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I recently opened an account at the grocery store branch, where they were offering a 100.00-dollar bonus for starting the account. That was great but what I really like is the very short lines and excellent service. They have this very small branch well staffed. I shop on Sundays often and they are open, which is a great service for me. I did get the free checking account with no monthly balance to maintain, and a fee debit card. This bank really works for me.
Started with Triple A a long time ago, with their great road service and then decided to switch my auto insurance over to them from one of the major companys. I am saving a bit on the premium, and they have the same great attitude and good customer service I became used to with their road service. For me its about convenience, and they excel at that. Triple A is just very easy to deal with as far as getting quotes and essential documents. Great web site too.
Excellent personalised loan service is what you would expect from this very long established company. And thats what you basicly get. I found the employess here really care about making sure you understand the information you need to bring to them, to make the loan happen on time. They helped me through each step of the process. Their loan rates are very competitive being a credit union and they gave me the right loan product for my purchase. Very good bank!
Started an account on line recently to qualify for their 150.00 dollar bonus. It called for a 500.00 dollar direct deposit to get the deal. They paid the 150.00 as an account credit with 3 weeks of my deposit, which I was pleased with. Setting up the online account was very easy and I do like their web site, which is very clear to read. One great thing about this bank is that they have a 24-hour forgiveness if you overdraw. I overdrew and was trying to get funds frantically into the account when I read this and was able to relax and not worry. Pin and debit card came in the mail in a timely manor too. Decent bank to use online.
This bank would be a great bank if it were not for a very terrible customer service department when you call in on there 800 number. Very unskilled and not at all knowledgeable representatives, that repeatedly ask for the same information, and then when you give it to them they ask for more before they will help you. Then it seems like they are unwilling to solve your problems. Also the web page is not up to par with other checking account web sites.It constanly asks for your zip code when trying to log in. That happens while you are trying to enter your user ID. All in all this just gives me a bad feeling about a company when I cannot get treated with respect when I call in and they put little thought into their web design.
There web page used to allow making policy changes on line. Now it does not. It shows your details but will not let you change anything at all. Customer Service hours are old school and not 24/7 which is a big problem if you need to talk with someone at a late hour. Price and cost of insurance is normal and billing is on line, and you do get a small discount of 10 percent if you bundle your home with you auto. I give two stars due to the inability to make policy changes on line and the limited hours of operation with customer service.
With selling real estate, there is a tax called the transferee tax that is imposed on either the buyer or the seller or both at the real estate closing. This tax is charged to the real estate transaction any time there is a legal need to transferee title. This is an unavoidable fact of life when planning to buy or sell real property.
This transferee tax can be imposed by state of even county municipalities as due upon transfer of deed.
Usually transferee taxes are based on standard amounts per dollar in according to the sale at hand. Normally the tax rate will vary depending on what state and what county within that state that the property is being sold.
Some states will split the tax between state and local municipalities, although there are some exceptions such as California, where it is only a county tax burden and the state imposes no tax.
As far as who pays the tax, it is normally based on what's been done in the past. It seems to have its roots in tradition, with no clear mandate on the buyer or seller. That is why is can become a very important negotiating point in a real estate sale.
And example is in North Carolina, where it is customary there for the seller to pay the tax.
Now Transferee rates can vary from state to state and are based on a standard rate (for example in Ca you might pay in some counties 1.10 per 1000 dollars) while in another California country the tax is 1.00 per 1000.
Another example is Delaware where there is a, 2% tax on value of property unless there is also a local transfer tax; then the maximum rate is 1.5%. In Arizona there is just a flat fee of 2.00 per deed.
In parts of the county where it is less affluent the tax rate may be rated more inexpensively to reflect the area values.
The real estate transferee tax, no matter who must pay, must be paid at the real estate closing. This fee will show up on residential real estate closing transactions on the HUD settlement form. This is not to be confused with capital gains tax related to a sale of real property that unlike being due at the real estate closing is always due at the time you must file you yearly tax.All in all it is just another tax that must be paid when buying or selling real estate.