+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
Absolutely the best. When I looked for a new bank, I searched everywhere for the best deal. For me a bank should be 100% free AND pay me for leaving my money in the account. Alliant does all that with an excellent customer service. Plus, I really like that it is a union and not some big corporation trying to milk us all. Great place to bank! ( only the application process can be a little troublesome, as you are supposed to be "eligible". Everybody can become "eligible", but it takes some research and effort..)
Charles Schwab offers the best service for investors, reliable, personalized and secured. That is the main reason why I am banking with them. However, the rates they offer on the saving account are simply not worth it, so I use it mainly as a place to keep funds temporarily. I would not recommend this saving account if you intend to actually save anything, but again, I would not recommend any saving account: all of them are below inflation rate, which means you aren't saving a thing, you are losing money. Anyways: Charles Schwab, awesome bank. Charles Schwab saving account: nothing special, really.
Lowe's credit card was a disappointment. At first I was all happy about the 5% discount, until I realized that prices are anyways higher by at least 5% when compared to my local Home Depot. I mean, the card itself is good, but not good enough to make me shop at Lowe's. I keep it for when I basically don't have a choice, but I am not impressed. It does make returns easier and no need to keep the receipt, so there is that.
Let me start this review with a statement: I have never ever paid a bank fee, and never will. This said, Alliant Credit Union does a lot more than just free banking for me: it pays me for banking there. A step further than free banking, finding a bank that pays a decent interest rate on your checking balance can be quite challenging. Most of them charge you, some don't, and a few pay peanuts. However, some hidden gem do pay well. Simply put, Alliant is the best paying one that: 1 - is open to EVERYBODY ( you don't need the usual crap of positive discrimination requirements like your grandmother to be a lesbian firefighter or your father to be an amputee veteran). and 2- is STRAIGHTFORWARD with fees, interest rates paid to you, and other conditions. Most other unions and or/banks will lure you with a bait interest rate that will apply only for a certain time (usually 3 months) or a certain amount (usually south of $20,000) which, once you do the maths, ends up not being so great at all. Alliant credit union is FREE no matter what (no annual fee, no direct deposit, no minimum balance, no crap). They WELCOME YOU no matter what (we got a nice free $$$ for joining and on top of that pretty much anybody can join) and they PAY YOU no matter what (no minimum or maximum balance, no interest rate change after a certain time or certain amount). That is my kind of credit union. Oh, AND: - they offer free check AND CASH deposit in pretty much any ATM, which is as useful as it is unusual for banks offering the kind of perks Alliant does offer. - they have plenty of other products attractively priced (loans, etc.) The only thing I haven't been fond of so far is that some representatives seem to be a little lost when talking to them on the phone. But still, I never had a problem and always ended up getting my answers. How traditional robbers, pardon me, banks, still manage to retain customers is a mystery to me.
A great card if you are shopping at target regularly. However, I found myself using this store card very, very little, as I am not really a frequent Target shopper. Where this card shines is online, where it still allows for a 5% discount on top of free shipping. But again, I don't happen to use it very often, mostly because I usually can find better prices elsewhere online, even including the 5%. Bottom line: if you shop at Target, get it. If you don't, it isn't a good enough reason to switch to Target in my opinion.
That's a pretty good reward card! I only get cards with 0% APR for a while and no annual fees. This one fits the bill pretty well (15 months 0% is quite good) and the 3% on groceries is a real plus, as this is where most people spend their money anyways. However, I regret the limit ($6000 in purchases for a year, that isn't much) that I find quite low. The initial cash bonus ($100) isn't that great either. Overall, a good addition in the no annual fee/ 0% APR category.