People’s United Bank offers a wide array of financial services as a subsidiary of the People’s United Financial Inc. which has around $28 billion in assets.

People’s United Bank was established in 1842. It is the biggest bank that is based in New England which provides wealth management, commercial banking, and retail banking. The bank has around 375 branches spread in the state of Maine, New Hampshire, New York, Vermont, Massachusetts, and Connecticut. It also provides insurance services, brokerage, and equipment financing through the bank’s subsidiaries.

History

People’s United Bank has been providing financial services to businesses and individuals since it was founded in 1842. Today it is considered as the biggest independent bank with headquarters in New England. It has around $28 billion in assets with around 375 branches spread across different states.

The bank went public in 1988 after being organized as a mutual holding firm. The split-adjusted per share price during its IPO was pegged at $1.20. By 2006, the bank became a federally chartered savings bank and mutual holding firm which led to more flexibility that was crucial to establish more branches and grow their business in different states in the US.

In 2007, the parent company of the bank was converted to a stock company that is fully owned by public stakeholders from being a mutual holding firm. With this move, a community foundation of $60 million was established. The bank also changed its official name to Peoples United Bank during that same year.

Current Status

People’s United Bank has a total asset amounting to $26.89 billion as of the third quarter of 2011. Its total deposits of around $20.51 billion. It was able to keep its assets growing in the past two years with 2009 Q3 pegged at $1.76 billion, 2010 Q3 at $20.41 billion, and 2011 Q3 at $26.88 billion.

The biggest chunk of its assets is made up of net loans and leases at around $20 billion making up 74.54% of the pie. Other significant slice of their assets come from securities, cash and balances due, goodwill and other intangibles, and other asssets.

Looking at its Tier 1 Leverage Ratio of 11.83, it places People’s United Bank in the Top 20 Banks compared to its closest asset peers nationwide.

As per the quality of its assets, People’s United Bank has a Texas Ratio of 21.43 based on the $65.88 million adjusted non performing assets and its $3.055 billion tangible equity plus loan loss reserve. This places the bank on 54th spot compared to its nearest 99 asset peers based on their Texas Ratio.

The bank has around 375 branches plus over 500 ATMs. It also offers 7-day in person banking thru Stop and Shop branches in the state of Connecticut.

The bank has under its wings its subsidiaries specifically People’s United Insurance Agency which offers insurance services; People’s Securities which provide brokerage, advisory, and life insurance services; People’s United Equipment Finance Corporation; and People’s Capital and Leasing Corporation.

People’s United Bank has around more than 5,370 employees.

Products

Take note that the interest rates here were based on the bank deal rates posted on the bank’s website which may be changed without notice. Please visit the website of People’s United Bank for the latest interest rates for their products.

Certificate of Deposit

The certificate of deposit offerings of People’s United Bank is a great way if you are looking for an investment with guaranteed returns. The cd rates are guaranteed and the certificates are covered by FDIC insurance. Consumers have an option between their Plus Certificate of Deposit and their Passbook CDs.

The Plus Certificate of Deposit offer premium interest rates for the checking account customers of the bank. You can also monitor this CD account as it will appear together with your checking account statement. The 2 Year Plus CD requires an opening deposit of $500 and gains 1.10% APY.

The Passbook CD are for customers who do not have a checking account with People’s United. The 2 Year Passbook Certificate of Deposit asks for a minimum opening deposit of $1,000 while it has a lower interest rate of 0.95% APY.

You can enjoy the best CD interest rates for these CD accounts with a minimum balance of $1,000.

Checking Account

People’s United Bank offers different checking accounts that will fit your banking needs and lifestyle.

Advantage Plus Checking comes with certain advantages. This checking account offers higher checking account rates when you maintain a balance of more than $10,000. It comes with free checks, ATM transactions, debit card, online banking, and other benefits subject to certain conditions. You can also avoid the monthly fees when you have a combined balance average of at least $7,500 for your deposit, CDs, or home equity products.

The Plus Checking Account of People’s United Bank offers value and flexibility in one checking account. It is a free checking account that requires no minimum daily balance, no requirements for direct deposits, and no monthly service fees.

