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It's also for that reason that the best savings account bonuses are typically smaller than checking account offerings. How bank account bonuses workEarning a bank account bonus is typically a straightforward process. Benefits of bank account bonusesYou can earn a cash bonus when you open a bank account just by completing the bank's promotional requirements. How to maximize the value of bank account bonusesYour greatest risk of not earning a bank bonus is misunderstanding the conditions set by the bank. Common Bank Account Bonus FAQsWhat should I look for in a bank account bonus offer?

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☆ A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home. Here’s her warning
▼ + stars: | 2024-07-23 | by ( Hugh Son | ) www.cnbc.com time to read: +7 min

Real estate, with its large transaction sizes and frequent use of wire transfers, has proven to be an especially lucrative target for criminals. In early July, Robillard told CNBC she had no idea whether she would ever see her money again. Courtesy: Rana RobillardRobillard says she decided to publicize her story to boost awareness of real estate wire fraud, besides being a last-ditch attempt at getting her money back. "This is not what I thought my public representation would look like, which is that I've lost all this money," Robillard said. While Martinez, California-based Compass Mortgage denies being hacked, it acknowledged that the email with wire directions wasn't from them, according to Robillard.

Persons: Rana Robillard, she'd, Robillard, HackerOne, Fraudsters, Naftali Harris, Harris, Charles Schwab, she's, —, Robillard Robillard, I've, it's, should've, Kristy Aichinger, Aichinger, Kent Donahue, Donahue didn't Organizations: JPMorgan Chase, CNBC, Citigroup, Ally Bank, San, FBI, JPMorgan, Federal Trade Commission, Consumer Financial, Bureau, Chase, FTC, OS National, Opendoor, Robillard, Compass Mortgage Advisors, Mortgage Locations: Oakland, Orinda ,, California, Orinda, San Francisco, Real, Martinez

Typically if one bank account owner dies, the surviving owner gets sole control of the account. IntroductionOpening a joint bank account is different from opening up an individual bank account. Both owners have full access to a bank account, and joint bank account rules also dictate specific actions if one owner dies. Rights of survivorshipWhen you're opening up a new bank account, you'll receive a bank account agreement that lists the bank's conditions and rules. A joint bank account beneficiary can't set up direct deposits, make withdrawals, or view your bank account when you're alive.

Persons: you'll, Sophia Bera Daigle, —, Bera Daigle, Bera Daigle doesn't, there's Organizations: Gen, Insurance

$0How Navy Federal Credit Union bank accounts compare Navy Federal Credit Union Share Savings AccountNavy Federal Free Active Duty Checking™ AccountNavy Federal Credit Union Standard CertificateNavy Federal Credit Union Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 0.00% to 1.50% Start saving Navy Federal Credit Union, NCUA Insured Start banking NFCU, Member NCUA Start saving NFCU, NCUA Insured Start banking Navy Federal Credit Union, NCUA insured. About Navy Federal Credit UnionNavy Federal Credit Union has 354 branches around the world, including ones on some military bases. How to Join Navy Federal Credit UnionNavy Federal is a credit union for people associated with the military. How Navy Federal Credit Union ComparesNavy Federal Credit Union vs. Pentagon Federal Credit UnionNavy Federal has several types of checking accounts, so you may find one that's a good fit.

Persons: you'll, You'll, USAA Organizations: Navy Federal Credit Union, Military, Target, Walmart, Federal Credit Union, Savings, Navy, Free, Credit, Credit Union, Market, Federal Credit, Navy Federal, Department of Defense, Federal Free, Navy Federal Credit, . Navy Federal Credit, Federal, Navy Federal Credit Union Navy Federal Credit Union, Apple, Google, Navy Federal Credit Union Navy Federal, Air Force, Army, Coast Guard, Marine Corps, National Guard, ROTC, Better Business, BBB, CNN, . Pentagon Federal Credit Union Navy Federal, Pentagon Federal Credit Union, PenFed, USAA Bank Navy Federal, USAA Locations: Chevron, annuitants

☆ Aussie, kiwi dollars struggle on China's rate cuts; dollar adrift
▼ + stars: | 2024-07-23 | by ( Rae Wee | ) www.reuters.com time to read: +3 min

Australian dollars are seen in an illustration photo February 8, 2018. The two Antipodean currencies, often used as liquid proxies for the Chinese yuan, were flat after slumping in the previous session in the wake of the news. The Australian dollar was trading at $0.6643 early on Tuesday and the New Zealand dollar dipped 0.01% to $0.5979. In the broader market, currency moves were subdued as traders looked to central bank meetings in the U.S. and Japan next week. In cryptocurrencies, bitcoin fell 0.7% to $67,665, retreating from an over one-month top hit in the previous session.

