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Https www discover com online banking checking


https www discover com online banking checking

Discover offers reward credit cards, online banking, home equity loans, student loans and personal loans. Need to deposit a check? Send money to a friend? Pay your bills on time? Explore additional account solutions? Our secure digital banking tools make. Discover Bank is an online bank with great savings and CD rates, an extensive network of free ATMs, and a free checking account that pays rewards.

: Https www discover com online banking checking

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Https www discover com online banking checking
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For most people, a checking account is the center of their financial life. At Howard Bank, we combine flexible checking account options with the kind of personalized service that’s hard to find at bigger banks. We also offer accounts that provide money-saving benefits on the things you're already paying for. See an overview of each account below or download our comparison chart (mobile-friendly) here.

Find the account that's right for you

Extra+

 Extra

Essential

Anywhere Banking Tools

Visa® Debit Card, Online Banking, Mobile Banking, and more

Nationwide ATM Access

Access to over 37, surcharge-free ATMs

Roadside Assistance

Available 24/7 and free to use, up to $80 in covered service charges

Health Savings Card

Save money on prescriptions, eye exams, and more

Cell Phone Protection1,2

Receive up to $ per claim if your cell phone is broken or stolen

ID Theft Aid1,2

Includes $2, in personal identity theft benefit and identity restoration

$10, Travel Accidental Death Coverage2

Peace of mind for the unexpected

Local & National Discounts*

Save money with discounts and deals on shopping, travel, dinking, and more

Buyer's Protection & Extended Warranty1,2
For replacements, repairs, or reimbursements on purchases made with your Howard Bank checking account

Interest-Earning

Earn more with our competitive interest rates

Monthly Service Charge

Amount varies between accounts

Ability to Reduce or Avoid Monthly Service Charge

Accounts provide options for reducing or avoiding the monthly service charge

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Welcome to Community Bank of the Bay

young woman passing a credit card

Banking on a Better Future

Since , our mission has been to empower and strengthen our entire community. That’s why we became California’s first Community Development Financial Institution (CDFI). We take social responsibility to heart.

Experience the CBB difference

Environmental Impact

Do you ever wonder what big banks do with your money? Through our award-winning Bay Area Green Fund, you can rest easy knowing that Community Bank of the Bay only uses the money in your bank account to support businesses and projects that make an environmental difference.

Learn more about opening a Green Fund Checking or Savings Account

Vibrant Communities

As a CDFI, we’re dedicated to creating equal opportunity in the Bay Area by serving all of our diverse community members, including small- and medium-sized businesses, local nonprofits, labor unions, and creative professionals. When things get tough here, we double down to make a difference. When things are thriving, we all succeed.

See what it means to bank with a CDFI

Rewarding Partnerships

We build custom financial solutions for businesses that may have been turned down by other banks. We’ll listen to your story, provide straightforward answers, and help you craft a plan to achieve your long-term goals — no matter where you stand today.

Experience the CBB difference
  • YELP Review: Community Bank of the Bay is the best! It is my bank and I love it. I have been banking with them since CBB excels in the quality of care and support every customer receives AND they support the community not-for-profits &#; giving back to the East Bay &#; giving where we live! Local, Professional, experienced. I am glad I switched.

    Cherie C.

  • YELP Review: What a great bank, very customer focused, service driven. They provide excellent service to our business and personal accounts. They work with our business to find solutions. It is great to hear more from a bank than just NO!! It is the kind of service big banks refuse to deliver. I am extremely happy with them and their committment to the Oakland community.

    Clinton K.

Bill Keller, President and CEO, Community Bank of the Bay

Banking on Shared Values

Go Green by Banking Green

Reduce emissions. Protect natural resources. Support sustainable communities. That’s the mission of the Bay Area Green Fund, where you can invest in the future you believe in—simply by keeping your money in an account where it will stay green.

