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rated:
Question for whoever moves money frequently between accounts... how do you do that when many accounts have transfer limits? For example, I want money from my SFGI, Chase Checking and UFB account to whatever account has a higher rate. But both Chase and UFB have transaction limits. And SFGI can only be linked to one account (to my Chase checking currently). How do people get around all these limits?

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Don't initiate your transfer from an institution with transfer limits. Or make multiple transactions, keeping Reg D limits in mind.

Reg D limits electronic savings account withdrawals (other than by bank or ATM) to 6 per monthly statement period.  (3 of these can be by check if a money market account).  

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A check works too.

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NEDeals said:   Don't initiate your transfer from an institution with transfer limits. Or make multiple transactions, keeping Reg D limits in mind.
  What are "Reg D limits?"

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gasaver said:   NEDeals said:   Don't initiate your transfer from an institution with transfer limits. Or make multiple transactions, keeping Reg D limits in mind.What are "Reg D limits?"  https://en.wikipedia.org/wiki/Regulation_D_%28FRB%29

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cooltech08 said:   should this account be added to the list? It's 1.12% and it's nationally available...

https://www.nasb.com/banking/savings-cds/esavings/

  oops, what happened?  I just got around to going for that account and now it's .50%.  Oh well. nothing lost.

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Quorum FCU HighQ has gone down to .90%. Just happened to check today. https://www.quorumfcu.org/rates

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Treffen said:   
cooltech08 said:   should this account be added to the list? It's 1.12% and it's nationally available...

https://www.nasb.com/banking/savings-cds/esavings/

  oops, what happened?  I just got around to going for that account and now it's .50%.  Oh well. nothing lost.

  yeah, very strange how much they changed the rate in such a short period of time.

rated:
I've had the Barclays savings account for a little over a year, and it was fine till now. But now I want to add a new external account. So I went to the External Accounts page of Barclays. Each of my external accounts there has an option to delete it. But the option to add another external account is gone. I tried deleting one of my external accounts, on the theory that maybe I was trying to exceed their limit on number of external accounts. But there is still no option to add a new external account. Has anyone else noticed this recently?

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9000 said:   I've had the Barclays savings account for a little over a year, and it was fine till now. But now I want to add a new external account. So I went to the External Accounts page of Barclays. Each of my external accounts there has an option to delete it. But the option to add another external account is gone. I tried deleting one of my external accounts, on the theory that maybe I was trying to exceed their limit on number of external accounts. But there is still no option to add a new external account. Has anyone else noticed this recently?
Delete old accounts from pending.

rated:
Thanks for the hint. That never would have occurred to me, because none of them are actually pending, so I didn't even go to the pending page till your hint. But that seems to be exactly what the problem is. Old accounts that were pending a long time ago and were still in the pending page taking up space.

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Just noticed that Cap One raised rates

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BucknifeJones said:   Just noticed that Cap One raised rates
They did? Looks the same to me.

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Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have a capital one 360 account.

edit: modified hint "...capital one account" now "...capital one 360 account" as some users reported problems if they didn't have a 360 account v a regular capital one account.

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Quorum dropped from 1.00% to 0.90% in February. QS updated. Can someone resort it or post how to do that?

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johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  that's their online only (ie: ING/Netbank) division, I think.
their b&m banks are  1.09%. (thats what my essential savings acct is anyway)

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CIT bank lowered its rate again from 1% to 0.9%. (the highest was 1.05%)

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GE Capital Bank just sent out the notice -

"Several months ago, we announced the signing of an agreement to sell GE Capital Bank's deposit accounts to Goldman Sachs Bank, where you will continue to receive competitive rates, an easy-to-use website and excellent customer service. We anticipate the transaction closing on April 15, 2016. When the transaction has closed, your GE Capital Bank deposit account(s) will become a Goldman Sachs Bank account(s). Your account numbers will remain the same."

No idea what the rates are at Goldman Sachs Bank - nothing listed at www.GSBank.com

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delete.

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johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  
Thank you!  

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As of April 11, 2016, Redneck / All America Bank still has the 1.25% APY. There's no indication it's going to end anytime soon. Their statement cycle ends on the 20th unless that's a weekend, which moves it from Sat to Fri or from Sun to Mon. The 1.25% is good for all balances up to 35K. They have some useful alerts. For example you can set it up to alert you every time someone logs in to your account. And a bunch of other alerts.

rated:
Is 1.20% UFB Direct Savings The best for a large balance ($350K) that needs to be liquid?