From time to time, the bank runs a promo for their checking account like this Gas Card Bonus which was offered last year.

The interest rates for the checking accounts are not posted on the website of the bank. You can visit the nearest branch or call them thru 1800-772-1090 to inquire.

Money Market

The money market accounts of People’s United Bank are offered as a Linked Money Market or a Passbook Money Market Account.

The Linked Money Market Account simply sets up you money market account to be connected with your existing checking account for convenience and easy access. You can transfer your funds in between the two accounts for easy management. You can also earn a higher interest rate depending on the amount of your deposit.

Passbook Money Market is a deposit account designed for those who want a traditional money market savings. You will have a passbook to monitor and manage your account. All transactions like deposits and withdrawals are done by visiting the branch.

Savings Account

The bank offers a Passbook Savings Account and a Linked Savings Account.

The Passbook Savings Account is like your traditional savings account managed thru a passbook. You need to drop by a branch to complete any transaction.

The Linked Savings Account is linked with a checking account with the bank. You can move funds from one account to the other for easy management and access.

Contact Information

Website: People’s United Bank

Telephone number: 1800-772-1090

Headquarters: 850 Main Street, Bridgeport, CT 06604

Zions Bank which is officially known as the First Zions National Bank operates under the wings of the holdings company Zions Bancorporation which operates seven other banks in the United States. It is among the 100 largest banks in the US according to Forbe’s. It has also been regarded as the best small business lender in Utah and Idaho for more than a decade now.

History

Zions Bank traces its roots back in 1873 in the state of Utah where it was established by its Mormon founders. Zions Bank used the name Zions First National Bank in 1957 when the savings bank merged with the Utah Savings and Trust Company. The LDS Church gave up majority ownership of the bank in 1960 to Keystone Insurance and Investment Company.

The stock owned by Keystone was acquired in 1961 by the then newly incorporated First Nation Investment Company in Nevada. This investment company adapted the name Zions Bancorporation in 1965. The following year, they went public.

Zions First National Bank is still under the umbrella of Zions Bancorporation. It is a full service banking institution which offers consumer bank products, business banking, and commercial services to its clientele. They also offer a wide array of specialty services which ranges from private services, foreign banking services, and correspondent banking.

Zions Bank, as it is more popularly referred to, has offices spread across several states including Utah, Washington, Texas, Oregon, Idaho, California, Arizona, Colorado, New Mexico, and Idaho. Consumers can also avail of their banking services and products online.

In Utah and Idaho, Zions Bank has around 130 branches with around 150 ATMs in these two states. It currently employs around 2,700 individuals for its operations in Idaho and Utah.

Current Status

Zions First National Bank based in Salt Lake City has a total assets amounting to around $16.17 billion plus deposit amounting to around $13.63 billion. It represents the biggest chunk in terms of finances when you look into the eight banks under the umbrella of the Zions Bancorporation.

Zions Bancorporation as a whole has $50.43 billion in assets as off Q3 2011, dropping a bit from $50.84 billion in the same period last year. The bank did well this year with a steady performance basing on the slight improvement on the amount of assets from $49.7 billion during the first quarter, $50.23 billion for Q2, and $50.43 billion for the Q3 2011.

Compared to its closest peers based on Tier 1 Capital, Zions Bancorporation is in the top 20 with a Ratio of 12.57.

In terms of assets, the biggest chunk is under the net loans and leases amounting to around $35.99 billion, cash and balances due at $6.24 billion, securities $3.68 billion, and other intangibles at around $1 billion.

Zions Bancorporation has total deposits amounting to $41.83 billion with total liabilities at around $43.2 billion. At the moment it has a total equity capital of around $7.22 billion. The bank holds a total deposit of around $41.8 billion with domestic deposits making up $38.9 billion or around 95.38% of the deposits.

The non-performing loans of Zions Bancorporation as of Q3 2011 is pegged at $1.18 billion and their loan loss allowance stands at $1.15 billion.

Texas ratio is currently at 22.77.