Our fund currently has over

We've loaned over

Percentage invested in Green projects

%

See how the Green Fund works

CLIENT SPOTLIGHT

Meet Eric

Owner, Gather Restaurant

&#;We found an amazing partner in Community Bank of the Bay, who believed in what we were doing and took the deep dive to help us create this beautiful establishment.&#;

Learn how Gather grew its business

Let your hard-earned revenue work for you

Big banks fund fossil fuel projects. Through the Bay Area Green Fund (BAGF), your deposits can support a support a more environmentally sustainable economy instead.

Partnering for change

CBB is a major investor in social capital and community spirit, because we believe in building an economically inclusive community. We were mission-driven before that was even a trend.

Coliseum Connections logo
Discovery Counseling logo
Rose Foundation logo
North Beach Citizens logo
Riekes Center logo
The Ecology Center logo
See all our partners
Источник: mynewextsetup.us

Online Banking Security Center

When it comes to protecting yourself and your accounts against fraud, it helps to know how to spot it and address it right away. Here are some ways you can stay on the lookout:

Tip 1: Monitor your account

Make it a habit to monitor your deposit account activity regularly. Enrolling in Account Alerts  is one way to do it (see “Activate Account Alerts” in the “What you can do” section ). If you see anything unusual, contact us at as soon as possible. 

Tip 2: Beware of scams

Criminals are getting more sophisticated by the day with scams to fraudulently obtain your personal identification and/or account information. These scams can take many forms, but here are the three most common:  

Phishing emails – These emails appear to be sent from legitimate businesses and try to get you to reply with information, or click on links and/or attachments.

Smishing texts – Similar to phishing emails, criminals send fake texts to trick you into clicking a link to a fraudulent website or into calling them. 

Vishing phone calls – These phone calls and voice messages will attempt to get you to share information over the phone.

The key to avoid falling victim to these scams is patience. Scammers want you to respond without thinking through their request. Before providing information or clicking on any links in an email or text, ask yourself the following questions: 

  • Do I know and trust the sender/caller?
  • Why am I receiving this request?
  • Was I expecting this request?  

If you can’t easily answer these questions, be on the look out for tell-tale signs such as: 

  • An urgent request for personal or financial information
  • Poor grammar, spelling or punctuation
  • A threatening statement or rewarding offer
  • Links or attachments in an email that look questionable or don’t match the context of the message 

When in doubt, don’t respond, click on links or open attachments. Call the business directly using a phone number from their website or other reputable source and ask if the request was from them. 

To stay informed about the latest scams, visit the government’s Scam Alerts website.

If you believe you have received a phishing or fraudulent email that appears to be from us or have interacted with the email and believe your account security has been compromised, please call us at immediately.

Tip 3: Shred confidential documents

Trash cans and dumpsters are favorite hunting grounds for people who want to steal your personal or financial information. To help stay safe, either file away or shred any documents that have sensitive information like account numbers and Social Security numbers. Better yet, avoid the hassle of shredding and sign up for electronic statements.  

Want to go paperless? Take Me There

Tip 4: When you suspect fraud, report it

It is important to act quickly if you suspect fraud. If you believe that your identity or financial information is being used fraudulently, please notify us as soon as possible. In addition, our dedicated fraud specialists proactively monitor your account for unusual activity. If you suspect fraud, please call us at immediately.

If you become a victim of fraud, here are additional contacts you may find helpful:

To report a compromised Social Security number, call the Social Security Administration fraud hotline at  

To report fraud to the Federal Trade Commission, call IDTHEFT () or TTY To report identity theft, you can visit mynewextsetup.us Law enforcement across the country will be able to use this information to help with their investigations.  

You can also file a police report with your local authorities. Your police report will help them gain insight on how the crime was committed.

To help prevent future fraud by placing a fraud alert on your name and identity, contact the credit bureaus:

Источник: mynewextsetup.us

How to Choose a Checking Account Based on 4 Priorities

There's a perfect checking account for everyone. Find yours by evaluating these 4 checking account considerations.

Looking to open a new checking account? Maybe it&#;s time for your very first one as you head off to college. Or maybe you&#;ve reassessed your finances and have decided to move your checking account to a new bank. You could even be content with your current account but interested in adding a new one to the mix to help budget for certain expenses.

