A local bank has started advertising a high interest rate checking account. It all sounds very good on the radio: 4.55% interest, no monthly fee, $50 to open. But there are a couple of catches…which aren’t listed in the radio ad but are listed in the teeny-tiny print at the bottom of the postcard.
The rate is only good for balances of 0-49,999 dollars, above that it’s 1%. And then you have to “qualify” during each statement cycle. The qualifications? Get electronic statements, have an automatic deposit, and make at least 12 charges on your debit card. Miss any one of those? Interest is 0.10% for that statement. Ouch. That’s a lot of loose ends to keep track of, especially on an account that charges you $3 per check after the first three per month.
If you had 10K to put in this account, you’d make an extra 150 a year above keeping it in HSBC Direct. But you have to make 12 charges per month, how easy would it be to justify buying one more thing? If you can keep your charges to your normal purchases, and you normally have a direct deposit and use your debit card a lot, this is a great account. You could miss the 12 charges a couple times a year and still beat HSBC.
But how long is the account likely to stay at 4.55%? The woman in new accounts at the bank couldn’t give any promises (they never do) but did say they intended the interest rate to stay above the interest for the CDs. I’m still thinking about it. I use a rewards card for my purchases, so I need to figure out what I’ll lose in rewards (and holding my money an extra month) compared to what I’d gain in interest. If I used a debit card all the time and had closer to that 50K limit, I’d be more likely to do it.
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