http://www.jmssjj.com Fri, 11 Nov 2011 12:14:58 +0000 http://backend.userland.com/rss092 Article Summary: Your source for banking information security related news, articles, regulations, bulletins, white papers, webinars, education.The New Bank Fees effecting Online Banking have been received and the backlash has begun. At the beginning of the month, the US Government has decided to force a reduction in the amount the financial institutions could charge merchants for a digital debt transaction. The reason for Article Content: The New Bank Fees effecting Online Banking have been received and the backlash has begun. At the beginning of the month, the US Government has decided to force a reduction in the amount the financial institutions could charge merchants for a digital debt transaction. The reason for this change was the fact that the banks made billion in profit from these debit charges in 2009 alone. This excess was seen as unfair to the merchants who are still struggling to recover from the financial crisis caused by the large banks just a few years ago. This is when the greed of the larger banks kicked in and there was an announcement that they would then start to charge any of their customers that used their debit cards a month fee for doing so. All of the largest major financial institutions announced that they would begin to charge this fee including Bank of America with a fee.  Chase and Wells Fargo announced that they were going to add a charge to their customer’s accounts. Many of the online banks did not follow this pattern. The 99% protesters also had emerged and taken root on Wall Street bring corporate greed to the front pages. They made a call for all investors who had money in these financial giants to transfer their funds to the smaller community banks. In response this last week in October, many of the financial giants including Chase and Wells Fargo have dropped the introduction of this new fee. Only the ignorance at Bank of America has not stopped this obvious sign of greed. When it comes time to find the best bank rates, it has become obvious that the smaller banks are the place they can be located. Ally Bank is one of the few large financial institutions that have good rates and low to no fees for their customers. Maybe the larger banks can learn something from them, or they can watch their corporate greed destroy their companies. For additional resources involving financial help, please view New 401k Rules on Advice on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/banking-information-the-new-bank-fees-effecting-online-banking.html Article Summary: Banking Information Source provides essential information about the financial services industry, banking trends, topics, issues, and operations.This Online Banking November 2011 1 year CD rates update is being provided to give you the latest investing information so your money can be placed in a bank that will give you the best possible return on investment. All of these bank rates are from online banks that are openly advertising Article Content: This Online Banking November 2011 1 year CD rates update is being provided to give you the latest investing information so your money can be placed in a bank that will give you the best possible return on investment. All of these bank rates are from online banks that are openly advertising them to the public. The top CD rates again this month for the 1 year CD is from Palladian Bank. This 1 year CD is earning an APY of 1.25%. The minimum deposit to obtain this bank rate is ,000. The second best CD rates is new to the list this month. It is from The First National Bank of Pawnee. Their 1 year CD is earning an APY of 1.21% APY. The minimum deposit to obtain this rate is ,000. The 1.15% APY from Doral Bank has dropped to third this month.  A minimum deposit of ,000 is required to open an account with this financial institution and obtain this CD rate. CIT Bank is another new financial institution to our list this month. They have an Achiever 1 year CD that earning an APY of 1.15%. This allows for 1 rate increase during the term of the investment. The fixed term 1 year CD is earning an APY of 1.13% that requires a minimum deposit of ,000. AloStar Bank has a 1 year CD that is earning an APY of 1.12%. The minimum deposit required to obtain this rate is ,000. Goldwater Bank, Ascencia Bank and Hanni Bank are all offering an APY of 1.11% APY. The minimum deposit required from each financial institution is ,000, ,000 and ,000 respectively. For additional resources involving financial help, please view The New Bank Fees effecting Online Banking on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/banking-info-online-banking-november-2011-1-year-cd-rates-update.html Article Summary: Your source for banking information security related news, articles, regulations, bulletins, white papers, webinars, education.This Online Banking November 2011 2 year CD rates update is to help inform you on where you can be investing your money for the best possible return. These listed online banks and their associated bank rates are openly advertised on the internet. Currently the best CD rates with a Article Content: This Online Banking November 2011 2 year CD rates update is to help inform you on where you can be investing your money for the best possible return. These listed online banks and their associated bank rates are openly advertised on the internet. Currently the best CD rates with a 2 year term are 1.32% APY. This is a reduction of 0.03% from last month. This CD rate is being offered by Goldwater Bank in Arizona. The minimum deposit required is ,000. The next best rate is 1.31% APY. This is from Atlas Bank located in New York City. They require a minimum deposit of ,500 to open an account and obtain this advertised rate. The third best bank rate on a 2 year CD is 1.30%. This is available from multiple financial institutions. This included Corridor State bank in Iowa that requires