$100 Cash Back Bonus with Bank of America VISA Signature Card

Who wants an extra $100? We know we all do. And now getting extra cash into your pocket is made easy with Bank of America’s Visa Signature Card. Not only can you enjoy premium features on a card from a reliable bank, but you can also get cash back rewards that are sure to get you excited.

Bank of America is considered to be one of the largest institutions in the world. With operations in almost 40 countries, they are indeed one of the finest banks providing quality financial services to the people. The different services they have ranges from corporate banking, investment, to personal banking. For those who need convenience, security and extra perks on their banking needs, then Bank of America would surely be a good choice.

Right now Bank of America is offering a whopping $100 cash back with their VISA signature card. Those who are interested should make a minimum purchases worth $500 within the first 90 days of opening the credit card account. The owners of the card can also earn 1% of cash back on every kind of purchase, 3% on gas, and 2% on any groceries.  And a big $10 bonus when the account owner will redeem the cash backs into savings account or checking. This is considerably beneficial for those who also own other accounts in Bank of America.

To those who want this kind of credit card, why not apply for it now while a promotion is going on? Credit cards from BOA are certainly worth your time and money.

Bank of America: Featuring the Standard Term of Certificate of Deposits

Do you want to save enough money and let it earn the right interest? Well, its likely the answer is yes. Who would not want to just set aside their money to find it increase in value without lifting a finger? For those who really want to save the right way then what they can do is open a certificate of deposit account. Almost all banks offer this kind of service because it’s useful to customerig who are looking for a safe place to invest their cash. They would want to be assured that what they put and save in the bank is secured and safe at the same time. To those who want the best bank then they can instantly choose Bank of America.

Bank of America is known all over the world because it is a stable bank backed by huge assets. People nationwide trust this bank fully since they can find the different financial services that they need. Some of the services and products they offer is not just about certificate of deposits but also includes loans, mortgages, credit cards, personal and company investments, insurances, rent, and many more. You name it, they definitely got it.

Features and Terms

For their certificate of deposit, the minimum amoutheta open is $1,000. The terms are customizable which means that the account holders will be able to choose different periods from 28 days which is the shortest to as long as ten years. In terms of rates, the interest rate for the 28-89 days is 0.25% with the same percentage of APY. For the 90- 179 days certificate of deposit, the interest rate and APY or annual percentage yield is 0.28%. On the other hand, an interest rate and APY of 0.30% is for the 6-11 months term while 0.35% is the APY and interest rate for the 12-17 months period. And the last is the 24-35 months term with an APY of 0.40% and an interest rate of 0.40%.

A Quick Glance of Bank of America’s Home Mortgage Rates and Terms

Bank of America is one of the biggest and most trusted banks in the nation making it a sought after establishment for those who are looking for security and stability. Big establishments also have the luxury of offering competitive rates which is highly important especially when it comes to mortgage rates and loans.

There are many families out there that are in need of the right rates in order for them to purchase or refinance the homes they want to acquire. With bank of America, they can do just that.

To those who want to purchase a home, they can have the best mortgage rates at Bank of America. As of today with a loan of $300,000, Bank of America offers the best deals. For those who will be choosing this amount with a 30 year fixed rate, their monthly payment is $1,347.13 with a rate of 3.5000% and an APR or annual percentage rate of 3.633%. The monthly payment for the 15 year fixed rate on the other hand is $2,053.76 with rate of 2.875% and an APR of 3.130%. The other terms like the 7/1 ARM or the adjustable rate mortgage, the monthly payment is $1,224.72 with an APR of 3.140% and a rate of 2.750%. And lastly is the 5/1 ARM with an APR of 3.077% and a rate of 2.375%. The monthly payment for this term is only $1,165.96. With all these terms and rates, people who wish to buy a home will definitely be able to do it because of these offerings by Bank of America.