Persons: Daniel Munoz, China's, Rodrigo Catril, Joe Biden's, NAB's, bitcoin, Rae Wee, Stephen Coates Organizations: REUTERS, New, New Zealand, National Australia Bank, NAB, Trump, U.S, Treasury, Thomson Locations: SINGAPORE, New Zealand, China, U.S, Japan

Stay on top of your cards and consider using budgeting apps to help avoid debit card denial. On the bright side, the reason for a denied debit card purchase may have a simple solution. Here are the most common reasons your debit card may be declined and tips on fixing your debit card dilemmas. Your new debit card isn't activatedIf you've just started using a new debit card because your old one expired, it may not be activated yet. How to resolve and prevent debit card denialMonitor your account balanceIf the issue is insufficient funds in the account tied to your debit card, transfer money to the correct bank account to keep you from overdrawing.

Persons: Brian Walsh, You've, you've, you'll, Walsh Organizations: Walsh

☆ Lawmakers introduce bipartisan bill aiming to crack down on drug middlemen as scrutiny ramps up
▼ + stars: | 2024-07-23 | by ( Annika Kim Constantino | ) www.cnbc.com time to read: +2 min

Bipartisan lawmakers introduced a new bill on Tuesday that aims to crack down on the business practices of drug supply chain middlemen who are widely accused of inflating prescription medication prices and harming U.S. patients and pharmacies. The legislation aims to ensure community pharmacies can provide care to patients enrolled in federal health-care programs while being reimbursed "fairly and transparently" by so-called pharmacy benefit managers, or PBMs. Those middlemen also create lists of medications, also known as formularies, that are covered by insurance and reimburse pharmacies for prescriptions. Auchincloss said those practices have allowed PBMs to trap $300 billion in revenue in the middle of the drug supply chain between manufacturers and patients. Legislation targeting PBMs advanced through House and Senate committees with bipartisan support last year, and one proposal overwhelmingly passed the House in December.

Persons: Jake Auchincloss, Diana Harshbarger, Auchincloss, Biden Organizations: Medicare, CVS, PBMs, House, Federal Trade Commission, CNBC

You'll receive a notice from your bank when your CD maturity date is approaching. We'll explain the CD maturity process and what to do when a term ends so you know your options. What happens at CD maturityWhen a CD reaches maturity, that means your term is about to end. What the CD grace period meansFinancial institutions will specify in the bank account agreement a grace period to make changes to your account. The most common CD maturity dates range from six months to five years after you open an account.

Persons: You'll, Banks, you've, Marcus, you'll, Alvin Carlos, Carlos Organizations: Alliant, of America, Bethpage Federal, Chase, Citi, Federal Credit, PNC, Federal, Savings, Synchrony, Truist, CFA, District Capital Management, Governors, Federal Reserve, Bank Locations: Bethpage, Wells Fargo

Compare First National Bank of America accounts First National Bank of America Statement Savings AccountFirst National Bank of America Personal Checking AccountFirst National Bank of America CDFirst National Bank of America HomeTowne Checking Money Market Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. First National Bank of America FAQsIs First National Bank of America legit? Methodology: How We Reviewed First National Bank of AmericaFor our First National Bank of America review, we used our bank account methodology to determine ratings. How First National Bank of America ComparesFirst National Bank of America vs. Huntington BankIf you're looking for a competitive interest rate on a CD, First National Bank of America is likely a better fit. First National Bank of America vs. ChaseIf you're looking for a competitive interest rate on a CD, First National Bank of America is likely more suitable than Chase.

Persons: Huntington, Chase Organizations: National Bank of America, Bank of America, FDIC, Apple, Google, Better, First National Bank of America, Huntington Bank Locations: Michigan, Chevron, East Lansing, Grand Rapids, Traverse City, Traverse, Lansing , Grand Rapids, Traverse City , Michigan, It's

Delta Gold Card OverviewThe Delta SkyMiles® Gold American Express Card is great for infrequent Delta flyers who often check luggage when traveling. Delta Gold Card Benefits and FeaturesThe Delta SkyMiles® Gold American Express Card offers a wide variety of benefits when you fly Delta or use the card for travel and shopping. As with most other cards, there are fees for other activities, including:Cash advance feeLate payment feeReturned payment feeCompare the Delta Gold CardDelta SkyMiles® Platinum American Express Card vs. Delta SkyMiles® Gold American Express CardThe Delta SkyMiles® Platinum American Express Card is a step up from the Delta Gold card. Delta SkyMiles® Reserve American Express Card vs. Delta SkyMiles® Gold American Express CardThe Delta SkyMiles® Reserve American Express Card is Delta's premium-tier credit card, with a sky-high annual fee of $650 to match. Delta Gold Card Frequently Asked QuestionsWhat does Delta Gold Card get you?

