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.
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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.
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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.
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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.
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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.
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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
Banking today does not only mean to offer traditional banking products but to innovate different ideas and products which are very much different form others and suited to all classes of people. It also includes providing different arrays of exemplary products and excellent customer services. Banks are now providing almost all the financial products under one roof either themselves or with their associates and with joint ventures. One of the foremost names in such category is Salem Five. As the bank was formed in Salem, Massachusetts in the year 1855, it got its name Salem. Since its inception the bank has many ups and downs in its working area but remained as strong as it is today. In difficult times when many industrial organizations left Salem looking for cheap labor, the bank kept its ground firm and supported in rebuilding the area. As a result of that today, it is one of the strongest and well capitalized bank in the USA. It not only provides the banking services but assists in community services as well. In the year 1914 when the major part of the Salem city was destroyed by the devastating fire, the bank played an important role in rebuilding the city. The bank has funded many community oriented programs. With his virtue the bank is among the toppers in bank reviews.
On the banking front, the bank is famous for its customer oriented services. It has got a well trained staff that is devoted to serve the customers better. Twenty four hours telephone customer care, banking over internet and ATM banking are few of the examples which show that bank’s resolve to provide outstanding customer services. Today, the bank has more than 2500 ATMs across the country. With the help these services, the customer can access bank’s products and services at their own convenience at any time and any where. The bank, with the help of its innovative products and exemplary services, holds assets more than $2.8 billion. With help of its subsidiaries the bank provides mortgage, investment and insurance services. The bank also offers depository services. All the deposits are insured with FDIC. The bank also strives to invent new products and now it has introduced external fund transfer through online banking. It is one of the newest ideas in the banking sector. It is treated one of the most consumer friendly banks in the country.
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Other Details:
Website: www.salemfive.com
Phone Number: 1.800.322.2265/ (978) 745-7787/(800) 255-7787
Address: 210 Essex Street, Salem, MA 01970
Minimum Balance: www.salemfive.com
Interest: www.salemfive.com
Current Savings Account Rates: www.salemfive.com
Current CD Rates: www.salemfive.com
In today’s fast paced people do not want to run one bank to other for their different banking solutions, rather they prefer to have their financial needs addressed under one roof. To attract such customers many banks have started offering not only the traditional banking products but different varieties of other financial products as well. Now the customers do not have to run pillar to post for their financial needs. One of the renowned names in diversified financial banking is Principal bank. Principal bank is one of the constituents of The Principal Group. The group has got its presence globally through its associates and group companies. It is rated very high in bank ratings. Offering such a wide range of diversified products has helped the bank to gain an outstanding position in bank reviews. The group has financial solutions for almost each and everyone ranging from individuals, business houses and retired people as well. The products that it offers are the conventional bank products like checking, savings and money accounts and other financial products like insurance, retirement products, wealth and wellness and asset management. The group has been providing these services for a long time and now and that too very efficiently. It has started providing its services over the internet so that the customer can access the products offered by it from anywhere and anytime. It also has its active customer care over telephone which is available twenty four hours for the benefit of the customers.
The group has been providing many diversified services and has its headquarters at Des Moines, Iowa and has more than 15 million customers. Its Global asset management arm manages different assets for its clients and provides consultancy services too. It has introduced many retirement programs for the benefit of the working class. It has got a wide variety of retirement solutions. In investment services it provides different investment products having fixed income, equity investment and real estate investment programs. Apart from the products mentioned above, the group provides many insurance products as well. These products range from life, disability, dental to vision insurance. It also offers a wide range of health care programs to suit the consumers’ needs. It provides some wellness programs developed for certain employers for their employee benefit. In traditional banking it allows the customers to open and check different accounts online, transfer balances and see the balances in their accounts online.
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Other Details:
Website: www.principal.com
Phone Number: 1.800.986.3343
Address: Principal Financial Group, 711 High Street, Des Moines, IA 50392
Minimum Balance: www.principal.com
Interest: www.principal.com
Current Savings Account Rates: www.principal.com
Current CD Rates: www.principal.com
Many of the banks still follow the conventional and conservative method of lending but manage to succeed in their mission. One name which is worth mentioning in this regard is the Presidential bank. The bank is a federal bank and is regulated by the specific statute. Though this was formed in the year 1985 it has come long way on the success path. It applies a conservative method in lending money so that the depositors’ money is safeguarded and does not fall in wrong hands. It also strives to follow the modern and progressive approach as well. Due to this balanced approach the bank is very famous in the areas where it serves and has earned bank a good rating in bank ratings. In today’s modern and fast paced banking the mortgages are offered at a faster rate and in doing so, banks often do not verify the potential customer’s repaying ability. Sometimes it turns out to be a non performing debt. Presidential bank verifies all the required details about the potential mortgage seeker, goes deeply in to its background and then approves the mortgage. This helps the bank to offer the facility to the genuine seekers and money remains secured as well. In its continuous effort for the customer benefit, the bank in the year 1995 started offering account opening facility through internet, making it the USA’s first bank to do so.