eBanking Checking Account Promotion For Students at Bank of America

Aside from credit cards, students today now make use of checking accounts as well. For parents who are looking for great deals on checking accounts for their kids who are in college, it may be advantageous to take a look at what Bank of America has to offer.

eBanking Checking Account Features

The eBanking Checking Account Promotion is indeed the best for students. Why is this so? It is because there will be no maintenance fee when they select paperless online statements and when they will withdraw and make deposits by ATM or online. This makes it very accessible and easy for students since they are always online and using their computers. For those who don’t wish to avail of paperless billing, then students will have to pay $8.95 per month. There is also no minimum balance that is required which is again advantageous for students especially those who are running on a tight budget. The regular savings account is also optional in eBanking and this can be used anywhere because there are so many Bank of America ATMS available. And the last promotion and feature being offered by this is that the owners or the account holders can have up to 20% cash back every time they will use their debit cards. This is by far one of the biggest cash back offerings given by any banking institution. The bigger the cash back, the more money the student can save.

If you are interested in getting this kind of eBanking checking account promotion then you should go online now and visit Bank of America’s site to know more about the promotion.

Power Rewards Visa Card is Bank of America’s Most Versatile Offer in Rewards

Rewards from credit offers come in many forms, but what reigns superior these days is a card that allows its customers to personalize the bonus they will be getting. Bank of America certainly knows the market in these type of cards, and this is why they have come up with the Power Rewards Visa Credit.

More Options, More Choices

The features of the Power Rewards card are essentially similar to other rewards card. For every daily spending, you get designated points. Whether you spend money on gas, groceries, home repairs, cellphones, or food establishments, you’re sure to have points added in your name. The incentives range according to your purchases. Groceries earn you 2% of the value of each cash back bonus, while gas gives you 3%. All other purchases give only 1%.

Once you’ve accumulated enough points, you can use them to redeem rewards of your choice. Shopaholics can use the points to browse through the Power Rewards mall. For the generous-at-heart, purchasing gift cards can be another option. And of course, back-packers and business travelers will be delighted to know that they can avail airfare and hotel privileges just by accumulating enough points. If you’re getting a little short on cash, then changing your points into money can be done. You can either choose to withdraw the amount for any immediate need, or it can be automatically transferred to your account.

Rates and Charges

The Power Rewards card offers a zero introductory rate for the first use. After this period, the APR for purchases will be decided base don your credit worthiness. This can range from 12.99% up to 20.99%. The value on the market Prime rate will also be considered.

As a bonus, the cardholder will also get to enjoy zero APR for balance transfers in the first year, after which the credit will be evaluated for the fixed APR every year thereafter. Cash advances have an APR of 20.99% for every direct deposit as well as check cash advances. On the other hand, an APR of 24.99% is fixed upon Bank cash advances.

Paying the monthly dues must be done within 25 days from receiving the bank statement. Like most cards in the rewards category, it offers zero-liability on unauthorized transactions.

With its fair rates and a wide range of rewards options to choose from, the Power Rewards Visa card is the perfect way of getting the most out of any credit card.

Take Advantage of Bank of America’s $50 Checking Account Bonus

The year is almost at and end, and banking promotions abound this holiday season. One of these is from Bank of America where they promise to give you an extra $50 for opening a checking account with them.

The Promotion:

What you need to do is simple, first you go to their website and fill in the online application using the offer code GROUP50. Then make sure you set up a qualifying direct deposit within 60 days after you open the account. Bank of America will deposit your $50 bonus directly within 120 days. It’s that simple.

Bank of America Checking Benefits:

1. Gives you all the benefits of online banking as you bank from your own home, paying bills, depositing or withdrawing without having to go to the bank, going through traffic and waiting for your number to be called.

2.You get an optional Bank of America Debit Card .You also have access to over 18,000 ATMs from where you live to anywhere in the world.

3.You can add to your savings with Bank of America’s unique “Keep the Change” feature. Your purchases are rounded up to the next dollar amount so the difference is transferred to your savings account. Talk about added interest.