Persons: Doesn't, stow, Miles, Finance Insider's, aren't, Cardholders, cardholders, Reserve cardholders Organizations: Delta, Express Card, U.S, U.S . Supermarkets, PayPal, Amex, Delta SkyMiles ®, American Express, American, Finance, Delta Sky Club, Air France, KLM, Virgin Atlantic, —, Credit, Express, Global, TSA, SkyMiles ®, ®, Reserve, American Express Card Locations: delta.com, Delta, Mexico, Caribbean, Chevron

☆ How down payment assistance programs can help clear the path to homeownership
▼ + stars: | 2024-07-23 | by ( Genna Contino | ) www.cnbc.com time to read: +3 min

Two renters pose in front of their new home that they're renting from Roots, a program that helps renters invest in real estate. Then Hunnicutt found a $1,050-per-month two-bedroom apartment tied to Roots, a real estate investment trust based in the Atlanta area that aims to help renters of the properties in its portfolio build wealth toward homeownership. Will Hunnicutt with his dog Bailey in his Atlanta home that he rented through Roots, a company that helps renters build wealth by investing in real estate. As buyers continue to struggle with home affordability, experts say programs that help with down payments may be worth another look. One barrier toward homeownership is having enough savings for a down payment.

Persons: Katie Curran, Will Hunnicutt, Hunnicutt, Bailey, It's, They're, homebuyer Organizations: CNBC, SurveyMonkey, National Association of Realtors, PMI, Mortgage Locations: Atlanta, U.S

While the Avios you'll earn from the Aer Lingus Visa Signature® Card card will get credited to your Aer Lingus account, you won't be restricted to redeeming only on Aer Lingus flights. Together with the British Airways Visa Signature® Card and Iberia Visa Signature® Card, the Aer Lingus Visa Signature® Card is one of three Avios-earning airline credit cards from Chase. Aer Lingus Credit Card RewardsAer Lingus Credit Card bonusThe welcome bonus offer on the Aer Lingus Visa Signature® Card is 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening. Aer Lingus Credit Card Signature Benefits and FeaturesThe Aer Lingus Visa Signature® Card comes with perks you can use when you fly Aer Lingus, as well as other travel and shopping benefits. Methodology: How we reviewed the Aer Lingus Visa Signature CardBusiness Insider's credit card experts reviewed the Aer Lingus Visa Signature® Card relative to competing airline and travel credit cards that charge a similar annual fee.

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Bank of America Customized Cash Rewards Credit Card OverviewThe Customized Cash Rewards Credit Card for Students' long 0% introductory APR is a standout addition to a card that also offers a welcome bonus and ongoing rewards. If your credit falls short, consider other options like a secured credit card or a starter credit card that gives you a better shot at approval. Bank of America Customized Cash for Students RewardsStudent and no-fee credit cards don't always come with welcome bonuses or earn rewards for ongoing spending, but the Customized Cash Rewards Credit Card for Students offers both. Bank of America Customized Cash Rewards for Students Benefits and FeaturesThe Customized Cash Rewards Credit Card for Students doesn't come with luxury benefits like airline and hotel status or expedited airport security. Compare the Bank of America Customized Cash Rewards for StudentsWe compared the Customized Cash Rewards Credit Card for Students with two other popular student credit cards.

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A kids' bank account is a type of joint bank account where an adult and a minor both have access. Types of bank accounts for minorsThere are two primary joint bank account options: kids' savings accounts and teens' checking accounts. Depending on where you bank, you may need to open a traditional savings account or a specialized bank account tailored to children. A custodial bank account is not the same as a traditional kids' bank account. Some national banks permit online applications when opening a bank account on behalf of a minor, but many require opening a minor's first bank account at a physical branch.

