ING Direct Canada - 1.35% interest rate and upto $150 in account opening bonus; use Orange Key 40489747S1
As part of its ongoing promotion for opening an account with a minimum of $100, ING Direct Canada is offering $100 bonus till Dec 31, 2013 - $50 for the person opening the account and $50 for the person referring. After Dec 31, 2013, the bonus is halved to $25 each. To get the bonus, use copy and paste the following Orange Key: 40489747S1.
I opened the account with $200 before this promotion and got the $25 referral bonus after ING Direct received my deposit. Good thing is that the account has no minimum balance requirement to avoid monthly fees or service charges.
To get the $50 (before Dec 31, 2013) or $25 (after Dec 31, 2013) bonus:
1. Open any ING Direct savings or chequing (checking) account: see: ING Direct CA: Account Bonus
2. Open the account with a minimum of $100 deposit.
3. Use Orange Key 40489747S1 on the account opening form.
To get upto $125 bonus on THRiVE Chequing Account:
For a limited time, ING Direct CA is also offering $100 bonus on its THRiVE Chequing Account. This is in addition to $25 regular bonus ($50 if you open account by Dec 31, 2013) for opening the account with Orange Key 40489747S1. The account has no minimum balance requirement, free online bill pay, free first 50 cheques, free debit purchases and in addition, it earns you interest!
To get the $100 bonus, you need to:
1. Open THRiVE Chequing Account with a minimum $100 deposit: ING Direct CA THRiVE Chequing Account: $100 bonus.
2. To get additional $25 bonus, on the account opening form, use Orange Key 40489747S1.
3. Make a payroll or pension deposit to your Account by January 31, 2014. ING Direct's Institution (Bank) Number is #614; our Transit (Branch) Number is #00152.
To get 1.35% interest rate on Savings account:
As part of another promotion, ING Direct is offering 1.35% interest rate for a limited time on new deposits to Canadian Dollar Investment Savings Account (ISA), a Tax-Free Investment Savings Account (TFSA), or an RSP Investment Savings Account (RSP ISA). Maximum deposit is $250,000. To get additional $25 bonus, on the account opening form, use Orange Key 40489747S1
Please also see Disclosures and Disclaimer. Additionally, I am a ING Direct Canada client and may get referral bonus.
$100 bonus for opening a free BB&T Bank checking account
For a limited time, BB&T Bank is offering $100 for opening a free checking account with no minimum balance and monthly maintenance fee. To get $100, you either need to set up and receive at least 2 direct payroll deposits (of at least $10 each) within 90 days of account opening, or make 3 online payments of at least $10 each within 60 days of account opening. Enter promotion code AFJAP at the time of account opening at BBT.com. Account must be opened by 03/31/2010 but the offer could be withdrawn earlier as well.
Free $100 on $25 initial deposit - PerkStreet Financial
For a limited time, PerkStreet Financial is offering $100 bonus for opening a free checking account with no minimum balance and no monthly maintenance fee. To get $100, you need to open the account with at least $25 deposit and must open by 12/31/2009. The account must remain open for at least 3 months. PerkStreet Financial is part of the Bancorp Bank and is FDIC-insured. Offer is open to first time customers only.
To avoid $4.95 monthly maintenance fee, you must have at least one of the following activities each month: direct deposit, bill pay, or check card usage.
I opened the account a couple of days ago but at that time, the promotion was for $50 only, so this is a much better offer. However, the good thing was that I was able to fund the account with my Schwab Bank Credit Card which offers 2% cash back. So on $500 deposit, that's an extra $10 for few minutes of opening the account - not bad!
HSBC ExtraVantage® Checking business account: Get a Dell Mini 10v Notebook, or a $150 Staples gift card, or 30,000 credit card rewards points
Open HSBC ExtraVantage® Checking for Business account by November 13, 2009 and you can get a Dell Mini 10v Notebook, or a $150 Staples gift card, or 30,000 credit card rewards points. The account has no maintenance fee for 12 months if opened by November 13, 2009 (fee is $25 per month after that, or you need to have $25,000 balance in your account to avoid the maintenance fee).
Other features include:
- Dedicated relationship manager - 750 free monthly checking transactions - Free Business Internet Banking and Online Bill Pay - MasterCard BusinessCard® card with a 0% introductory APR
Among the documentation required to open the account, you need articles of incorporation or Memorandum & Articles of Association but I called the bank and they told me that even sole proprietors can open this account. However, you need to provide the county's Trade Name form at the time of opening the account.
$100 Visa gift card for Green Bank checking account
For a limited time, GreenBank (member FDIC) is currently offering $100 Visa gift card for opening a personal checking account, including its Simply FREE CheckingTM account which has no minimum balance and monthly maintenance fee. To get $100, you need to register for the offer, open the account, and set up and receive at least two direct payroll deposit of $100 each within 60 days of account opening.
You can also get $50 for referrals, and up to $25 for your old check pads and check cards. According to GreenBank's Web site:
When you open your new account at GreenBank we will pay you for your old check pads and check cards, $2.50 each - up to $25!
The bank is also offering the $100 Visa gift card on its Business Checking. To get $100, you need to register for the offer, open the account, and make at least one Business Check Card purchase and one online BillPay of at least $100 within 45 days of account opening.
For a limited time, BBT Bank is currently offering $100 for opening a free checking account with no minimum balance and monthly maintenance fee. To get $100, you either need to set up and receive direct payroll deposit within 60 days of account opening, or make 3 online payments within 60 days of account opening. Enter promotion code AFAAP at the time of account opening at BBT.com. Account must be opened by 10/31/2009 but the offer could be withdrawn earlier as well.
While talking to my father recently, I found out that he ended up paying $85 in "Statement Rehandling Fee" to Provident Bank. Reason? Apparently, the bank had been sending monthly statements to my father but they had been returning back to the bank as non-deliverable. For almost two years, they been deducting $5 per month from my father's account. Since my father doesn't use Provident Bank much, he didn't notice the fee until he went to the branch in April 2009. My father told me that he thought that he had informed Provident Bank about updating his address when he moved but apparently, the bank was still sending statements to the old address. To avoid further charges, he went to the bank and closed his account.
When my father told me about it, I went with him to the Provident Bank branch near our house. Fortunately, my wife also has a account at that bank and we have used that branch a few times to deposit/withdraw money. I met with the one of the representatives there and told him about the situation. He looked at the system and found that my father had indeed provided them with his updated address but for some reasons, the statements were still getting send to the old address. However, he mentioned that since the account is closed, the bank may not credit $85 back. In addition, he mentioned that in case of any amount discrepancy, we are supposed to notify the bank within 60 days. Before we could say anything, he himself said that since we were not getting the statements, it wasn't our fault that we didn't notify the bank within 60 days. He put in the request for opening the account, and crediting the $85 in fees.
After about 2-3 weeks, my dad's account was opened but no amount was credited to our account. We went to the branch again and met that person. Fortunately, he remembered us. He took our info again and told us that he will talk to his branch manager. A couple of days later, we checked the account and lo and behold - $85 was there in the account!
Lesson learnt:
It pays to talk to the bank to see if the charges can be waived. As mentioned in one of my previous posts, if the fee was due to an infrequent mistake, chances are they will waive the fee.
This site, including blog posts, may contain reviews, links, banners, text and other forms of advertisements for
products, services, courses, and so
forth of companies of which we may be an affiliate member or for which we may get paid for referrals. This site may also
contain blog posts for which we
are paid, as well as blog posts regarding products or services of companies from which we may have received complimentary
products or services.
