Atlantic Coast Bank has a high interest savings and checking account that work together to help you save more. The bank’s Kasasa Cash checking account has a 3.25% annual percentage yield (APY). The Kasasa Saver is a high interest savings account with a 2% APY and is linked to the checking. Details of the offer include:

• Nationwide ATM fees up to $25 refunded on checking account are automatically deposited into savings account
• Free checking
• No minimum balance or monthly fees
• Minimum opening deposit of $100 for checking account and $5 for savings

To qualify for the bank rates you must:

• Make a minimum of 10 debit card purchases
• Set up one direct deposit of ACH automatic payment from your checking account
• Receive electronic statements

Even if you don’t meet the requirements to earn the bank rate on the savings and checking, both accounts are free. During that time you earn a base rate of 0.1% on the checking account, which gets automatically deposited into the savings. The combined balance earns a base rate of 0.3% APY.

Once you meet the requirements again, you can earn the 3.25% APY on checking and 2% APY on savings. Bank rates are accurate as of Nov. 16, 2009.

Atlantic Coast has branches throughout northeast Florida and southeast Georgia. But residents of other states can apply online for a bank account

I recently wrote about a TD Bank promotion that offered gift cards for using a debit card to purchase groceries. Now TD Bank has another offer aimed at getting people to apply for a mortgage.

If you apply for a mortgage loan to purchase or refinance a home, you get a shot at winning $250,000 to pay off your mortgage. Details of the offer include:

• Apply for a loan between March 7 and April 30, 2010
• Existing TD Bank mortgage customers are automatically entered into the drawing
• Six weekly winners get $2,500 toward their mortgage payment
• Grand prize winner to be announced in May

“As an Aaa-rated bank that is safe and sound, TD Bank does not sell our conforming or jumbo mortgage loans, creating an opportunity to strengthen our relationship with our customers,” said Michael Copley, Retail Lending Senior Vice President at TD Bank.  ”Additionally, we continue to originate high quality performing loans. We are very excited to pay someone’s mortgage off and help our customer obtain the American dream despite the tough economy.”

If you plan to take advantage of the bank deal and apply for a mortgage, don’t forget to see if you are eligible for the homebuyer tax credit of up to $8,000.

Provident Bank has a free Smart Checking Account with a 3.26% annual percentage yield (APY) on balances up to $25,000.  To receive the bank rate on the checking account you must meet the following requirements:

• Must  make 10 Provident Visa debit card signature purchases during each statement cycle
• Receive one direct deposit or process one automatic ACH debit per statement period
• Receive statements electronically

The checking account also has the following features:

• 0.75% APY on portion of balance above $25,000
• ATM fees nationwide are refunded if requirements met
• No monthly service fees

If you don’t meet all the requirements of the account, the bank rate falls to 0.25% on the entire balance. However, you can start over during the next statement period to meet the requirements to earn the higher bank rate. During this time the checking account is still free.

Interest on the checking account can change at any time. The daily balance method is used to calculate interest, which is paid monthly and posts to the account on the last day of the statement period.

You don’t have to do anything to receive a refund of ATM fees as long as you meet all the requirements of the account. However, only ATM fees in the U.S. are refunded, not those incurred abroad.

Provident Bank is based in Jersey City, N.J.

Do you run a small business and want to boost your savings? Open an ING Direct business savings account and receive a $50 bonus. Details of the savings offer include:

• Savings rate of 1% annual percentage yield (APY)
• No fees
• No minimums
• No service charges
• FDIC insured up to $250,000

You must open a business savings account by March 15, 2020 and use the reference code BSA326 to receive the bonus. The cash bonus is deposited into the account when it is opened and can be withdrawn after 30 days.

The 1% savings rate is effective as of Feb. 24, 2010, but is a variable rate that can change at anytime. Interest on your savings accrues daily, is compounded monthly, and credited to your balance each month.

The savings account is available to many kinds of businesses, including sole proprietorships, partnerships, limited liability companies (LLCs), corporations, and not-for-profit organizations. You can set up the account for you and two other people to have access with separate logins and customer numbers.

You don’t have to change banks to open a business savings account at ING Direct. You are required to link a business checking account from another bank with your ING Direct savings.

ING Direct offers 24-hour banking online and has customer service representatives available to speak to you from 8 a.m. to 8 p.m.  every day of the week.

Open a Citibank checking account by March 31, 2010 and receive a $100 bonus. You must be a new Citibank checking account customer and make a minimum deposit of $1,000.

Within the first month of opening a regular checking account you must begin making at least one direct deposit, two electronic bill payments, or five non-PIN debit card transactions each month for three consecutive months.

Eligible purchases must be made through the MasterCard Network and include those you sign for or small dollar purchases that do not require a signature. Purchases made made through other payment processing networks do not qualify.

Other details of the bank deal include:

• Free ATM access at over 26,000 Citibank ATMs in the U.S., including machines at 7-Eleven stores
• Free online bill pay
• Free mobile banking
• Free identity theft solutions

Existing Citi credit card customers received this offer, which requires a code of C2CA to open an account and qualify for the deal. You can apply online or by phone, but check to make sure you qualify for the $100 bonus. The bonus is deposited into your account within 120 days from the end of the statement period that you meet all the requirements.

This offer is only available to people 18 and older, and is limited to one per customer.

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