MyCardBlog

Recently HSBC has just releases some banking bonuses (including checking and savings accounts) which are good through 02/29/2008.

$75 bonus for opening an HSBC interest checking account with qualified deposit—Minimum $3,000 initial deposit is required to receive the bonus. This account requires minimum$3,000 daily balance to avoid monthly fees.

$50 bonus for opening an HSBC premium money market plus account—Minimum $3,000 initial deposit is required to receive the bonus. There is no minimum balance required on this account. There is no minimum balance required on this account.

$25 bonus for opening an HSBC regular savings account—Minimum $500 initial deposit is required to receive the bonus. You can choose to open either a regular savings account or a student savings account. In addition, you have to authorize automatic transfer of $10 or more from your HSBC checking account to your HSBC savings account. There is a $100 minimum balance to earn interest on this account.

The bonus will be credited to your account within 6~8 weeks.

How to open an account at HSBC?

You can apply online via the bonus links, visit any HSBC branch or call 866-257-3209 to apply by phone.

I searched on the internet to see whether there is any chance to earn free money these days. Finally, I found this one—$100 bonus from TD Ameritrade! This $100 bonus is a reward for joining the Save Yourself Plan at TD Ameritrade.

According to the promotion, you should open an account at TD Ameritrade by March 31, 2008 and set up automatic deposit of $50 or more to this new account for 12 consecutive months. Plus you can still enjoy their high interest rate.

Anyone who opens a Save Yourself account by March 31, 2008, will receive a $100 bonus for making 12 monthly automatic deposits of at least $50 each, which will help build up their account balance. That means a friend or family member who opens an account anytime between today and March 2008, will receive the same great offer you did.

The process is very simple: open an account and put in the code: 701, set up automatic deposit with at least $50 per month, and wait for the $100 appear in your account after 12 months.

Considering the continuing rate cut by the Fed, this is a good deal to jump especially when there is no hard pulls for opening a new account at TD Ameritrade. If you just keep the minimum amount, you will earn more than 16.67% APY in this account including the
$100 bonus! For details, please go to TD Ameritrade.

WaMu has just started out rolling out a new saving account named “Savings for Success” which is only available to residents at Illinois, Georgia, Texas and Washington. However, not like Bank of America’s “Keep the Change” (also available at Lasalle Bank) and Wachoiva’s “Way2Save”, you just earn high interest rate in this account.

How does Savings for Success work?

You will need a checking account and then open this savings for success account, and then link them together. After that, you can set up automatic monthly transfer from your checking account to this special saving account (up to $500 per month) for t he rest of the year. In the first year, you can’t withdraw the money at this special account otherwise a penalty will be applied. The reward is 5.50% to 6.50% APY in your account for a year. After the first year, you can choose to renew at a new interest rate or close the account and take the money out from this account. The initial deposit is from $1 to $500 at your choice without monthly fees. And you can transfer from $25 to $500 per month from your checking account to this special saving account.

If you are currently using WaMu’s checking account and want to earn some interest, you may want to think about it. (link to WaMu, compare this to BOA Keep the Change & Wachovia Way2Save)
Obviously, this account is not suitable to people with large deposit. If you have lots of free money, you may want to consider WT|Direct Saving account.

• 4.30% APY*
• Accounts $10,000+
• No Fees
• FDIC Insured**
• Rate consistently in top 5% of U.S. banks
• Customer service with a direct connection to real people
• Part of a family of companies recognized globally as leaders in financial services.

Currently, the best checking and saving combination in the banking market is from WaMu. Use the free checking account together with a saving account from WaMu and you will see how much you can save!

The reason for this post is very simple—earn money from Wachovia by playing Way2Save Account recently provided by Wachovia.
Wachovia has just started a new saving account—Way2Save Account which is nationwide available. This program is similar to BOA “Keep the Change” program. It’s a great deal for those who have a Wachovia Free Checking account or planning to open a free checking account at Wachovia.

Features of Way2Save Account:

• APY 5.00%
• Maximum $100 per month transfer from a checking account to this account
• At the end of first year, 5% bonus will be applied to this account (2% for the second and third year)
• $1 will be deposited to this account when you make a debit card purchase, bill pay or automatic transfer from your checking account.

