Bank Deals 2009

There have been a lot of great deals offered by banks thus far in 2009, and there are a lot of great deals to come. If your just joining us, banks offer these deals to attract new business and it can be expensive to acquire new customers, and each customer is profitable, hence the amazing offers they put out.

I found a new site that posts a lot of great bank deals that can really help you when your looking at switching banks or looking for a great rate.

Until I post some new deals, you might want to check out the new Chase Bank platinum card that has a 0% intro APR for one year and no annual fee. The 0% applies to purchases AND balance transfers, making this an excellent find for doing a balance transfer and saving a whole lot of money over the next 12 months, at which time you can find another 0% card to transfer the balance to.

Microsoft offering 35% off eBay purchases

Make an elligible purchase at ebay and you can get 35% off thanks to Microsoft.

You have to purchase an item using the Buy Now button!

To take advantage of this offer, you must follow a link in the microsoft search results. The image to the left shows the search result advertising this amazing deal.

Look for the ebay advertisement with a logo saying "35% cash back" on this search result page: http://www.fatwallet.com/redirect/bounce.php?afsrc=1&url=http://search.live.com/results.aspx?q=nintendo+wii&form=QBRE

Hurry, though, this offer is not going to last long!

You can get up to $250 back! For example, buy a laptop for $800, and you pay $550 on an already marked down loaptop! wow!

This is the best deal you are going to find this month, so I really recommend you make that big ticket purchase you have been holding out on.

Remember, you MUST follow the link from the search results. When you arrive at ebay, there will be a very small image at the top (shown below) showing that you are still in the 35% off browsing session. Before payment, you will be alerted of the purchases elligibility! Time to get some new emo gear!

$50 Cash Back - Chase Freedom

Get $50 cash back after your first purchase with the new Chase Freedom rewards credit card.

http://www.chasefreedomnow.com/home/

You also get 3% cash back or 3 points in the three categories where you spend the most (there are over 15 including Gas Stations, Grocery Stores, and Department Stores)

For every other purchase, you can earn 1 point or 1% cash back.

You receive the $50 cash back after your first purchase which is credited in bonus rebates which can be converted into a $50 check. See site for more details.

This is a good deal, and an awesome credit card. It's also one of the only cards I have chosen over the last year.

An Alternative to Payday Loans

We all know how friendly pay day loan company's are, and how they are so willing to help anyone in financial trouble. But there are alternatives to pay day loans.

The interest rates offered by pay day loan company's makes a credit card company look like a not-for-profit organization. And those who offer no checking account pay day loans can be even worse.

So what can you do instead of a pay day loan? Some banks offer "Overdraft Privilege" or similar programs. These allow you to pull out $300 or more from your checking account, through an ATM... Even if you don't have the money in your account. So let's pretend that you have 10 cents in your checking account, and you have to make your $250 car payment. Your getting paid in a week and you'll easily be able to cover the car payment. So, you pull $300 out of your checking account, resulting in a $25 overdraft. You pay the car payment, and within 30 days (hopefully within a couple days!) you deposit $325 into your checking account, bringing your checking account back to 10 cents, and saving you from a late payment on your car! The same loan would cost over $50 for a 14 day loan from a pay day advance company, and you have 30 days to repay the loan to your bank, as opposed to the company's 14 days.

Some lenders will allow you to pay a small fee in order to make a late payment, and the late payment will not show upon your credit history, making it to where you could avoid the payday advance, and where you would not need a checking account with overdraft privilige.

If you must use a payday advance, find the lowest interest rate possible. Average interest rates for such loans is about 400% APR. Only borrow as much as you can safely pay back, with interest, on your next payday, while still being able to make it to the following payday. DO NOT get caught in the act of using pay day advances, they should not be use more than once every 2-3 years.

Tags: pay day advance, pay day loan, no checking pay day advance

Stop Paying for ATM Fees

If your someone who always need to use an ATM, the $10-$20 a month your saving at your current bank is not as much as you think. You may have caught an awesome deal on your bank account, or so it seems. But are you still paying to use other banks atms?

Many banks, such as Wachovia, now offer free use of ANY banks ATM's.. The money you save by not driving around looking for your banks ATM could add up to more than the $10 your currently saving at your bank. ATM charges are usually $1.50 - $3.00, but if your like me and use an ATM 10 or so times a month, the gas saved searching for your ATM can be much more than the $1.50-$3.00 charge you avoided.

My current bank will pay ANY ATM withdrawl. I have withdrawn money at a casino ($10) and had the charge refunded to me. Clubs, casinos, and many places will charge outrageous amounts to use their ATM, and when you have a bank that will reimburse you, the savings throughout a year can be tremendous.

So shop around if you need to use ATM's a lot. Wachovia, Century Bank, and Citibank all have / or have had promotions in which you can use any atm.

$50 Bonus - First National Bank of Omaha

Receive a $50 Gift Card of your choice from First National Bank of Omaha when you open a Rewards Advantage Platinum Edition Visa. You will also receive a 0% APR on purchases and balance transfer for your first 9 billing cycles. Check the link below for more information.

Features:

• Earn a $50 Gift Card when you use your card within the first 3 billing cycles after your account is opened.**
• Generous annual point cap of 75,000 points and 5 year point expiration. ^†
• Earn 1 reward point for every $1 in purchases with the freedom of no annual fee. ^†
• FREE online access to view transactions, pay your bill, view up to 48 prior statements and more!

Terms:
*For additional information about rates, fee and other costs, see the Summary of Credit Terms.
**In order to qualify for the additional 6,000 bonus points, which qualifies you for a $50 gift card, a purchase, balance transfer or cash advance must post to your account within the first three billing cycles after your account is opened. See the terms document for additional requirements and offer details.
Complete details, including restrictions, limitations and exclusions, will be provided in the terms and conditions when you become a Cardmember.

Link to the Deal on the First National Bank Of Omaha's Website:
Click here to visit

Tags: Bank Deals, First National Bank of Omaha, Banks, Credit Cards

Wells Fargo Visa Platinum Credit Card

Open a new Wells Fargo Visa Platinum Card and you could (depending on certain factors, namely your credit score) receive 0% APR for 6 months, and no balance transfer fees for 6 months. The APR can be as high a 5.9% if you do not qualify.

Terms
Please see website below for all terms.

Fee information:
Transaction Fees for Cash Advances:
4% of the amount of each ATM advance or advance through the Wells Fargo Online® banking program or customer service ($5.00 minimum).
4% of the amount of each SUPERCHECKS^TM advance ($5.00 minimum).
4% of the amount of an advance obtained in person at a participating financial institution ($10.00 minimum).
4% of the amount of each advance through any other source ($20.00 minimum).
Transaction Fees for Overdraft Protection Advances:
$10.00 if the total of overdraft protection advances for the day is $25.00 or less;
$12.50 if the total of overdraft protection advances for the day is $25.01 - $100.00;
$15.00 if the total of overdraft protection advances for the day is $100.01 - $500.00; or
$20.00 if the total of overdraft protection advances for the day is greater than $500.00.
Balance Transfer Fee: The fee is $0 for the first 30 days the account is open and after that, 3% of the amount of each balance transfer, but not less than $5 or more than $75.
Late Payment Fee: $20 on balances less than $250; $29 on balances of $250 - $999.99; and $39 on balances of $1,000 and over.
Over-the-Credit-Limit Fee: $35

Link to deal on Wells Fargo
Deal Link 1
Deal Link 2

Tags: wells fargo, bank deals