Regardless of why you have checking on your mind, there are a lot of considerations for choosing a checking account. While physical convenience—the location of a brick-and-mortar bank and its ATMs—used to be a top priority, online and mobile banking now give you more options than simply whichever bank is down the street. There are also accounts that pay interest on checking balances, those that offer rewards for certain types of transactions and online-only accounts that skip the most common checking account fees.

There are many considerations for choosing a checking account, including fees, incentives, convenience and customer service.

How do I select a checking account when there are so many options out there, you ask? It becomes easier to choose a checking account if you consider the following four factors:

1. Account fees

Even though the money in your account is yours, there could be costs associated with some types of checking accounts in the form of fees.

Comparing fees between banks or types of checking accounts isn&#;t always straightforward, says Jennifer Jackson, a blogger at ADLT , a website that aims to help students and young adults transition into adulthood. Jackson says many of her clients aren&#;t even aware their bank is charging fees. &#;A person may have opened the account with enough money to avoid maintenance or minimum balance fees, but when their balance drops, they don&#;t notice the bank starts charging fees,&#; she says.

When considering different types of checking accounts, do your research to find an account with no hidden fees.

R.J. Weiss, a certified financial planner and blogger at The Ways To Wealth, says it&#;s important to think about how you handle money if fees are one of your considerations for choosing a checking account. &#;If your account balance hovers around zero, you&#;ll want to make sure the bank doesn&#;t charge a minimum balance fee, and you&#;ll want overdraft protection to ensure you&#;re not charged for overdrawing the account,&#; he says. If you like to keep cash on hand and regularly hit the ATM, you&#;ll want to consider checking accounts that give you access to a large network of no-fee ATMs, he adds.

When comparing types of checking accounts, here are some common fees to consider:

  • Monthly fees. The average monthly maintenance fee for a basic checking account from the five largest U.S. banks is $, according to a survey from MyBankTracker, a consumer banking comparison site. Before you choose a checking account, find out whether the bank charges a monthly maintenance fee and if there is specific account activity that could waive the fee.
  • Minimum balance requirement. Some banks charge a fee if your balance falls below a specified minimum. Minimum balance requirements vary by bank, but according to the MyBankTracker survey, you may need to maintain a balance of $1, to $1, at some of the major U.S. banks. When comparing types of checking accounts, look for one with no minimum balance requirement if you tend to keep less than $1, in your account or like to have flexibility when making large withdrawals.
  • Overdraft fee. If you spend more than you have in your checking account, your bank may allow your account balance to go negative, then charge an overdraft fee. According to MyBankTracker, the average overdraft fee at the 10 largest U.S. banks was $ in
  • ATM fees. If you use an out-of-network ATM, you may be charged a fee by both the ATM operator and your own bank. According to a survey from Bankrate, the average out-of-network ATM surcharge was $ in , which can add up if you withdraw cash often.
  • Foreign transaction fees. If you regularly travel internationally, keep in mind that your bank may charge a foreign transaction fee if you use your debit card or withdraw cash from an ATM. A report from MyBankTracker shows that the largest U.S. banks charge a fee between $2 and $5 per foreign transaction and 0% to 3% of the transaction amount for using a foreign ATM.

The average monthly maintenance fee for a basic checking account from the five largest U.S. banks is $

MyBankTracker survey

2. Incentives

Earning money from your bank isn&#;t just for savings accounts. Incentives in the form of earned interest or rewards may be a key consideration for choosing a checking account.

Interest-bearing checking accounts pay interest to the account holder, similar to how interest is earned on a savings account. But that interest rate will vary depending on the type of checking account. According to data from ValuePenguin, the average APY for a checking account at a brick-and-mortar bank was % in , whereas online-only banks offered APYs of % or higher. Before you choose a checking account based on the interest, consider whether your money will sit there long enough to earn it and whether you have to meet a minimum direct deposit or minimum balance requirement each month.

