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At Wachovia Dealer Services, they are committed to exceptional service. It is a subsidiary of Wachovia Bank, N.A. Wachovia Dealer Services (WDS) is the country’s #3 auto lender and the #1 used-car lender, with regional offices servicing 47 states nationwide. They offer an integrated dealer services solution designed to help dealers sell more vehicles at greater profitability.

WDS provide an extensive credit range of lending to the auto industry; commercial, real estate and floorplan financing and a wide series of banking services through Wachovia Bank, N.A. They also offer F & I after-market products and services through Warranty Solutions, which is part of Wachovia Dealers Services group of companies. WDS has relationships with over 10,500 auto dealers and a consumer loan portfolio of billion.

If you are in the market to refinance your auto loan or are looking for other types of vehicle and personal financing, WDS has the tools you could use. It is your one stop site for new loans or to manage your current loans. If you are looking to refinance your car because you have a high rate loan with another lender or if you just want to find out if refinancing is for you, their Auto Refinance is a valuable resource with easy processing and is convenient. With Auto Refinancing, you will be able to apply for your loan online. You will able to find pricing on new and used cars, trucks, and vans along with a used vehicle’s history before you begin shopping. If you are looking to buy an RV or a boat, this financial institution can help you make a RV, boat purchase or refinance needs through Financial Underwriters Network. They also have insurance products plus online credit monitoring.

For dealers wanting to drive their dealership to greater success, WDS has auto financing programs, commercial banking relationships with Wachovia Online Banking, warranty solutions, Guaranteed Asset Protection programs, plus other tools and services as well as dealer support programs to serve all your business needs.

Visit the Wachovia Dealer Services website to learn a lot more.

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With just a few mouse clicks, Wachovia Bank Online services allow you to manage your money in a secure and easy-to-use system. For people who have very hectic schedules, it is the most convenient and safe way to do your banking. All you need is a computer and access to internet.

A diversified, wholly owned subsidiary of Wells Fargo based in Charlotte, North Carolina, Wachovia provides a broad range of banking, asset management, wealth management, and corporate and investment banking products and services.

Online banking with Wachovia provides you with the convenience so you have more time to do other more important things. Enroll yourself on the Online Banking with BillPay and you will be able to check your account activity and balances or view your statements online. You will also be able to manage your accounts through Wachovia Mobile. When you need to transfer funds between eligible accounts, you can do so online in less time. You can also pay your bills online as well as view the images of paid checks.

With Online Brokerage, you can access your investments, get real time quotes, place orders and confirm trades, keep track of the market, or even research a company or an entire industry. It is the easiest way to stay on top of the market and your investments. You can enroll any type of Wells Fargo Advisors brokerage account in Online Brokerage, as well as a Command Asset program, IRA, or standard brokerage account. If you are an active online trader, the new Wells Fargo Advisors Direct tiered commission schedule allows you to take advantage of lower trade commissions including lower per share price.

You have a 24-hour access to your account if you are a participant of a retirement plan with Wachovia through Wachovia Online Retirement Access. Through it, you can make adjustments or relocate contributions whenever you want. You can do all these and much more, with Wachovia Online Banking.

Banking with Wachovia Bank Online will make life a little easier and convenient.

 

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There are adjustments with the Coulee Bank Nationwide Checking Account. 3.33% Interest will be the new rate from 4.04% APY. This adjustment is due to the prolonged low interest rate environment as a result of the soft economy.

Coulee Bank intended to keep the yield on Rewards Checking at a level that is competitive and attractive to both local and national customers. Nevertheless, even with the adjustment their yield percentage is still the highest in their region and one of the best nationwide.

The 3.33% APY which is the new rate, will take effect starting February 01, 2010.

Coulee Bank Free Rewards Checking earns 3.33% APY on balances of $content to ,000 and for any balances over the ,000 balance, it will be .51%. To earn this, you need to meet the monthly qualifications: 1) You have to make at least 10 debit card point-of-sale transaction, excluding ATM transactions; 2) you have to receive a monthly electronic statement; 3) you should have one direct deposit or ACH Auto Debit, that is over .00.

For Rewards Checking, a “qualification cycle” starts on the last business day of a month and ends on the second to the last business day of the next month. This will allow Coulee bank to calculate and post interest and ATM refunds on the last business day of each month. All requirements must be completed and posted in each qualification cycle to be considered a qualifying account and receive the e-rate for that month. Interest is calculated and paid through the last calendar day of the month. If monthly requirements are not met, then Coulee will pay not less than the minimum rate on your account.  There are no monthly fees and no minimum balance to maintain. However, there is a minimum opening deposit of required.

These are Coulee Bank’s current bank rates and they may change without notice. Visit their website for more details on the Coulee Bank Nationwide Checking Account – 3.33% Interest.