Let’s calculate how much you can save in this program: let’s say you make 10 debit card purchases, 5 online bill pays and transfer $100 to this account every month. Use the calculator provided by Wachovia (here), you can get:

You can get $106 from Wachovia! What a great saving account!

You can visit their Way2Save page to get more details.

I have a post about Lasalle bank $100 bonus for opening a checking and saving account there. (click here) Now you can still see the promotion page at Lasalle bank. In order to get the $100 bonus, you have to meet the following requirements:

• Open a checking account with a minimum of $250
• Open a statement savings account with a minimum of $100
• Sign up for a LaSalle Money Card debit card
• Make a purchase with your Money Card within 60 days of account opening

According to the fine print, you are expected to receive the $100 in your saving account within 120 days. No hard pulls reported for opening an account at Lasalle bank. (hard pull and soft pull)

Since Lasalle bank has been acquired by Bank of America, you’re qualified for the famous “keep the change” program provided by Bank of America. See the details about keep the change at Lassalle Bank website. In other words, you can potentially get another $250 bonus for opening a account with Lasalle bank. So, over all, you can get $350 from Lasalle! What a great deal! No direct deposit needed to play the game with Lasalle, all you need to do it to keep the minimum balance to avoid fees from saving account.

If you don’t know how to play “keep the change“, you can refer to “BOA Keep The Change“.

This is a new promotion from Wachovia at Florida (not available nationally). According to the advertisement, you have to sign up their free checking account with a minimum initial deposit of $100 by 04/15/2008. There is no direct deposit or minimum balance requirement. (What a sweet deal!) The location of this Veranda Falls Financial Center is: 900 SE BECKER ROAD (772-878-9193). You will receive your $75 visa gift card within 45 days by mail. You can see the advertisement here.

If you have a friend who has already had an account with Wachovia, you can stack this $25 referral coupon with this $75 bonus. This will give you $100 bonus without direct deposit requirement.

I have a post about $50 bonus from Wachoiva last year which is nationally available and without direct deposit requirement. (click here to see)

According to my “hard pull and soft pull“, a hard inquiry may hit your credit report.

Just got an email from ING Direct which is saying ” Enter the $60,000 Automatic Saver Sweepstakes”.

How to enter this sweepstakes?

In order to enter the sweepstakes, you have to either or set up Automatic Savings Plan or direct deposit of at least $100 per month into your ING Orange Saving Account or Electronic Orange Checking Account.

What can you win at this sweepstakes?

Grand prize of $30,000 or one of five $1,000 each month to be paid to your Orange Saving Account or Electronic Orange Account.

I would suggest you guys to do automatic savings plan which I’m using currently. The process is quite simple. Under “Transfer Money” tab, you can see “Bank Account to Bank Account Transfer”. You can set the amount you’d like to transfer from the banking account you’re using now to ING account. The frequency can be set as “Weekly”, “Biweekly”, “Monthly” or “Fifteenth and End of Month”. In this way, you don’t bother to manually transfer your free money from 0 interest checking account to this high interest saving account. It’s all depend on yourself. You can change the amount and frequency at any time. Smartly use the ” Automatic Savings Plan” and take the chance to win $30,000!

This seems a similar offer like Obopay which is offering $10. However, this company offers more than Obopay. If you sign up now at Revolution Money Exchange, you can get $25 for just signing up! Revolution Money Exchange is a new online money transfer business.

# FREE to register for an account ($25 bonus)
# FREE to add money to your bank account
# FREE to send money
# FREE to receive money
# FREE to request money
# FREE to transfer money to your bank account

It’s the same thing paypal did when they first started their business. However, their money transfer and payment may bot be so popular as paypal right now. (But who knows what will happen in the next following years.) Here are couple of things to know before you decide to open an account there or not.

Need SSN to verify your identity, but no hard credit inquiry. Funding source can only be bank account, and you can only transfer your money to bank account online for free. If you request a check issued to you, you have to pay money. There is a $10 referral bonus for you, if you refer a friend to open an account there. The account is FDIC secured (account issued by First Bank & Trust, Brookings, SD.)

To register please, click here.

To learn more about Revolution Money Exchange, click here. They are still under development, but I believe they will succeed.