List of Free Online Checking Accounts

online_bank_freeThere’s nothing worse than checking your account balance and seeing you’ve been hit by outrageous fees for the stupidest things. Seriously, it feels like you have to jump through a million hoops, such as having an account open for a certain number of months, signing up for online bill pay, staying under a certain number of transactions, and so on, just to enjoy the “free” checking account your bank promised you.

As the Internet has evolved and technology continues to advance, however, a number of banks have introduced robust and easy to use online checking accounts that are not only 100 percent free, but provide excellent interest rates and perks as well. In fact, here’s the rundown on some of the best free online checking accounts available today.USAA

The United States Auto Association is known for providing members of the military and their families with insurance and financial products, but they also offer several other products, such as checking accounts, that are available for the masses to take advantage of.

USAA’s free checking account is linked to over 60,000 ATMs that can be used free of charge. Furthermore, as a USAA free checking accountholder, you become eligible for reimbursement up to $15 to pay for any fees charged by other bank ATMS. To top it all off, they offer free unlimited Web Bill Pay, a phone app for easy account management, and easy deposit options as well. Combined with top notch customer service, USAA’s free checking account is definitely worth considering.

Capital One 360

The Capital One 360 free online checking account is tough to beat. Not only does it earn interest just like a savings account, but there’s no maintenance fee whatsoever, the website is incredibly easy to use, and making deposits is even easier. When you also consider the fact that a Capital One 360 account provides you with access to thousands of free ATMs to use at your leisure, it becomes apparent why more and more people are ditching their brick and mortar banks for Capital One.

EverBank

When it comes to paying interest, the folks at EverBank are far from shy, paying 0.88 percent on balances under $10,000 and more for higher balances. In addition to offering a higher interest rate than what is typically offered for most money market savings accounts, EverBank also provides a Yield Pledge guarantee, ensuring your account will yield a better return than 95 percent of the competition. Talk about putting their money where their mouth is.

Ally Bank

Another online institution offering a free interest-bearing checking account is Ally Bank. With no minimum opening deposit, a free MasterCard debit card, no monthly maintenance fees, and the ability to conveniently make eDposits from your smartphone, it’s hard to go wrong with an Ally Bank account.

Mutual of Omaha Bank

Most people associate Mutual of Omaha with insurance products, but the longstanding Nebraska-based company has been providing folks with banking services for decades and has some pretty sweet offers for new customers. In fact, one such offer is a free online checking account that only requires a meager $100 opening deposit and pays an interest rate of 0.50% APY. Plus, they provide a free order of checks and access to a network of nearly 23,000 ATMS.

Bottom Line

Traditional checking accounts are slowly becoming extinct in today’s world. Long gone are the days of getting a free microwave for opening an account. Today, you get blindsided with absurd fees that chip away at your balance. Thankfully, online banking has emerged as a moneysaving alternative, allowing you to kiss your greedy brick and mortar bank goodbye and begin enjoying a free and rewarding banking experience. Oh yeah, I almost forgot to mention that all of the online checking accounts mentioned above are FDIC insured, so you really do have nothing to lose and everything to gain.

You Can Now Get all 3 Credit Reports + Score for Free

Free Credit Report GuyNeed to get ALL three credit reports? Well, there’s annualcreditreport.com which will let you get your Credit Score. For the TransUnion report you can go to CreditKarma.com, for the Experian report you can go to CreditSesame.com and for the Equifax report you can go to Mint.com.

That should give you everything you need to get your credit in order! And remember don’t use these guys:

How To Get A Free Car

How to get a free car!If you find it nearly impossible to get a car, you may be able to find one for free. Whether you are out of work and need one to find jobs or are working but cannot afford the expense, there may be several options you qualify for. These options vary depending on where you live and the route you choose to take, but here are a few ways to get a free car.

Charity Cars
One of the most common ways people get free cars is through charities. FreeCharityCars.org is an organization accepting and giving away free cars to people who qualify. Most vehicles they give away are for disabled people who need them to get to medical appointments or to improve their quality of life. If you are disabled and need a car for this reason, you will need to provide your income and present a strong case of why you need a car. There are also programs where you can make a profile, write a bio about yourself, state why you need a car and ask your friends to vote for your profile. Charity cars are not just for disabled individuals. The following are some more examples of people qualifying for free charity cars:

• People who are victims of domestic violence.
• People who are transitioning from depending on benefits to finding a job.
• People who are spouses of active-duty military personnel.
• People who are categorized as working poor, which is based on income.
• People who lost their cars and homes because of a natural disaster.
• People who live in transitional housing.