Some Fine Print

1. Only one incentive per customer is allowed.

2. You must not have a current personal checking account with Bank of America. (however, if you have other accounts with the Bank, they must be in good standing)

3. You have not been a signatory on a Bank of America checking account that had been closed within the past 3 months.

4. Keep your new checking account open until Bank of America is able to verify its eligibility.(Usually, this does not exceed 120 days).

5. This offer cannot be combined or made eligible with other offers.

6. Minimum deposit required to your new account is subject to normal opening deposit requirements for the kind of checking account chosen.

About Bank of America

Bank of America is the fifth largest company in the US in terms of total revenue.It is also second to Walmart among the non petrol companies in America. It also ranks second largest bank holding company in the US in terms of assets. Forbes listed the Bank as the third biggest company worldwide. As of August 2009 it held 12.2% of all bank deposits in the US. The Bank has bragging rights to 6,000 locations across the USA plus another 300 offices abroad.

Get An Extra $50 with Bank of America Accelerated Rewards American Express Card

Now that the holidays are nearing, we all know what that means financially: extra out of pocket expenses. We are all trying to find ways to save on Christmas shopping, but have we ever thought of earning more for the holidays? There are certainly a lot of ways to get more cash and some of them are more effortless than others. Take for example earning an extra $50 just by signing up to a credit card.

The Promotion

That’s right, Bank of America’s Accelerated Rewards American Express Card is offering an extra $50 statement credit after at least $100 in retail purchases within the first 60 days of account opening. Below are some other perks included with the card:

* Earn 1.25 points for every $1 of net retail purchases
* Introductory 0% APR for the first 12 months of account opening only for purchases and balance transfers. After the introductory period, any remaining balance will be subjected to the variable APR between 12.99% and 20.99% based on creditworthiness.
* No Annual Fee

Some Fine Print

The fine print and details found below the promotional page is much like the usual. There are some fees that apply such as late penalty fees and returned payment fees. Also, although there is no annual fee, there is a monthly fee which is 85 cents for every $100 of Plan Balance, up to $25,000.

About Bank of America

Bank of America is one of the strongest banks that is operating today. It has had over 200 years of experience, and it continues to grow in terms of locations, branches, and deposits. It is one of the oldest banks in America, having started in 1784, before the United States Constitution was adopted. Today, it still stands as one of the giants in the banking industry. Bank of America is FDIC insured, keeping your money secure to a maximum of $250,000.

An extra $50 may not be the highest reward for signing up for a credit card, but getting a bonus is always a plus. Considering the largeness of the issuing institution, it shouldn’t be surprising that the card will be accepted anywhere.

Banks To Begin a Barrage of Debit Card Fees

Bank of America, the country’s biggest consumer bank by deposits, recently went public with their decision to begin issuing new fees to customers who pull out their debit card when making purchases. The $5 monthly fees will begin being issued January 1, 2012.

As Bank of America spokeswoman Anne Pace stated to Bloomberg News, “the economics of offering a debit card have changed with recent regulations, and we’ve decided to introduce a monthly fee for customers who use their debit cards for purchases.”

This announcement has caused much outrage among consumers and politicians alike, especially in light of the fact the Bank of America received a federal bailout to the tune of $45 billion, as reported by foxnews.com.

The “recent regulations” referenced by Pace are the “swipe” fee caps that went into place on October 1, restricting the amount banks can charge merchants per debit card transaction.

“It seems that old habits die hard for Bank of America. After years of raking in excess profits off an unfair and anti-competitive interchange system, Bank of America is trying to find new ways to pad their profits by sticking it to its customers,” said Senator Dick Durbin, D-Ill, in a statement, according to foxnews.com. Durbin, after whom the “recent regulations” are named (i.e. the Durbin Amendment), also stated “It’s overt, unfair and I hope their customers have the final say,” in regards to BOA’s new fee.

Bank of America is not the only bank levying new fees upon customers in an attempt to recoup revenue losses as a result of the Durbin Amendment.