Any signup bonus? 

Lot of red but no suggestions 

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needhelpplease said:   Is 1.20% UFB Direct Savings The best for a large balance ($350K) that needs to be liquid?

Any signup bonus? 

Lot of red but no suggestions 


They have a history of dropping it fast after a brief period of time.
  As long as you have an exit strategy, it is a great rate.

rated:
goldsheet said:   
needhelpplease said:   Is 1.20% UFB Direct Savings The best for a large balance ($350K) that needs to be liquid?

Any signup bonus? 

Lot of red but no suggestions 


They have a history of dropping it fast after a brief period of time.
  As long as you have an exit strategy, it is a great rate.

  
Thanks. Will go with 1% Cap 360..

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Did I miss the announcement about the Capital One 360 MMA?
Edit: yes I did.

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FWIW, Sallie Mae is advertising 1.05%, but the actual mechanics are 1.19% for the first 6 months, and then it drops to the current rate (which is currently .9%).

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brolic said:   FWIW, Sallie Mae is advertising 1.05%, but the actual mechanics are 1.19% for the first 6 months, and then it drops to the current rate (which is currently .9%).
  What is the address/URL?

rated:
johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  should we update QS?

rated:
johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  you gotta have a CapOne 360 account to do that, btw. Doesnt work if you just have the regular.

rated:
solarUS said:   
johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  you gotta have a CapOne 360 account to do that, btw. Doesnt work if you just have the regular.

  
and if you  have a CapOne reg account it pus you in an endless loop when applying

rated:
brolic said:   FWIW, Sallie Mae is advertising 1.05%, but the actual mechanics are 1.19% for the first 6 months, and then it drops to the current rate (which is currently .9%).
  ??

https://banking.salliemae.com/ 
 
High-Yield Savings Acct   0.80% APY   

     
Sallie Mae Money Market   up to 0.90% APY

 



rated:
needhelpplease said:   
solarUS said:   
johnniewalker said:   Cap One has a 'soft launch' of their 360 Money Market account, paying 1% for balance over 10k, .60% if your balance is less than 10k. I believe it just launched today.

Here is a url https://www.capitalone.com/bank/expectmore/ . Hint, if you already have a cap one account, when you press the green button to get started, you can tell them (that you have an acount) on the next page so you don't have to key in all your info. Takes 30 seconds to open if you have an account.

  you gotta have a CapOne 360 account to do that, btw. Doesnt work if you just have the regular.

  
and if you  have a CapOne reg account it pus you in an endless loop when applying

yup. i was somehow able to crawl from the event horizon of it and managed to apply :-P 

suits me great. my CapOne reg account is my hub for all other accounts, including brokerage etc...plus i have a HY checking that gives me free cashier's checks which i use often. this is ideal.

rated:
Goldman Sachs has made available "GS Bank" online. Looks to be a consumer product.

Savings account pays 1.04% (1.05 APR) on $1 or more...

Link to Online Savings Page

Online Savings Features

No minimum deposit to open
No transaction fees
Customer deposit limits apply
Multiple ways to access your money
Interest compounded daily, paid monthly
Rate is variable and may change after the Account is opened
Six withdrawal limit per statement cycle
FDIC insurance up to the maximum allowed by law

rated:
I'd double check that last item just to be sure. Leave it to GS to bankrupt the country and the FDIC

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johnniewalker said:   Goldman Sachs has made available "GS Bank" online. Looks to be a consumer product.

Exactly the same as the previous GE Capital Bank, which Goldman Sachs took over.

rated:
needhelpplease said:   
brolic said:   FWIW, Sallie Mae is advertising 1.05%, but the actual mechanics are 1.19% for the first 6 months, and then it drops to the current rate (which is currently .9%).
  ??

https://banking.salliemae.com/ 

 
High-Yield Savings Acct   0.80% APY   

     
Sallie Mae Money Market   up to 0.90% APY

 



  https://www.salliemae.com/banking/money-market/

I updated the QS with this Teaser Rate and the GE Capital -> GS name change.

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