Ask A Church

If you do not meet the above criteria, that does not mean you should still be able to afford your own car. For example, you may live in an area where the cost of living is much higher than the average throughout the nation. If this is the case, the poverty line level may sound like income below that to you. If you belong to a church, ask the board or clergy for help getting a car. You can still ask even if you do not belong to the church. In some cases, church members donate cars for a tax break. Churches are usually not as limited with requirements, and they may be able to help you even if you earn more than what is considered the poverty level.

Apply To Mobile Advertisers

Mobile advertising is becoming a popular way for companies to get their names out there. Most companies pay people to have their vehicles painted or display advertisements for their company. However, some provide the vehicles. If you do not mind driving a vehicle that advertises for a company, you could wind up in a free vehicle if you have a solid driving record. Search for these companies online, because there are always new ones added.

Check With Social Services

A local DHHS or Social Services office may be able to help you find a free car. There are local and state programs and charities, which vary from one place to another. Not all programs have the same criteria, so you may be able to obtain one even if you do not have dependents, are not disabled and make more than the average poverty level. An agent may be able to recommend resources for you, so search for your nearest office to call.

Put An Ad Up

Some areas have free circulars with ads. If you can place a printed ad requesting a car, this may hep. You should word it carefully, and present the reason why you need a car. Some people who are wealthy started out struggling, and there are many who want to help people achieve their dreams. They understand that a vehicle is important for self-sufficiency. You can try Craigslist, Back Page and similar sites online. Be careful with potential donors. Never meet at a person’s home, and try to research the person beforehand.

You may also find people giving away cars for free by searching online and adding your area to the search term. Finding a free car is not impossible, but it will take some work.

How to get FREE Airline Tickets!

How to get Free Airline TicketsIf you want to hop on a plane and don’t want to spend any money, you will have a few options. Yes, there are people who routinely fly all over the world without spending a dime. However, this isn’t due to sheer luck. No, if you want to fly for free, you will have to know the way to game the system and get on that plane for free. With this in mind, here are the top five tips for flying for free.

Volunteer to get bumped: If you fly a lot, you have probably been on a flight where the airline asks people to voluntary take the next flight. Known as bumping, this is a great way to get some free tickets. To maximize your chances, you should have an open-mind about your arrival date. Not only that, if you are flying solo or in a group of two, you will increase your chances. Often, the airline will give you two free tickets and pay for your hotel room. Sometimes, if you are lucky, you will only arrive to your destination in a few hours. So, remember, if you want to get bumped, show up a bit early and rush up to the counter when the airline is looking for volunteers. This isn’t as easy as it was in the past as airlines now use algorithms to avoid this costly problem. But, if you are wise, you can take advantage of this multiples times. In turn, you can end up getting enough points and vouchers to take multiple trips.

Airline miles and signup bonuses: Without a doubt, if you are the spender in the house, you should have an airline credit card. Just by putting your monthly expenses on the card, you can get enough miles for a free round trip ticket, every year, if not sooner. In fact, plenty of traveling salespeople and small business owners rack up hundreds of thousands of miles. While true, you may have to pay a small ticket processing fee, which may amount to a few dollars. Either way, if you want to get on a flight for free with little effort, consider an airline miles card. Furthermore, if you sign up for a company that is offering a bonus, you may get a free flight by meeting simple spending thresholds in the first three months.

Frequent flyer mile programs: If you fly often, you need to sign up for airline frequent flyer programs. Think about it, if you take three or four trips a year, you will earn enough miles to get a free flight. Furthermore, you need to realize that many airline programs are connected. Then, when you go on a few trips, you are going to see your balance rise quickly. So, remember, anytime you fly, you need to use your frequent flyer miles as you don’t want o pass up a free trip in the future. With this, you must read the fine print and make sure you follow all the rules as you don’t want to see your hard-earned miles slip away because you forgot to follow a rule.

Complain: When flying, things happen, and it’s wise to complain if you feel that you were treated poorly. Often, when on a full and busy flight, you may not get the best service. While you don’t want to go out of your way to be rude, you should speak up. If you do, you may get free pints or miles. Other times, the airline will offer you a free ticket or voucher. Remember, while a lot of people simply take the bad treatment, you need to go out of your way to complain, if you feel it is justified. Not only can you fix the problem, but you can enjoy free flights in return.

Work for the company: Without a doubt, a lot of people work at an airline to get free travel. Think about it, if you are a travel junky and don’t mind flying on standby or waiting for the right flight, you can get on it for free. You will often see people who are flying this way, and it’s a great way to save cash. If you don’t like flying for work but still want to work for an airline, you can work behind the scenes or at the airport. Yes, if you want to fly for free and have some flexibility, you can do so if you work for an airline.

If you want to fly for free, you should try to think a little harder. If you do so and try to follow one of these ideas, you can go anywhere in the world for no money. Either way, remember to think outside the box if you want to arrive to your destination with more cash in your pocket.

If you enjoyed this post, check out our Netflix trial post too.