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Receive $50 with Bank of America

Category: Bank Deals- gotalkmoney.com- 8:08 am/ December 17, 2008

Open up a new personal checking account and you can receive a $50 bonus.

Here’s how you do it –

  • Apply online or go into a local banking center.
  • Make sure you use offer code, “AOU261208″
  • Open up the account by February 27, 2009.

With a Bank of American Checking Account, this is what you get –

  • Free Visa Check Card
  • Access to nearly 5,700 banking centers
  • Keep the Change program

The Terms and conditions on the account –

1 Offer expires 2/27/09 and is available through our online application or in any Bank of America banking center. Offer does not apply to second or multiple checking accounts and/or existing checking customers. Student checking accounts are not eligible for this offer. Bank of America associates are not eligible for this offer. All accounts are subject to our normal approval process. This form must be presented at the time the account is opened if account is opened in a banking center. This minimum deposit required to open a new, personal checking account and receive the $50 offer is $100. We will make every attempt to directly deposit the $50 into your new Bank of America checking account. If for any reason we are unable to do so, a check will be issued as a replacement. We will deposit the money within 90 days of opening your new account. Limit one check per household. To the extent required by law, Bank of America will report the value of the offer to the IRS on Form 1099. Any applicable taxes are the responsibility of the account holder. For interest-bearing personal checking accounts, the Annual Percentage Yield (APY) is 0.05% as of 11/14/08 for any account balance. The rate may change after the account is opened. Fees could reduce earnings on the account. Please consult a Banking Center, visit bankofamerica.com or see the Personal Schedule of Fees for other account fees, rates and information.
Footnote 2 Total Security Protection is not available on small business credit cards.
Footnote 3 Not available in Washington or Idaho.

For more information on this deal, visit BankOfAmerica.com.

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Tuesday News and Notes

Category: CD Rates- gotalkmoney.com- 10:45 am/ December 16, 2008

Just wanted to mention some CD notes this week.  CD rates are down yet again.  It looks like many banks dropped their rates, including GMAC Bank.

A few changes to look out for include 2 new #1 leaders –

Capital One has the industry leading 5 year CD at 5.00% APY.  Capital One has a 5/5 bankrate.com star rating.  Capital One CDs require a $5,000 minimum.

Nexity Bank has the industry leading 3 month CD as well as the 6 month CD.  All of Nexity Banks CD rates require a $1,000 minimum.

Here are Nexity Bank’s CD Rates for 12/16/2008 –

  •  90 day:  3.21% APY
  • 6 month:  3.78% APY
  • 9 month:  3.81% APY
  • 12 month:  3.86% APY
  • 24 month:  3.45% APY

GMAC was another bank to drop rates but still hold the 1 year, 18 month and 2 year industry leading rates.   All of GMAC bank’s CDs require a $500 minimum.  GMAC bank has a 4/5 bankrate.com star rating

Here are GMAC Bank’s CDs as of 12/16/2008 –

  • 3 month:  3.20% APY
  • 6 month:  3.70% APY
  • 9 month:  3.75% APY
  • 12 month:  4.10% APY
  • 18 month:  4.10%  APY
  • 2 years:  4.25% APY
  • 3 years:  4.16% APY
  • 4 years:  4.25% APY
  • 5 years:  4.80% APY

If you want more information on GMACs CDs, visit GMACBank.com.

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Chase Bank 48 - 60 Month CD Rates

Category: CD Rates- gotalkmoney.com- 8:10 am/ December 15, 2008

Thanks to a reader who pointed this great CD rate deal out –

Chase Bank is currently these rates as of December 15, 2008;

  • 9 month:  2.60% APY
  • 12 month:  2.70% APY
  • 24 month:  3.00% APY
  • 48 month:  4.00% APY — one of the best right now.
  • 60 month:  5.00% APY — one of the best as well.

Since these are Chase CD specials, you’re going to need a minimum of $10,000 to open one.  If you don’t have $10,000 to open up a CD, your rates will lower.

Chase is FDIC insured and has a perfect Bankrate.com 5/5 star rating.

For more information, call 1-877-68-CHASE or visit them at Chase.com.

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Imperial Capital Bank CD Rates

Category: CD Rates- gotalkmoney.com- 11:23 am/ December 14, 2008

I just wanted to make a quick note on Imperial Capital Bank, who is offering some very nice CD rates for the month of December.  Keep in mind that their Bankrate.com star rating is a 1/5.

As of 12/14/2008, here are their current rates for their iCDs –

  • 3 month — 3.20% APY
  • 6 month — 3.75% APY
  • 9 month — 3.50% APY
  • 12 month — 4.00% APY
  • 18 month — 3.65% APY
  • 2 year — 3.85% APY
  • 3 year — 3.90% APY
  • 5 year — 4.00% APY

The long term CDs aren’t the hottest right now but take a closer look at their 6 month - 1 year rates.  It may be something someone is interested in.  All CDs require a $2,000 minimum opening balance.

For more information, visit ImperialCapitalBank.com.

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Nova Savings Bank 4.25% 18 Month CD

Category: CD Rates- gotalkmoney.com- 6:19 am/ December 13, 2008

This one was sent in by a reader –

Nova Bank is offering a 4.25% 18 month CD right now, matching GMAC’s 4.25% 18 month CD.  This ties for the top in the industry as of today (12/13/2008)

Here are some of Nova Bank’s requirements in order to open up a CD –

  • $500 minimum investment required.
  • Maximum deposit is $1,000,000.
  • FDIC insured.

If you want more information on this CD or any of Nova Bank’s other offers, visit their website at NovaSavingsBank.com or call 1-877-668-2226

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