Persons: Elaine King, King, Banks Organizations: CFP, Family, Social Locations: Chevron

It offers two savings accounts: Capital One 360 Performance Savings, which is a general account, and the Capital One 360 Kids Savings Account, which is a more specialized savings account for kids that parents can open. Capital One 360 Kids Savings Account interest rates are significantly lower than Capital One 360 Performance Savings's rates. Capital One Savings RatesThe Capital One 360 Performance Savings account pays 4.25% APY (Annual Percentage Yield) on all account balances. Understanding Capital One Savings Account Fees and ChargesCapital One 360 Performance Savings doesn't come with a lot of fees. Capital One offers two types of savings accounts: the Capital One 360 Performance Savings, a general account with a good interest rate, and the Capital One 360 Kids Savings Account, an account designed for parents who want to open a savings account for their child.

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There are several different types of banks, such as traditional brick-and-mortar banks, online banks, and smaller, local banks. This means that credit unions are more likely to offer good rates than banks, although depending on your local credit union, the best banks might offer better rates. While individual credit unions won't necessarily offer everything a large bank does, credit unions can offer everything from CDs to car loans to safety deposit boxes. Banks vs. Credit Unions FAQsCan anyone become a part of a credit union? Yes, you can get different types of loans, including mortgages, car loans, and lines of credit at credit unions.

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You can keep money in a bank account during a recession and it will be safe through FDIC and NCUA deposit insurance. Up to $250,000 is secure in individual bank accounts and $500,000 is safe in joint bank accounts. If you're concerned about whether money is safe in a bank during a recession, there's good news — your money will be likely secure in a bank account. Savings accounts, checking accounts, money market accounts, and CDs are examples of federally insured bank accounts. Up to $250,000 is secure in individual bank accounts, and $250,000 is protected per owner in joint bank accounts.

Persons: they're, Jeffrey Miron, Miron, Charles Calomiris, Maggie Gomez, Maggie, Gomez, You'll, Banks Organizations: FDIC, Pew Research, Federal Deposit Insurance Corporation, Harvard University, Columbia Business School, National Credit Union Administration, Bank, doesn't Locations: U.S, United States, Chevron

CD rates on terms of 12 months or less are currently higher than most longer-term CD rates. Opening a certificate of deposit (CD) can be a solid way to lock in predictable growth on your savings. This list specifically includes terms of 12 months or less because short-term CD rates are currently higher than long-term CD rates. 5% interest CD FAQsCan I easily find CDs offering 5% interest? Do all 5% interest CDs have high minimum deposits?

Organizations: Federal Deposit Insurance Corporation, Federal Reserve, Federal Locations: U.S, Chevron

And don't worry if you aren't eligible — the best CD rates nationwide are still well above 5% APY. The credit union is offering an 8-month CD special paying 6.00% APY to new members (one CD per new member only). Where to find the best CD rates for a high APYOnline banks and credit unions with high-yield CDsTraditional brick-and-mortar banks tend to offer the lowest rates, on average, on CDs and savings accounts. Important factors to consider for high APY CDsHigh CD interest rates may draw you to one particular CD offering, but there are a few important factors to consider before opening the account. If you suspect rates may rise in the future, consider implementing a CD ladder strategy or exploring alternative CD options, such as a bump-up CD or a step-up CD, which have built-in rate increases.

Persons: isn't, you'll Organizations: California Coast Credit Union, Partners Credit Union, Financial Partners Credit Union Locations: California, San Diego, Riverside, Southern California, Los Angeles County, Orange County, Riverside County, San Diego County, San Francisco, Alameda , California, Chevron

☆ Philadelphia is experimenting with guaranteed income pilots for pregnant people and housing insecure families
▼ + stars: | 2024-07-23 | by ( Allie Kelly | ) www.businessinsider.com time to read: +7 min

Read previewPhiladelphia has joined the national guaranteed basic income wave — with a focus on pregnant people and families experiencing housing insecurity. AdvertisementPhilly Joy Bank hopes to improve birth outcomesThe Philly Joy Bank pilot will offer $1,000 a month for 18 months to pregnant people beginning in their second trimester. It is a partnership between the Philadelphia Department of Public Health and the Philadelphia City Fund — with funding coming from the city and various foundations. Guaranteed income programs like Philly Joy Bank "should be the standard, not the exception," Coaxum said. Participants will pay about 30% of their personal monthly income toward housing, then they will receive guaranteed income to cover any remaining balance.

