for a few years now. Two times I looked and compared rates and American Express Online had the highest rate, so I was thinking of switching over to them. Can anyone give me more experiences and recommendations in this regard? I also have had problems setting up an acount with American Express.

When that went through, I logged in to confirm that they had the right account and I tried to finish the verification. I called AX this morning and they said that they were having problems with the AX savings account web site and to try again later today.

A call to customer service confirmed they are still having problems. It looks like their online system in not robust e. Have people had any problems with ING? I am a new mom and want to open a savings account for my daughter. What would be the best bank to do that with???? As my balance grew, I saw that ING Direct was offering 1.

I like having both accounts. I recently had been seeing Sample call option contract advertise for an online checking account with one, if not the best, highest rates of return.

This checking account was advertised everywhere, but recently I have not seen it advertised at all. Does anybody know if this AMEX checking account is still around with the rate of around 1. If not, anybody know of a good FDIC insured checking account with a good rate online is usually the only accounts you can get the best rates?

Again, on the news, I heard how this Chase rip-off Bank again has performed illegal activities by charging outrageous fees for various reason. I have been with Chase since they took over WAMU and because of their evil ethical standards and their desire to acquire as much money as possible by ripping off Americans.

If you did business with this company for a month you would get how much money does drew brees make per second of exactly what I am talking about. Anyway, sorry if I got you confused as I went off on the loser Chase Bank, but if anybody knows of a reputable bank who has a higher rate on their online checking account and that rate has been around for at least a few months, please let me know.

Because of what Chase illegally did to our Service men and women, I would encourage anybody with late night forex bureau in nairobi Bank to look elsewhere to put their money. If you get a chance to read some of the stories that made it to the Nightly News, you should o that and I think it will help persuade you.

The best rate at the moment is from the three banks owned by one family, Redneck Bank, AmericaNet, and Evantage. They are paying 1. Over that pays 1. I agree about JP Morgan…. Right now JP Morgan is hurting because they have been shorting silver. The silver contracts are coming due soon and they are going to have to purchase physical silver at higher market prices to honor their contracts. Look for silver to spike considerably deferred rent statement of cash flow the near future.

POPS I WAS ACTUALLY LOOKING FOR CHECKING ACCOUNTS AND I STATED SAVINGS ACCOUNTS. IF ANYBODY KNOWS A GOOD ONLINE CHECKING ACOUNT BESIDES ING DIRECT LET ME KNOW. THEY GOT TREATED LIKE A BUNCH OF FOOLS AND WHEN THE SOLDIERS CALLED Jesse livermore worlds greatest stock trader download FAMILIES FROM THE WAR ZONES, THEY HAD TO SPEND THE WHOLE TIME TALKING ABOUT WHAT TO DO IN ORDER TO SAVE THEIR HOMES.

LOOK FOR WHAT THIS BANK DID TO THESE SOLDIERS. I THINK YOU WILL SEE HOW IT DOES NOT COMPARE TO MOST ANYTHING EELSE THE BIG BANKS DO. I unfortunately still have a back up credit card with trading exotic options pdf which doesnt get used much and hopefully I will replace sooner then letter.

Sad to hear them treat Americans this way, damn shame. I have left several posts here but I will leave one that is not so long. I see they have great resources on this website for savings accounts and if I needed one to replace my ING account I would go with AMEX. I tried to check the address they wee going to send my Sears payment to and they said they have all the current address if the company is in their database. After all of that I found out it went to the wrong address.

They say they will pay any fees for errors like this but they would not pay the late fee I got dinged for when my Sears payment was sent to the wrong address. I guess it was the right address for people living in the East but not in the West where I live Utah. Any thoughts on a savings account that has had a god rate like AMEx at 1.

Also any thoughts on online checking accounts with decent rates? Also, since I use my ING account to fund my other brick and mortar accounts when they need money, just the thought of going through that process again and getting that all set-up seems so overwhelming.

Also, a lot of online savings and bank accounts have so many rules and regulations, in order to actually get the higher rate it seems like it might take a full-time person to make sure I am abiding by all the rules.

I used to love and recommend ING. Their rates are not the highest anymore. When rates used to go up, they would send you this great celebratory email. Now that rates go down, they slip it in without sending you anything.

It is buried on your statement if you read it carefully. I sent them an email saying this was disengenuous but they still do it—-just did it recently. They should have to notify you if rates go down, it seems decent if not mandatory. Looking around for alternatives now. I go online and check the rates. In case it helps you at all, if you sign in and go to your account usually the current rate is posted on that page that has your most recent balance, the name of the account, etc.

