In a fairly tough environment to get safe returns, particularly without risk and no commitment, I am slightly proud of making $48/month on my checking accounts. Keep in mind the money I have saved as a result of a low-expense lifestyle makes the free monies possible and I play 2 checking accounts in my favor. Always running checking transactions as CREDIT and never entering PIN #'s is a requirement of making my checking accounts profitable. Sure there are some stipulations and requirements to the arrangements, but they are easy to satisfy without much effort. I feel a little bit better about not being a coupon clipper as a result of getting $48 free dollars between checking accounts with Capital and First Citizens Banks. I am a very happy customer of both banks and very pleased with the customer service.
Keep in mind some of the arrangements that allow for me to get some free money are prone to change in the near future as a result of checking accounts regulations changing. Banks are not able to automatically make customers eligible for the Overdraft option, so the $34 insufficient funds charges have shrunk enormously, or at least thats my understanding. If I can make $600 a year on checking accounts, I'll feel pretty good about that. Let me know if you would like further details about how I make this happen. It could happen to you~
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