Products

Savings

Zions Bank banners the Internet Savings that they are currently offering. This has a competitive savings interest rate of 0.75% APY for deposits of $1,000 and up. This has a variable rate so the numbers may change even after opening the account. Earnings are compounded on a daily basis and paid every month.

The rates for this savings offering has significantly dropped since our last review of Zions’ online savings account.

Money Market

This bank has several money market offerings. The interest rates range from 0.150% APY thru 0.50% APY depending on the kind of money market and amount of deposit.

Money market account – this is their regular money market which requires $1,000 to open. This does not have any monthly service fee. The interest rates are variable and earnings are paid every month. Like other money market accounts, restrictions on transfers apply.
Gold money market – This requires a Gold Account, Gold Checking Plus, or Gold Interest Checking but gives you better interest rates.
Gold Money Market Plus – This is their top of the line money market account but requires account holders to maintain a balance of $25K to avoid a monthly service fee of $20.

You can visit the website of the bank to know the specifics about application, details of the account, and current money market rates. We also featured this money market account last year.

Certificate of deposit

The certificate of deposit deals with Zions Bank offers rates close to the national rates. They have the Regular CD and Gold CD offerings.

The Regular CD requires $1,000 minimum to open with terms ranging from 3 months to 60 months. The cd rates start at 0.10% APY for 3 months and go up to 0.95% APY for a five year CD.

The Gold Certificate of Deposit also requires $1,000 opening deposit but this one needs the account holder to have a Gold interest Checking or a Gold Account Checking with the bank. The interest rates are a bit higher with 15 to 20 basis points more.

Both CD deals offer fixed interest rates depending on the term of the certificate. Penalties apply in case you do an early withdrawal.

Checking

Zions Bank has a wide array of checking options from Free Checking, Free Interest Checking, Military Checking, Gold Checking Plus, Gold Interest Checking and Gold Account Checking.

The interest rates start at 0.0.3 % APY for the lowest tier of Free Interest Checking and the best interest rate of 0.20% APY for the top tier of Gold Checking Plus.

The broad choices for checking gives you full control of your funds and allows you to monitor your account. The
opening deposit requirements basically depend on the kind of checking account you want ranging from $0 to $25K and varying service fees and features.

Contact information

Website: Zions Bank

Telephone Number: 1800-974-8800

Headquarters: One South Main Street, 15F, Salt Lake City, Utah 84133

Hudson City Savings Bank is the largest bank in New Jersey and is one of the top 50 biggest banks in the United States.. It started serving its customers back in 1868 and today operates more than 130 locations .

History

Hudson City Savings started back in March 1868 just a few years after the Civil War in the City of Hudson under the helm of Garrett Van Reipen who was also the first mayor of the city. Hudson merged with other two cities to form what we know today as Jersey City.

During the war against Germany in 1917, the bank participated in the drives for Victory and Liberty loans. It also survived the Great Depression during the 1930s when a lot of financial institutions had to close down. Hudson City Savings was able to maintain reserves of around $800,000 and assets of $11 million during these rough times.

The bank continued to grow during the 1950s thru the 1970s. Even during the 80s and the 90s when it was troublesome for a lot of financial institutions, Hudson City Savings was able to grow and gain strength. It was even named as the best bank in the state.

Before 2000, Hudson City Savings Bank became a subsidiary of Hudson City Bancorp gaining new assets and capital thru reorganization. In 2005, the bank went pubic and traded in the NASDAQ using the HCBK symbol.

Today Hudson City Savings Bank is considered as among the top banks in the United States. It is the biggest bank holding its headquarters in New Jersey with branches spread across the counties of Rockland, Putnam, Westchster, and also in Long Island and Philadelphia.

Current Status

The Hudson City Savings Bank is still in good health despite the decrease in its total assets now standing at $50.85 billion for the third quarter of 2011. This is a few notch lower compared to the amount posted for the same quarter in 2010 at $60.62 billion. It holds deposits from individuals, partnerships and corporations amounting to around $25.52 billion.