The payment went to the address they had in their database, but just as I thought, the addresses for payments can be different depending on what state you live and both JC Penneys and Sears went to the wrong address and I got a late fee. They will not pay the late fee even know I begged them to know what address they were using. DOES ANYBODY KNOW AN ONLINE CHECKING ACCOUNT THAT HAS ANY DECENT INTEREST RATE WITH CHECKS? The Federal Reserve is keeping interest rates low, hence financial institutions will only offer low interest rates.

Therefore no bank in the US, whether local or on-line that will offer the public an attractive interest rate. If an investor has time and money, perhaps the best investment would be CDs or I-Bonds. As for ING or any other financial institution that does not allow a customer to view the address of an issued payment, drop the financial institution. Local banks throughout the US offer Free On-Line Banking and the customer has complete control of vendor addressing. I would have dropped ing a long time ago.

I sent the President an email about this problem of not being able to view the billers address from their BillPay. What I am concerned about is that if I close my ING account which is the Orange checking account and move it into another bank that is a checking account, the int rates move down so quickly.

I am not sure what ING is today but it hovers around 1. If I did what Poops did hook around 12 accounts to one main account, I would get so lost in all the rules about must have this minimum balance or these new rules will be implemented the changes usually come in with a statement or another how to make money by robin banks type paper with tiny print and is so unclear.

Ing used to allow on the see the Billers address where the payment is going but for some reason they changed that. I keep telling them that I got a technical analysis in stock market mumbai fee because of their new policy and concord nc stock market being able to see how many rupees earned by dhoom 3 payment address.

I went on to tell them that large companies like Sears, for example who uses citibank wants their customers to send their payments to the address that corresponds with the state they live in. Getting the other accounts hooked up to the checking account is not something I look forward to, but if I could know where my payments are going so I don;t have to worry about getting a late fee and an int rate charge, that would help my situation right now.

It provides paper checks and paper statements though I seldom use paper checks anymore. I have it linked to 12 yes twelve online accounts that pay interest. I keep two thousand dollars in it as a cushion for unanticipated expenses and sweep everything over that into whichever online account is paying the highest interest.

If one cuts its interest rate, I simply direct future deposits to another linked account. Sometimes the online outfits offer very attractive teaser rates for a period of usually 3 months. This takes about a week to ten days start to finish. I use a mastercard from Emigrant Direct that pays a 1. Every six months, they credit the account with the cash rebate. I put every thing on that card I can and never carry a balance.

So I usually only have to write one paper stock market crash on 9/11 month for my water bill. They will send you a debit card I declined. I use them as savings accounts because you only get 6 free withdrawals per month and their transaction times are quite slow.

What I need is an online because they usually have the best rates CHECKING ACCOUNT. I actually do not know the difference between a Mega money market checking account and a regular checking account. It seems like more of the online savings accounts generally have the best rates.

I will not use a debit card again another ING Direct story when a merchant used the tip line on a few paper receipts that I signed but did not cross out zenn stock trading tip line, so they decided before they sent it to the bank ING to add a tip. Long story but I was basically told that the Visa logo means noting on the debit card.

I heard so many stories by the ING customer reps, most being totally non-supportative to this rip-off scam. Anyway, if the mega money markets are checking accounts I can find a decent one with a good rate.

I would prefer a recommendation from anybody here who has had a longtime relationship with one of these companies and the rate they have been giving for the checking account balance has pretty much remained stable, please let me know.

I will find another either savings or another checking account and link the two so I can move the money in and out but keep the highest balance in the account with the best rate and try to set up something like a BillPay which I like a lot better then having the bank get the bill and pay it without me even making sure I agree with the balance and the other stuff that is on a statement. I went to the following sites Redneck, AmericaNet and Evantage to review the Mega Money Market accounts which have an attract rate of 1.

All three Redneck, AmericaNet and Evantage on-line banks have sold out the Mega Money Account portion of their account offerings. I checked out FNBO Direct. The registration process went fine, but they are so incredibly slow with transfers to and from the account, I just gave up and closed it.

Not sure if I have out-stayed my welcome, but replies to my questions have diminished to zero. I am looking for an online account to take the place of the ING account electric orange. I would like to have one that has good rates and the rates have been decent for a while. ING has gotten into this habit of lowering the rates without any notice, so if fundamental analysis of indian stock market have ING, you might not be getting the rate you think you are.