 
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Mortgage rates have dropped below 5% for the first time in the 38 years of home mortgage industry. Freddie Mac estimated that these rates are the lowest in almost four decades because of the troubled economic conditions and rising rates of foreclosures. Here at Online Banks Blog, we’re eager to show you these low rates.

The best mortgage rates below 5% are available for customers that pay an average fee of around 0.7 points. Credit history plays an important role in determining the final mortgage rates that will be settled between the creditor and homeowners. The latter can do a significant bargaining and negotiations on rents in case of a good credit history, otherwise; it will not be that easy to find rates below 5%.

Payment of origination fee in the range of 0.5 to one percent is necessary to ensure a lower mortgage rate that can be as low as 4.5% in some extreme cases. Regional based mortgage rates and other factors also play their role. Customers that are not interested in the payment of origination fee will find themselves paying a mortgage rate in excess of 5% though other factors also play their role.

Mortgage rates have come down 5% on a national average in case everything works well for customers. Otherwise, it is still not possible to find these rates. Lower mortgage rates are applicable for the old conforming amount of 7,500. customers will have to pay about a quarter of a percentage point more in case they want to borrow more than 7,000 but less than 5,500; the new conforming amount.
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Always on the lookout for great opportunities, we here at Online Banks Blog saw the deal going on at ETrade and had to fill you in.

ETrade 100 is a great scheme for people that are interested in boosting their incomes without doing much of an effort. A new Power ETRADE account with a minimum opening deposit of ,000 will enable customers to benefit from 100 commission-free offers from the company.

ETrade 100 Promotion is applicable on each stock or options trade that is executed within 30 days of opening and funding of the new account. ETrade commission rates payment is done at the start of the trading session and is a uniform .99 for stock and option trades. An additional 75 cents are charged on option trades. This initial payment of commissions will result in the crediting of accounts with the same worth – .99 – of stock and trade options. The account needs to be funded within 60 days after its opening.

An execution of 30 to 149 trade options within a quarter is necessary for receiving the credit of .99 commissions. For .99 commissions, stock or trade options of up to 1,499 should be executed within a quarter.

The promotional commissions free offer provides an opportunity for those investors that are planning to trade heavily and thus will be able to find greater profits. Ordinary investors might not benefit form this opportunity if they are not planning to trade aggressively. The offer is not valid for non-IRA ETRADE Securities customers and non-U.S. residents. Active trader services team are available for further assistance and trailing stops and contingent orders are also available under this investment option.
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From New Jersey’s largest credit union, the Affinity Visa Platinum Card is offered to members of the Affinity Federal Credit Union. Affinity is headquartered in Basking Ridge and has been offering superior financial services with a member-oriented focus since 1935. With 18 branches throughout northern and central New Jersey, it has total assets in excess of .9 billion and has more than 130,000 members from more than 2,000 businesses and organizations.

Affinity promises low rates, no annual fees, and no gimmicks with Affinity Visa credit cards. You can get approved within 24 hours and receive your card in as little as 3 business days. The Affinity Visa Platinum Card is best for members who want a low interest card for the flexibility of carrying a balance. It has low fees for late payments and there are no penalty rate increases. There are no hidden charges for balance transfers or cash advances. The rate for all transaction types such as purchases, balance transfers, or cash advances are the same low rate.

This card also features purchase security, universal acceptance, verified by Visa Security for Online Purchases, Cardholder Inquiry Service, concierge service, zero liability, travel accident insurance, emergency card/ stolen card reporting, warranty manager, and travel and emergency assistance.

The card has an APR of 8.60% for purchases and cash advances for those with perfect credit. The rate is determined by taking the higher of either 0.716% per month or 8.60% APR, or .70% above the Prime Lending Rate on the 20th day of the preceding month in which the billing rate occurs. The minimum monthly payment is or 2% of the outstanding amount, whichever is higher. There are no annual fees, cash-advance fees, minimum finance charge, and a balance transfer fee but there is a late fee. Also, when the account goes over the approved limit, there is a over-the-limit-fee. For returned checks, there is a charge of .

These bank rates are current as of 2/4/2010 as posted in their website and may change without prior notice. More details on the Affinity Visa Platinum Card are found in their website.

 
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For some of us, rebuilding credit is foremost on our minds and right now might be a great time to start doing that. Here at Online Banks Blog, we’re not just about banks, but your whole financial life and credit is a big part of that.

Citi credit card is a premium financial product. Its high value in the market is mainly attributed to the mammoth status of its parent company. Citibank is still a major player in the US financial market despite some bad patches in recent past due to economic crisis.

The secured Citi card is offered in combination with the CD investment options. This means that the credit limit in the credit card directly corresponds to the amount deposited in a CD. The maximum amount allowed under this arrangement is ,000.

Citi secured credit card is available without any provision for a co-signer or minimum income. There is no liability on unauthorized charges and this arrangement secures customer’s account against any irregular levies or additional charges. Retail purchase protection is available under the secured credit card along with auto rental insurance.

