Can only be opened online Not available for North Carolina residents Minimum initial deposit is only $1 No monthly service fees or other hidden charges No rate tiers interest accrues monthly monthly e-statement ACH bank-to-bank transfer service with automatic transfers
Interest rate on your account may change at any time. If you close your account before interest is credited, you will not receive the accrued interest. Minimum monthly required activity - You must sign into and access your online banking account monthly to verify you have access to your eStatement. $3.00 fee per withdrawal in excess of 6 withdrawals per month. A maximum of $15,000 in electronic transfers on any defined banking day.
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posted: Feb. 15, 2010 @ 5:58p
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>>>>>HARD credit pull reported.
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posted: Feb. 15, 2010 @ 6:06p
Sounds great! I'll move all the money from my alliant accounts at 2% into this new account... err wait...
posted: Feb. 15, 2010 @ 6:48p
I am an NC resident, so I guess I'm ineligible for this account. I already have a high-yield checking account with them (4%), and I would definitely recommend them as a bank. Easy to use and great customer service.
Apparently, there is also a limit of 9 debits per calendar quarter.
They do not store bank account/routing information. It must be re-entered each time.
Senior Member - 10K
posted: Feb. 17, 2010 @ 7:57p
bustgum said: Apparently, there is also a limit of 9 debits per calendar quarterHmm, sort of weird way to over-implement Regulation D, as it allows 6 per statement period (or calendar month, if bank chooses to do so)
posted: Feb. 17, 2010 @ 7:59p
Alcibiades said: bustgum said: Apparently, there is also a limit of 9 debits per calendar quarterRegulation D allows 6 per statement period (or calendar month, if bank chooses to do so) It allows a MAXIMUM of 6 per month. Banks are free to set a lower limit or impose service fees for any or all transactions if they choose. I am only quoting what Banking Guy is reporting.
posted: Mar. 23, 2010 @ 2:16p
Given that Alliant CU is cutting rates, I thought this was worth a bump. I sounds like the ACH system and withdrawal limitations are annoying, but it's impressive that they've kept the 2.0% rate intact for 18 months now.
I'm thinking about giving it a try. I would definitely give it a try if it weren't for the hard pull.
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