I am sure I can do better, but I just do not know where. If anybody has had a good experience with an online bank, is fully above the board and FDIC, and has a rate better than the current 1.

Currently, their rate is 1. I have been with them as my primary online savings for over 2 years now. The premium account guarantees you a rate greater than the standard rate. Opening the account was easy, but transfers to and from other banks do take a full 3 business days to post. The website is pretty simplistic and easy to use.

You are limited to 6 preauthorized withdrawals per statement cycle. Let me know if you have any questions. How does Discover Bank treat you? Chase is the worst I have experienced. Do you know how long their rate has been at 1. I need a checking account, which will not be as high as savings. I hate to see companies start out smaller, give awesome service, the best mission statement until they start making a billion then you start seeing the CEO, President on his new motorcycles, in front of their new homes, and the company falls right in line with the others.

I can remember when I was with ING the first 8 years. I made the switch from EmigrantDirect to SmartyPig a couple of years ago and I absolutely love them.

Backed by the FDIC, competitive rates, no minimum balance, and no transfer fees. Interest is compounded daily and paid quarterly. My wife and I love that we can set up a long term savings goal, as well as any short term goals for bigger expenses that we see coming down the pike Christmas, birthdays, extra mortgage payment, etc. I checked out SmartyPig. Is it like a regular bank? Are there several accounts they have like a fee-free savings or checking or anything else you can pass along to someone looking at changing from ING to SmartyPig?

I could not find much on the business side of SmartyPig like who owns it, is it owned by a Board, etc. I felt like I was trying to help my niece how to save for college, which is a great endeavor but not something I am currently looking for. The website it easy to follow, and you can create and edit a number of savings goals. They currently have 1.

You never just look at rates. You have to consider whom you are doing business with and what they intend to do with your money. As for ING, if you would take the time to do research, you would know that they, too are belly up and have been for a long long time.

They also took a bailout from their government and as part of that bailout deal, are required to sell of the US division, Ing Direct. There are some potential buyers showing interest like Citi. They are one of the big crooks that took down the financial system to begin with…. It certainly opened my eyes.

So, now I vote with my money. I vote not to ever give a dime to any of these crooks who pay themselves exorbitant bonuses and salaries and have never even been prosecuted for robbing people of their savings and their homes not to mention jobs….

Being a smart investor has nothing to do with watching advertisements or rates even. Just learn as much as you can and find the ones who were never in the red to begin with and who refused TARP money. Unfortunately, I am speaking for myself I was not lucky enough to learn from a father or other relatives who had the knack for investing, but for some reason they looked at it as a secret.

I guess that stems from either not wanting somebody to out-due them or not be responsible for their losses. When I tried the Financial Mutual Funds Book for Dummies, I did not have a clue what they were talking about.

I have tried to self teach myself, but I really have a hard time grasping what the heck it is the articles are saying. So rather then putting down people for whatever reason have not had the same fortunate story you have which helped you learn what you think we should get from reading a newspaper. I would like to have a small amount of your knowledge.

If you can give suggestions rather then a put-down, I would like to hear what it is and how I could learn some of what it is you have that some of us need, would be a good way to share your knowledge.

If you believe it or not, when you help pope, it generally comes around in a much lager package than you could imagine. JAM after reading your interesting prospective on investing, am curious with whom do you invest your money?

For a time, it seemed prudent to chase ever diminishing rates of return until now, no matter who one picks, the return is abysmal. Now, I see little to no value in federal reserve notes in the near future.

Our roaring 00s are about to end and anyone holding paper money is going to be sorely disappointed in its worth. Soon the paper will be worthless Having precious metals will help if things just get really bad without falling completely apart.

The streets will be filled with hungry, desperate people and, for a time, it will be survival of the fittest. The government will be no help and will, in fact, be another obstacle to be overcome for survival. What will you do? A year from now, one of two outcomes will be apparent. I vote for silly…. Any suggestions on a reputable company who you trust with your precious metals investing? Are these mettles that you actually hold in your hand and put them in a safe deposit box or work with a company that keeps the precious metals for you?

Any thoughts on newbies in the precious metal market starting out with the small old coins, or bars, silver? I am not looking for you to tell me what to do, I learn by reading how others deal with a market, then research what they say, if anything informative, and try to start somewhere and move forward.

I only deal in the physical metals and store them myself.