Tap and go facility under the PayPassTM of Citibank is available under the secured credit card. The card offers all the traditional facilities along with the above-mentioned additional facilities and perks.

Credit cards are available on the company website along with additional details and services. Credit card monitoring services are also available under the option plans. Citi® IdentityMonitor® offers this opportunity along with the regular credit reports and other facilities.

If everything goes fine, customers will receive unsecured Citi Platinum Select credit card at the end of 18 months of the initial investment. This is subject to a healthy credit report and other rules and regulations.
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The Reliabank Dakota Checking Account – 4.07% APY is from a financial institution that is committed to serving the financial needs of residents and business alike of South Dakota. This has been Reliabank’s mission since its inception in 1920 when it was chartered by Fred Beskow family as Farmers National Bank of South Shore.

For balances between a penny and ,000, you can earn an incredible 4.07% APY with the Reliabank Ultimate Checking. The Ultimate Checking features free photo-ATM/CheckCard. You can also pay your bills, for free, with the Online Bill Pay. Convenience is what you will enjoy when you get to use the free Real-time Online Banking anywhere you and are anytime you need to, as long as you have a computer and an internet connection. You can also receive free e-statements with the Ultimate Checking.

To earn the ultimate rate, you must make twelve CheckCard transactions per statement cycle. You should also have at least one direct deposit, one automatic debit, or one bill pay clear the account per statement cycle. You also need to be enrolled with and receive e-statements.

Available to personal accounts only, there is actually no minimum balance required but you must deposit to open the account and there is no monthly service charge. Accounts with balances over ,000 will earn the standard rate of 1.01% APY, if qualifications per cycle are met. If not, your account will still function as a free checking account earning a base rate of 0.10% APY.

These bank rates are effective as of 1/26/2010 and are current on 2/9/2010. To know more about the Reliabank Dakota Checking Account – 4.07% APY, contact their office today.
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Today at Online Banks Blog, we’re going to look at something we haven’t considered before: a new savings option called SmartyPig.

SmartyPig savings account is a unique financial product. It is unique because of its flexible terms – it also has some distinctive features that are not easy to find at other financial institutions.

Smarty Pig savings account is basically an innovation of social networking where people can interact with their friends and family members; latter can also chime in the savings effort. The procedure of opening an account is pretty simple as customers need to present their proof of identity, driving license and other documents.

Account maintenance follows a simple rule: money management. Customers can add as much dollars into their account as they want but they also will have to upload their spending details and monthly budget plans. They have to create a balance sheet so as to keep checks on spending. Friends and family members help customers in meeting their goals and might also help them if they have overshot their budget.

Other features of the account include the flexibility in the deposition of money. Customers can decide to add some major bucks during one month while refraining from any deposit the next month. Once customers reach their saving goals, they can claim SmartyPig MasterCard® debit card. They can also receive up to a 12% cash boost on their savings; it can also be added on a retail card, including those by popular brands like Best Buy and Macy’s.

SmartyPig savings is a clever way of saving money in a modern fashion. The inclusion of social networking – amid its rising popularity – is a step in the right direction.
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The American Express Business Platinum Credit Card is being offered by an express company that used to forward freight and valuables which evolved into a company that created and sold financial products like money orders and traveler’s cheques.

The Business Platinum Card has more than 30 premium benefits designed to help make your business run smoother, more comfortable, and more profitable. You will enjoy accelerated earning and exclusive access to top-tier rewards with Members Rewards First program. This allows you to earn points on your business expenses. With earned points you can get airline tickets without a blackout date, events tickets, gift card or merchandise for clients and so much more. You can also gain complimentary access for you and your family, or 2 guests, at partner airport clubs worldwide with the Airport Club Access. The Premium Car Rental benefit with this card will also give you complimentary membership, along with special upgrades, savings, and priority treatment at Avis, Hertz, and National Car Rentals. Enjoy the Business Platinum Concierge is a 24/7 personal assistance for your unique business needs whether it be help on planning an event or choosing the perfect thank-you gift for your best client. With the card’s Fine Hotels and Resorts benefit, you can get special amenities at more than 600 of the world’s most luxurious hotels and resorts. Get walk-in access to more than 1,000 internet-equipped business lounges in 450 cities worldwide with this card’s Platinum Office Program.

The Platinum card will also give you savings from 3% to 25% on purchases you made with merchant partners.

When travelling, you get to have coverage against loss or damage of your baggage. You also have 24/7 access to medical, legal, financial, and emergency assistance when you travel. You will always have guaranteed room reservations and when on the road, you have access to 24/7 help.

These are just some of the numerous benefits you can enjoy from this business credit card.

Visit American Express website for more details and compare to bank rates. Check all the fine print to find out if the American Express Business Platinum Credit Card could be for you.

 
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