Presidential bank was formed by the founders of Mosaic Funds (previously known as GIT Investment Funds). Since its initial days, the bank started generating profits for the group even when markets were turbulent. Today the bank holds $450 million in assets. The bank is among the initiators of real time PC banking service allowing the customer to see their account balances, transfer money between different accounts over internet. It gave the customer the facility to view the month to date statement as well. The bank did some unconventional banking during the year 1992 to 1997. It started purchasing performing loans from the unsuccessful banks and then route them though FDIC and RTC. This gave the bank the opportunity to generate higher yield than the other banks and helped it to reach at the top in the Washington DC area. The bank has won many awards for its outstanding services and products in the USA. It shows that banks can be successful even if they follow conservative banking approach.
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Other Details:
Website: www.presidential.com
Phone Number: (301) 652-0700
Address: 4520 East-West Highway, Bethesda, Maryland 20814
Minimum Balance: www.presidential.com
Interest: www.presidential.com
Current Savings Account Rates: www.presidential.com
Current CD Rates: www.presidential.com
There are few banks in the world whose primary motive is not to earn profits, but to serve the community. One of them is OneUnited Bank. This bank was formed to serve low to moderate earning urban population. Since its inception the bank has the mission to provide exemplary services and products for the economical development of urban community. In doing so, the bank has been launching new products and new services that have helped the community to fulfill its needs at a relatively lower cost and at a faster rate. In bank reviews this bank holds a high reputation as it is regarded as the largest bank in the USA which is owned and managed by the black people. It also has the distinction of being first black owned internet bank and also the first black owned interstate bank. The bank has a vision of providing world class products that help in wealth creation for the urban communities. As the bank has got branches in more than one state in the USA, it has managed to broaden its customer base. The bank’s history is more than 50 years old when several banks across the USA having the same mission were merged and formed as OneUnited Bank. The bank is a merger of Founders National Bank of Commerce, Los Angeles, Family Savings Bank, Los Angeles, Peoples National Bank of Commerce in Miami and Boston Bank of Commerce.
The bank strives for its community. For the betterment of its targeted community the bank has innovated many products and services. It was for the ease of its customers only, that the bank launched banking through internet and expanded its branches to other states. The bank in principally involved in deposit gathering and offering mortgage loans. Apart form this it deals in some state based securities as well. All the deposits with bank are insured with FDIC and are secured to the maximum extent. It has got well trained staffs that are more than ready to serve the customers and loan officers as well who know their customers by their names, giving them a feel of being special. Through net banking it has become easier for the customers to access the banking products at their own convenience. The bank is on expanding spree and is ready to acquire other banks also that support its mission so that it can serve the community better.
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Other Details:
Website: www.oneunited.com
Phone Number: (617) 457- 4400
Address: 100 Franklin Street, Suite 600, Boston, MA 02110
Minimum Balance: www.oneunited.com
Interest: www.oneunited.com
Current Savings Account Rates: www.oneunited.com
Current CD Rates: www.oneunited.com
It is a well known fact that the fittest survives in a competitive world. In today’s cut throat competitive markets, banks are providing different products and services to overtake their competitors. More or less all the banks provide the same services; the thing which differentiates one bank from other is the quality of the customer services and suitability of the offered products to its customers. One of the foremost names in the different banking experience is Key bank. Being a part of KeyCorp has made it a class above than its competitors. Rated among the toppers in bank ratings, KeyCorp is one of the USA’s largest bank based financial service provider companies. With its distinguished products and superior services, the bank has been able to raise around $ 98 billion in assets and has almost 1485 ATMs. Not only that, it also has around 993 full service branch locations. Apart from financial banking the bank is involved in community banking as well.
Bank’s history dates back to 1849 and since that day it has been in the continuous service of the community. As it prides itself on the rich heritage that it inherited, the bank also improved upon its area of products offerings. It provides a large array of services which includes retails and commercial banking, consumer banking, corporate and investment banking and investment management as well. In one sentence we can say that the bank provides almost all the services which you expect a bank to provide. Due to its exemplary products it has won many accolades and awards. In consumer banking bank provides home equity loans and educational loans at a very competitive and affordable rate. In corporate and investment banking the bank offers a wide range of products to business houses. With the help of its group companies, it provides construction loans, long term financial products. It also provides the financial solution for the small to big business organization in their equipment acquisition needs. It also offers treasury management services as well with the help of its associates. In investment management services the bank provides tailor made solutions to its client. For the customer facilitation the bank has twenty four hours operated customer care over telephone. Moreover, any body can access bank’s products any time and from any where through internet. To assist the customers the group has around 17,000 employees nationwide.
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Other Details:
Website: www.key.com
Phone Number: 800-KEY2YOU (800-539-2968)
Address: 127 Public Square, Cleveland, Ohio 44114
Minimum Balance: www.key.com
Interest: www.key.com
Current Savings Account Rates: www.key.com
Current CD Rates: www.key.com