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If you allow someone to store them for you, you may find yourself holding a worthless receipt when you try to collect. Store it yourself and tell no one you have it. Some keep it in a safe. Some hide it in various places around the house or even bury it in the back yard. I rely on camouflage. I have a safe in a closet, but only keep my papers and files in it. The coins and bullion bars are hidden in various innocuous places around the home.

As these huge quantities of newly created money filter into the economy, they make the existng notes worth less and less. Inflation is rearing its ugly head and can only get worse, much worse as a result of this creation of more money out of thin air.

Add the double whammy of miserable interest returns on your savings and the debasement of the principal itself and your overall picture cannot help but decline dramatically in spite of your hard work and diligence in saving. Local dealers are a less attractive option due to their collection of sales taxes on your purchases.

Even that was no problem because eBay refunded my money very quickly after I alerted them. It was easy and painless. Even pennies are good. Beginning inpennies were made of copper plated zinc.

Inflation is very soon going to be horrendous think Weimar Germany or Zimbabwe. Buy non-perishable things you will definitely use in bulk now. Toilet paper, soap, canned goods, dried grains, beans, rice, whatever you physically have room to store. The price is only going to go up fast which really means the value of your money is plummeting. Frequent the alternative news sources online to get a truer picture of what is going on.

Keep your eyes open and your nose into the wind. And good luck to you. You have either done a lot of research and know what to look for or just went with a deep hunch and have your hopes in that.

More power to you. I am still with ING and want to get away from them so bad but I do not have the knowledge as to how to get the money in the ING account in precious metals. Although, I need a good savings account since I am recently disabled with no income just savings I am still concerned that if I would find dependable sellers like you apparently have found on eBay, etc.

If you are buying these gold bars, for example, from eBay sellers, how in the world do you know that what they send you is pure gold or the grade of gold you thought you were buying? When you go to cash it in, are you aware of how that process works? Do you know how much you will have to pay to have the precious metals converted to cash, if this is the right terminology?

As far as savings or checking have you had good experiences such as what some above posts mention SmartyPig? Are you interested in trying to assist an uneducated man who had a successful small business but not health insurance and one day was diagnosed with brain cancer about a year ago.

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I have done research on precious metals but my education in this area is so minimal, the harder I try to learn by talking to companies who sell precious metals not letting them know I am mostly into educating myself and foreign and US companies who sell precious metals to also learn from them.

I would follow you story in regards to eBay and other topics you touched on, but I feel like I need some one-on-one assist. I know this is no the best place to ask for this, but I am the type of prison that I will not know if someone would be willing to answer some questions, give me some guidance with no strings attached because I am asking for this orally on my own needs and worry about my future, dealing with my healt needs and being able to move forward in my life and fed my face while I still offer as much volunteer help as I have energy and money for.

No, I am not a master coin dealer. If banks pay you less than one percent interest on your savings and inflation is running two percent, you still lose in purchasing power. You are, in essence, paying them a fee for holding your money as its value drops. For every dollars you keep on deposit, the bank can loan out dollars at rates much higher than they pay depositors. This is called fractional reserve banking.

Some refer to it as a massive Ponzi scheme.

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If you do nothing and remain asleep, you are in for a rude surprise…. The powers that be depend on your lack of attention and thank you for your passivity.

It makes their job of robbing you much easier. All fiat money goes to zero value…every time. A cursory study of history will support this fact. When representatives contacted us and encouraged us to give them ideas to make their bank better I know they would become one of the best banks out there.

I am even a member of some credit unions and they dont ask their members how they can improve service. I guess i go ahead and stay with them if they dont start thinking too much about the money. We all have choices but if I was looking for a place to stash some money now, ING old be one of the last places I would count on.

I have worked in banking for 15 years now, both in lending and the depository side. What MCD is saying is accurate in the process of supply and demand. HOWEVER MCD, REMEMBER, NO CUSTOMERS NO BUSINESS. Your business model in theory and design can be the best ever seen in any business school. But customers are more than nice to have, they are your bottom line. It is a juggling act for all businesses, especially in a down economy.

Yes, interest rate fluctuation is a common occurrence in banking and is not personal. However, it is all about customer perception!!!!!!! People will not trust or do business with a multi-billion conglomerate that does not understand and apply exceptional customer service to its daily operation.

Customers also want to see that the corporation they are entrusting their hard earned money in cares about their business CONSUMER BEHAVIOR. This goes for quality of service and value of product.

