1. Open and fund a new E*TRADE brokerage or retirement account and receive a cash credit of up to $6,000 based on qualified deposits.
2. Looking to open an investing account? You can get up to $3,500 when you transfer funds into your TradeStation account.
3. Huntington Bank is offering a $400 bonus for opening a Huntington Unlimited Business Checking account and make total deposits of at least $5,000 within 60 days of account opening. Member FDIC
4. Put your money in position to rack up interest – and elegantly integrate with your investing goals; you can earn 4.25% APY on your on your uninvested cash with the M1 High-Yield Cash Account.
5. Earn a $200 when you open a new Upgrade Rewards Checking Plus account and complete qualifying activities. Once you sign up for Rewards Checking Plus and direct deposit at least $1,000 in 45 days, both you and your friend can receive a bonus. You could combine with the $200 savings bonus offer which is valid through 12/2/24.
6. For a limited time, you can earn a $400 bonus when opening a new Basic Business Checking account from Axos Bank.
7. For a limited time, you can earn a $400 bonus when opening a new Business Interest Checking account from Axos Bank.
8. For new Chase checking customers, Chase Bank is offering $100 bonus when you simply sign up for a Chase Secure Banking account and complete any qualifying activities.
9. If you are a college student 17 to 24 years old with proof of student status, you can now open a Chase College Checking account and qualify for a $100 bonus.
10. Earn more on your money with 4.20% APY and a $325 bonus when you set up direct deposit into a SoFi Checking and Savings account.
11. Available nationwide, Grand Bank Money Market Deposit (powered by Raisin) is offering a 4.31% APY Rate.
12. Available for residents nationwide, Liberty Savings Bank High-Yield Savings Accounts are offering a phenomenal 4.36% APY rate.
13. Available nationwide, Ally Bank Online Savings is offering a $100 bonus + 3.85% APY Rate.
14. Available nationwide, the Wealthfront Cash account is offering 4.25% APY on your funds with zero account fees, no minimum or maximum balance, and up to $8M in FDIC insurance.
15. Available nationwide, Salem Five Direct eOne Savings Account is offering you 4.25% APY on your funds.
16. Available nationwide, Elevault is offering 4.34% APY for up to $50K when you open a new account using your iPhone iOS only.
17. Available nationwide, BMO Online Savings is offering a generous 4.45% APY Rate on your funds.
18. Available online nationwide, Republic Bank is offering a rate of 4.46% APY when you open a Digital Money Market account.
19. Available nationwide, Popular Direct is offering 4.60% APY when you open a High-Rise Savings Account with an opening deposit of $5,000.
20. Available online nationwide, North American Savings Bank is offering a rate of 4.55% APY when you open a Savings Account.
21. Available nationwide, Fierce Finance is offering 4.75% APY when you open a Cash Account. You can also earn a $20 stock or crypto bonus.
22. Available nationwide, you can earn 4.75% APY when you open a new Bread Financial High-Yield Savings.
23. Available nationwide, CFG Bank is offering a rate of 4.65% APY when you open a High Yield Money Market Account.
24. Available nationwide, MyBankingDirect offers a High Yield Savings Account with 4.75% APY for all balances.
25. Available nationwide, EagleBank High Yield Savings Accounts are offering a phenomenal 4.60% APY rate.
26. Available for residents nationwide, Bask Bank offers an Interest Savings Account with 4.65% APY.
27. Available nationwide, First Foundation Bank Online Savings is offering a staggering 4.75% APY Rate on up to $5M balance.
28. Available nationwide, First Foundation Bank Online Money Market is offers 4.75% APY on up to $5M balance.
29. Available nationwide, State Bank of Texas Jumbo Money Market Account is offering a competitive 4.75% APY Rate.
30. Available nationwide, Modern Bank High Yield Money Market is offering an astounding 4.75% APY Rate with absolutely no commitment.
31. Available nationwide, Forbright Bank Savings Accounts are offering a phenomenal 4.60% APY rate.
32. Available nationwide, BrioDirect High Yield Savings Plus is offering an attractive 4.85% APY rate and no monthly maintenance fee.
33. Available nationwide, TotalBank Money Market is offering a staggering 5.01% APY Rate.

Credit Card Offers 

1. With the Capital One Spark Cash Plus, you have an opportunity to earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
2. With the  Capital One Savor Cash Rewards Credit Card, you will earn $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
3. The Capital One Quicksilver Cash Rewards Credit Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening.
4. The Marriott Business card offers you have the opportunity to earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy. Certain hotels have resort fees. Terms apply.
5. The American Express Business Gold Card offers you the opportunity to earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
6. Alliant Visa Signature cardholders, check your emails for this spending offer! You can get a $150 bonus when spending $1,500 between 11/20 through 12/31/2024.

Travel News & Deals

1. Qatar Airways Amex Offer: Get a one-time $300 statement credit by using the enrolled eligible Card to spend a minimum of $2,000 in one or more purchases for Qatar Airways operated flights. Flights must originate from the US. Valid through 12/31/24.
2. Costco: Purchase $500 Southwest Airlines eGift Card for $429.99. $20 savings is valid 10/30/24 through 12/2/24. While supplies last. Limit 5 per member.

Hot Deals

1. If you are not currently a Rakuten member, you can sign up with us! As a new member you can earn a $40 Sign-Up Bonus. 
2. Exclusive for Hustlermoneyblog readers, they are also offering a $25 sign-up bonus upon earning $10 in cash back. Offer expires December 31, 2024!
3. Giftcards.com: Buy a $100 Visa Virtual Account, Get a free $10 Giftcards.com Gift Card using promo code GOBBLE
4. Amex Business Cards Offers: Check your amex offers for several types of offers. Some include $100 back with $2K spend, $200 back with $5,500 spend, etc. Valid through 12/21/24.
5. RebatesMe: Earn Black Friday Daily Prizes! If you join RebatesMe today, you can earn a $40 bonus.
6. Amazon Kindle Unlimited: YMMV but you can score 3 months for free! If not, there’s an offer of 3-months for $0.99
7. Stop&Shop, Giant, Martin’s: Earn 2x / 3x fuel points on Vanilla Visa Gift Card purchase. Valid 11/22 through 11/28/24.
8. Visible Citi Offer: Get $25 back on a purchase of $20 or more on Visible. Valid through 12/31/24.
9. Amazon: Purchase Apple 2024 Mac Mini Desktop Computer with M4 chip with 10?core CPU and 10?core GPU for $499.99
10. BJ’s Wholesale Club: Purchase $75 Lowe’s Gift Card for $60. Limit 5 Per Member
11. Amazon: Purchase Apple AirPods Pro 2 for $159.99
12. TopCashback: Get $3 Extra Cash Back w/ $20 Purchase. Sign up for a TopCashback account and earn a $25 sign-up bonus.

More

The post ETRADE $6000 Bonus, Truist $400 Bonus, Upgrade $400 Bonus, Huntington $400 Bonus, TotalBank MMA 5.01% APY, Rakuten $40 Bonus, $75 Lowe’s GC for $60, $300 Back Qatar Airways Amex Offer appeared first on Hustler Money Blog.