Persons: —, ALICE, Nia Coaxum, It's, Coaxum, Dawn Benson, Benson, Noah Sheidlower Organizations: Service, Philly Joy Bank, Business, Nonprofit United, Philly, Bank, Health, Philadelphia Department of Public Health, Denver, Philadelphia Community Action, Philadelphia City Fund, Children's Hospital of Philadelphia, city's Department of Public Health, Philadelphia Housing Development Corporation, University of Pennsylvania, BI Locations: Philadelphia, Pennsylvania, America, Area, Chicago, San Antonio , New York City, Tioga, Cobbs

☆ Ether ETFs launch may pale in comparison to debut of bitcoin funds, investors say
▼ + stars: | 2024-07-23 | by ( Tanaya Macheel | ) www.cnbc.com time to read: +2 min

Tuesday's debut of exchange-traded funds that hold ether is widely seen as a significant event for the crypto industry, although it may not see the success or fanfare that bitcoin ETFs did earlier this year. The ether ETFs come about six months after the launch of bitcoin ETFs , which saw some of the most successful debuts in the industry's history. And so the question is how much impact on price is really going to have?" Mike Novogratz, CEO of Galaxy Digital, whose Invesco Galaxy Ethereum ETF (QETH) began trading Tuesday, agreed ether ETF flows could be small compared to bitcoin funds'. "We think it'll be about 20% as many flows [that] will go into the ether ETF in the first six months that went into bitcoin [ETFs]," he said in a separate "Squawk Box" interview.

Persons: Anthony Pompliano, CNBC's, We've, Pompliano, Mike Novogratz, —, Jesse Pound Organizations: Professional Capital Management, Galaxy Digital, Ethereum

☆ Plum, a fintech using AI for money management, just raised a $17.3 million Series B using this 16-slide pitch deck
▼ + stars: | 2024-07-23 | by ( Callum Burroughs | ) www.businessinsider.com time to read: +1 min

Plum raises $17.3 million in Series B funding to expand fintech services. Founded in 2017, Plum offers AI-automated saving, bill switching, and investment tools. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . AdvertisementPlum, a British fintech startup has raised $17.3 million in Series B funding. Founded in 2017 by Victor Trokoudes, who previously worked at listed fintech Wise, London-based Plum offers AI-automated services like saving, bill switching, and investments directly to users' existing bank accounts.

Persons: Plum, —, Victor Trokoudes, fintech Wise, Eurobank Organizations: Eurobank, Service, Business Locations: Greece, British, London, Europe, Plum

Bank of America Unlimited Cash Rewards Credit Card for Students OverviewIf you prefer a credit card with a simple rewards structure over one that maximizes your return on spending, then the Unlimited Cash Rewards Credit Card for Students is a good fit. If your credit falls short, consider other options like a secured credit card or a starter credit card that gives you a better shot at approval. Bank of America Unlimited Cash Rewards for Students Benefits and FeaturesLike most student credit cards, the Unlimited Cash Rewards Credit Card for Students doesn't come with high-value benefits like travel insurance or airport lounge access. Bank of America Unlimited Cash Rewards for Students Annual Fee and Other CostsThe Unlimited Cash Rewards Credit Card for Students has no annual fee, but it does impose several other fees. Methodology: How We Reviewed the Bank of America Unlimited Cash Rewards for StudentsWe compared the Bank of America Unlimited Cash Rewards Credit Card for Students to similar student and 0% APR credit cards from Bank of America and other card issuers, and evaluated several factors, including:Rewards earning potential — Does the card earn rewards at competitive rates?

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Credit Karma Savings Account FeaturesCurrent Credit Karma Savings Rate and How It ComparesThe Credit Karma Savings interest rate is significantly higher than the average savings account interest rate of 0.45% APY. How Credit Karma Savings WorksOpening a Credit Karma Savings AccountCredit Karma works as an online-only platform, so you'll need to open a savings account using its website or app. For customer support, Credit Karma offers both a phone line and a live chat for Credit Karma Money account holders. Credit Karma Savings Account FAQsIs Credit Karma savings a good idea? Yes, Credit Karma offers the Credit Karma Money Save Account, which is a high-yield savings account paying 5.10% APY.

Persons: It's, Karma, You'll, haven't, Ally, Synchrony Organizations: Credit, Karma, Social, Karma Savings, Credit Karma, Google, Apple, Better, MVB Bank, Intuit, Better Business, BBB, Federal Trade Commission, FTC, Ally Bank, Synchrony, Business Locations: Chevron

Involuntary bank account closures often occur when a financial institution detects unusual activity in a bank account — or there's no activity at all. Immediate steps to takeBelow, are two immediate steps to take if handling an unexpected bank account closure. Be sure to redirect your paychecks to a different bank account and stop any recurring deposits or online bill payments connected to the closed account. Preventing future account closuresOnce a bank account is closed, it usually can't be reopened. Involuntary bank account closure FAQsWhy would a bank close my account?

Persons: Banks Organizations: Consumer Financial Protection Bureau, Bank

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