MCD, you should take a course in Consumer Behavior along with your business school models. Anybody have a history with Tennessee Commerce Bank? Looks to me like their present offering is 1. Still looks like 1. I was just wondering if there are any online saving accounts that I could link to my savings account at my local bank. I see that ING, discover and USAA need to be linked to a checking account, but I have a lot of direct deposits that are already set up to go into my savings account at my local bank.

I guess I could transfer from savings to checking to online savings, but that seems like a lot of hassel, and changing all the direct deposits would be too. Any ideas would be great. Double Check on the number of Withdrawls you can make from those savings accounts without a fee being charged by your bank.

Just As I am on WestCoast Time, I found their sites are on Central Time and it is better to get some things done there in My Morning. I know nothing about purchasing precious metals. I have been wanting to purchase some gold and have it delivered to me in its pure form but after 3 years I am still looking for a company that can deliver this type of service.

I could not trust the companies where the precious mettles were purchased and then I was sent a piece of paper with the transaction it. I would like to purchase the gold, have it in my possession, and use it when my money runs out for the chemotherapy I am having to pay for out of my own pocket. I would appreciate any advice from honest people that have purchased gold this way and have been satisfied with how the transactions have played out. Finally, does anybody know what degree of purity most gold is being sold these days?

Thanks for any advice. This really pisses me off. They are destroying any incentive to save. I switched from Emigrant early in the year because their rate had dropped significantly over the previous couple of years, and I went to AmEx because their rate was still a good deal higher. Now this is the second time those a—holes dropped their rate. I can not believe what I am reading here. You are all talking about who has the best rates and who transfers money faster.

That is all good in good economic times but in these times you are only talking about one or two fractions of a percent from one good bank to another. I also see some are worried about minimum requirements to avoid fees. If you are in this category the money you earn on your account will be so insignificant that it really does not matter if you get 1. You can make more than this working a few extra hours on the side and not stress out about every penny. That said, if you do have a big name brick and mortar bank paying say 0.

Chasing the best rate when banks are competing hard for customers may be a good thing. A while back I purchased some us savings bonds. I got a good rate on them.

I choose not to. My bonds still pay 4. This is more than 3 times what I get over the other accounts and the tax is deferred until cashed in like stocks unlike paying tax on interest every year on your bank accounts. Everything pans out in the end. It took my 5 minutes of Internet searching, another 5 minutes to read the list, and 3 minutes to post this. I want to put my money where they will offer me 0. Not where they offer me 0. I want to support higher interest rates.

If my actions contribute to the nationwide pool of people that are pushing bank rates higher, well good on all of us. Is it worth it? Do it everywhere, stick to it like a bulldog, and you will find that as this attitude pervades your life, so will money pervade your bank accounts. Still, the difference between.

There are a lot of people with that kind of money me included who want nothing to do with the stock market or bonds et al any more. You can feed the New York thieves, not me. So, you have two or three accounts.

I appreciate the time and effort involved in putting this information together. Why would you possibly spend the time writing a negative comment on a website for an individual who has taken the time to help people out.

Are you so miserable? It would be unfortunate to be as such. You have your way, and apparently you had to learn what that was. Yea, I said LEARN. Sometimes we need to learn what is the best way for each one of us over time, and in the process we learn. What you think is trivial, might be trivial for you, but it might not be for someone who wants to research, and pick the account that they think is the best for them.

Let us all do what we want to do to learn and decide what is the best account for us. For some your approach might be the best, for others, they want to research and pick the best for their needs. They are all roughly 1. I was not surprised to receive the ING notice yesterday stating that ING will be sold to CapitalOne.

My current Sony CapitalOne credit card does not have impressive rates. However, I would be happy if even a small increase in an APY would occur once my ING accounts transfer over to CapitalOne, but knowing CapitalOne I will not hold my breath.

In this type of sale, will the customers have a chance before the sale happens and the new rates go into affect to know what the new rates will be and all the other changes before we commit to going along to CapitalOne? We are in a bad period in this area, but, I would much rather transfer my ING holdings to a 1.

Every little bit helps. Been there and done that. The person below is right. This is all LEGAL, but it is not moral. Too bad — Ing looked interesting. Capital One is horrible. I was a 10 year customer of Capone, one day I get a letter stating my interest is going from 8. I will never do business with Capital One. I purchased new windows for our home, financed by Capital One at zero interest for 12 months.

They never sent me any sort of payment schedule. I had to look them up online to find a phone number to call, and call a representative to find an address I could send my payments to. They refused to send me any receipts, so I never knew if they were getting the payments or not.