Our best free business checking accounts will help you relieve some of your worries and troubles of for your business banking needs. If you own a business you know the frustration of small fees adding up.

Explore Business Checking Accounts to find the perfect account for you. Each account comes with a unique blend of features as well as fees and restrictions.

If you’re starting your business, keeping your overhead costs as low as possible without overdoing it is ideal – so with free business checking accounts, that’s a good start. Below are the most common fees you’ll come across with business checking accounts:

• Monthly Service Fee: Just as straightforward as it sounds, it’s a charge that occurs for each month, and this monthly fee can range anywhere from $8 and up. Most accounts will allow you to waive this fee entirely by meeting some requirement.
• Excess Transaction Fee: This may sound new, but a handful of business checking accounts do have transaction limits; and if you go over this limit, there will be a charge. The charge isn’t much (could range up to 75 cents), but can surely add up over time increasing your overhead. Prepare and analyze how many transactions your business will incur each month to help pick the best account suitable for your business. The typical limit you’ll find is 100 possibly up to 200 – but there will be some accounts that offer more or less. Transactions can include but not limited to things like writing checks, debit card transactions, & ATM deposits.
• Cash Handling Fee: Another fee that can occur is if you deposit too much. Yes, depositing too much. Accounts may have a limit of how much cash you can deposit monthly – and if you go over, you’ll get charged for the overage. The fee is subtle (typically 20 – 30 cents), but can definitely add up over time.

Free Business Checking accounts take care of the monthly maintenance fees. You’re then left with deciding on which account gives you the most features with the fewest restrictions and overage charges. Other factors particular to your individual situation include branch and ATM locations.

We reviewed the largest traditional banks and online banks to come up with the list of the best free Business Checking accounts below.

Best Free Business Checking Accounts

Chase Business Complete Banking^SM

• Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions. • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments. • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account. • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology. • Associate Debit and Employee Deposit Cards available upon request Apply Now at Chase

We recommend this account for growing businesses which allows up to 100 transactions per month at no charge, plus unlimited electronic deposits & a $5,000 cash deposit per statement cycle without an additional fee. You’ll receive tons of perks from Chase Bank such as Account Alerts, Unlimited Electronic Deposits, a Business Associate Card, and much more! In addition, you can take advantage of great modern features larger banks offer like Chase Offers. Features from online/mobile banking operate exquisitely from institutions with such resources.

You can also pair this with one of Chase’s business credit cards.

Huntington Business Checking 100

The Huntington Business Checking 100 account is ideal for start-ups and small businesses with lower balances and checking activity. You get up to 100 transactions each month and a free 120-day trial of a fraud tool: Reverse Positive Pay.

The Huntington Business Checking 100 comes with no monthly fees. However, there is a $3.00 mailed statement service fee that can be waived when you choose free e-statements.

This account is available for those in IN, KY, MI, OH, PA, WV, IL, & WI (Bank Locator).

Editor’s Note: For those who are interested, you can also choose to take advantage of the Huntington Unlimited Business as well as the Huntington Unlimited Business Plus Accounts for an even higher bonus!

Axos Bank Basic Business Checking

• Monthly Service Fee: None
• Monthly Cash Deposit Limit: N/A
• Availability: Online nationwide
• Bottom Line: This account is ideal for small businesses as there are 200 free transactions per month.

Axos Bank is offering a Basic Business Checking Account for business owners looking to expedite your finances through attractive features and services.

(Visit Axos Bank to learn more)

Axos Bank Basic Interest Checking

• Monthly Service Fee: $10, waived with a minimum $5,000 balance
• Monthly Cash Deposit Limit: N/A
• Availability: Online nationwide
• Bottom Line: This account compounds interest on your account balance, 50 free items per month, free image statements, and the first 50 checks are free.

Axos Bank is offering a Business Interest Checking Account, allowing you to take charge with industry-leading rates to better your small business!

(Visit Axos Bank to learn more)

Grasshopper Bank Business Checking

With the Grasshopper Bank Business Checking, earn a competitive rate on balances over $10,000. On top of that, earn 1% cash back with no monthly fee and unlimited transactions.

• Innovator Checking clients get exclusive access Grasshopper’s to Innovator MMA Savings account which earns a competitive rate with balances over $25,000.
• Convenient Payment Options: Make secure purchases online or in-store with a tap, swipe or from your mobile wallet with your Grasshopper debit card.
• 24/7 Access to your Money: Fee-free withdrawals at 37,000+ MoneyPass and 8,500+ SUM ATMs nationwide.
• Earn Unlimited 1% Cash Back: Get 1% cash back on online and in-store signature based purchases.
• Instant-Issue Virtual Cards: Create and issue virtual debit cards instantly. Utilize these virtual debit cards for in-person contactless payments or online purchases.
• Digital Card Controls: Elevated security allows you to lock and unlock your card in seconds.
• Unlimited Transfers: Move money easily with unlimited free ACH and incoming domestic wires.

(FDIC Insured)

Bluevine Small Business Checking

• Monthly Service Fee: None
• Monthly Cash Deposit Limit: None
• Availability: Online nationwide
• Bottom Line: This internet-only account provides an attractive interest rate.

The Small Business Checking from Bluevine is designed for small businesses who prefer to bank online. Through features such as a high-interest rate, no monthly fee and no penalties or fees for most checking account transactions, definitely take advantage of the account.

(Visit Bluevine for more details)

Novo Review: Smarter Business Banking For Today’s Entrepreneurs

• Monthly Service Fee: None
• Monthly Cash Deposit Limit: N/A
• Availability: Online nationwide
• Bottom Line: Novo is a business banking platform that is bringing small business banking into the modern age with their easy-to-use tools for businesses on the go. You can easily open a business checking account in minutes, securely with no minimum balance requirements.

When you open an account, you get a free Novo business debit card. You can use it anywhere where Mastercard is accepted, as well as both Apple Pay and Google Pay.

Additionally, Novo doesn’t charge a fee to use an ATM, but you may have to pay a fee to the owner of the ATM. Plus, you can withdraw up to $1,000 per day.

(Visit Novo for more details)

TIAA Bank Business Checking

• Monthly Service Fee: $10 monthly fee waived if:
  • Maintain a $500 minimum daily balance, OR
  • Maintain a $1,000 average ledger balance during the fee period.
• Monthly Transactions Limit: 100 each month. No fee for the first 100 total transactions each fee period. $0.50 per transaction after 100 transactions.
• Monthly Cash Deposit Limit: $5,000 each month. No fee for the first $5,000 cash deposits processed each fee period. $.30 per $100 deposited after $5,000.
• Availability: AK, AL, AK, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
• Bottom Line: With the Wells Fargo Initiate Business Checking account, keep in mind about all 3 of the typical fees & restrictions. With that being said, the monthly fee is easily waived & the limits on transactions and cash deposits are generous for growing small businesses.

In terms of branch locations, Wells Fargo is one of the largest banks in the U.S. This is an advantage in terms of convenience for many business owners.

