SearchExclusive.com

4 popular banks offering the best checking accounts

While credit cards let you spend over and above your income, checking accounts tend to keep you under a tight leash when it comes to managing your finances. This because whenever you use your checking account to make any purchases or pay any bills, money is debited from the account. With income and expenses going in and out of your checking account, there is fluidity in your finances and you can keep a better track of your expenses. Since there are unlimited deposits and withdrawals allowed with checking accounts, you are in control of your finances, unlike a savings account that places a limit on the deposits as well as withdrawals.

Some of the best banks for checking accounts offer various perks, which include no ATM fees, cash back rewards, low or no minimum balance, and so on. Here is a list of some of some of the best banks for checking account.

Charles Schwab Bank
Although Charles Schwab is an investment company, it offers one of the best checking accounts in the market. Initially introduced exclusively for Charles Schwab investors, the Schwab Bank High Yield Investor Checking ^® Account has various benefits such as zero fees to transfer funds to accounts at Charles Schwab as well as other banks, free bill payment, free checks, no charges for using ATMs, and free debit card. Also, these checking accounts charge very low fees and have a minimum balance requirement of just $1. The APY offered is 0.20%. Other perks include no charges for using foreign ATMs and immediate reimbursements for charges incurred for using ATMs of other banks anywhere in the world. This makes it perfect for regular international travelers.

Capital One
Primarily a provider of online checking accounts, Capital One is known for some of the best banking tools in the market and a very efficient customer support. One of the first banks to offer remote fund deposits through phone, Capital One offers a number of cutting-edge apps to make banking transactions hassle free. The tools and apps are streamlined to help customers manage their funds with ease. With no monthly fees and no minimum balance requirement to open a new checking account, the Capital One 360 Checking® account is a fee-free online checking account that pays one of the highest interest rates, which is above the national average of 0.05%. Moreover, the company offers a c hecking account without considering the ChexSystems reports.

Ally Bank
This is one of the well-rated and best bank for checking accounts in the online bank category. There are no monthly fees and no minimum balance requirement. The APY offered is 0.10%. Although the online checking accounts from Ally Bank do not let customers deposit cash, it does make up for this drawback by offering perks such as ATMs with zero charges and a reimbursement of $10 in every statement cycle to compensate for charges incurred while using ATMs of other banks. Moreover, Ally Bank offers a well-structured and highly responsive customer service.

Discover
Mostly known for its cash back credit cards, Discover is also one of the best banks for checking accounts. If a customer makes a purchase of around $3,000 every month, the cash back checking account from Discover will pay one percent cash back, which adds up to $360 cash back every year. However, this is cash back reward is applicable only if purchases are made using a debit card. There are no monthly fees and no minimum balance. Moreover, no fees are charged for online bill payments, debit card replacement, check reorders, and official bank checks.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.