New 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 1.05% APY. (Rate as of 03/19/2010) 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 Account page for more details.

20% Cashback on Pampers from Bing Cashback

I noticed another nice little cash back bonus for you parents out there. Is you use Bing cashback and purchase Pampers from Drugstore.com, you will get a 20% cashback bonus. For those of you that are unfamiliar with Bing cashback, it is a way to earn cashback on your online purchases using Microsoft’s Bing Search engine. There is nothing special to do other than sign up for free then start shopping. If you don’t already have an account of want more info, check out the Bing cashback site.

In addition to the 20% cashback, If you purchase $50 worth of Pampers your order will ship for free. This shipping credit is automatic once your shopping cart hits more than $50 before taxes. You don’t have to spend $50, but hey you know you are going to use those diapers anyway, so why not get them delivered for free!

Steps to get 20% cash back on Pampers Diapers:

• Go to www.bing.com
• type “pampers” (without quotes) into the search box and hit enter or click the search icom
• The first result should say “Buy Pampers Diapers & Get 20% Cashback” (If it isn’t try hitting the search button again until it appears)
• Click on the “Bing cashback” link. This will take you directly to Drugstore.com’s Pampers Diapers page. Add items to your cart and check out.

That is it. It’s that easy. Your 20% should be credited back to your Bing cashback account within 3 days.

For all of you wondering how great a deal this is, lets do an example. My child wears Pamper’s Cruisers Size 4. I purchased 2 boxes from Drugstore.com to get the free shipping. Here is the breakdown:

• Cruisers 4 Jumbo – 27 count
• Cruisers 4 Exonomy Plus – 140 count

The total: $54.98 – 20% cashback = $43.99 for 167 Diapers = $.26 per diaper (note this is the cost of the diapers only, no sales tax or shipping, since there insn’t any!)
Those same 2 boxes on Amazon.com would cost you $53.88 which works out to .32 per diaper (Amazon.com also has free shipping and no sales tax). So you can see that there is some savings here, now compare to your local supermarket or Walgreens and then count salex tax, and I guarantee this is the best deal on diapers around right now.

I am stocking up since I have no idea how long the 20% casback will be around.

Bing Cashback 20% at Walmart.com

Bing Shopping is a cash back purchasing site like that of MrRebates.com or Ebates.com. Bing shopping is run by Microsoft which is an extension of their Bing.com search engine. Currently they are offering an unheard of 20% cash back on purchases made through Walmart.com! That is $100 on a $500 purchase. You can do all your electronics purchases here this year!!

To get the cash back you need to do the following:

Go to www.bing.com
Type “walmart” in the search box.
At the top of the search results you should see something like this:

Click on the “Bing cashback” link.

You will then be directed to a screen where you can either create a new bing cash back account or enter your email address if you already have an account. Then click the “shop and get cashback” button. You will then be taken to Walmart.com.

Any purchases you make will be earn you 20% back in your Bing.com cashback account. It does take up to 60 days to get the cash back posted to your account, but if you log into your account at Bing.com/casback you can see your “pending cash” amount. For example I made a $50 purchase at walmart.com. 20% of $50 will earn me a $10 rebate. This is what my account shows: (NOTE: It may take up to 30 minutes for your pending cash rebate to show, so don’t worry!)

Once your cashback bonus is posted, you can withdrawal it into your bank account using paypal or actually linking your checking account to them.

This is an awesome deal, as you won’t find 20% off of walmart’s already low prices ever!!! I used to use sites like MrRebates.com, but lately since Bing.com has such high cash back percentages, I have switched to them. Also since they are microsoft, you can pretty much bet you won’t have any issues getting your cash back. I never have. Happy shopping and earning cash back!!

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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