With the transaction limit and cash deposit limit being very forgiving & monthly fee being easily waived, the Wells Fargo Initiate Business Checking is a great option.

(Visit Wells Fargo for more details)

TIAA Bank Business Checking

• Monthly Service Fee: None with $5,000 minimum balance
• Monthly Transactions Limit: 200
• Monthly Cash Deposit Limit: N/A
• Availability: Online nationwide
• Bottom Line: This account will be ideal for most small businesses that incur 200 monthly transactions or less and 10 monthly bill payments.

The minimum opening deposit is $1,500 but to waive the $14.95 monthly service fee you will need to have a $5,000 balance.

In addition, this account comes with 200 free transactions a cycle. There will be a $0.25 charge per additional transaction as well as $0.50 fee for every additional bill payment over the 10 monthly limit.

This account is ideal for small business that do not have a high amount of transactions. This account also comes with several features to help you deposit checks:

• Business Mobile App. You can deposit checks using your mobile app by simply taking a picture/scanning using your mobile device (and you can deposit as many checks as you’d like).
• Office Deposits. You are able to use any approved scanner to make deposits. If you have 50 or less than 50 checks to deposit per given month, the Online Check Deposit (OCD) option will be free. For a higher volumes of check deposits, the Remote Deposit Capture (RDC) will run you a fee of $35  per month.
• Wire Transfer. This option may not be ideal – even though TIAA may not charge a fee, other institutions may.
• Postage paid deposit envelops. Not all of us prefer technology or some of us are not technologically savvy. In this case, you can order free postage paid deposit envelopes.
• If you own a small business and looking for an online checking option, the Business Checking account from TIAA Bank is worth considering.

(Visit TIAA Bank for more details)

U.S. Bank Silver Business Checking

• No Monthly Service Fee
• Monthly Transactions Limit: 150
• Monthly Cash Deposit Limit: 25 units (see explanation below)
• Availability: AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, TN, TX, UT, WA, WI, WY
• Bottom Line: There is no monthly fee with this account, however, you are limited to 150 transactions & 25 units of cash deposits per month. In convenience, they’re one of the largest banks in the U.S. and have over 3,000 branch locations across 28 states.

There is no monthly service fee, but you’re limited to only 150 transactions per month at no charge –  if you go over, the fee will be $0.50.

Now here’s where it gets a little tricky. You’re allowed “25 free units” each month in cash deposits. Each unit is a cash deposit divided by 100, and then rounded to a whole number. For example, if you deposit $250 cash in one transaction, the 2.5 is rounded up to 3, for a total of 3 units towards the 25 maximum monthly. Once you go over the 25 unit limit, there’s a small fee between $0.15 and $0.20 per additional $100 deposited.

(Visit U.S. Bank for more details)

Capital One Spark Business Basic Checking

• Monthly Fee: $15 monthly fee waived if your prior 30- or 90-day account balance averages $2,000 or more
• Monthly Transaction Limit: Unlimited
• Cash Deposit Limit: $5,000 included monthly at no charge; $1 for every $1,000 deposited after that

With this account, you’ll be able to take advantage of unlimited transactions! In addition, you can get free Overdraft Protection with a linked Capital One small business deposit account. Also, you’ll get a business debit card, online bill pay and online and mobile checking at no additional cost. It’s the checking account your business can count on for its cash flow management needs.

(Visit Capital One for more details)

Citibank CitiBusiness^® Streamlined Checking Account

• Monthly Fee: $15 waived with a minimum average monthly balance of $5,000.
• Monthly Transaction Limit: 250
• Cash Deposit Limit: $5,000 or $10,000 depending on state

This basic business checking account is ideal for businesses that make fewer than 250 transactions every month. This basic account is perfect for smaller businesses and firms. Consider this account if:

• You make fewer than 250 transactions every month.
• You want no monthly fee when you keep the minimum balance.
• No withdrawal fees at Citibank ATMs.
• You want the protection of FDIC insurance (up to $250,000 per depositor).

(Visit Citibank for more details)

Wells Fargo Initiate Business Checking

Being one of the largest banks in terms of branch locations in the United States, Wells Fargo creates an advantage of convenience convenience for many business owners.

The Wells Fargo Initiate Business Checking a great option for many business with its forgiving transaction & cash deposit limit on top of a monthly fee that’s easy to waive.

• Monthly Fee: $10 waived with one of the following:
  • Maintain a $500 minimum daily balance, OR
    Maintain a $1,000 average ledger balance during the fee period.
• Monthly Transaction Limit: 100. There is no fee for the first 100 total transactions each fee period. After 100, there is a fee of $0.50 per transaction.
• Cash Deposit Limit: $5,000 monthly. There is no fee for the first $5,000 cash deposits processed each fee period. After $5,000, there is a fee of $.30 per $100 deposited.

(Visit Wells Fargo for more details)

*We recommend learning more about the Chase Bank’s business checking account or Huntington Bank’s business checking accounts.*

You can view an extensive list of bank bonuses from institutions like Chase Bank, Huntington Bank, HSBC, Discover Bank, TD Bank, CIT Bank, and Bank of America.

Chase Bank Business Checking Bonus: $300 Offer Coupon – Ends 1/16/25

Chase Total Checking $300 Bonus – Ends 1/22/25

Rakuten Promotions: $40 Sign-Up Bonus & Referrals

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The post Best Free Business Checking Accounts – November 2024 appeared first on Hustler Money Blog.

Before you sign up for just any checking account, you must consider and review the account features. Check if your checking account will offer a free debit card, online and mobile banking, no monthly fee and more.

Avoid accounts with overdraft fees, paper statement fees and more. If you’re interested in a student checking account, read on!

Opening An Account

When opening a checking account either online or in branch, you’ll need several forms to ID, an initial deposit and more:

• Basic Information – Including your social security number, mailing address, phone number, and email address.
• Two Forms of ID – Your driver’s license and student ID will suffice.
• Proof of Address – A piece mail with your name and home address.
• Initial Deposit – Ranges from $0 to $100 with different banks/
• Beneficiary – Who will receive your money should you pass away.

Checking Account Features

• Debit Card – Connected to your bank account, you can make purchases directly
• Electronic Deposits – Connect your account to have your salary, tax refunds and more to have it automatically deposited. Additionally, make payments with your account when you connect your account
• Online and Mobile Banking – Pay your rent, bills and more without leaving your couch.

Checking Account Fees

Check if your account is fee free and avoid:

• Monthly maintenance fee
• Non-bank ATM fee
• Overdraft/non-sufficient funds (NSF) fee
• Overdraft transfer fee
• Continuous overdraft fee
• Paper statement fee

Overdraft Protection

Overdraft protection is when the bank covers for you in instances when there’s not enough money in your bank account. But the convenience of overdraft protection can compound quickly into hundreds of dollars in fees.

Make sure you know if your bank has overdraft fees and link up to a savings account or credit card. Overdraft transfer fees are generally less expensive than overdraft protection fees.

