I searched and didnt find any thread so tho't of posting this. I was referred by a friend to open a Virtual Bank eMoney Market A/c and I got $20 bonus for making $100 as the first deposit. Referral policy is here. eMoney Market rates as high as 2.02% APY sounded attractive when compared to a savings a/c so thought I'd give it a try! So if you guys know anyone having a Virtual Bank a/c send them your email address and your full (real) name and ask them to refer you - both of you will get $20 bonus Update - Online signup needs a Driving License as proof.
Message edited by: sandeeppotdar on 2009-07-10 22:53:31 CDT
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eMoney Market Features
FDIC Insured
Open with as little as $100
No monthly fees
Free online transfers from your existing personal checking account
Free online statements
Nationally competitive, high yield rates
Free electronic deposits and withdrawals
Restrictions
This account is only available to individuals.
Valid social security number needed.
You may link up to 4 personal checking accounts to this account.
VirtualBank will send two deposits to your personal checking account that must be verified and confirmed before your new account will be opened.
The ONLY way to deposit or withdraw funds is by logging into your account and electronically transferring the funds.
Wire transfers, mail in deposits and issuance of bank checks are not available.
Accountholders must be at least 18 years old.
Electronic transfers to your checking account usually take up to 3 business days.
During the first 30 days your new account is opened, a 10 business day hold will be placed on funds deposited into the account. You will not be able to transfer funds back to your checking account during this period. Every day is a business day, except Saturdays, Sundays and Federal Holidays. After your account has been opened for more than 30 days, a 3 business day hold will apply to ACH deposits.
In accordance with Regulation D, which banks must comply with, preauthorized transfers and withdrawals are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties. While Regulation D accounts for all of these types of transactions, the eMoney Market does not permit checks or debit card transactions. A $5 per item charge in excess of Regulation D limits will be assessed.
Message edited by: sandeeppotdar on 2009-05-29 16:58:38 CDT
I've had an account at Virtual Bank for several years, but their rates aren't that competitive these days. You have to maintain over $100k to get the 2%. That said, I'm all for taking advantage of the free money offers!
I called Customer Service, they had IE8 issues. You can workaround it by selecting "Compatibility Mode" under "Tools" in the menu bar.
I signed up. After I am done the verification process (probably after a week), I'm open to taking referral requests. Of course, after sandeep maxes out
sandeeppotdar said:darkhunter said:soft or hard credit pull? Anyone know? Showed on my Chex Inquiry only. Didnt see this on the CR. Can someone else confirm too?
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