The Q1 of 2011 shows a significant net operating income of -$622.9 million and a non-interest expense amounting to $1.24 billion. The bank is also feeling the effects of the nonperforming loans which is pegged at $948.71 million for the Q3 2011 while the loan loss allowance stands at $268.75 million for the same period.

Hudson City Savings Bank has a current Texas Ratio of 20.26 based on the adjusted non-performing assets of $966.328,000 and the loan loss reserve combined with the tangible equity of $4,769,308,000.

Products

When you visit the website of Hudson City Savings to check for their money in the bank deals and current interest rates, you will have an option to check for their market areas in NJ, NY, and CT. But when we scanned the cd rates, savings account rates, and checking account rates, they were basically the same.

Certificate of Deposit

The certificates of deposit being offered by this bank comes in passbook format. You can open them online or by dropping by at one of their branches. The CDs require a minimum deposit of $500 to earn the published certificate of deposit rates.

Some of the best cd rates being offered by Hudson City includes the following:

6 months 0.75% APY
12 months 1.00% APY
18 months 1.10% APY
24 months 1.25% APY
60 months 2.00% APY

Here is a previous CD review we did about the certificate of deposit offerings of Hudson City.

Checking Account

The high yield checking account of Hudson City Savings Bank requires $10,000 to open. For this amount you can enjoy the best checking interest rates of 0.70% APY while deposits of $10 thru $9,999 earn a lower interest rate of 0.45% APY. You need to maintain the balance of $10K every month in order to avoid the monthly service charge of $20.

The checking account comes free with online banking, online bills payment, and specialized checks.

They also have the Super NOW checking account which gives you 0.50% for deposits of $1,000 and up, and 0.25% APY for balances of $10 to $999. An $8 service charge applies if you go below the $1K deposit line.

Money Market

The money market rates offered by this bank remains to be very competitive at 0.55% APY for deposits of $10 thru $24,999 and the best money market rate of 0.80% APY for deposits of $25K and more. You need to stay above the $10K line in order to avoid the monthly service fee of $10 every month. This comes with limited check writing privileges and perks like online banking, phone banking, direct deposit, unlimited deposits, and unlimited in-person withdrawals.

We looked in the money market offerings of Hudson City before.

Savings Account

Hudson City Savings Bank has several savings offerings . The best one is the Money Market Savings giving a good interest rate of 0.90% APY for deposits of $2,500 and up and 0.65% APY for $10 to $2,499. You need a deposit of at least $2,500 to enjoy the best interest rates.

The bank also has the Holiday Club and Vacation Club savings accounts which both offer an interest rate of 0.50% APY. The Regular savings also offers 0.50% APY with a minimum deposit requirement of $10.

We looking into Hudson City Savings’ online savings bank offering before.

Contact information

Website: Hudson City Savings Bank

Telephone Number: 1866-448-9498

Headquarters: West 80 Century Road, Paramus, New Jersey 07652

PNC Bank or Pittsburgh National Corporation is a sizable financial institution which focus on retail banking, asset management, corporate banking, investment management, and mortgage banking. PNC Bank reports its assets at the moment to be pegged at $254.8 billion as of the seconds quarter of 2011.

History

PNC Bank has a long history of commercial bank which started back in the 1800s. It was founded as the Pittsburgh Trust and Savings Company back in 1852 and has taken several transformations since. It merged with Peoples-Pittsburgh Trust Company and formed Peoples First National Bank and Trust Company.

Pittsburgh National Bank took shape after Fidelity Trust joined Peoples First which then merged with First National. By 1990, PNC decided to offer the services of the different entities on a single platform which allowed them to provide a common set of services and products. They then shifted focusing on offering their services on a regional basis to different lines of business. From Pennsylvania, they were able to acquire several financial institutions which allowed them to enter other markets and build their national presence.

PNC Bank was once awarded the Bank of the Year in the U.S. by The Banker magazine. They were also included in the Fortune 200, Fortune 500, and list of Most Admired Companies in Fortune Magazine. These were just among the recognitions among others of the PNC Financial Group.