Other Factors

• Linked Savings Account – Some banks offer a savings account you can automatically link to your checking account.
• Bonuses – Check if the bank account is currently offering a bonus when you sign up and meet the requirements.
• Coverage – Is your bank online only or will you need to go to their physical locations
• Overdraft Fees – If your bank account balance goes negative, your bank will charge you for it. This happens when you spend more money than you have in your bank account. These fees may vary from bank to bank.
• Monthly Maintenance Fees – See is you have to maintain a certain balance or need a monthly deposit. Most banks waive this for students.

Best College Checking Account: Chase College Checking

For college students 17 to 24 years old at account opening with proof of student status check out the Chase College Checking^SM account, enjoy features such as:

• Enjoy $100 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment. • $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old. • Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply. • Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere. • Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly. • JPMorgan Chase Bank, N.A. Member FDIC *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Apply Now at Chase

Enrollment Requirements:

• Student aged 17 to 24
• Parent co-owner if younger than 18

Fee-Free ATM Coverage: US Bank Student Checking

Offering 3,000 branches and over 5,300 U.S. Bank ATMs, the U.S. Bank Student Checking Account transactions made within the network of 24,000 MoneyPass ATMs nationwide are free of charge.

Features are:

• No minimum balance required.
• Wide fee-free ATM coverage.
• Up to 4 non-US Bank ATM transaction fees waived per monthly statement cycle.
• First order of checks free.

Requirements:

• Proof of active student enrollment.
• Parent co-owner if younger than 18.
• $25 minimum opening deposit.

Saving: Bank of America Student Checking

Bank of America offers a “Keep The Change” savings program where you can get cash back deals with their Bank of American Student Checking Accounts.

Features:

• “Keep the Change” savings program. BofA rounds up your purchases to the nearest dollar and deposits the difference into your BofA savings account.
• BankAmeriDeals, earn cash back rewards with your BofA debit or credit card.
• Bank of America student credit cards with no annual fee, get points on everyday purchases.

Requirements:

• Students age 23 or younger.
• $25 minimum opening deposit.

Interest Rate: Capital One Student Checking

Most student checking accounts offer no interest, but the Capital One 360 Money Account offers a competitive APY with no balance minimum

Features:

• No minimum balance required.
• Fee-free access to 39,000 Capital One and Allpoint ATMs.
• Flexible overdraft options:
  • Auto declining charges when you don’t have enough funds to cover the transaction,
  • Linking to a Capital One 360 Savings account to cover the charges,
  • Using the one business day grace period to add sufficient funds, or
  • Using Capital One’s Overdraft Line of Credit. The bank will cover the overdrawn amount. You’ll have to pay back with interest.
• 0.25% APY compounded daily.
• Free first set of checks.

Requirements:

• Parent co-owner with an active Capital One 360 deposit account.
• No minimum opening deposit.
• Must agree to accept electronic delivery of all communications.

Customer Support: TD Bank Student Checking

Talk to a live person with a TD Bank Student Checking Account and enjoy 24/7 customer support.

Features:

• No minimum balance required.
• 24/7 live customer support.
• Fee-free TD Bank Simple Savings account.

Requirements:

• Students up to age 24.
• Parent co-owner if younger than 18.
• $0 minimum opening deposit.

Best Bank for Teens: Wells Fargo Teen Checking

Learn about budgeting and saving with the Wells Fargo Teen Checking Account which offers a forgiving overdraft fee feature.

Features:

• Low overdraft fee of $15 per transaction with a max of 2 paid or returned transactions per business day.

Requirements:

• Teens aged 13 to 17 (max 18 in Alabama) with adult co-owner.
• $25 minimum opening deposit.

International Students: Santander Student Value Checking

Students that are ages 16 to 25 can enjoy a Student Value Checking Account from Santander that offers fee-free incoming national transfers.

Features:

• No minimum balance required.
• Fee-free incoming international transfers.
• Fee-free Santander Savings and Santander Money Market Savings accounts.

Requirements:

• Students age 16-25.
• Parent co-owner if younger than 18.
• $10 minimum opening deposit.

Bonus:

• Get $50 when you open a new Student Value Checking account with minimum opening deposit of $10.
• Make 10 debit card purchases that post to your account within 60 days of account opening.

Virtual Wallet: PNC Bank Virtual Wallet Student

Enjoy a virtual wallet that helps you manage, save and grow in your different accounts with the PNC Bank Virtual Wallet Student.

Features:

• No minimum balance required.
• Get 3 accounts in 1: Checking, short-term savings and long-term savings.
• Up to 2 non-PNC Bank ATM transaction fees waived per monthly statement cycle.
• They will refund your first overdraft or NSF fee in the first 12 months after account opening.
• Free overdraft protection.
• One free incoming wire transfer (domestic or international) per monthly statement cycle.

Requirements:

• Actively enrolled student.
• Parent co-owner if younger than 18.
• $25 minimum opening deposit ($0 if you open online).

Personalized Debit Card Feature: BB&T Student Checking

You can design your own debit card with a gallery of images or by uploading your own photo with the BB&T Student Checking.

Features:

• No minimum balance required.
• Up to 2 non-BB&T Bank ATM transaction fees waived per monthly statement cycle.
• Cashback with BB&T Deals.
• Option to personalize your debit card.
• Fee-free regular savings account.

Requirements:

• Students up to age 24.
• No minimum opening deposit.

Relationship Rewards: KeyBank Student Checking

With the KeyBank Student Checking Account, start earning points when you use your debit card to pay bills online and more. You can later redeem these for gift cards, travel rewards and more.

Features:

• No minimum balance required.
• Up to $6 in non-KeyBank ATM transaction fees waived per monthly statement cycle.
• KeyBank Relationship Rewards. Earn points when you do everyday banking activities.

Requirements:

• Students age 16 to 24.
• Parent co-owner if younger than 18.
• $50 minimum opening deposit.

Cash Back Deals: SunTrust Essential Student Checking

Get cash back deals on participating retailers such as Hilton, Starbucks, Dick’s Sporting Goods and more with your SunTrust Essentials Student Checking Account.

Features:

• Get cash back by making purchases with your SunTrust credit or debit card at hundreds of participating retailers.

Requirements:

• Proof of active student enrollment.
• $100 minimum opening deposit.

Recommended Card for Students

Bottom Line

If you’re still a student, check out some some of our Student Checking Accounts above! Most offer a cash bonus and no monthly fees with your account. See which account fits your needs above.

Start budgeting with your account and enjoy the benefits of mobile depositing and more. Check out all our extensive list best bank bonuses, here on HMB! Or check out the top bank promotions from institutions like Chase, Huntington, Discover, CIT, TD, HSBC, and more!

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The post Best Student Checking Accounts – November 2024 appeared first on Hustler Money Blog.

If you’re here, you’re more than likely looking for the Best Free Checking Accounts and that’s definitely a smart financial move if you do not want to pay to have a checking account.

When opening a checking account, it’s important to keep in mind the monthly service fees and if you’re able to fulfill those fees each month.

Monthly maintenance fees can range from just a few dollars and up to $30+; typically, the higher the fee, the more perks and benefits the account offers.