If you have interest covered with your savings accounts, another option when choosing a checking account is to look for a rewards checking account. Discover&#;s checking account, Cashback Debit, lets you earn 1% cash back on up to $3, in debit card purchases each month.1

Get 1% cashback on Debit from Discover. 1% cashback on up to $ in debit card purchases every month. Limitations apply. Excludes Money market mynewextsetup.user Bank,Member mynewextsetup.us More

&#;Anything that gives you perks is nice,&#; Jackson says, &#;but read the fine print.&#; Any rewards you earn can quickly be offset by fees.

3. Convenience

Feel like your calendar is crammed and you&#;ll never get through your to-do list? That&#;s why one of your considerations for choosing a checking account should be online and mobile access. Being able to check your balance, pay bills and make deposits from your computer and on the go from your phone can make managing your checking account as convenient as checking in on social media.

&#;If you deposit a lot of checks, online or mobile deposits can save a lot of time and transportation,&#; Weiss says. &#;We&#;re at an age where there are very few reasons to go into a bank,&#; he adds.

4. Customer service

While technology makes it possible to handle so many banking functions on your own, online or through a mobile app, you&#;ll want customer service to be available when you do need some extra assistance.

If you&#;re trying to choose a checking account, Jackson recommends reading online customer reviews to get an idea of a bank&#;s customer service. &#;You could be better off going to a bank with fewer perks but a great reputation for customer service,&#; Jackson says. &#;For instance, if I go to an ATM, but I can&#;t withdraw my money, I&#;ll have to call the bank. If I&#;m calling, it&#;s probably an emergency. Limited customer service hours would be a deal breaker.&#;

“You could be better off going to a bank with fewer perks but a great reputation for customer service.&#;

Jennifer Jackson, blogger at ADLT

Choosing the right checking account

A checking account is more than just a place to deposit your paycheck and a place from which you pay your bills. It&#;s the hub of your personal finances, and the right checking account can help improve your money management. Before you open a checking account, think through the above considerations for choosing a checking account. The best account will serve your needs without costing a lot of money in fees and have customer service that&#;s available when you need it.

1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Take your financial knowledge to new heights with tips from our quarterly Modern Money newsletter

Check your inbox for a welcome email with financial tips to get you started, and look for our Modern Money newsletter each quarter.

Discover Bank, Member FDIC

Related Article

All About Apps? Great, But There Are Reasons Millennials Still Need a Checking Account

Источник: mynewextsetup.us

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    What’s the Difference Between Online and Mobile Banking?

    Customers can perform financial transactions while banking online, like paying bills or transferring money from one account to another. Other basic activities include:

    • Viewing account balances at any time of day
    • Viewing or printing statements
    • Viewing images of checks
    • Applying for loans or credit cards

    In essence, a customer can do almost any activity online that he or she would be able to do in person when visiting a branch.

    Mobile banking lets you access your account from your mobile phone or tablet using your bank's mobile app or mobile website

    Mobile Banking

    Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. However, simply accessing the bank&#;s website on a mobile device is not the only method of mobile banking. Mobile banking’s versatility includes:

    • Logging into a bank’s mobile website
    • Using a mobile banking app
    • Text message (SMS) banking

    While more banks are making their sites easier to use on mobile devices, mobile banking is more commonly associated with accessing your accounts through an app. Last year, mobile banking apps were used on 52% of smartphones in the US, according to a consumer and mobile financial services report by the Federal Reserve.

    Mobile banking lets you complete many of the same tasks on your phone that used to require a trip to the bank

    Apps can offer a wide range of services that are not limited to account access and include the following:

    • Making mobile check deposits
    • Transferring money
    • Paying Bills
    • Locating ATMs

    Mobile and online banking provides convenience to customers who want to manage their finances while on-the-go; both options allow a person to conduct financial business from outside a banking facility. Customers interested in using either method of doing business should learn about both their bank’s mobile banking app and online banking website to better manage their finances.

    Take your financial knowledge to new heights with tips from our quarterly Modern Money newsletter

    Check your inbox for a welcome email with financial tips to get you started, and look for our Modern Money newsletter each quarter.