Current Status

PNC Bank is considered as among the best banks in the United States today with around $254.8 billion in assets, almost 50,000 employees, and more than 2,600 offices. It is in the top 45 compared to its 99 closest peers in the business.

The assets of PNC has seesawed since 200 but remains to be impressive. Comparing the figures for the second quarters of each year, it shows $281.2 billion (2009), $251.07 billion (2010), and at $254.8 billion for the current year.

Total deposits remain stable going from $196.2 billion in 2009 Q2, $182.31 billion in 2010 Q2, to $188.11 billion in 2011 Q2.

Non performing assets amounts to around $8.98 billion with non performing loans amounting to $8.16 billion. PNC Bank maintains $1.05 billion in restructured loans which are currently in compliance.

PNC Bank has a current Texas Ration of 25.03

Products

Certificate of Deposit

Looking at the line of bank deals for PNC Bank at the moment, the most attractive offering is the promotional certificate of deposit. It is a 5 year Callable CD with best interest rates of 1.10% APY with a required minimum balance of $10,000 to earn the best interest rates. A lower tiered 36-month promo CD requires the same deposit but with a lower cd rate of 0.50% APY.

Callable CDs of PNC are being offered on these two terms only. These can be called by bank after its first year for a 36-month CD and after 2 years for a 60-month CD. Once called, account holders will receive a notice and it will be your choice to access the funds in the CD during the grace period without worrying about penalties or let it automatically roll as a 12-month CD getting the certificate of deposit rates in effect for a regular 12-month CD.

Savings Account

PNC Bank allows consumers to start and try their traditional savings account for as low as $25. The rates though are low but is comparable to the other banks nationwide. The current savings interest rates is pegged at 0.01% APY.

They also offer Savings Max. This is a tiered savings account which requires a minimum of $10,000 to open. The interest rates are as follows: $10,000 (0.1% APY); $25K (0.15% APY) ; $50K (0.20% APY); $100K to $1M (0.25% APY).

Money Market

The money market accoung being offered by PNC Bank requires at least $100 to open with $1000 balance requirement to avoid monthly service fees. It is not as competitive as th APY for $10,000 thru $25K deposit; $50K at 0.20% APY; $100K for 0.25% APY; and $500K for 0.30% APY.

Checking Account

The bank offers three kinds of checking account: Virtual Wallet, Performance Checking, and Free Checking. The interest rates though even for the reward checking are not very attractive pegged at 0.01% APY. There are certain benefits though and a point system for the rewards system.

Contact Information

Website:www.pnc.com

Telephone number: 1-888-PNC-BANK

Headquarters: The PNC Financial Services Group, Inc., 249 Fifth Avenue, One PNC Plaza, Pittsburgh, PA 15222

Flagstar Bank is a community bank based in Troy, Michigan with around 162 banking centers spread across Michigan, Georgia, and Indiana. It was chartered as a federal savings bank back in 1987. Flagstar reports its assets to be around $12.7 billion as of the 2nd Quarter of 2011.

History

Flagstar Bank traces its business roots back in 1938 as Security Savings & Loan in Jackson, Michigan. The mortgage side of the business kicked off as First Security Bank which focused on retail and wholesale home lending. Back in 1992, First Security Bank bought out Security Savings of Jackson which further expanded their assets and services.

The bank changed its name to Flagstar Bank in 1996 to reflect the bank’s status as a full line retail bank and mortgage lending company. Flagstar was listed on Nasdaq in 1997 and moved to the New York Stock Exchange in 2001 trading under the symbol of FBC.

The bank has extended its services from Michigan to provide services in the states of Georgia and Indiana.

Current Status

The bank is considered as among the top 100 banks in the United States. Its assets have gone up and down from $14.2 billion in Q3 2008, $16.36 billion in Q2 2009, $13.69 billion in Q2 2010, $13 billion in Q1 of this year, and $12.7 billion at the moment.

Experts go thumbs up for the increase in capital ratio of Flagstar bank but issues caution as they put spotlight on non performing loans and net interest margin.