Often times, there are fee waivers if you meet A, B, or C requirement – however, there are accounts out there that offer the checking account for free.

Some of these free Checking accounts also have sign-up bonuses as well.

I’ll review your best free Checking account options below.

Chime Spending Account + $100 Bonus

With the Chime Spending account, you’re able to track your account balances, daily transactions, & savings from anywhere with the Chime mobile app.

Chime has no minimum balance requirement and no monthly fees or maintenance fees of any kind. Since it has no fees, this makes it a very easy bank account to manage.

• Open a new Chime bank account using a referral link.
• Make a direct deposit of $200 or more within 45 days of opening your account.
• The $100 bonus posts to your Chime account within 2 business days of meeting the requirements, but typically posts instantly once the requirements are met.

You’ll get daily balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card. Also, you can get paid up to 2 days early with direct deposit!

• Apply Now at Chime
• Availability: Online
  • Physical Branches: No
• Mobile App: iOS or Android
• Earns Interest: No
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: Any
• ATM Access: Over 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs.

Fairwinds Checking + $100 Bonus

Available nationwide, get a $100 bonus when you open a Fairwinds Checking Account or Fairwinds Spending Account and complete a direct deposit of $200 or more.

• Availability: Available nationwide
• Mobile App: iOS  or Android
• Bonus Offer: Yes, $100 bonus
• Interest Rate: None
• Monthly Fee: None
• How To Earn Bonus:
  • Open a Fairwinds Checking or Spending Account with a $25 minimum deposit using this link.
  • Make a qualifying direct deposit of $200 or more (excluding the new account deposit) within 45 days of account opening.
  • Get a $100 bonus on or about the 15th day of the month following the qualifying direct deposit.
• Minimum Opening Deposit: $25
• Credit Card Funding: Up to $500
• Credit Inquiry: Soft Pull

(Visit Fairwinds Credit Union to learn more)

Chase Total Checking® + $200 Bonus

Although the Chase Total Checking® account is not free, the monthly service fee is very easy to waive.

This account offers outstanding perks and benefits and we feel like this account should be added to this list.

You’ll be able to use their online banking, bill pay and mobile banking services, plus Chase DepositFriendly^SM ATMs nationwide.

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • JPMorgan Chase Bank, N.A. Member FDIC • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Open an Account

Axos Bank Rewards Checking

An internet-only bank, Axos Bank offers a few free Checking accounts you may want to consider. There Rewards Checking account lets you earn interest and has no monthly maintenance fees or minimum balance requirements.

Earn up to 3.30% APY with the Axos Bank Rewards Checking account while enjoying a suite of digital tools for smarter money management. This is banking, redefined. • Use promo code AXOS300 and apply by December 31st, to earn up to a $300 bonus! • Zero monthly maintenance fees • Zero overdraft or NSF fees • Zero minimum monthly balance reqs • Unlimited domestic ATM fee reimbursements • Online debit card management • Simple, 3-step process for direct deposit • Only $50 to open an account Apply Now at Axos Bank

BMO Harris Bank Checking

With the BMO Harris Smart Advantage^TM Account, you’ll get the banking perks you need with no monthly maintenance fees.

• No minimum balance required
• Fee-free transactions at more than 40,000 Allpoint® network ATMs nationwide
• No monthly fees with paperless statements

With the BMO Harris Smart Money^TM Account, enjoy no overdraft or NSF fees.

• No minimum balance required
• Unlimited fee-free transactions at over 40,000 Allpoint® network ATMs nationwide
• No monthly maintenance fee if you’re under 25 years old

(Visit BMO Harris to learn more)

Aspiration Spend & Save account

With Aspiration Spend & Save, get the world’s first cash back account that lets you track the impact of your spending – all managed through one intuitive app.

You’ll receive a debit card with cash back on every dollar spent, get free access to every ATM in the world, and earn a competitive APY on your funds! In addition, your deposits are FDIC-insured, there are no hidden fees!

With Aspiration Spend & SaveTM, get the world’s first cash back account that lets you track the impact of your spending - all managed through one intuitive app. You'll save the planet and earn up to 5.00% APY. Customer must complete the following activities: • Open and fund an Aspiration Spend & Save Account or Aspiration Plus Account with a deposit of $10 or more, and Apply Now at Aspiration

• Availability: Online
  • Physical Branches: No
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $10
• ATM Access: Free access to every ATM in the world

Capital One 360 Checking Account

Expect more from your checking. With this free account, you’ll have no monthly fees to worry about and you can use this account anytime, anywhere.

You’ll be able to take advantage of several perks like a fee-free account, no minimums to worry about, free ATMs, mobile deposit, online bill pay, overdraft options, and more!

• Apply Now at Capital One
• Availability: Online
  • Physical Branches: Locator
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $250
• ATM Access: Access to over 39,000 fee-free Allpoint® ATMs.

Betterment Checking 

Take advantage of the Betterment Checking and utilize features such as ATM and foreign fees reimbursed worldwide as well as Visa foreign transaction fees reimbursed. Additionally, Betterment aims to provide more services and benefits with upcoming features such as deposit checks from your phone as well as joint checking accounts.

• Availability: Nationwide Online
  • Physical Branches: None
• Mobile App: iOS or Android
• Bonus Offer? Check for current promotions
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: None

NBKC Bank Personal Checking Account

With this account, you can surely expect no monthly fee with  no minimum balance to worry about. Convenience is also on your side with access to 32k+ Moneypass® ATMs + up to $12/mo refund for any other ATM fees!

With that being said, you can expect to pay:

However, you may have to pay a $5 to send a domestic wire to Anywhere, USA & $45 to send or receive international wires.

• Availability: Nationwide (Bank Locator)
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $5
• ATM Access: Use 32,000+ MoneyPass® ATMs for free in the U.S. and Puerto Rico, plus up to $12 in monthly refunds for ATM fees any other banks charge you from anywhere in the world.

FNBO Direct Online Checking account

With the FNBO Direct Online Checking account, you can expect a security, 24/7 acess convenience, and the confidence of banking with FNBO Direct all with no hidden fees, and so many perks.

With this account, you can manage and organize your finances, check balances, and pay bills, & get access via online banking at your fingertips (log in on any device), & monitor your spending, set account alerts, and download activity to Quicken® or QuickBooks®.

• Availability: Online
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $1
• ATM Access: Access 55,000 ATMs surcharge-free on the Allpoint Network

Charles Schwab Bank High Yield Investor Checking®

When people think of Charles Schwab, the first thing that typically comes to mind is brokerage accounts. However, did you know their checking account  is a fantastic account especially for travelers?

Why? There are unlimited ATM fee rebates on withdrawals worldwide!

On top of that, there are no monthly service fees and you’ll get access to many perks and benefits with this account. In addition, you’ll receive a free brokerage account when opening a checking account.

• Apply Now at Charles Schwab
• Availability: Nationwide (Branch Locator)
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $0
• ATM Access: Unlimited ATM fee rebates anywhere in the world

Ally Interest Checking Account

Ally is an online bank with a tremendous presence. Why? Well, for one, they have one of the best customer service teams available 24/7, any day of the week in addition to online chat! With this account, you can expect no monthly fee or minimum balance to worry about.