    Discover Bank, Member FDIC

    Источник: mynewextsetup.us
    https www discover com online banking checking

    Bonus Offer

    Offer is valid on new accounts only. To qualify, company must spend $3, within the first three months of account opening to receive the bonus. 10, bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

    Earning Points

    Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

    Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

    Businesses may earn up to 10, points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

    Rewards Redemption

    Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

    These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at mynewextsetup.us at log in.

    Program Rules are subject to change or cancellation without notice.

    Источник: mynewextsetup.us

    How to Choose a Checking Account Based on 4 Priorities

    There's a perfect checking account for everyone. Find yours by evaluating these 4 checking account considerations.

    Looking to open a new checking account? Maybe it&#;s time for your very first one as you head off to college. Or maybe you&#;ve reassessed your finances and have decided to move your checking account to a new bank. You could even be content with your current account but interested in adding a new one to the mix to help budget for certain expenses.

    Regardless of why you have checking on https www discover com online banking checking mind, there are a lot of considerations for choosing a checking account. While physical convenience—the location of a brick-and-mortar bank and its ATMs—used to be a top priority, online and mobile banking now give you more options than simply whichever bank is down the street. There are also accounts that pay interest on checking balances, those that offer rewards for certain types of transactions and online-only accounts that skip the most common checking account fees.

    There are many considerations for choosing a checking account, including fees, incentives, convenience and customer service.

    How do I select a checking account compass credit union sparta hours there are so many options out there, you ask? It becomes easier to choose a checking account if you consider the following four factors:

    1. Account fees

    Even though the money in your account is yours, there could be costs associated with some types of checking accounts in the form of fees.

    Comparing fees between banks or types of checking accounts isn&#;t always straightforward, says Jennifer Jackson, a blogger at ADLTa website that aims to help students and young adults transition into adulthood. Jackson says many of her clients aren&#;t even aware their bank is charging fees. &#;A person may have opened the account with enough money to avoid maintenance or minimum balance fees, but when their balance drops, they don&#;t notice the bank starts charging fees,&#; she says.

    When considering different types of checking accounts, do your research to find an account with no hidden fees.

    R.J. Weiss, a certified financial planner and blogger at The Ways To Wealth, says it&#;s important to think about how you handle money if fees are one of your considerations for choosing a checking account. &#;If your account balance hovers around zero, you&#;ll want to make sure the bank doesn&#;t charge a minimum balance fee, and you&#;ll want overdraft protection to ensure you&#;re not charged for overdrawing the account,&#; he says. If you like to keep cash on hand and regularly hit the ATM, you&#;ll want to consider checking accounts that give you access to a large network of no-fee ATMs, he adds.

    When comparing types of checking accounts, here are some common fees to consider:

    • Monthly fees. The average monthly maintenance fee for a basic checking account from the five largest U.S. banks is $, according to a survey from MyBankTracker, a consumer banking comparison site. Before you choose a checking account, find out whether the bank charges a monthly maintenance fee and if there is specific account activity that could waive the fee.
    • Minimum balance requirement. Some banks charge a fee if best cd rates discover balance falls below a specified minimum. Minimum balance requirements vary by bank, but according to the MyBankTracker survey, you may need to maintain a balance of $1, to $1, at some of the major U.S. banks. When comparing types of checking accounts, look for one with no minimum balance requirement if you tend to keep less than $1, in your account or like to have flexibility when making large withdrawals.
    • Overdraft fee. If you spend more than you have in your checking account, your bank may allow your account balance to go negative, then charge an overdraft fee. According to MyBankTracker, the average overdraft fee at the 10 largest U.S. banks was $ in
    • ATM fees. If you use an out-of-network ATM, you may be charged a fee by both the ATM operator and your own bank. According to a survey from Bankrate, the average out-of-network ATM surcharge was $ inwhich can add up if you withdraw cash often.
    • Foreign transaction fees. If you regularly travel internationally, keep in mind that your bank may charge a foreign transaction fee if you use your debit card or withdraw cash from an ATM. A report from MyBankTracker shows that the largest U.S. banks charge a fee between $2 and $5 per foreign transaction and 0% to 3% of the transaction amount for using a foreign ATM.

