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For those at Money One Federal Credit Union, their Kasasa Saver account is paying 1.01% up to $10K. You need to meet the Kasasa RCA requirements to get that rate.

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stanolshefski said:   For those at Money One Federal Credit Union, their Kasasa Saver account is paying 1.01% up to $10K. You need to meet the Kasasa RCA requirements to get that rate.  

Why would you even bother at that rate?

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I assume that estimated taxes on the CCU credit card go through as a purchase. Has anyone tried?

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Anyone get denied for the CCU Visa card?  Just opened by checking/savings accounts, and had applied for the Visa at the same time.  Processor did ask why I had opened so many credit cards in the past year, so I guess they're sensitive to that.  Wondering if there's any point to asking for reconsideration.

Also, for the checking acct, can anyone confirm that if the balance is above the applicable threshold ($20K for those with the Visa card, $10K without), you still get the higher interest rate on the portion below the threshold.  If the threshold is $20K, the terms and conditions make it sounds like a checking balance below $20K gets the higher rate, but a checking balance above $20K won't get the higher rate on any portion (including the portion below $20K).

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youngcoolguy said:   Anyone get denied for the CCU Visa card?  Just opened by checking/savings accounts, and had applied for the Visa at the same time.  Processor did ask why I had opened so many credit cards in the past year, so I guess they're sensitive to that.  Wondering if there's any point to asking for reconsideration.

Also, for the checking acct, can anyone confirm that if the balance is above the applicable threshold ($20K for those with the Visa card, $10K without), you still get the higher interest rate on the portion below the threshold.  If the threshold is $20K, the terms and conditions make it sounds like a checking balance below $20K gets the higher rate, but a checking balance above $20K won't get the higher rate on any portion (including the portion below $20K).
  

That would make no sense.

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tjguitar85 said:   
youngcoolguy said:   Anyone get denied for the CCU Visa card?  Just opened by checking/savings accounts, and had applied for the Visa at the same time.  Processor did ask why I had opened so many credit cards in the past year, so I guess they're sensitive to that.  Wondering if there's any point to asking for reconsideration.

Also, for the checking acct, can anyone confirm that if the balance is above the applicable threshold ($20K for those with the Visa card, $10K without), you still get the higher interest rate on the portion below the threshold.  If the threshold is $20K, the terms and conditions make it sounds like a checking balance below $20K gets the higher rate, but a checking balance above $20K won't get the higher rate on any portion (including the portion below $20K).

  

That would make no sense.
 

  And, it would be a great way to DRIVE OFF ALL THE ALIENATED CUSTOMERS!

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I am getting 1.5% for 15k with FABT. Are there any better options?
Thanks

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netSpend Savings 5% for 5k

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First Financial Bank went from 3% to 2% APY a couple months ago.

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downercow said:   First Financial Bank went from 3% to 2% APY a couple months ago.
  What product has 2%?

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The rewards checking account (they call it the "Kasasa Cash" account)

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rustum said:   I am getting 1.5% for 15k with FABT. Are there any better options?
Thanks

  BofI.com pays 1.25% . . . The fine print, Direct deposit of $1,000 per month, 15 debit card transactions of at least $3.00 per transaction per month.  They only pay Interest on balances up to $150,000 Still that is over $150 per month.  Not a bad yield for a checking account in todays market.  You just have to keep your balances <~$150K!

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pennsatuckian said:   
rustum said:   I am getting 1.5% for 15k with FABT. Are there any better options?
Thanks

  BofI.com pays 1.25% . . . The fine print, Direct deposit of $1,000 per month, 15 debit card transactions of at least $3.00 per transaction per month.  They only pay Interest on balances up to $150,000 Still that is over $150 per month.  Not a bad yield for a checking account in todays market.  You just have to keep your balances <~$150K!

   Is this checking? For savings they lowered it to 1.1%

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exclusivelysid said:   
pennsatuckian said:   
rustum said:   I am getting 1.5% for 15k with FABT. Are there any better options?
Thanks

  BofI.com pays 1.25% . . . The fine print, Direct deposit of $1,000 per month, 15 debit card transactions of at least $3.00 per transaction per month.  They only pay Interest on balances up to $150,000 Still that is over $150 per month.  Not a bad yield for a checking account in todays market.  You just have to keep your balances <~$150K!