On top of these perks, this checking account earns interest! You can also send money to, or receive money from, friends and family with a bank account in the U.S. quickly and securely with Zelle®

• Apply Now at Ally
• Availability: Online
• Mobile App: iOS or Android
• Earns Interest: Yes
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $0
• ATM Access: Use any Allpoint® ATM in the U.S. for free, plus they’ll reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide (Find ATMs)

Discover Cashback Debit account

The Discover Cashback debit account comes with no monthly fees or monthly balance! With access to over 60,000 no-fee ATMs across the U.S., this is a great way for you to earn rewards on all of your purchases! Plus, you may consider to open their online savings account to earn a sign-up bonus.

• Availability: Nationwide Online
  • Physical Branches: None
• Mobile App: iOS or Android
• Earns Interest: No, but earns cash back
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: None
• ATM Access: With over 60,000 no-fee ATMs in the U.S., Discover is always nearby.

Huntington Asterisk-Free Checking Account

If you’re looking for a great checking account where you do not have to worry about maintain minimum balances, here is your calling! However, this account is only available across eight Midwestern states.

Although this account is free, you’ll have access to the standard benefits you expect. The Asterisk-Free Checking® is free to open and free to maintain with no monthly maintenance fees. Plus, this checking account has all the features you want, including All Day Deposit?, 24-Hour Grace® and free online banking.

• Availability: IN, KY, MI, OH, PA, & WV (Bank Locator)
• Mobile App: iOS or Android
• Earns Interest: No
• Monthly Service Fee: None
• Minimum Balance Requirement: None
• Minimum Opening Deposit: $25
• ATM Access: Over 1,800 ATMs across eight Midwestern states

If you do not need the extra perks and benefits, then a free checking account will suffice just fine for your daily transaction and banking needs. Free checking accounts will help you save money and keep more in your pocket.

Overall, we recommend an online bank as there are plentiful options for free accounts. This is possible as there are very little to no physical banks so their overhead costs are far lower than one with a physical branch(es).

With that being said, some accounts offer interest rates, so you can make a return on your money! The only con is that depositing cash is an issue; but depositing checks if very easy via mobile apps.

Compare the latest banking promotions from institutions like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!

*See free business checking accounts here.*

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The post Best Free Checking Accounts (No Monthly Fees) – November 2024 appeared first on Hustler Money Blog.

TD Bank is currently offering students a $100 bonus when opening a TD Complete Checking account.

Update 7/3/24: Students can currently earn a $100 bonus when opening a new TD Complete Checking account.

How to earn it:

• Open a TD Complete Checking account
• Make 15 qualifying debit card purchases within 60 days of opening account.
• Earn $100. Bonus will be paid on or before 180 days after account opening.

TD Bank $100 Student Checking Bonus

• Learn More at TD Bank
• What you’ll get: $100 bonus
• Account Type: Student Checking
• Availability: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, & VT 
• Direct Deposit Requirement: No
• Credit Inquiry: Soft Pull, which does not affect your credit
  
• Credit Card Funding: Up to $1000
• Monthly Fees: None if age 17 through 23
• Closing Account Fee: Bonus forfeit if closed within 6 months
• Household Limit: None

(Limited time offer)

How To Waive Monthly Fee

• TD Complete Checking: $15 monthly maintenance fee waived if:
  • Have $500 or more in direct deposits within a statement cycle; or
  • Maintain a minimum daily balance of $500; or
  • Have $5,000 minimum daily combined balance of all deposit accounts that you choose to link; or
  • When the Primary account holder is 17 through 23 years of age

Fine Print

• Offer available when opened through a qualifying website or in a TD Bank Store. You will not qualify for the Checking Bonus if you are an existing TD Bank personal checking Customer OR had a previous personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account bonus at any time. To receive the $100 checking bonus, you must: 1) Open a new TD Complete Checking account; AND 2) Complete a minimum of 15 TD Visa® Debit Card purchases within 60 calendar days of the account opening date.
• Your Visa® Debit purchases need to be transactions made using your TD Visa® Debit Card to buy goods and services and are net of returns and other adjustments. Net qualifying purchases are determined in the sole discretion of TD Bank and must be posted to your new checking account within 60 calendar days of account opening. Withdrawals made at the ATM do not qualify.
• After you have completed the requirements outlined above, we’ll deposit the bonus in your new account on or before 180 days of account opening. To receive the bonus, your account must not be closed or restricted at the time of payout. If your new checking account is closed by you or TD Bank within 6 months after account opening, TD Bank reserves the right to deduct the bonus amount at closing.
• Eligibility may be limited based on account ownership. The primary owner of the new personal checking account may be required to complete a valid IRS Form W-9 or substitute IRS Form W-9 to provide certain identifying information. You may be subject to backup withholding at the rate specified in the U.S. Internal Revenue Code if you fail to provide that information or meet certain other conditions. TD Bank may issue you an IRS Form 1099 or other appropriate forms reporting the value of the bonus.
• Offer may be withdrawn at any time. TD Bank Employees and Canadian Cross-border banking Customers are not eligible.

• Enjoy $100 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment. • $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old. • Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply. • Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere. • Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly. • JPMorgan Chase Bank, N.A. Member FDIC *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Apply Now at Chase

Bottom Line

A great alternative is the Chase College Checking account!

For bank bonus offers, see our list of the latest TD Bank promotions.

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The post TD Bank Student Checking Bonus: $100 Offer appeared first on Hustler Money Blog.

I want to give you the best options for your hub account in order to trigger bank bonuses, maintain high interest accounts, and speedy transfers so you can get your cash immediately. Let’s go over my recommendations for finding the best Hub account.

What’s A Hub Account?

A Hub Bank Account is simply a bank account that will make it easy to electronically transfer money into and out of your other accounts. Within your bank account, you can do an electronic funds transfer service that allows you to initiate bank-to-bank transfers(known as ACH transfer). Almost every bank has this ACH transfer capability, however it comes with many limitations.

Best Features Of A Good Hub Account

You want to pick a good Hub account with the best features in order to transfer your money. Whether you are looking for fast speed or high limit, a good Hub account should be completely free.

• Fast ACH Transfers – Most banks take at least 3 business days between the time you initiate the transfer and the time that the money is credited to the destination account. Most ideal transfer speed is 1 to 2 business days.
• Number of Links to External Account – In order to initiate transfers, you must set up a link to an external account. Usual number of links are restricted to only 3, therefore the higher the better.
• Transfer Limit Amount – The amount of money you can do ACH transfers is very important to those chasing interest rate, therefore I find this to be very important.

The above 3 features, in my opinion, are the most important when looking for a good Hub account. However, other features that may be important to you include easy link setup, no loss of interest during transfers, no hold times, linking to both checking and savings account.

Best Hub Bank Accounts

Customers Bank High Yield Savings 5.32% APY

Customers Bank powered by Raisin  has a very high interest earning 5.32% APY rate account with no monthly fees, no minimum balances, and $1 minimum deposit. You get 24/7 online access to funds. The Bank gives back to schools and organizations in their local communities.