    The average monthly maintenance fee for a https www discover com online banking checking checking account from the five largest U.S. banks is $

    MyBankTracker survey

    2. Incentives

    Earning money from your bank isn&#;t just for savings accounts. Incentives in the form of earned interest or rewards may be a key consideration for choosing a checking account.

    Interest-bearing checking accounts pay interest to the account holder, similar to how interest is earned on a savings account. But that interest rate will vary depending on the type of checking account. According to data from ValuePenguin, the average APY for a checking account at a brick-and-mortar bank was % inwhereas online-only banks offered APYs of % or higher. Before you choose a checking account based on the interest, consider whether your money will sit there long enough to earn it and whether you have to meet a minimum direct deposit or minimum balance requirement each month.

    If you have interest covered with your savings accounts, another option when choosing a checking account is to look for https www discover com online banking checking rewards checking account. Discover&#;s checking account, Cashback Debit, lets you earn 1% cash back on up to $3, in debit card purchases each month.1

    Get 1% cashback on Debit from Discover. 1% https www discover com online banking checking on up to $ in debit card purchases every month. Limitations apply. Excludes Money market mynewextsetup.user Bank,Member mynewextsetup.us More

    &#;Anything that gives you perks is nice,&#; Jackson says, &#;but read the fine print.&#; Any rewards you earn can quickly be offset by fees.

    3. Convenience

    Feel like your calendar is crammed and you&#;ll never get through your to-do list? That&#;s why one https www discover com online banking checking your considerations for choosing a checking account should be online and mobile access. Being able to check your balance, pay bills and make deposits from your computer and on the go from your phone can make managing your checking account as convenient as checking in on social media.

    &#;If you deposit a lot of checks, online or mobile deposits can save a lot of time and transportation,&#; Weiss says. &#;We&#;re at an age where there are very few reasons to go into a bank,&#; he adds.

    4. Customer service

    While technology makes it possible to handle so many banking functions on your own, online or through a mobile app, you&#;ll want customer service to be available when you do need some extra assistance.

    If you&#;re trying to choose a checking account, Jackson recommends reading online customer reviews to get an idea of a bank&#;s customer service. &#;You could be better off going to a bank with fewer perks but a great reputation for customer service,&#; Jackson says. &#;For instance, if I go to an ATM, but I can&#;t withdraw my money, I&#;ll have to call the bank. If I&#;m calling, it&#;s probably an emergency. Limited customer service hours would be a deal breaker.&#;

    “You could be better off going to a bank with fewer perks but a great reputation for customer service.&#;

    Jennifer Jackson, blogger at ADLT

    Choosing the right checking account

    A checking account is more than just a place to deposit your paycheck and a place from which you pay your bills. It&#;s the hub of your personal finances, and the right checking account can help improve your money management. Before you open a checking account, think through the above considerations for choosing a checking account. The best account will serve your needs without costing a lot of money in fees and have customer service that&#;s available when you need it.

    1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

    Take your financial knowledge to new heights with tips from our quarterly Modern Money newsletter

    Check your inbox for a welcome email with financial tips to get you started, and look for our Modern Money newsletter each quarter.

    Discover Bank, Member FDIC

    Related Article

    All About Apps? Great, But There Are Reasons Millennials Still Need a Checking Account

    Источник: mynewextsetup.us

    For most people, a checking account is the center of their financial life. At Howard Bank, we combine flexible checking account options with the kind of personalized service that’s hard to find at bigger banks. We also offer accounts that provide money-saving benefits on the things you're already paying for. See an overview of each account below or download our comparison chart (mobile-friendly) here.