a minimum deposit of ,000. American Express Bank is also in this group who is offering an APY of 1.30%. There is no minimum deposit amount with AMEX. AloStar Bank is also in this group from the great state of Texas. They require a minimum deposit of 1,000 to obtain the 1.30% APY rate. The last in this group is First Command Bank. They are offering an APY of 1.30% with a minimum deposit amount of ,000. Pacific Mercantile Bank in California is offering a 2 year CD that is earning an APY of 1.28%. The minimum deposit amount required is ,000. The Black River Country Bank in Wisconsin is offering a 2 year CD that is earning an APY of 1.26% with a minimum deposit amount of ,000 The Discover Bank has lowered their rates to 1.25% APY with a minimum amount of ,500. Another financial intuition that has just lowered their CD rates is Nova Bank just outside Philadelphia. They are offering an APY off 1.20% that requires a minimum deposit of 0. This is an Online Banking November 2011 2 year CD rates update to help you make a more informed decision. For additional resources involving financial help, please view Online Banking November 2011 1 year CD rates update on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/bank-information-online-banking-november-2011-2-year-cd-rates-update.html Article Summary: Jmssjj.com Banking Information is Your Complete Resource For Information On Banking.The Financial Services Authority (FSA) has fined Coutts & Company £6.3m due to failings related to the sale of an AIG fund. In addition, Coutts has undertaken to carry out a past business review, which will be supervised by an independent third party and aim to give fitting compensation Article Content: The Financial Services Authority (FSA) has fined Coutts & Company £6.3m due to failings related to the sale of an AIG fund. In addition, Coutts has undertaken to carry out a past business review, which will be supervised by an independent third party and aim to give fitting compensation to all customers who lost out [...] --------------------- http://www.jmssjj.com/bank-information-fsa-fines-coutts-6-3m.html Article Summary: Banking Information Source provides essential information about the financial services industry, banking trends, topics, issues, and operations.This Online Banking November 2011 3 year CD rates update has seen an increase in what you can obtain when investing your money with this term of CD from last month. While the increase is only 0.11%, it is still going up. That is better than the national trend which has most CD rates going [...] Article Content: This Online Banking November 2011 3 year CD rates update has seen an increase in what you can obtain when investing your money with this term of CD from last month. While the increase is only 0.11%, it is still going up. That is better than the national trend which has most CD rates going down. From the nationwide online banks the best CD rates on a 3 year CD is currently at 1.76% APY. This rate is now being offered by Black River Community Bank. They have their headquarters in Wisconsin but you can use their online banking services to manage your account. To obtain this CD a minimum deposit of ,000 must be made to the bank. The second best of the bank rates on a 3 year CD is 1.75% APY that is available at three different financial institutions. This includes Bellevue State Bank, Cashmere Valley Bank and East Boston Savings Bank. The minimum deposit required is ,500, 0 and ,000 respectively. Corridor State Bank has a 3 year certificate of deposit rate of 1.71% APY with a minimum deposit of ,000. For a deposit of ,000 the bank rate is 1.76% APY. The Union Center National Bank is offering an APY of 1.67% for their 3 year CD. The minimum deposit required is ,000. Boiling Springs Savings Bank is next in line for the best 3 year CD rate. Their CD is earning an APY of 1.65%. The minimum deposit required is ,000. The Doral Bank has reduced its 3 year CD rates since last month but still makes our list. Their certificate of deposit rate for a 3 year term is also 1.65%. The minimum deposit amount is still at ,000. This Online Banking November 2011 3 year CD rates update is one of the few terms that have actually shown improvement in the last year. For additional resources involving financial help, please view Online Banking November 2011 2 year CD rates update on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/banking-information-online-banking-november-2011-3-year-cd-rates-update.html Article Summary: Banking Information Source provides essential information about the financial services industry, banking trends, topics, issues, and operations.Clydesdale and Yorkshire Banks today have announced the launch of a new Cash ISA Fixed Rate Bond with a maturity date of the 31st October 2013. The two year ISA features an interest rate of 4% Gross/AER, mirroring the bank’s two year Term Deposit rate. The ISA has a minimum Article Content: Clydesdale and Yorkshire Banks today have announced the launch of a new Cash ISA Fixed Rate Bond with a maturity date of the 31st October 2013. The two year ISA features an interest rate of 4% Gross/AER, mirroring the bank’s two year Term Deposit rate. The ISA has a minimum opening balance of £2,000, and [...] --------------------- http://www.jmssjj.com/banking-information-clydesdale-and-yorkshire-banks-launch-new-isa.html Article Summary: Banking information Blog help you decide which banking program is right for you.Deutsche Postbank AG has reported its latest financial results, which include a 20% rise in operating profits to €716m. However, the writedown to 42% of Greek bonds meant that the third quarter was adversely affected by €341m, with the full-year impact coming to €527m. Therefore, Article Content: Deutsche Postbank AG has reported its latest financial results, which include a 20% rise in operating profits to €716m. However, the writedown to 42% of Greek bonds meant that the third quarter was adversely affected