• High dollar limitations for ACH transfers – When pushing money from Customers Bank to an external account, your daily limit is up to $200K per day.  When pulling money from an external account, there is no limit.
• 1 business day ACH transfers speed –  The standard transfer speed from Customers Bank to an external bank account is 1 business day. However, you can request a 1 day transfer when initiate an ACH transfer before 7:30 pm ET, Monday through Friday, and your funds will be available the next business day.
• Unlimited External Linked Accounts – You can add unlimited external linked accounts for ACH transfers. This is very helpful for those who are constantly moving money around for the highest interest rate.

(FDIC-Insured)

CIT Bank Savings Connect Account

• High dollar limitations for ACH transfers – When pushing money from CIT Bank to an external account, your daily limit can be as high as $250K per day.  When pulling money from an external account, your daily limit is $500K per day.
• 1 business day ACH transfers speed –  The standard transfer speed from CIT Bank to an external bank account is 1 business day. However, you can request a 1 day transfer when initiate an ACH transfer before 7:30 pm ET, Monday through Friday, and your funds will be available the next business day.
• Unlimited External Linked Accounts – You can add unlimited external linked accounts for ACH transfers. This is very helpful for those who are constantly moving money around for the highest interest rate.

Opening a CIT Bank Money Market is a soft pull and only $100 minimum.

(FDIC-Insured)

American Express Personal Savings Account

You earn a high interest rate within this account along with no minimum deposits or monthly fees. American Express® High Yield Savings Account has been my favorite Hub account for the last few years. Here’s why:

• No dollar limitations for ACH transfers – When you find a top bank rate account, you don’t want to be limited to just $5K or $10K transfers. Amex Savings will let you transfers as much as you want whether you are pulling or pushing money from and to an external bank account.
• 1 to 2 business days ACH transfers speed –  With top-notch user interface, you get your money to another external account or pull money from another bank account within a day or two.
• No loss of interest during transfers – On the day you initiate your transaction on the Personal Savings website, the funds will be reflected in your Current Balance and begin earning interest.

Some other features from American Express Personal Savings include Free Wire Transfers, 4 maximum linked accounts, etc.

With the American Express® High Yield Savings Account: • Earn 4.00% APY as of 10/24/24 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access Apply Now at American Express

SoFi Checking & Savings $325 Bonus + 4.60% APY

Set up direct deposit into a SoFi Checking and Savings account to earn $325 bonus and 4.60% APY on your money. Plus, pay no account or overdraft fees, get 2-day-early-paycheck, and more.

• What you’ll get: $325 Bonus + 4.60% APY
• Which account: SoFi Checking & Savings
• 1 business day ACH transfers speed –  The standard transfer speed from SoFi to an external bank account is 1 business day.
• Up to 5 External Linked Accounts – You can add 5 external linked accounts for ACH transfers.
• High dollar limitations for ACH transfers – When pushing money from SoFi Bank to an external account, your daily limit can be as high as $1 Million per day. When pulling money from an external account, your daily limit is $100K per day.

SoFi Checking & Savings

Bottom Line

I’ve personally been using Amex Savings , SoFi Checking and Savings, and CIT Bank for my main Hub accounts. Having a good Hub account can also be helpful in triggering direct deposit for bank bonus requirements. For those chasing high interest rate, then I recommend in getting either Amex Savings or CIT Bank to use it as your main Hub account.

Learn more about American Express High Yield Savings and the latest Amex credit card offers here.

See all SoFi Checking & Savings offers here and all other SoFi offers here.

Are you currently using a different Hub account? Let us know why and what features are most important to you?

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The post Best Banks as Hub Account for ACH Transfers for 2024 appeared first on Hustler Money Blog.

Chase First Banking was designed as an account for kids to help them learn the value of money. The program is powered in partnership with Greenlight, a popular debit card for kids. There are  many of the features in top children’s banking products, along with a few management options for  parents. Keep reading for everything you need to know about Chase First Banking?.

View the latest Chase Bank Promotions here.

Chase First Banking^SM

Open a new Chase First Banking account. It’s a debit card for kids ages 6-17 with no monthly service fee. Exclusively for Chase checking customers.

• Account Type: Chase First Banking^SM
• Availability: Nationwide, Online (Bank Locator)
• Credit Inquiry: Soft Pull, which does not affect your credit
• Opening Deposit: $0
• Direct Deposit Requirement: No
• Monthly Service Fee: None

Chase First Banking Features

Chase First Banking services are available in the existing Chase Mobile banking app. Once you open a First Banking? account, parents can control their children’s financial habits via the app. Examples of the platform’s features include assigning chores, paying allowances and setting spending limits. You can even restrict where your child spends, at specific merchants or merchant categories.

Kids are able to access their account through the Chase Mobile app, so they can decide which chores to complete, track their spending and see when they’re getting their allowance. Additionally, children with an account will receive their own debit card.

Other First Banking features include:

• No monthly fee: In comparison, Greenlight costs $4.99 a month.
• Savings goals: Kids can put money aside for specific goals.
• Notifications: Parents get real-time alerts when your child makes a purchase.
• Real-time requests: If your kid is out and short on cash, they can send you a request for more funds. Once approved, the funds will instantly transfer for free.

Chase First Banking Limitations

The biggest drawback for Chase First Banking? is that parents must first have one of the following Chase checking accounts:

There are two other eligibility requirements: The child must be at least six years old, and the adult and child must have the same residential address.

Chase First Banking? can only be managed by one parent, unless you’re willing to share your login information with your partner. The account has no check-writing capabilities and does not support digital wallets, direct deposits or check deposits at this time.

Bottom Line

Chase First Banking is designed for kids and powered by Greenlight. First Banking? gives families a way to manage chores, track allowances, set savings goals and more. This platform is simple to use and provides flexible control options to parents when it comes to managing their child’s finances. It should be noted that the parent must have an existing Chase checking account in order to get stated.

So if you’re interested in banking with Chase, see what they have to offer through Chase Bank Promotions! And while you’re here on HMB, check our full list of Best Bank Promotions for more options!

Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain.

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The post Chase First Banking^SM – A Debit Card For Teens & Kids With Digital Tools appeared first on Hustler Money Blog.

Here you can find out how to meet the Direct Deposit Requirements to earn bonuses and promotions from new bank accounts.

While there are banks promotions that do not require direct deposit, larger bonuses often require direct deposit.

Banks and Credit Unions use cash bonuses to lure in customers in hopes of keeping them long term. By requiring a direct deposit, which is defined as an “electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government“, they hope to keep you locked in.

While it is very simple to meet this requirement by switching an existing direct deposit to the new account, some people do not have the luxury of receiving direct deposit or government benefits.

Thus we compiled a list of alternatives to meet Direct Deposit Requirements.

When you are able to meet the Direct Deposit Requirements, you are on your way to earn bonuses, waive monthly service fees, and earn higher rates.