   Is this checking? For savings they lowered it to 1.1%

  Yes...Rewards Checking.  Also, they do not pay 1.1% on any savings account.  (I wish they did!)

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pennsatuckian said:   
exclusivelysid said:   
pennsatuckian said:   
rustum said:   I am getting 1.5% for 15k with FABT. Are there any better options?
Thanks

  BofI.com pays 1.25% . . . The fine print, Direct deposit of $1,000 per month, 15 debit card transactions of at least $3.00 per transaction per month.  They only pay Interest on balances up to $150,000 Still that is over $150 per month.  Not a bad yield for a checking account in todays market.  You just have to keep your balances <~$150K!

   Is this checking? For savings they lowered it to 1.1%

  Yes...Rewards Checking.  Also, they do not pay 1.1% on any savings account.  (I wish they did!)

  
Huh? See https://www.ufbdirect.com/personal-banking/savings/ufb-savings#R...

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wqshmswee said:   netSpend Savings 5% for 5k
  Or Mango at 6% for $5k and Union at 5.1% for $5k.
http://www.fatwallet.com/forums/finance/1235341/ 
I have both products.
 

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They have a fee or DD requirement. Netspend savings is much easier to maintain. See this:
http://www.fatwallet.com/forums/finance/1432026/

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wqshmswee said:   They have a fee or DD requirement. Netspend savings is much easier to maintain. See this:
http://www.fatwallet.com/forums/finance/1432026/

  Not necessarily.  By this rule:
(7) Note that if you do not have an activity in your debit card account in 90 days, netSpend will charge you a maintenance fee. But it can be easily avoided.  You can schedule ACH transfers in your external bank account to automatically push $5 into your debit card account and then automatically pull $5 out of your debit card account. This will generate the needed activities.

If you use Mango, you can just put $36 into the acct once during the year.  Then you don't have to think about it for a year and the interest (with fee) still comes out to over 5% so more than Netspend.  With Union Plus, you can just schedule $500 month push in and pull out.  ACH works for this.  Plus I think some people are blacklisted from Netspend so this is just another option.  And actually you can have them all . No reason to limit yourself.

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cdancer20 said:   
wqshmswee said:   They have a fee or DD requirement. Netspend savings is much easier to maintain. See this:
http://www.fatwallet.com/forums/finance/1432026/

  Not necessarily.  By this rule:
(7) Note that if you do not have an activity in your debit card account in 90 days, netSpend will charge you a maintenance fee. But it can be easily avoided.  You can schedule ACH transfers in your external bank account to automatically push $5 into your debit card account and then automatically pull $5 out of your debit card account. This will generate the needed activities.

If you use Mango, you can just put $36 into the acct once during the year.  Then you don't have to think about it for a year and the interest (with fee) still comes out to over 5% so more than Netspend.  With Union Plus, you can just schedule $500 month push in and pull out.  ACH works for this.  Plus I think some people are blacklisted from Netspend so this is just another option.  And actually you can have them all . No reason to limit yourself.

  Good to know.  So this is no DD requirement for the 6% in Mango?

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After reading the above link, it seems to me that you need to have two real DD's in the beginning to qualify for the 6% for Mango. Does ACH count as DD? For me it is not easy to change my work DD.  That may be a deal breaker for me.

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I've looked through the links, but haven't found a link to list where you have to go visit the bank to set up an account (locally). Does someone maintain a list?

Thank you!

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idyllhands said:   I've looked through the links, but haven't found a link to list where you have to go visit the bank to set up an account (locally). Does someone maintain a list?

Thank you!

  I've found depositaccounts.com to be pretty good

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FYI for anyone using an RCA at Unibank. I just received an email stating that all supermarket & drug store debit card transactions are now required to be PIN transactions. If you were using supermarket or drug transactions for meeting your transaction requirements, looks like you'll have to make other purchases.

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