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Chase Business Banking

The Chase Business Banking can accommodate the needs for both large and small business to make handling your money transactions easier and safer. For most transactions including deposits, the Chase Online Banking service can be utilized. The depositing of checks can now be done electronically with a check reader that Chase Bank can provide for a nominal fee.

There are three separate types of checking accounts to help the business man handle their investing and money handling transactions.

The Chase Business Select Checking has free online bill paying, online statements and a free business debit card. This account allows for up to 200 transactions to occur free of charge. This includes debits, credits and deposits. For each additional transaction there is a $0.40 charge.

There is no cash deposit fee for funds under $7,500 each month. There is no monthly fee with the daily balance is averaged above $7,500 or never drops below $5,000.

The Advanced Business Checking has all the great features of the Chase Business Select Checking but the numbers of transactions are unlimited but there is a charge per transaction. For a debit the charge is $0.20, per credit it is $0.80, and per deposit the charge is $0.20.The cash deposit limit is raised to $25,000 a month.

The Business Plus Extra Checking has all the4 same features and services the other checking account do plus more. There are packages made special for this account for business savings, business CDs and business credit cards along with special services on wire transfers, stop payments and overdraft protection.

 There are three Chase Business Banking plans to fit the needs and size of your company that would beneficial in handling all of your financial matters.

For additional resources about Chase Banking services on this website, please view Chase Mobile Banking.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Mobile Banking

The Chase Mobile Banking is available no matter what smart phone or tablet you now possess. This is made possible because of forward thinking by this financial giant.

To start with not many Chase Online Banking customers were very happy with the mobile site for smart phones. That has all changed now. As of this last December the Android app has been made available free of charge to anyone wishing to use it. This app has all the great features of the online site, but easier to navigate with your smart phone or tablet.

To use this new app you must still sign up for online Access from a computer, but after that point, you are free to go mobile. This app gives you access to online bill paying, money transfers between your accounts and all the balances and transactional history you have with Chase Bank. You will also have access to the new person to person quick pay which allows you to send money to anyone in America with the touch of a button from your phone.

For those of you that love Apple products, you were not left out. Chase has just released the updated version of its iPad and iPod app on April 22, 2011. This is version 2.1p0.3018 and requires hard drive space of 5.8 MB.

This is what the new Chase Mobile Banking now has to offer anyone on the go. Best of all both apps are free of charge.

For additional resources about Chase Banking services on this website, please view Chase Competitive Mortgage Rates.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Competitive Mortgage Rates

The Chase Competitive Mortgage Rates are customized for each customer who takes into account their unique situation. This will include your age, income level and location. All of these variables will better help the mortgage experts to give you an accurate rate.

To help give an idea the Chase Online Banking can help. At this current time the advertised refinance rates are being posted. These rates are for those that have perfect and great credit. This is a set of averages.

 The 30 year fixed has an interest rate of 4.625% and an APR of 4.733%. The 15 year fixed rate has an interest rate of 3.750% and an APR of 3.934%. The 7/1 ARM has an interest rate of 3.375% and an APR of 3.268%. The last of the openly advertised rates is the 5/1 ARM that has an interest rate of 2.875% and an APR of 3.060%.

There is an option that is available by the click of a mouse that has a place for you to enter your local zip code for the rates being offered in your area of the nation.  This shows just how much the rates will vary in different areas of the nation.

For the zip 19446 around Philadelphia, PA the rates include the 30 year fixed has an interest rate of 4.500% and an APR of 4.607%. The 15 year fixed rate has an interest rate of 3.625% and an APR of 3.827%. The 7/1 ARM has an interest rate of 3.250% and an APR of 3.199%. The last is the 5/1 ARM that has an interest rate of 2.750% and an APR of 2.997%.

The Chase Competitive Mortgage Rates will vary around America. Check out what your rate can be by supplying the necessary information to help make your quote more accurate.

For additional resources about Chase Banking services on this website, please view Chase Mortgage Write-down’s

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Mortgage Write-down’s

The possibility of any Chase Mortgage Write-down’s has diminished with the announcement from the Chase CEO at the end of March 2011. Jamie Dimon has informed the public that there will be no write downs for home owners that cannot make their mortgage payments. His exact words were “that’s off the table”.

If you are a home owner with a Chase mortgage and are having trouble making your payments, then the possibility of losing your home has just been increased. The write-downs has been part of a settlement plan that the attorneys for the different states have proposed to the financial giants as a path to help settle the mortgage mess that almost destroyed the world economy just a couple of years ago.