What Trigger A Direct Deposit For Bank Bonuses

*It is important to know that your experience may end up entirely differently than someone else. In fact, one singular method is NOT guaranteed to work for everyone. Thus we ask that you leave a comment below letting us know about your experience.

• ACH Transfers: Most if not all bank accounts have Automated Clearing House (ACH) Transfers which is a free way to transfer money between financial institutions. You’ll find this method to be the most popular, usually within 2 business days, to do an ACH transfers to meet direct deposit requirement.
• Capital One 360 Online Checking: This Online Checking account allows you to make ACH Transfers and Person2Person payments (a way to send money to anyone using your email – much like Chase Quickpay). This is also a very popular alternative because you are able to manage your money from anywhere and you avoid traditional hassles such as monthly service fees. Furthermore, you can earn up to $1,000 a year referring new members.
• Paypal: You will find limited success with this method but you simply link your new bank account to your Paypal and transfer the balance requirement from Paypal to the account.

Tips Before You Get Started:

• Because there is no guarantee that no single method will work for you, we recommend trying a combination of the options above.
• If you plan on applying for several promotions, it is best to have all the options set up first.
• There are is no risk for additional fees because you are transferring your own money across multiple banks.

Based on the reported experiences of the many consumers online from sites such as FicoForums, Slickdeals, CreditBoards, Flyertalk, etc, we’ll put together the most extensive list of Banks (alphabetically) on alternative method of direct deposit to trigger a bank bonus.

*However, this information is constantly changing, and there is no guarantee these other methods to meet Direct Deposit Requirements will work.

What Banks Count As Direct Deposits

Disclaimer: We make no promise the information below is 100% correct since banks can change what count as direct deposit often.

If a bank/financial institution’s name is listed, that means using ACH through them was reported as successful.

You should always do a push transfer and not a pull transfer in order to qualify bank bonuses.

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The post What Banks Count As Direct Deposits 2023 appeared first on Hustler Money Blog.

Your checkbook probably hasn’t seen the light of day as it once did, but that doesn’t mean checks have entirely gone out of style. Even though online payments have become more popular over the last couple of years, some people still haven’t shifted over to that method of payment. Also, some businesses even accept checks as a form of payment, so it’s always a good idea to keep checks on hand.

If you find yourself running low on checks, ordering more is quite a simple process. What’s even better is that banks, like PNC Bank, still offer standard checks for free to some or all of their account holders. Continue reading to learn how to order checks from PNC Bank.

How Do I Order Checks From PNC Bank?

PNC Bank allows their account holders to order checks online or in person. To order checks online, you must log in to your account, know your PNC Bank routing number and account number on you.

You will be able to find your routing and account numbers on your online statements and SmartAccess Card, available through online banking. Non-Virtual Wallet account holders can select “Show Account & Routing Number” under the Account menu in online banking.

Here’s what to do once you’ve located your routing and account numbers:

1. Log in to online banking.
2. Select the “Customer Service” tab.
3. Under “Manage Accounts,” select “Order Checks & Supplies.”
4. Find the account you want checks for.
5. Under the “Order” column next to that account, select the “Checks/Supplies” link

An alternative option of ordering checks would be to go to PNC Bank in person and place an order for checks.

How Much Does It Cost To Order Checks?

The cost of ordering your checks will depend on the type of check, the quantity and the vendor. Even if you’re a PNC Bank customer, you are not required to order your checks from the bank.

How Much Does It Cost To Order Checks From PNC Bank?

PNC Bank uses Harland Clarke as their for checks and other accessories. Prices generally start at $19.56 for a pack of 80 safety blue checks. The cost is $39.12 for a pack of 160 checks, $58.68 for a pack of 240 checks, and $78.24 for a pack of 320 checks. Shipping takes about two weeks.

Alternative Ways To Order Checks

If you want to order checks from a seller beside PNC Bank, all you need is your PNC Bank routing number, the bank’s address and phone number, and your checking account number on hand.

Here are other ways to order checks:

• Bradford Exchange Checks: This place is a discount retailer that offers check orders for up to 70% off bank prices. Additionally, standard blue safety checks come in boxes of 120.
• Costco: Costco members can order checks at a discount via Harland Clarke and get free standard delivery. For Costco Executive members, you’ll pay $31.18 for four packages of 100 checks each, for a total of 400 checks. For Costco Gold Star/Business members, the cost is $38.98 for the same package.
• Walmart: Walmart offers a smaller quantity of Classic Grey checks if you don’t need 250. The store offers a pack of 150 checks for $7.46.
• Vistaprint: If you just need a few checks on hand, you can order 25 wallet checks for $4 from Vistaprint. You also have the option to purchase in packs of 150 ($15 for one pack, $24 for two, $34 for 3, $45 for 4.

Bottom Line

Keep in mind that PNC Bank’s online check ordering and Automatic Check Reordering are only available to online banking customers. Check out PNC Bank’s website to enroll now!

With our guide above, we’ve detailed the ways you can go about order your checks from PNC Bank and how much it will cost depending on what options you choose to go along with it. For more posts like this, check out our list of bank guides!

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Many of my readers have been opening multiple bank promotions over the years to take advantage of the higher interest rates or sign-up bonuses. Whenever opening a bank checking or savings account, you can get either get a hard pull or a soft pull depending on the bank.

It’s important to find out if the bank will perform a hard credit check since a hard inquiry can negatively affect your credit score and may not be worth opening the checking or savings account. Too many hard inquiries on one’s credit report can be resulted in higher loan or insurance rates.

Based on the reported experiences of the many consumers online from sites such as FicoForums, Slickdeals, CreditBoards, Flyertalk, etc, we’ll put together the most extensive list of Banks(alphabetically) on the type of inquiry they will perform whenever opening a checking or savings account.

Read more in-depth explanation for each bank bonus such as direct deposit(full list of what count), account type, expiration date, hard or soft pull, credit card funding, geographical restrictions, additional bonus requirements, and early closure fee.

What Is A Hard Inquiry (Hard Pull)?

• • These inquiries DO affect your credit score.
  • A hard pull is an inquiry that occurs when a lender checks your credit report to make a lending decision.
  • Hard pulls can slightly lower your credit score and will typically stay on your report for two years.

What Is A Soft Inquiry (Soft Pull)?

• • These inquiries DO NOT affect your credit score.
  • A soft pull is an inquiry that occurs when a person or company checks your credit report as a background check.
  • It’s like when you check your credit score or when you get approved for a loan from a mortgage lender.
  • Soft pulls may occur without your permission but does not affect your credit score in any way.

Important: Please help us update our list with your own personal experience by commenting below. If you recently open a bank account, you can check your credit report to see if there is a hard pull or soft pull and from what credit reporting agency such as Equifax, Experian, or TransUnion.

Top Bank Accounts Soft Pull or Hard Pull

Disclaimer: We make no promise the information below is 100% correct since banks can change their way of checking credit often. This data has been extracted from the experiences of other consumers online from trusted forums and websites when opening accounts for bank promotions.

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The post Bank Account Checking & Savings Soft Pull or Hard Pull – 2022 Edition appeared first on Hustler Money Blog.