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Old 01-26-2021, 01:43 AM   #61
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The Ally 15 month "Select" promotional CD offer has been extended to 5/04/21 and is currently still offered at 0.65%.

If you rollover a maturing Ally CD you get an additional 0.05% interest rate bonus added.
https://www.ally.com/go/bank/15m-select-cd/
This offer automatically renews into a 12 month CD, so one would need to actively manage this aspect if not wishing to do so.
Easy to do, but just need to be aware of.
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Old 01-26-2021, 08:39 AM   #62
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This offer automatically renews into a 12 month CD, so one would need to actively manage this aspect if not wishing to do so.
Easy to do, but just need to be aware of.
Very easy to do. You might have to wait until within 12 months of maturing, but then you can change renew options online to move funds to savings or whatever.

60 day interest early withdrawal penalty too, which is about as good as it gets for a penalty.
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Old 02-01-2021, 09:25 AM   #63
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Very easy to do. You might have to wait until within 12 months of maturing, but then you can change renew options online to move funds to savings or whatever.

60 day interest early withdrawal penalty too, which is about as good as it gets for a penalty.
There is also a 10 day grace period starting on the maturity date if you need to make changes
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Old 02-01-2021, 09:34 PM   #64
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Marcus Bank Goldman Sachs has 0.70% APY bonus savings available:
https://www.marcus.com/us/en/savings...e=TIM-N2W-U53P
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Old 02-01-2021, 10:12 PM   #65
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For 3 months...
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... Simply open an Online Savings Account as a new customer by clicking below, and for 3 months, you could earn an Annual Percentage Yield (APY) that's 0.20% higher than the stated APY available at marcus.com.
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Old 02-03-2021, 01:41 PM   #66
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I received a flyer in the mail but cannot find any details online......

M&T Bank MyChoice Premium Checking Bonus offer
Open new account by 2/26 with promo code CA
Maintain average monthly balance of $10k for March and April
Bonus of $350 will be credited by 5/31.

$50 close out fee if account is closed within 180 days. Offer not available in all regions
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Old 02-03-2021, 02:29 PM   #67
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I received a flyer in the mail but cannot find any details online......

M&T Bank MyChoice Premium Checking Bonus offer
Open new account by 2/26 with promo code CA
Maintain average monthly balance of $10k for March and April
Bonus of $350 will be credited by 5/31.

$50 close out fee if account is closed within 180 days. Offer not available in all regions
I did this deal a couple years ago. Had to go in to the local branch to do it. The account was set up very quickly - in and out in 20 minutes. Bonus was credited when indicated. Closed account after the 180 days past. Once you pass the window for the bonus, you can lower the balance to the minimum to avoid fees.
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Old 02-03-2021, 03:25 PM   #68
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I did this deal a couple years ago. Had to go in to the local branch to do it. The account was set up very quickly - in and out in 20 minutes. Bonus was credited when indicated. Closed account after the 180 days past. Once you pass the window for the bonus, you can lower the balance to the minimum to avoid fees.


According to the fine print you should be eligible if itís been more than 12 months. I just tied up my disposable cash in the Marcus promo and donít really wanna jump thru hoops or start up with a new bank.
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Old 02-03-2021, 03:50 PM   #69
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According to the fine print you should be eligible if itís been more than 12 months. I just tied up my disposable cash in the Marcus promo and donít really wanna jump thru hoops or start up with a new bank.
Thanks - will look into it...but we've also loaded up on other promos already so not much free cash floating around here either. Have one with Marcus, two with Citi, and two with Chase.
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Old 02-03-2021, 05:03 PM   #70
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M&T Bank has another promo that is $250 for opening a new account with "qualifying" direct deposits of $500 within 90 days. That might actually be better if you can pass the qualifying direct deposit test, I can't.
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Old 02-03-2021, 06:45 PM   #71
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Very easy to do. You might have to wait until within 12 months of maturing, but then you can change renew options online to move funds to savings or whatever.

60 day interest early withdrawal penalty too, which is about as good as it gets for a penalty.
On a semi related matter, I didn't know until today that interest on a no penalty 11 month Ally CD is not credited at year end for tax purposes, but only at maturity and thus taxed in that associated year.
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Old 02-03-2021, 07:03 PM   #72
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On a semi related matter, I didn't know until today that interest on a no penalty 11 month Ally CD is not credited at year end for tax purposes, but only at maturity and thus taxed in that associated year.
Yes! I discovered this on Jan 1 and was quite delighted that my taxable income for the year was lower than expected!
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Old 02-03-2021, 07:48 PM   #73
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Had some Navy Federal cdís mature today. Moved it over to T-mobile savings 1% until I can find something better. This is available to everyone even if you do not use T-Mobile and is FDIC insured.
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Old 02-03-2021, 11:46 PM   #74
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Had some Navy Federal cdís mature today. Moved it over to T-mobile savings 1% until I can find something better. This is available to everyone even if you do not use T-Mobile and is FDIC insured.


Any downside to this T-Mobile checking at 1%. Right now I have some money in Ally at 0.5%. Obviously 1% sounds better. :-)
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Old 02-04-2021, 06:36 AM   #75
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Any downside to this T-Mobile checking at 1%. Right now I have some money in Ally at 0.5%. Obviously 1% sounds better. :-)

It doesnít have the fanciest web page or app (and everything is pink). The rate has remained 1% so may not adjust upward if rates move in the future.
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Old 02-04-2021, 09:48 AM   #76
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Any downside to this T-Mobile checking at 1%. Right now I have some money in Ally at 0.5%. Obviously 1% sounds better. :-)
Here's anther plus:

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No account fees and over 55K no-fee ATMs.
It's an interesting time when one looks at the one-time bonus payment and the no-fee ATM and thinks that is where the big money is made with deposits these days.

Does anybody know which credit monitoring service they use? That would need to be thawed.
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Old 02-05-2021, 03:19 PM   #77
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Is there a bonus at T-Mobile?
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Old 02-07-2021, 12:43 PM   #78
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Is there a bonus at T-Mobile?
Do not think so.
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Old 02-07-2021, 12:45 PM   #79
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https://www.doctorofcredit.com/new-b...eck-hmbradley/

Hi all: What do you think about this one? FDIC insured. soft pull. Good interest rate potential (3%). 1% at the onset and as long as you can manage a real direct deposits and don't have a lot of money moving out, it seems good.
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Old 02-07-2021, 12:46 PM   #80
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the only "bonus" is the 4% interest on the first $3k.
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