E-LOAN SAVINGS PLUS 3.85% APY

E-LOAN is offering a savings rate as high as 3.85% APY with a minimum deposit of $5,000.00. The are also offering a 5.25% APY on CD's with a minimum deposit of $10,000.00

Citibank FREE $100 Checking Deal

Citibank is running a checking account deal. You get $100 when you open a Citibank regular checking account and fund it with a minimum of $1,000 by 12/31/2008.

Although, there is a catch. You must make at least one direct deposit into your account or make at least two electronic bill payments from your account each month for three consecutive months. This should not be that much of a catch as a lot of people already use bill pay to pay bills.

Great CD Offer

These are premium CD Rates offered by Millenium Bank. Please Note you can not redeem these CD's until they mature. Great place to park you money.

Premium Certificates of Deposit

For the investor who is looking for an alternative to the low rates offered by most domestic banks, is looking for a guaranteed rate of return to avoid market fluctuations, and is willing to relinquish the option to redeem their investment prior to maturity in exchange for a higher yield, Millennium Bank offers Premium Certificates of Deposit. Please note that the interest rates for all certificates of deposit listed here are compounded annually.

Premium Certificate	Minimum Deposit	Interest Rate
1 Year CD	$5,000	5.50%
	$25,000	6.00%
	$100,000	6.50%
3 Year CD	$5,000	5.75%
	$25,000	6.25%
	$100,000	6.75%
4 Year CD	$5,000	6.00%
	$25,000	6.75%
	$100,000	7.25%
5 Year CD	$5,000	6.25%
	$25,000	7.00%
	$100,000	7.50%

Capital One Online Savings & Money Market Offer

Capital One is Offering an Online Savings Account with a 3.55% APY for balances over $10,000.00.

They also offer a high yield Money Market that you can open online with a 3.00% APY. There is no minimum balance, no fees, and you get free online transfers, checks, and an ATM card.

Wells Fargo Checking Offer - $50 free

Wells Fargo Bank deals are few and far between. This is a pretty easy deal too. All you need to do is open a checking account with $100 minimum deposit, and they will give you a $50 account credit within 45 days.

Wells Fargo is a solid bank that held up well during these turbulent times. In fact, in the second quarter of 2008, they earned a record $1.8 billion.

Online Banking

Online banking isn't out to change your money habits. It simply uses today's technology to give you the option of bypassing the time-consuming, paper-based aspects of traditional banking in order to manage your finances more quickly and efficiently.

It is almost certainly the way most banking will be conducted in the not-too-distant future.

Benefits of banking online

Whether your bank is a traditional brick and mortar institution or a Web-only bank with no brick and mortar branches, online banking lets you connect to your bank through the Internet and do things such as view your accounts, transfer money between accounts, view images of canceled checks, print copies of those checks and pay bills online. You'll find that it's common for online banking sites to be compatible with money managing programs such as Quicken and Microsoft Money.

Many banks make it easier to manage your checking account by allowing you set up e-mail alerts so you can be notified when checks clear or when your balance slips below a certain level. There is also a detailed listing of your canceled checks.

If you'd like to eliminate paper checks from your life, you'll find that a growing number of companies allow you to make automatic payments through your online banking account.

Getting set up for online bill pay

Getting started is easy. The bank's Web site will walk you through the steps of registering the bills you want to pay and the accounts you want to use to pay them. You'll only have to enter the information once. You can always make changes and add or subtract bills.

If a monthly bill is for the same amount each month, you might want to schedule a recurring payment. If the amount varies from month to month you can pay the bill each month on a "one time" basis.

Set your schedule

Once you have registered the accounts you wish to pay online, the next step is to schedule payments. Your creditors receive your online payment in one of two ways: electronic payment or check. If the company is set up to accept electronic payments, your payment is automatically debited from your account and deposited electronically into their account. If the company can't accept electronic payments, your bank issues a check based on your online payment instructions.

Most bill payment sites include a payment activity page that lists all of your payments and their status -- scheduled, pending or processed.

Be aware that companies sometimes change the billing address or your account number without warning. It's important to check your statement each month to verify those details as well as your transactions.

Security

You'll have a user name and password to access your online account. Just as with any information used to access any other financial account, you should keep these codes secret. Your bank will tell you what to look for -- usually an icon of a locked padlock -- to ensure you're accessing your account over a secure line.

You should also beware of a scam called phishing where crooks send out e-mails that might look exactly like e-mails from your bank. These e-mails often claim that some account or personal information is needed. You're asked to click on a link and fill in the information. As a hard-and-fast rule, never click on a link in an e-mail and then divulge account information. Call your bank -- don't use a phone number supplied in the e-mail -- and ask if the e-mail is legitimate.

Whether you bank online or prefer the old fashioned way, you receive a statement every month that details transactions and account status. In the next section, you'll see why you should take time each month to carefully review your statement.

Online Banking

If you're like most people, you've heard a lot about online banking but probably haven't tried it yourself. You still pay your bills by mail and deposit checks at your bank branch, much the way your parents did. You might shop online for a loan, life insurance or a home mortgage, but when it comes time to commit, you feel more comfortable working with your banker or an agent you know and trust.

Banking online has become a fairly simple process. The logging-in process is virtually as straightforward as any other site, with a couple of extra precautions. Banks and financial institutions take a great many precautions, as they have to. And yet, people don't seem to be convinced. A recent survey showed that, of computer users, only 39% regularly bank online, citing security as a concern.

That's natural; after all, people should be concerned about their money, especially these days, when reports of identity theft proliferate. There are cases where it does happen; however, few have come from proper online transactions. And the industry-standard 128-bit encryption is about as safe as you can get; it's the same as you find when purchasing online through secure sites (and if you purchase from non-secure sites and give credit card details... Sorry, but you get what you deserve).

Banking online allows you to check your balances and move money between your accounts at the click of a mouse. It helps eliminate the danger of being overdrawn, while still letting you keep money in a higher-interest savings or other account until it has to be moved. This gives you the flexibility to let your money really work for you, the way banks always claim it should in their ads.

Something you're probably used to is paying a monthly charge (unless you have a certain minimum balance) as well as paying for checks. A lot of online banks eliminate that fee; after all, you're not writing checks, and with fewer overheads, they don't need to make those charges—all of which helps put them in a more desirable position for consumers.