    Find the account that's right for you

    Extra+

     Extra

    Essential

    Anywhere Banking Tools

    Visa® Debit Card, Online Banking, Mobile Banking, and more

    Nationwide ATM Access

    Access to over 37, surcharge-free ATMs

    Roadside Assistance

    Available 24/7 and free to use, up to $80 in covered service charges

    Health Savings Card

    Save money on prescriptions, eye exams, and more

    Cell Phone Protection1,2

    Receive up to $ per claim if your cell phone is broken or stolen

    ID Theft Aid1,2

    Includes $2, in personal identity theft benefit and identity restoration

    $10, Travel Accidental Death Coverage2

    Peace of mind for the unexpected

    Local & National Discounts*

    Save money with discounts and deals on shopping, travel, dinking, and more

    Buyer's Protection & Extended Warranty1,2
    For replacements, repairs, or reimbursements on purchases made with your Howard Bank checking account

    Interest-Earning

    Earn more with our competitive interest https www discover com online banking checking Service Charge

    Amount varies between accounts

    Ability to Reduce or Avoid Monthly Service Charge

    Accounts provide options for reducing or avoiding the monthly service charge

    Источник: mynewextsetup.us

    Welcome to Community Bank of the Bay

    young woman passing a credit card

    Banking on a Better Future

    Sinceour mission has been to empower and strengthen our entire community. That’s why we became California’s first Community Development Financial Institution (CDFI). We take social responsibility to heart.

    Experience the CBB difference

    Environmental Impact

    Do you ever wonder what big banks do with your money? Through our award-winning Bay Area Green Fund, you can rest easy knowing that Community Bank of the Bay only uses the money in your bank account to support businesses and projects that make an environmental difference.

    Learn more about opening a Green Fund Checking or Savings Account

    Vibrant Communities

    As a CDFI, we’re dedicated to creating equal opportunity in the Bay Area by serving all of our diverse community members, including small- and medium-sized businesses, local nonprofits, labor unions, and creative professionals. When things get tough here, we double down to make a difference. When things are thriving, we all succeed.

    See what it means to bank with a CDFI

    Rewarding Partnerships

    We build custom financial solutions for businesses that may have been turned down by other banks. We’ll listen to your story, provide straightforward answers, and help you craft a plan to achieve your long-term goals — no matter where you stand today.

    Experience the CBB difference
    • YELP Review: Community Bank of the Bay is the best! It is my bank and I love it. I have been banking with them since CBB excels in the quality of care and support every customer receives AND they support the community not-for-profits &#; giving back to the East Bay &#; giving where we live! Local, Jaguar f type v8, experienced. I am glad I switched.

      Cherie C.

    • YELP Review: What a great bank, very customer focused, service driven. They provide excellent service to our business and personal accounts. They work with our business to find solutions. It is great to hear more from a bank than just NO!! It is the kind of service big banks refuse to deliver. I am extremely happy with them and their committment to the Oakland community.

      Clinton K.

    Bill Keller, President and CEO, Community Bank of the Bay

    Banking on Shared Values

    Go Green by Banking Green

    Reduce emissions. Protect https www discover com online banking checking resources. Support sustainable communities. That’s the mission of the Bay Area Green Fund, where you can invest in the future you believe in—simply by keeping your money in an account where it will stay green.

    Our fund currently has over

    We've loaned over

    Percentage invested in Green projects

    %

    See how the Green Fund works

    CLIENT SPOTLIGHT

    Meet Eric

    Owner, Gather Restaurant

    &#;We found an amazing partner in Community Bank of the Bay, who believed in what we were doing and took the deep dive to help us create this beautiful establishment.&#;

    Learn how Gather grew its business

    Let your hard-earned revenue work for you

    Big banks fund fossil fuel projects. Through the Bay Area Green Fund (BAGF), your deposits can support a support a more environmentally sustainable economy instead.

    Partnering for change

    CBB is a major investor in social capital and community spirit, because we believe https www discover com online banking checking building an economically inclusive community. We were mission-driven before that was even a trend.

    Coliseum Connections logo
    Discovery Counseling logo
    Rose Foundation logo
    North Beach Citizens logo
    Riekes Center logo
    The Ecology Center logo
    See all our partners
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    Online Savings Account

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    Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

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    What’s the Difference Https www discover com online banking checking Online and Mobile Banking?

    Customers can perform financial transactions while banking online, like paying bills or transferring money from one account to another. Other basic activities include:

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    • Viewing or printing statements
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    • Applying for loans or credit cards

    In essence, a customer can do almost any activity online that he or she would be able to do in person when visiting a branch.