Looking at the Texas Ratio of Flagstar Bank is currently at 89.77 with non performing assets of around $1.4 billion and equity plus loan loss reserve of around $1.57 billion. The bank has around $440 million in restructured loans which are current or in compliance.

Total deposits are pegged at $7.55 billion at the moment.

Products

Certificate of Deposit

Consumers can open the CD accounts with a minimum deposit of $500.

The top CD rates offered by the bank are the following:

1.75% APY 60-71 months
1.04% APY 48-59 months
0.94% APY 36-47 months
0.75% APY 18-23 months
1.05% APY 13 months

You can also get good certificate of deposit deals thru the bank’s subsidiary, Flagstar Direct Here’s one of our reviews of these certificates of deposit .

High Yield Checking

Flagstar Bank offers 0.50% APY for its high yield checking account across all tiers. You can open this checking account for as little as $50 with a minimum balance requirement of $5,000 to avoid monthly service fees.

If you prefer online banking, you can also get this from Flagstar Direct. Here’s and old review of the checking account deals.

Money Market

The money market rates require a minimum balance of $5,000 to avoid monthly service fees. The money market rates range from 0.10% APY to 0.35% APY. Here’s an overview of this money market product.

Savings

The current savings interest rates range from 0.10% APY to 0.45% APY depending on the savings tier. They have a promo rate of 1.25% APY. Find out more thru Flagstar’s website.

Take note that the reviews or features may have old dates and may spotlight old interest rates. Check the website of the bank for the latest interest rates.

You can apply for these bank deals thru the website of Flagstar Bank. You may also visit one of their branches to inquire and apply for an account.

Contact information

Website: https://www.flagstar.com/

Corporate Headquarters: 5151 Corporate Drive, Troy, Michigan

Phone numbers:

Corporate Headquarters 800-945-7700
Commercial Banking 888-324-4100
Banking Services and Online Banking 800-642-0039

It is now a common trend that the groups that are offering conventional branch banking are providing online services as well, with the help of one of their associates. What these groups do is to float another associate to offer these services online. Umbrella bank too is one of the associates of New South Federal Savings Bank offering all the banking services on the net. Umbrella bank has a rich heritage and old history. The bank is the online banking division of New South Federal Savings Bank which in turn is a member of the Collateral group of companies. This group has been providing different financial services since 1933 and has been one of the most famous banking groups of the USA. The Umbrella bank follows the same mission which the group has. It basically revolves around integrity, community services and profitability. The bank offers a huge array of financial products to its customers over the internet. Customers have the liberty of choosing from the wide range of products any time and any day. It gives the user the facility of twenty four hours banking and seven days a week. Due to its superior products the bank has earned good reputation in bank reviews.

The bank has been offering checking accounts, money market accounts, different CDs and IRA products, mortgages, credit cards and so forth. It has got all the products designed to suit needs of each and every customer. Apart from these products it offers retirement accounts and a unique product called PetTrustPlus savings service as well. These savings accounts are designed for the pet lovers who own certain pets and are worried about the future of their pets when they are no more in this world. Under PetTrustPlus savings accounts the bank allows the customer to have a legal authority of trust documents coupled with the opportunity to earn interest on the customer’s saving account. The trust takes care of the consumer’s pet after the demise of the consumer. It allows the consumer to close this account without any penalty. The bank offers wide product range on retirement planning as well. Since all the transactions take place over the internet, utmost importance is given on the data security. The bank has been continuously upgrading its internet security to restrict any unauthorized access. The bank keeps the customer data as private and does not share it with any other bank.

