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HSBC and Best Buy
Besy Buy's credit card is thru HSBC, which may be part of the reason why they are requiring a Best Buy credit card.
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HSBC's website is not user-friendly at all. I feel very disappointed. Maybe I'm spoiled by the nice look of ING direct. But HSBC's website is just junky looking and on top of that they tried to withdraw the money from my account before it was even in there. (I scheduled a withdrawal to be taken out in about a week). Now I have an NSF fee..which I am counting on HSBC to give me back. The extra interest really doesn't seem worth the hassle....
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$25 Promo and $10 Referral bonus
ING has a promo on now where if you are referred by a current member you recieve $25 for opening an account with a minimum of $250 and the referrer get $10. Easy to open the acct and the interest rate is 4.50% currently. There are banks offering higher interest rates, but for this small deposit and the $25 promo this is hard to beat.
4.5% APY + $10 referrer bonus = 8.5% APY effectively (on $250 deposit). 4.5% APY + $25 referred bonus (on a $250 initial deposit) = 14.5% APY effectively! I've had an account with ING for quite a while and have been very satisfied with it. No fees, funding is through linking your account to your existing bank (up to 3 accounts). You will see the $25 in your account in about 30 days so you need to leave the account open until then. It takes a $1 balance to leave the account open. 4.5% APY + $10 referrer bonus = 8.5% APY effectively (on $250 deposit). 4.5% APY + $25 referred bonus (on a $250 initial deposit) = 14.5% APY effectively! I would happily refer you if you would like to join. Please PM me your First and Last Name and email address and then you will get an email with the link to join. One referral per email address. There is a limit of 25 referrals per member so others may wish to list their availability to refer as well. I joined by being referred by another Flyer Talker and appreciated it. I did a cursory search for other promos for ING and did not find any. Frenchie Flyer |
ING is also offering 12 mo. CDs at 5.10%...not the highest, but not too bad, and I've been exceptionally happy with their customer service. Jean
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