What has been exposed is there were thousands of foreclosures that were done improperly and some illegally by the financial giants in the past couple of years. The write downs were a compromise to give back something to the public that was owed them for these misdeeds by the banks.

What is noticed with this hard line is that the financial giants will do anything to make a profit and are unforgiving when someone is having a financial misfortune. How short their memory is since the American public just bailed them out of their financial blunder.

If they ever ask for a bail out again, I hope the US Government remembers this and says no. These large financial institutions are not good for business or the country.

If you need to make a payment on your mortgage the Chase Online Banking can help you do so. If you are looking for Chase Mortgage write downs, you are out of luck.

For additional resources about Chase Banking services on this website, please view Chase Bank Bailouts.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank Bailouts

The Chase Bank bailouts were a part of the largest federal intervention in the financial sector, to date, in the amount of tax payers’ money that was given away. This was all a part of the TARP or Troubled Assets Relief Program that the government started so they could give away $15 billion of tax payers’ money to private industry, so they would stay solvent after milking profits on bad investments they made. This was on top of the $700 billion already given to them as part of the bail out.

Chase, along with Citibank and Wells Fargo, received $25 billion each as their payment in an effort to make these private intuitions solvent again. The main reason the government made this bailout available was to help keep the country from falling into a deep recession. The bail out money was supposed to be used as capital so the banks could start giving out loans again. As everyone knows by now, this is not what happened to the money.

The large financial institutions, which were too large to allow them to fail, just purchased more banks to make themselves even larger than before.

The sad fact of events then followed that the federal government announced to the majority that received the bailout funds that they could not settle their debt with the fed for $68.3 billion, instead of the $229.7 billion these select few had received. This group included Chase, Citibank, Goldman Sachs, Morgan Stanly, US Bancorp, and Capital One Financial.

As a result of this financial bailout by the federal government with tax payers’ money, Chase was allowed to make a profit in 2009 of $97 million. To top this, the first quarter profits for Chase in 2010 were at $3.3 billion.

If you decide to use Chase Online Banking, rest assured you are using a financial institution that now knows how to handle money and make a profit while the rest of the economy is in a recession. The Chase Bank bailout actually turned into a profit bonanza for this financial institution.

For additional resources about Chase Banking services on this website, please view Chase Online Banking 2011.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Online Banking 2011

We decided to look at what is new for Chase Online Banking 2011. This is a type of public service from the people at Chase Online Banking to help keep you, the American consumer, informed about this financial giant.

The first thing that needs to be covered is the reliability of this online service for Chase customers to have access to their accounts. There was an outage of this service that in total lasted for three days from September 14 to September 16, 2010. While the service was brought back up during this period, it crashed again.

All aspects to the possible cause were looked at including the online storage providers, but they were cleared of any wrongdoing. The source of the outage was determined to be the Oracle Database that was corrupted. To prevent this same type of situation in the future Chase and its parent company JP Morgan, have decided to switch their database to the IBM DB2.

While all transactions by the online services that included bill payments were delayed, Chase has picked up the fees that their customers were charged because of the outage and their failure to complete these transactions. Another unfortunate consequence of this outage was the loss of thousands of applications for loans.

The use of this online service was not available for the better part of 3 days, but the telephone banking and ATMs were unaffected and could have been used for any service that these customers needed to be done. Both of these services were available without any additional charge for the transactions.

Since this unfortunate situation, the services from the Chase online portal have had no more glitches or outages. To put things into perspective, all major online services have seen problems with their services, including Bank of America back in January 2010.

The Chase Online Banking 2011 is set to be prepared so this type of outage does not occur again. Chase does not have total control over their internet, but no one does. They have made it up to their customers by reimbursing them of any financial loss, which has made this service a reliable financial mechanism for their customers to use and trust.

For additional resources about Chase Banking services on this website, please Chase 0% Balance Transfer Credit Cards

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase 0% Balance Transfer Credit Cards

At the present time there are 2 Chase 0% Balance Transfer Credit Cards according to the Chase website. There is the Slate card from Chase and Southwestern Airlines Rapid Rewards Visa Signature Card presented by Chase Online Banking.

The Slate card has a 0% APR on all purchases for the first 12 months and balance transfers after the account is opened. After the end of each intro period the balances will be charged a variable APR of 11.24% to 17.24% depending on your credit worthiness. These are the conditions and terms for those with excellent and good credit.

For those with average credit the Slate card terms are different. The 0% APR on both the balance transfer and purchases only last for 6 months. After that intro period expires the APR will be changed to 22.24%.

