Friday, July 26, 2013

Checking Account Plans: Identifying High Interest Checking Accounts Laid Open

By Craig Baker


A lot of enticing business checking account plans are out in the open, attracting bank patrons relentlessly, giving in hopes for these clients to get the privilege of owning a business checking account plan.

To qualify of course, you need to meet their (demanding) expectations in being an ideal customer - which means, that you'll need to show them your goodwill by being regular enough with certain kinds of profitable banking transactions. Regularly using their online service of paying bills like your debit card and the like is a good example.

In a survey published by Bankrate, they have found that there are about 50 banks around the country that offer high interest checking account plans to customers; and on one of these plans, the high interest rate you get for your efforts can be as great as 6%, although on average it is usually half that.

So what happens when you qualify and continue to do so for months - until one month, you don't make enough of those qualifying transactions with the bank. Your bank then traces up your interest rate, cuts it down back to regular rates which falls beyond half its percentage point.

Unnoticeably, interest rate of 3 - 6% are still included in the bank's strategy to lure their clients not to put an end on their savings and stocks and dumping it all up to their high interest accounts of business checks. Typically, banks discourage big personal investments for account types such as these checking accounts.

In order to protect your investments against the high interest business checking account plan, you must bear in mind that holding on to an amount in excess of the banks ceiling (commonly under $30,000) could just drop down to a failing interest rate. With some banks, that ceiling can come down to $1000, if you want to earn their highest interest rate.

It easy to contact credit unions and banks. However, if locating banks with high interest rates is your aim, it might be quite difficult of you to locate one within your area, you just have to look around and do some searching. The rules concerning the number of business checking account transactions per month sum up most of the complaints from client. If you want to get huge discounts, buying payroll checks, blank checks and softwares, online is a definite answer. Top quality computer checks and even laser check stock is all available for the lowest cost online. Also a great place to order computer checks is at PayrollChecksStore.com

This particular checking account rule is especially easy to beat - by just using your debit card in purchasing lunch or paying out your groceries. What else is to grumble about when you're rewarded a 6% interest rate.




About the Author:



No comments:

Post a Comment