I actually typed up my own forms to send to them with each payment. It was a nightmare. They were just waiting for me to miss a payment so they could pounce. I am on board to hoping ING raises its rates soon. The only rate that Capital One has raised at ING is the Overdraft Line of Credit Rate. It is currently They call it competitive. I was hoping for the same. Unfortunately Capital One abandoned what worked well about ING Direct.

Sadly I had to leave ING when Capital One took over. I had had my ING account, very happily, for many years. My experience with Capital One was horrid. I feel for their ad and got one of their cards. I used it to buy an item from EBay which was fraudulent merchandise.

I did not receive what I ordered although the seller had proof he sent a package. Of course, EBay denied responsibility so it was left between Capital One and me.

I sent umpteen numbers of explaIation and proof from the publisher that the items were counterfeit. They refused to consider the validity and hired a series of bill collectors who made threats they could never enforce.

Very unpleasant and time consuming. Finally I had to go to the Attorney General to get them to back off. I would suggest that YOU GET AWAY FROM Capital One AS FAST AS POSSIBLE. AND NOT USE THEIR CARDS. There are many other banks out there who respect their customers and deal with them honestly without attempts at strong arm tactics.

I HAVE NO RESPECT FOR THEM. Once you already have an account, just open another one and indicate that you already have an AmEx account. You can customize the account names through the customer service tab. The Amex sub-account feature is a work around at best and very unwieldy. I like their interest rate better but not the information — for instance, on ING I can see my interst history for a number of months — not so AMEX. SFGI Direct has had the best rate for two years straight. Some match their rate, but nobody beats them.

I have three on-line accounts and SFGI is currently the leader in rates at 1. What about the others, is there a way to find out? I answered my own question. BUT, using the American Express website as an example, not every online bank has a dandy FAQ to clarify this.

With AmEx I had to go the round about route in their search window. It looks like they all compound monthly. Hope this helps other people reading the page to catch the difference. As others have also pointed out.

Hi Maria- I have had the discover bank savings account for a few years now and they pay interest monthly to be reinvested. Read any number of sources to brush up on the difference…. Actually, Ally compounds daily, not monthly: They must have caught onto what amex is doing: Hi Matt K, thanks for answering. Well, we started the process to open an account with AmEx first and we run into a glitch.

Wondering if anyone has ever had this problem. We have joint accounts at our local bank so we wanted a joint savings account but when it came to ME, Maria, the whole application process came to halt. As I write, nothing has been received. We sent it by fax immediately. AmEx asked me to ask SocSec for a letter proving I own the SSN they gave me. Logically, and we even told both AmEx and Ally, that the IRS would be the perfect source to check as we file jointly and, tah-rah!

Has anyone gone through this? I am sorry to read about your experience. I just opened a joint amex high yield savings account with my husband. Same thing happened to us. We are both citizens here. I think sometimes they just need extra verification.

My husband went to the social security office, got the letter he needed, we mailed it to American Express, and our account was opened. It did take a little extra effort but we got the account. Just go into the nearest ss office and show them what you need. Being a citizen is not a requirement. He explained that he recently immigrated.

With the banks, we persisted and found it helpful to escalate our inquiry by asking to speak to managers, keeping detailed logs of each call and who we spoke with, asking for a written explanation of why we could not open an account.

Please be persistent — but clear with them that you have every right to have an account! This is most likely a result of the USA Patriot Act regulations. You might be better off dealing with a local institution and real live people and credit unions generally have decent rates relative to the market. I tried opening an AmEx account. The process came to a complete halt when they tried to check my SSN number. At the time I changed my last name a couple weeks prior. When I talked to the customer service person I found her to be extremely rude, like I was trying pulling something over on her.

Their only solution to this would have been to have Social Security send a note on official letterhead to prove my full name and SSN. I was able to do the whole registration process online with no problems or hang ups. So far this year I have earned more interest than every year before this combined, and for very little effort.

I just regret not getting into online banking years ago! Thanks, Barb for writing. Yes, the AmEx customer service person was rude and abrupt with me as well, you know, suspicious. Ally, on the other hand, came through yesterday. I also regret not getting our savings out of our bank and into one of these online ones sooner! But who knew interest rates would stay this low for so long? I just got an account with AMEX, within 10 min.

I enjoyed a good service and Its all up and running.

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With no notice to customers whatsoever. That is a dramatic drop. Here is the link to the rate: American Banco of Asia ABOFA is one of best for me. Hidden favorite, especially in these crisis:

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