For all credit ratings a balance transfer, a fee of $5 or 3%, whichever is greater for each transaction will be placed on your bill. All balance transfer take 13 days to occur so payments must be made if they are due within that time period. The billing cycles are only 25 days and are what Chase refers to when saying 12 or 6 months.

The Southwestern Airlines Rapid Rewards Visa Signature Card is listed on their site as a 0% balance transfer but there is no mention of it in the terms or conditions listed in the small print that set the limits of the card.

Because of the misplacement of the Southwestern Airlines Rapid Rewards Visa Signature Card, there is only one Chase 0% Balance Transfer Credit Cards available at this time which is the Slate Card.

For additional resources about Chase Banking services on this website, please Chase Online Bill Pay.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Online Bill Pay

Available to their customers is the Chase Online Bill Pay. This is a free servi e provided for the safety and convenience of all Chase customers with qualifying accounts. This service is capable of paying your bills to assigned recipient in 2 days or less.

With Chase Online Banking and this bill paying service there is a guarantee that this is a safe and secure way of paying your bills. This guarantee covers 100% of all late fees if you do your part correctly.

You part of this is to always schedule the payments at least 5 business days before it is due and you have not made an input error on who is suppose to receive your funds. The funds must also be present in your account when the schedule payment is made. This guarantee covers everything that is in the control of Chase.

All of your payment records are accessible for up to 13 months after they occur with the touch of a button.

If you find yourself in need of a faster service there is the option of an overnight check and wire service from Chase. If you place an order for the delivery of a check by 10pm, it can be delivered the next day guaranteed. Usually before 10:30 am for the low fee of $14.99 pre check.

The wire transfer requires the customer to be signed up in advance before the service is needed, but it can send money electronically around the world to any recipient of your choosing instantly.

These are some of the features of the Chase Online Bill Pay being offered today.

For additional resources about Chase Banking services on this website, please view Chase Mortgage Rates November.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Mortgage Rates November

Like most financial institutions, the Chase Mortgage Rates November change depending on what part of the country you are located in. The difference does not seem like much, but 0.1% over the life of a loan does add up. These rates posted on this site are for the Philadelphia Pennsylvania area.

To show you the difference the 30 year fixed advertised rate is 4.625% interest with an APR of 4.700% but when you place the Philadelphia zip in the quote it changes to an interest rate of 4.500% interest with an APR of 4.596%. As you can see the difference is only slight but there is a difference.

Now the specifics of what can be found with Chase Online Banking. For the 30 year fixed rate of 4.500% the APR is 4.596% with 1.125 points. This equates to 359 monthly payments of $1,089.37 and one of $1,091.95 for a loan of $215,000.

The 15 year fixed rate has an interest rate of 3.750% with an APR of 3.933% and 1.250 points. This equates to 179 monthly payments of $1,563.53 and one of $1,563.09 on a loan of $215,000.

The 7/1 LIBOR ARM currently has an interest rate of 3.625% with an APR of 3.388% and 1.125 points. There will be 84 payments at this rate before a change occurs but the amount will change with the variation in the interest.

The 5/1 LIBOR ARM currently has an interest rate of 3.250% with an APR of 3.185% and 1.125 points. This makes 60 payments at this rate before it will change which will change the payment amount.

These are the currently Chase Mortgage Rates November as posted on the 26^th of the month.

For additional resources about Chase Banking services on this website, please view Chase Bank Annuities.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.

Chase Bank Annuities

The number of Chase Bank Annuities is many. The most common one is the certificate of deposit. This is considered an immediate annuity or a single premium annuity that can be a source of revenue for those on a fixed income like retirees. Other sources of immediate annuities from Chase are in their IRA plans that contain special CD rates.

With Chase Online Banking you have access to both the traditional Chase IRA plans and the Roth IRAs. These fixed annuities are beneficial to own since you will know exactly what you will have coming in as a revenue source and when you will have access to it. This can be in a monthly check from the interest earned on a CD or when the CD matures and you will have both the interest and the principal at your disposal.

Chase also has many variable annuities that you can invest in. A Chase manager can invest you money in a variety of long term investment that will pay out over a period of time. These professionally managed portfolios make the investments in stocks, bonds and mutual funds. Since the values of your investment will vary over time, so will the payment you receive once the payout period begins.

Because these investments are geared towards being used during retirement they can be set up to be tax deferred. This allows for fewer taxes to be paid because you will be in a different tax bracket upon retiring.

The Chase Bank Annuities are a great way to plan for the future. The sooner you start, the more you can make.

For additional resources about Chase Banking services on this website, please view Chase Bank Mortgage Foreclosure Moratorium.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name.