——————————————————————————————

Other Details:

Website: www.umbrellabank.com

Phone Number: 1.866.UMBRELLA (862-7355)

Address: UmbrellaBank.com, P.O. Box 101448, Birmingham, AL 35210
Minimum Balance: www.umbrellabank.com

Interest: www.umbrellabank.com

Current Savings Account Rates: www.umbrellabank.com

Current CD Rates: www.umbrellabank.com

There are many community serving banks in the USA. These banks serve a particular community and the services that they provide are for the benefit of that particular community. Ultima bank was also formed to serve the small farming community based in Winger, Minnesota. The bank was established in the year 1904 and has changed two names. Initially, it was known as Farmers State Bank of Winger and than it became Farmers State Bank of Fosston- Winger. The bank was established with a vision to provide superior products coupled with outstanding services. It has its mission to serve the rural community of the Winger area with the help of modernized services. Among the rural area serving community bankers, Ultima bank is rated on the top in the bank ratings. The bank has been able to keep the traditional banking alive with today’s advanced technology. It provides its services on conventional methods and over the internet as well. For the benefit of the farming community the bank has started providing its exemplary products online. It allows the customers to have their own leisure of banking. It has given a new dimension to the banking in that area. In its esolution banking, the bank allows the consumers to take advantage of different services provided by it such as statement through mail, online balance checking, online deposit making and withdrawals. It also gives the facility to the user to have their bills paid through online.

The bank has seen a lot of ups and downs. Since its inception to the year 1940 the bank had reasonably good time in providing its services as the population of the area was increasing but then started to fall and bank started to feel the pinch as the revenue was not up to the mark. The bank managed to survive in the tough times. In the year 1994 the bank opened another facility in Fosston area and also resolved to turn towards the modernization of the services. Now the bank has its reach to almost everyone in the USA through online banking. In traditional banking from the bank provides different well managed checking and savings accounts. For the students also it provides different accounts to operate and earn some interest. It provides investment services as well to the consumers. Loans are also provided at an affordable rate. The bank also provides certain professional services.

———————————————————————————————

Other Details:

Website: www.ufbdirect.com

Phone Number: 435-2265 (local) or 1-800-421-2588 (toll-free)

Address: Ultima Bank Minnesota P.O. Box 299 Fosston, MN 56542
Minimum Balance: www.ufbdirect.com

Interest: www.ufbdirect.com

Current Savings Account Rates: www.ufbdirect.com

Current CD Rates: www.ufbdirect.com

Today people want to have fast, effective and cost effective banking services. They prefer the banks that offer higher earnings on their savings. One of the leading banks providing cost effective banking and higher interest rates on deposits is UFB Direct Bank. The bank provides all its products through internet. Using the advanced technology for the benefit of the customers, the bank has been able to transfer the benefits to its customers that it has earned form branchless banking. As the customers can access banks products through the internet it gives them the convenience of banking any time and any day. They can open the accounts online, have their balances checked, transfer money in their different online accounts any many more services. With the banking over internet, the bank has been able to unfold its wings to each and every state of the USA and has been recognized as a nationwide bank. As it has a mission to benefit its customer by leveraging the banks efficient services, it is regarded as on of the toppers in the bank ratings. Banking over internet helps the consumers to have a hassle free banking; there is no need of standing in queue. They can easily do their other activities and do banking as well.

The bank boats on the efficient staff that it has. These staffs are well trained and are groomed to serve the customer better. They love to know the customers by the name and are eager to provide solutions to their banking needs. Bank provides a good savings option to the salary earning community. As per this particular program certain agreed portion of the paycheck of a customer is automatically transferred to savings account giving the customer the opportunity to save money and earn interest as well. To facilitate the customer deposits the bank has around 3500 deposit drop locations where the customers can drop their deposits. The deposits with the bank are insured with FDIC as well. The bank even guarantees its customers that the interest earned by them would be among the 10% best banks in the USA. The bank also facilitates wire transfers for its customers. It also gives the account holders the benefit of paying their bills online and thus save their precious time. The bank allows the consumers to earn certain mileages on opening and operating the fund accounts with it.

