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01-26-2021, 12:43 AM
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#61
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,197
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Quote:
Originally Posted by audreyh1
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/
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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.
__________________
TGIM
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01-26-2021, 07:39 AM
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#62
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by Dtail
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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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.
__________________
Retired since summer 1999.
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02-01-2021, 08:25 AM
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#63
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Quote:
Originally Posted by audreyh1
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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There is also a 10 day grace period starting on the maturity date if you need to make changes
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-01-2021, 09:12 PM
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#65
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
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For 3 months...
Quote:
... 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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__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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02-03-2021, 12:41 PM
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#66
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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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
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-03-2021, 01:29 PM
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#67
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,925
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Quote:
Originally Posted by jazz4cash
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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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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02-03-2021, 02:25 PM
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#68
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Quote:
Originally Posted by njhowie
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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According to the fine print you should be eligible if it’s been more than 12 months. I just tied up my disposable cash in the Marcus promo and don’t really wanna jump thru hoops or start up with a new bank.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-03-2021, 02:50 PM
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#69
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Thinks s/he gets paid by the post
Join Date: Mar 2012
Posts: 3,925
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Quote:
Originally Posted by jazz4cash
According to the fine print you should be eligible if it’s been more than 12 months. I just tied up my disposable cash in the Marcus promo and don’t really wanna jump thru hoops or start up with a new bank.
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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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02-03-2021, 04:03 PM
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#70
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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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.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-03-2021, 05:45 PM
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#71
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,197
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Quote:
Originally Posted by audreyh1
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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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.
__________________
TGIM
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02-03-2021, 06:03 PM
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#72
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by Dtail
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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Yes! I discovered this on Jan 1 and was quite delighted that my taxable income for the year was lower than expected!
__________________
Retired since summer 1999.
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02-03-2021, 06:48 PM
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#73
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,659
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Had some Navy Federal cd’s 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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02-03-2021, 10:46 PM
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#74
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Recycles dryer sheets
Join Date: May 2015
Posts: 85
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Quote:
Originally Posted by RetireAge50
Had some Navy Federal cd’s 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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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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02-04-2021, 05:36 AM
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#75
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,659
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Quote:
Originally Posted by BergLust
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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It doesn’t have the fanciest web page or app (and everything is pink[emoji254]). The rate has remained 1% so may not adjust upward if rates move in the future.
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02-04-2021, 08:48 AM
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#76
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 17,134
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Quote:
Originally Posted by BergLust
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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Here's anther plus:
Quote:
No account fees and over 55K no-fee ATMs.
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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.
__________________
Comparison is the thief of joy
The worst decisions are usually made in times of anger and impatience.
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02-05-2021, 02:19 PM
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#77
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Is there a bonus at T-Mobile?
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-07-2021, 11:43 AM
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#78
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Recycles dryer sheets
Join Date: May 2015
Posts: 85
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Quote:
Originally Posted by jazz4cash
Is there a bonus at T-Mobile?
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Do not think so.
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02-07-2021, 11:45 AM
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#79
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Recycles dryer sheets
Join Date: May 2015
Posts: 85
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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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02-07-2021, 11:46 AM
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#80
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Full time employment: Posting here.
Join Date: Sep 2007
Location: mpls, mn
Posts: 761
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the only "bonus" is the 4% interest on the first $3k.
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