    Mobile banking lets you access your account from your mobile phone or tablet using your bank's mobile app or mobile website

    Mobile Banking

    Mobile banking allows you to perform many of the same activities as online banking using a smartphone or tablet instead of a desktop computer. However, simply accessing the bank&#;s website on a mobile device is not the only method of mobile banking. Mobile banking’s versatility includes:

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    While more banks are making their sites easier to use on mobile devices, mobile banking is more commonly associated with accessing your accounts through an app. Last year, mobile banking apps were used on 52% of smartphones in the US, according to a consumer and mobile financial services report by the Federal Reserve.

    Mobile banking lets you complete many of the same tasks on your phone that used to require a trip to the bank

    Apps can offer a wide range of services that are not limited to account access and include the following:

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    • Transferring money
    • Paying Bills
    • Locating ATMs

    Mobile and online banking provides convenience to customers who want to manage their finances while on-the-go; both options allow a person to conduct financial business from outside a banking facility. Customers interested in using either method of doing business should learn about both their bank’s mobile banking app and online banking website to better manage their finances.

    Take your financial knowledge to new heights with tips from our quarterly Modern Money newsletter

    Check your inbox for a welcome email with financial tips to get you started, and look for our Modern Money newsletter each quarter.

    Discover Bank, Member FDIC

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    Online Banking Security Center

    When it comes to protecting yourself and your accounts against fraud, it helps to know how to spot it and address it right away. Here are some ways you can stay on the lookout:

    Tip 1: Monitor your account

    Make it a habit to monitor your deposit account activity regularly. Enrolling in Account Alerts  is one way to do it (see “Activate Account Alerts” in the “What you can do” section ). If you see anything unusual, contact us at as soon as possible. 

    Tip 2: Beware of scams

    Criminals are getting more sophisticated by the day with scams to fraudulently obtain your personal identification and/or account information. These scams can take many forms, but here are the three most common:  

    Phishing emails – These fiorello h laguardia high school appear to be sent from legitimate businesses and try to get you to reply with information, or click on links and/or attachments.

    Smishing texts – Similar to phishing emails, criminals send fake texts to trick you into clicking a link to a fraudulent website or into calling them. 

    Vishing phone calls – These phone calls and voice messages will attempt to get you to share information over the phone.

    The key to avoid falling victim to these scams is patience. Scammers want you to respond without thinking through their request. Before providing information or clicking on any links in an email or text, ask yourself the following questions: 

    • Do I know and trust the sender/caller?
    • Why am I receiving this request?
    • Was I expecting this request?  

    If you can’t easily answer these questions, be on the look out for tell-tale signs such as: 

    • An urgent request for personal or financial information
    • Poor grammar, spelling or punctuation
    • A threatening statement or rewarding offer
    • Links or attachments in an email that look questionable or don’t match the context of the message 

    When in doubt, don’t respond, click on links or open attachments. Call the business directly using a phone number from their website or other reputable source and ask if the request was from them. 

    To stay informed about the latest scams, visit the government’s Scam Alerts website.

    If you believe you have received a phishing or fraudulent email that appears to be from us or have interacted with the email and believe your account security has been compromised, please call us at immediately.

    Tip 3: Shred confidential documents

    Trash cans and dumpsters are favorite hunting grounds for people who want to steal your personal or financial information. To help stay safe, either file away or shred any documents that have sensitive information like account numbers and Social Security numbers. Better yet, avoid the hassle of shredding and sign up for electronic statements.  

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    Tip 4: When you suspect fraud, report it

    It is important to act quickly if you suspect fraud. If you believe that your identity or financial information is being used fraudulently, please notify us as soon as possible. In addition, our dedicated fraud specialists proactively monitor your account for unusual activity. If you suspect fraud, please call us at immediately.

    If you become a victim of fraud, here are additional contacts you may find helpful:

    To report a compromised Social Security number, call the Social Security Administration fraud hotline at  

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    To help prevent future fraud by placing a fraud alert on your name and identity, contact the credit bureaus:

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