The Huffington Post revealed that Wells Fargo, who has been field testing a monthly debit card fee in select places throughout the country over the past several weeks, has decided to burden their customers who use a debit card for purchases with a similar fee, $3 a month starting this fall. Chase, who also field tested monthly debit card fees, decided against implementing one for the time being. Smaller lending institutions like SunTrust and Regions Financial have both chosen to impose debit card usage fees upon their customers. People using their debit cards at the ATM will not be charged the monthly fee, it is only enacted when their debit card is used to make a purchase.

Amidst all of these changes, now is an opportune time for fee-conscious consumers to apply for a credit card to use for purchases in lieu of a debit card. If used responsibly and the balance is paid off in full at the end of each billing cycle, a credit card won’t incur a monthly usage fee.

Citibank, who announced that they will not be charging their customers a monthly fee for making debit card purchases, is instead restructuring their fee structures for checking accounts along with raising minimum balance requirements.

Bank of America Plans To Charge Fees For Debit Card Use

It seems like the time of freely swiping your debit card is almost over. Bank of America Corp., one of the largest banks throughout the United States is planning to place a monthly fee on anyone who makes use of their debit card. They say that they need to do it in order to recoup the revenue it will lose because of the government regulations that will cap the amount they can charge for debit-card transactions.

Banks are estimated to lose about $6.6 billion in revenue due to federal limits on “swipe fees”. To offset this loss, banks have either withheld on debit rewards, added monthly fees on checking accounts, and raised the minimum balance requirement to avoid fees. Now, banks have come up with another solution to regain their losses.

Bank of America plans to charge $5 for every month of debit card usage. Other large banks such as JP Morgan Chase & Co. and Wells Fargo & Co. have been testing similar fees in some states. JP Morgan begun testing in a small market in Wisconsin since February while Sun Trust Banks have begun charging a $5 monthly fee for unlimited usage of their debit card since June.

While big banks seem to be following suit with Bank of America’s decision, the reaction of their customers haven’t yet been taken into account. Allison Miller, Bank of America customer in New Jersey said that she is most likely to switch banks because of the new fee. This reaction is expected in many of their consumers since no one likes to have extra fees being charged to them monthly. The question is, whether or not these customers will take the time and effort in switching banks.

The $5 fee that Bank of America plans to charge is higher than what other banks are willing to charge their customers. Other banks who have decided to follow on BofA’s decision are charging $3, or at most $4. It remains to be seen what consumers will say with regards to all this, but it is expected that they will be unhappy.

One of A Kind Savings Promotion from Bank of America

Bank of America offers a truly one of a kind savings, checking and debit card promotion. In order to avail of this, the depositor must have a savings account, checking account, and a check debit card. So here’s how it works, the program is called “Keep the Change”, and rightly so. Because for every purchase made with the debit card, Bank of America rounds the purchase off to the nearest dollar and transfers the rest automatically from your checking account to your savings account. In a way, it’s as if you’ve got automatic savings.

For example, let’s say you bough a pair of shoes at $25.01. The charge that goes to your debit card will automatically be $26, and the 99 cents that wasn’t part of the original price will be directed to your savings account. Another big plus aside from automatic savings is that during the first three months, Bank of America will match whatever amount you “saved”. So by the end of the year, Bank of America will give you another 99 cents, up to a maximum of $250.

Some people have found some creative ways to build up their “savings”, such as filling up their gas tanks to only $2.01 at a time, buying stamps at an automated machine, or buying small purchases in a grocery one at a time instead of by bulk. Whatever your strategy may be, it’s time to get creative just to get to that $250.

Some limitations are that ATM purchases are not considered to be a part of the promotion. Only five checking accounts per depositor is allowed, or five checking accounts per household, whichever is lower. Eligible savings account includes the Regular Savings Account with a minimum opening balance of $25. And also, the Keep the Change promotion may be modified or canceled at any time, without prior notice. Some fees may reduce earnings.

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