——————————————————————————————

Other Details:

Website: www.ufbdirect.com

Phone Number: 888-580-0049

Address: PO Box 19503, Irvine, CA 92623- 9928
Minimum Balance: www.ufbdirect.com

Interest: www.ufbdirect.com

Current Savings Account Rates: www.ufbdirect.com

Current CD Rates: www.ufbdirect.com

There are many banks in the USA that are involved in different kinds of community banking. Some serve the people of a particular area, some certain tribes. Transportation Alliance Bank, called ATB in short, is involved in serving the transportation community. The bank was formed with a mission to provide a wide range of financial products to the professional trucking market. The bank has a motive to provide diversified financial products which are generally not available in any other bank. All its products are trucking market oriented and are available for individual drivers and fleet motor carriers as well. The bank opened its doors in the year 1998 as Industrial Loan Corporation. It is a wholly owned subsidiary of Flying J Inc. Flying J Inc. is the USA’s leading retailer in diesel fuel. As the bank is among the few banks which take care of transportation community, it holds a high rating in bank reviews. The bank provides its services to the customers of Flying J Inc as well.

The bank offers diversified services to its customers. These services include checking accounts, savings accounts, A/R Financing, debit cards, truck and trailer leasing, generation of CDs and so forth. The bank has also started providing different banking transaction alerts on customer’s mobile. Initially, it has started with deposit conformation. Now the customer does not have to call the customer care to know if the deposit has taken place or not. The customer can get these alerts on his email as well. He has to just follow certain simple steps to get himself registered. It has also started providing its services online as well. It gives the consumers the convenience of any time anywhere banking. The rate that it provides for all the deposits are very much completive. For the security of the deposits lying with bank, the bank has insured all its deposits through FDIC to the maximum extent. In its debit card services the bank gives different benefits to the card holder. It allows the holder to earn certain rewards while hey spend through the card. One of the unique services that the bank provides is A/R financing. Under this service the bank advances a specific percentage of a freight bill to the customer upon the submission of required documents after the delivery is done by the transporter. This helps the customer to generate instant cash flow.

———————————————————————————————

Other Details:

Website: www.tabbank.com

Phone Number: 800.355.3063

Address: 4185 Harrison Blvd, Suite 200, Ogden, UT 84403
Minimum Balance: www.tabbank.com

Interest: www.tabbank.com

Current Savings Account Rates: www.tabbank.com

Current CD Rates: www.tabbank.com

What makes a bank different from others? It is the quality of the services that it provides and the kind of products that it offers to its customers. Today people prefer to deal with a bank which has got almost all the solutions for their financial needs. One among such banks, Superior Savings Bank is famous for its exemplary and distinctive products and outstanding customer services. The bank has the mission to provide products which are customized to suit the needs of each and every customer. Since the day it opened its door to the outside world it had the vision that no one should go out of the bank without having got the answers for his financial queries. It is because of its superior customer oriented services that the bank is popular I the areas where it serves. Due to its different arrays of products and dedicated customer services then bank is rated very high in bank ratings. Let’s evaluate the services for which it is so famous.

The bank is FDIC insured and is Equal Housing lender. The bank has got different arrays of products ranging from savings account, checking account, IRAs, CDs to different types of mortgages and loans. For the convenience of the customers the bank has also started online banking as well as phone banking. Online banking allows the consumers to open different accounts, transfer amounts in different accounts, view their account balances etc. at their own convenience at any point of time. It allows the user to have the knowledge about the products that the bank is offering. Under Phone banking segment the customers can access bank’s different services through phone from any where and anytime. Over the telephone the customer know the balances in their accounts, transfer amounts in the accounts in different branches of the Superior bank, know loan payment history and many more. The user has to register himself through some simple steps for availing this facility. Another step taken by the bank towards providing good customer services is to open branches in the supermarkets. It gives the ease to the customers to bank while they do shopping. The branches operate till 7 PM on weekdays and up to noon on Saturdays. The ATM cards, called as Instacash cards, offered by the bank act as checks yet more convenient to handle. The consumer can shop through these cards and the money gets deducted from the bank account once the card is swiped.

———————————————————————————————

Other Details:

Website: www.ss-bank.com

Phone Number: 1-715-394-7778 / 1-800-535-8440

Address: 1130 Tower Avenue, Superior, WI 54880
Minimum Balance: www.ss-bank.com

Interest: www.ss-bank.com

Current Savings Account Rates: www.ss-bank.com

Current CD Rates: www.ss-bank.com