$121 Bonus from ING Electric Orange Checking – Black Friday Only!

ING Direct is having a Black Friday Promtion where you can earn a $121 bonus when opening an Electric Orange Account today only.

Here is the promotional detail:

To qualify for the bonus you need to do the following….

• Open an Electric Orange checking with Reference Code EOSAVE.
• Use your Debit Card to make 3 signature transactions (you know, the ones you have to actually sign) within the first 45 days.
• On day 50, they will put $121 in your account. You have to open today to get the $121 bonus.

This is a great deal if you have not yet opened an electric orange checking account.

ING is also offering a 2% 12 Month CD which is also a great rate considering how low interest rates are currently

Free $10 Amazon.com Giftcard from Coinstar

Coinstar, the self service coin counting machines, always has let you exchange your coins for free when you selected a gift card rather than cash. Well now, through December 6th 2009 when you exchange at least $40 into an Amazon.com giftcard you will also get a bonus $10 Amazon.com giftcard. That is a 25% return on your money. Amazon.com sells so much stuff that this is a no brainer.

Once you exchange the $40 or more for a gift card, just send it the bottom portion of your receipt to get your bonus card. They say it should arrive in 6-8 weeks.

Details for this promo can be found here.

Coinstar machines can be found in most grocery stores and I am now starting to see them pop up in Walmarts. Check out their Machine Locator page to see if one is close to you.

Coinstar

PerkStreet Promo – $50 with New Checking Account

UPDATE 2/18/10 – This promotion is no longer available. You can check out PerkStreet Financial’s current promotions here!

PerkStreet Financial is having a promotion where you can get a $50 bonus when opening a new online checking account. To qualify for the $50 checking account promo you need to do the following:

• Open a new online checking account with a minimum of $25
• Open the account by 2/28/2010
• Keep the account active for 3 straight months
• Initial funding can be done with a credit card (this is treated as a purchase and not a cash advance)

If the above criteria are met you will receive $50 in your account within 15 business days of the end of the third month.

The PerkStreet Financial free online checking account is being promoted as a rewards account. You earn a reward of 1% cash back on purchases when using your debit card that is tied to the account. The 1% is based on non-pin debit card transactions. The 1% cash back 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 network which 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, no fees and a $50 bonus, there are not many other online checking accounts that beat this deal.

Check out the PerkStreet Financial promo page for more details.

You can also check out more checking account promotions here.

Another Black Friday is Upon Us

If you are one of those folks that loves to wake up at 2am on the day after Thanksgiving to stand in line to grab that discounted item then you must be looking forward to Black Friday. Not me, after stuffing myself with Turkey I usually get up around 11. Not to mention I hate the waiting in line outside in the freezing cold, but I do know for many this is a long time ritual.

Now a days since everything is moving to the Internet there are a plethora of Black Friday sites that aggregate all the store ads and display them on their site.

Many of those sites out there that don’t really have deals and rather just direct you to the stores website, so beware when searching. The best Black Friday site I have seen is Black-Friday.net. They actually take each item out of the and and list it on their site so you can scan through to see what may be of interest to you. They also post the openeing hours for each store.

Remember that most of the Black Friday deals are in store deals only. Most items can be purchased through their website, but not for the advertised in store discount. I recommend using the Black Friday websites to determine your plan of attack, but to then actually go to the store. There are Internet only Black Friday deals as well, but they never seem to be as good as the in store deals.

Don’t forget to take along a Rewards Credit Card so that you can earn cash back on those gift purchases.

Good luck and happy shopping!

Bank of Internet – 2.02% 12 Month CD

Bank of Internet is having has always had decent rates, and their 2.02% 12 month CD is still pretty competitive considering how much rates have fallen over the past couple of years. Their 12 month CD is actually higher than their 24 month CD which is currently at 2%.

A couple of items to note about the cd:

• There is a minimum of $1000

• There is a grace period of 10 days if you decide that you don’t want to renew it once the 12 months is up
• The early withdrawl penalty is 6 months, so since this being a year CD you would lose half of your interest so be sure you can tie up this money for 12 months
• You have the option to roll the interest back into the CD or have it sent via ACH to another account

I don’t currently have any accounts with Bank of Internet since I am still pretty happy with my high yield checking account, so I can’t comment on service or the opening process, but I have never heard of any major complaints from readers.

Bank of Internet is FDIC insured (FDIC Cert# 35546) and have a sound 4 star rating at Bankrate.com

ING Business Savings Account

ING has recently been offering a Business Savings Account that has the same look and feel as their Personal Online Savings Account.

The rate is currently 1.15% for any balance. There are no minimums or fees. Sure you say 1.15% isn’t that much, but to find a Business Savings Account that has no fees or balance requirements that gives any kind of interest is very difficult.

You can link one business checking account to your business savings and make ACH transfers from and to that account and your ING Business Savings account. You can also have 3 authorized users that have access to the account. Another cool feature is that if you have a ING Orange Savings account, you can quickly access your Business Savings Account by selecting the company name in the “Go To Account” drop down box. This “Go To Account” drop down box will appear once you Business Account is set up. There is also a drop down box in the Bussiness Account screen that lets you quickly go to your Personal Orange Savings account.

If you have a small business and want somewhere to stash your cash and want to make a little return on it, then you should definitely look into opening an ING Business Savings Account. Even if you don’t have a lot of money coming in from your business, with no fees and no minimum balance and easy access to move cash in and out, it is a nice account to have open just in case.

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