Online Checking Account from Ally Bank

Ally Bank, which has always been known for their best savings account, has a new Ally Bank Interest Checking Account which offers unlimited ATM rebates. So not only do you not get charged by Ally bank when using an ATM, but Ally also rebates you the fees charged by the ATM.

In addition to the free ATM usage, you get free checks and unlimited check writing. The interest rate is dependant on the amount of money you have on deposit, for balances less than $15,000 you will earn .05% APY and for balances $15,000 and greater you will earn 1.15% APY. (Rate as of 03/02/2010) The account also offers free Online banking and Bill Pay as well as free overdraft protection. Ally Bank has an ACH feature where you can transfer money in and out of your linked accounts for free and you can also set up direct deposit if this is going to be your main checking account.

All of this with absolutely no fees or minimum balances. This isn’t even an Ally Bank Promo! The ATM rebates alone can save you quite a bit of money if you tend to use ATM’s often throughout the month. For those of you that are sick and tired of being gouged by fees from other banks and the dismal interest rates that they offer, this is definitely an account that can help you save.

Check out the Ally Bank Interest Checking Accountpage for more details.

ING Direct Increases Referral Bonuses for New Accounts

If you have an ING Account and are looking to make a little extra money, ING Direct is doubling their referral bonus to $20 until March 31st 2010. The person you are referring will receive $25.

Log into your ING Account. Click the “Rewards For Friendship” link just above your account listing. Then select the “Refer Now” button. Ad the name and email address of your referrals and select the “Continue” button. Your friend will receive an email link that they need to use when opening the account.

Your friend must open either an Electric Orange Checking account or an Orange Savings account with a minimum of $150 by March 31st 2010 . Once this has been completed your friend will receive $25 and you will receive a $20 referral bonus.

If you don’t have an ING account and want to open one and receive the $25 bonus, please complete the form below and I will send you a referral link via email.

1. First and Last Name*(required)
2. Email*(valid email required)
3. I would like the following referral sent to me via email:
4. Electric Orange Checking Account Referral
5. Orange Savings Account Referral

 

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PerkStreet Promotion – 2% Cash Back on Debit Card Purchases

PerkStreet Financial has a promotion running through the end of April where you can get a a 2% cash back bonus from all debit card purchases for 6 months when opening a new online checking account. Once the 6 month period is complete you will then earn a 1% cash back bonus on your purchases.

This offer expires April 30th 2010, but can be canceled at anytime.

The PerkStreet Financial free online checking account is being promoted as a rewards account. You earn a cash back reward of 2% for first 6 months, then 1% after on purchases when using your debit card that is tied to the account. The cash back reward is based on non-pin debit card transactions. The 2% cash back for first 6 months is a great deal since most checking account offer rewards that equate to far lower than a 1% return.

There is no minimum balance required, however to avoid an inactivity fee of $4.50 you must have activity in the account each month from either a debit card transaction, check, deposit or withdrawal. The account comes with a free book of checks, free debit card and free online banking and bill pay.

PerkStreet Financial is also a member of the STARsf Surcharge Free ATM networkwhich offers of 37,000 free ATMs nationwide.PerkStreet Financial’s banking services are provided by The Bancorp Bank which is FDIC insured. The Bancorp Bank has a been a FDIC member since 2000.

If you are looking to move toward an online checking account this one may be the way to go. With the high rewards, nationwide free ATM access though the STARsf network, and no fees when you keep your account active, there are not many other online checking accounts that beat this deal. Make sure to open by April 30th 2010.

Check out the PerkStreet Financial promotion page for more details.

You can also check out more checking account promotions here.

$50 Bonus When Opening ING Electric Orange Checking Account

ING is giving out a $50 bonus when you open a new Electric Orange Checking Account and making 3 signature based purchases with your debit card in the first 45 days of opening the account. Note that signature based purchases are not the same as when you enter your PIN during a transaction. In most cases you just treat this as a credit card and swipe and sign.

Open an Electric Orange high-yield checking account and enter the code EM423 into the Reference Code box in the application.

After applying you will receive an Electric Orange MasterCard Debit Card. Activate it and use it for 3 signature-based purchases within the first 45 of opening your account.

Your $50 bonus will be deposited into your checking account 50 days after you have completed your 3 purchases.

I can’t seem to find an expiration date on this offer, so get in while you still can as they just tend to disappear after a while.

Link to Application Page

$125 Chase Checking Account Bonus

If you currently have a user id that will let you log into chase.com then you can get a $125 bonus when opening a new Chase Checking account and set up direct deposit.

Once you log into your chase.com account, paste this URL into that same browser window:

https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/shared/marketing/page/chase_checking_011510_112911&ID=0000010110&WT
.ac=DSO10110_banner&jp_aid=DSO10110_banner&jp_avt=35794&jp_ai=&jp_aoc=HNW
&WT.mc_id=DEC09_125chk_dso_card&jp_con=HNW.MyAccounts.Sec_banner&jp_cnv=oao/
applicationdecisionresult.aspx&jp_lid=000010110&jp_oid=000018688&jp_mep=DEC_125chk
&WT.pi=/MyAccounts.aspx&WT.pn_sku=chk

If the above doesn’t work for you, right click on this link and select “copy shortcut” in IE, or “copy link location” in FireFox, then paste it into your brower.

This should direct you to the checking account promo screen. Just complete the account application, make a minimum deposit of $100, then setup direct deposit within 60 days of the account opening. (NOTE: You can use a credit card for the initial $100 funding. I used a credit card and made a deposit of $1000 so I could get the cash back from my card. I used a cash back mastercard which was treated like a purchase)

The $125 account bonus reward will be deposited into your new account within 10 days after the initial direct deposit has posted to your account. The checking account must remain open for 6 months otherwise you may forfeit the bonus. Limit one personal checking account-related reward/premium per customer, per calendar year.

The Chase Checking account has no fees if you set up direct deposit or make five debit card purchases each month and has the following features:

• FREE access to over 15,000 Chase ATM’s nationwide
• FREE Online Bill-Pay – including our Online On-Time GuaranteeSM
• FREE Debit Card with Zero Liability protection
• FREE Account Alerts sent by phone or e-mail to help you avoid fees
• MORE THAN 5,100 Chase branches

You can get checks for this account, note that the initial order is not free. It will cost you around $20 if you want to order checks from them, but you can get them cheaper from Walmart and other online check printing sites.

Year End Promotions Expiring

I hope everyone had a great holiday and if you are like me you are dreading those pending credit card bills from all the Christmas shopping you did! If you are looking to make a little cash before the end of the year, you might take a look at a few of these promotions that are ending on 12/31:

• OptionsXpress Promo – OptionsXpress is giving away $100 when you open a new account with them. (See post for more details)
• Chase Sapphire Card Promo – Chase is offering a $100 bonus when you open a Sapphire Card and make one purchase. (See post for more details)
• Optionshouse Promo – Get 100 free trades when you open a new account, with $2.95 flat rate stock trade commisions. (see post for more details)

There is nothing better after Christmas than a little extra cash in your pocket. So if you are interested check out the associated post to learn more about the promotion and how to qualify.

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