Learn Your Rights From Free Videos
If you’re looking for easy to understand legal advice on all sorts of financial problems you need “Money, Credit and the Law — Know Your Rights!”
It’s a free, six-part series of online videos produced by the Center for Consumer Law at the University of Houston Law Center.
In them, law professor Richard Alderman explains how to stop abusive calls from debt collectors, find legitimate credit counselors, defend yourself against lawsuits, file for bankruptcy and much more.
If nothing else, these videos will make it harder for you to be scammed or bullied by unscrupulous creditors and con men who prey on consumers in financial trouble.
READ THE ENTIRE POST.
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Pennsylvania State Employees Credit Union is First to Add Free FICO Credit Scores to Online Banking
In what I hope is the beginning of a trend, Pennsylvania State Employees Credit Union (PSECU) is offering free FICO credit scores to its online banking customers. The CU says more than 200,000 members are eligible to receive free scores.
Although, Wamu and HSBC (note 1) both offer free scores for their respective credit card customers, PSECU is the first financial institution to offer scores to checking account customers within the online banking area.
There is no charge for the service, but members must enroll to participate. A new score will be posted online each month in the online banking area. Members also have the option to receive alerts when their scores are updated.
The service is powered by Fair Isaac’s MyFICO service. According its press released today, the company is talking with other financial institutions about participating in the Scores on Statements program. Currently, 1.5 million consumers have access to free credit scores through the service.
Bottom line: Without knowing the financial arrangements, it’s impossible to estimate the ROI. But credit scores have real value to consumers and any financial institution providing them for free is likely to improve its standing. It’s also possible that a free credit score service could be a profit center if fee-based credit report monitoring options are marketed to enrollees of the free service (note 2).
Citibank FREE $25 Savings Account
Here is a hot deal from Citibank. Sign up for the Ultimate Savings Account (2.50% APY) with $1000 minimum deposit, and they will give you a $25 bonus after 3 months.
This is your bailout money at work, people! Citi stands to drain up to $300bn in bailout funds from the Treasury, FDIC, and Federal Reserve, and yet, here they are giving away free cash!
It is your duty as an American and a taxpayer to take advantage of this deal! They’re paying you with your own money
Chase FREE $50 Checking Deal
Chase is running a FREE $50 bonus for opening a checking account. You will need to follow the link above and enter your email to get details. Keep in mind that direct deposit is required to qualify for the bonus.
Offer Details
To qualify for the reward you must open a new Chase Checking(SM) account with a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 calendar days of account opening, you must initiate a monthly direct deposit such as payroll, pension or Social Security, or other government benefits. The reward will be deposited into your new account within 10 days after the initial direct deposit has posted to your account. Limit one personal checking account-related reward/premium per customer, per calendar year.
Bank of America FREE $50 Deal
Dan at BankVibe found a free $50 deal at Bank of America. Basically, if you open a checking account with $100 minimum deposit, they will give you a $50 bonus.
Offer expires January 31, 2009.
FREE $25 Best Buy Gift Certificate @ HSBC
HSBCdirect Online Savings has a special bank promo where new customers of their online savings account get a free $25 Best Buy GC.
HSBC Direct’s Money Market account is pretty good because it earns 5.05% APY.
FREE $25 Bonus @ GE Money Savings
GE Money Savings is a low rate online bank, with a 4.50% APY. However, they have a FREE $25 Bonus for signing up a new account. If you like bank hopping to get in on bank deals like these, here’s how to get free money.
Goto GE Money Savings and enter one of the following promotional codes on the right hand side of the page.
RSF126L - $25 cash
EMPL03 - $25 cash
TMW76 - $25 Men’s Warehouse Gift Certificate
LNT312 - $25 Linens & Things Gift Certificate
KL76 - $25 IKEA Gift Certificate
GE Money Bank delivers numerous banking services. Both personal and small business financial services are made ready by GE Money Bank. At a personal level, GE Money Bank offers customers the ability to apply for and receive one Visa Credit Card or three different MasterCards, mortgages, home equity line of credit options, refinancing options, auto loans, personal loans, and educational loans. Meanwhile, at the small business level, GE Money Bank allows customers to access business credit cards, financing services, and health care insurance options for employees. Whether a customer needs a loan to improve one’s home or they are simply looking to take a vacation, the GE Money Bank is prepared to address one’s financial needs.
GE Money Bank is centrally located in Stamford Connecticut, and is a financial service division of General Electric. With more than seven decades of experience, the GE Money Bank aims at providing quality customer service: customer treatment that is quick, efficient and simple. The General Electric Corporation was originally established in an effort to offer customers the ability to finance and acquire home appliances. Currently, there are more than 115 million consumers nationwide that rely on the GE Money Bank to provide equitable and reasonable financial services and solutions.
With the rich history of General Electric at its backing, GE Money Bank offers customer care that is unmatched in the financial industry. Customers are held in high esteem, given excellent value, and customers’ personal information is never put in jeopardy. As a member of the Federal Deposit Insurance Corporation, the GE Money Bank guarantees and insures deposits up to 100,000 dollars
Free Safe Deposit Box Bank Deal
For those who have $25K, you can have a free safe deposit box if you maintain a balance in excess of $25K at World Savings Bank.
No monthly service charge on a Checking-with-Interest account
Free World Check Card with checking account
Free safe deposit box
Free American Express Travelers Cheques (unlimited supply)
Free notary service
Free money orders (up to five per month)
Free teller’s checks (in amounts of $100 or more)
Free signature guarantee
It would be pretty cool to have a safe deposit box. I don’t know what I would put in it, but still feels pretty rich to have one. I’m planning on getting a CD account at World Savings just so I can get a free safe deposit box. Check it out!