by €341m, with the full-year impact coming to €527m. Therefore, the bank reported pre-tax profits in the first nine months [...] --------------------- http://www.jmssjj.com/bank-information-postbank-reports-financial-results.html Article Summary: Jmssjj.com Banking Information is Your Complete Resource For Information On Banking.This is an Online Banking November 2011 5 year CD rates update to help keep you informed on this investing subject so you can place your money where it will benefit you the most. From the nationwide online banks, the best bank rate this month is 2.30% APY. This is up 0.10% from last month [...] Article Content: This is an Online Banking November 2011 5 year CD rates update to help keep you informed on this investing subject so you can place your money where it will benefit you the most. From the nationwide online banks, the best bank rate this month is 2.30% APY. This is up 0.10% from last month and is being offered by Farmington Bank. The minimum deposit amount is 0. The next best CD rates is from Black River Country Bank. Their 5 year CD is earning an APY of 2.27%. The minimum deposit required is ,000. In third this month are three financial institutions that are offering a 5 year CD with an APY of 2.25%. These are Washington Federal Bank, the First National Bank of Kansas and Tompkins Trust Company. The minimum deposit requires at each of these financial institutions to obtain the rate of 2.25% APY are ,000, 0 and ,000. From the New York City area comes the CD rate of 2.20%. This is being offered by the Geddes Federal Savings and Loan association. The minimum deposit amount to obtain this CD rate is 0. From the Midwestern state of Iowa comes the Corridor State Bank with a 5 year CD that is earning an APY of 2.16%. The minimum deposit amount required with them is ,000. In the Southern state of Louisiana is Ouachita Independent Bank and their 5 year CD is earning an APY of 2.15% APY on deposits of ,000 or more. Back to Iowa and the First State Bank of Colfax is offering an APY of 2.11% with a deposit of ,000. With a minimum deposit of ,000 the APY increases to 2.31% and for ,000 the APY is 2.36%. These are the best CD rates for the month of November on a 5 year CD. All rates were checked on November 4, 2011 but are subject to change without notice. For additional resources involving financial help, please view Online Banking November 2011 3 year CD rates update on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/banking-industry-information-online-banking-november-2011-5-year-cd-rates-update.html Article Summary: Jmssjj.com Banking Information is Your Complete Resource For Information On Banking.This Online Banking November 2011 6 month CD rates update has seen a reduction by many of the financial institutions that were on top and near the top of last month’s list. The reason for this list is to provide you with the latest investing information so your money can be placed Article Content: This Online Banking November 2011 6 month CD rates update has seen a reduction by many of the financial institutions that were on top and near the top of last month’s list. The reason for this list is to provide you with the latest investing information so your money can be placed where it will do you the most good. The best of the online banks CD rates on a 6 month CD is from Palladian Bank from Illinois that is earning an APY of 1.00%. The minimum deposit required to obtain this CD rate is ,000. The United Orient Bank from New York has the next best CD rate. They are offering a 6 month CD that is earning an APY of 0.90%. The minimum deposit required to open this account is 0. From the state of Arizona comes the Goldwater Bank 6 month CD rate of 0.88% APY. This can be obtained with a minimum deposit of ,000. From Kentucky is Ascencia Bank which is offering a 6 month CD rate of 0.85%. This same rate is also being offered by One West Bank in California and Stonebridge Bank in Pennsylvania. The minimum deposits required are 0, ,000 and 0 respectively. There are 4 financial institutions that are offering a 6 month CD that is earning an APY of 0.80%. This list includes Pacific Mercantile Bank, Discover Bank, Mertz Banking Company and Stockton National Bank. The minimum deposit amount required at each bank is ,000, ,500, ,000 and ,000. The Aurora Bank was number one last month, but they still make this month’s list with a 6 month CD rate of 0.76% with a minimum deposit of ,000. This Online Banking November 2011 6 month CD rates update was accurate on November 7, 2011 but all rates are subject to change without any prior notice. For additional resources involving financial help, please view Online Banking November 2011 5 year CD rates update on this website. We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.  Always remember, the bigger the risk, the larger the reward or loss. Invest with caution. Related Posts: --------------------- http://www.jmssjj.com/information-on-banking-online-banking-november-2011-6-month-cd-rates-update.html Article Summary: Your source for banking information security related news, articles, regulations, bulletins, white papers, webinars, education.Moody’s has placed on review for possible downgrade the C- bank financial strength rating and A1 senior unsecured debt and deposit rating of Lloyds TSB. The A2 senior debt rating of Lloyds Banking Group, certain junior securities and related group entities have also been placed Article Content: Moody’s has placed on review for possible downgrade the C- bank financial strength rating and A1 senior unsecured debt and deposit rating of Lloyds TSB. The A2 senior debt rating of Lloyds Banking Group, certain junior securities and related group entities have also been placed on review for possible downgrade. According to the credit rating [...] --------------------- http://www.jmssjj.com/banking-industry-information-lloyds%e2%80%99-credit-rating-threatened-by-management-%e2%80%9cupheavals%e2%80%9d.html