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      <title>Financial Institutions  by Qu&#39;Derika Nash</title>
      <link>https://padlet.com/ebolaonfleek/financialliteracy11</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2017-11-28 11:46:07 UTC</pubDate>
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         <title></title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210838475</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-11-28 12:08:43 UTC</pubDate>
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         <title></title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210838819</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-11-28 12:10:17 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210838819</guid>
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         <title></title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210839007</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-11-28 12:11:12 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210839007</guid>
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         <title>General Information</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842705</link>
         <description><![CDATA[<div><strong>Services</strong>: There are plenty of service options for customers to choose from. This includes checking, debt &amp; prepaid cards, online &amp; mobile banking, rewards, cash solutions, priority banking, money market, CDs, IRA solutions, auto buying service, and a tax center. <br><strong>Location</strong>: The bank operates in approximately 1,500 offices and&nbsp; 1,900 ATMs across Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas.<br><strong>Hours Available</strong>: <br>Mon - Thu: 9am to 4pm<br>Fri: 9am to 5pm <br>Sat: 9am to 12pm<br>Sun: closed <br><strong>Requirements</strong>:<br>- Social Security Number<br>-Date of Birth<br>-Email Address<br>-Personal Identification (driver's license or state-issued ID)<br>&nbsp; &nbsp; a) Identification Number<br>&nbsp; &nbsp; b) Expiration Date<br>-Funding Account Information (one from below):<br>&nbsp; &nbsp; a)A Credit/Debit Card<br>&nbsp; &nbsp; b)A Regions Checking/Savings Account<br>&nbsp; &nbsp;c)Checking/Savings Account (you own from another bank)<br><strong>Are there translators available?</strong> Yes <br><strong>Mobile and Online Bill Pay</strong>:<br>There are apps, mobile deposit, Personal Pay, mobile alerts text banking, etc.<br><strong>Are rewards plans offered?<br></strong>Yes.&nbsp;<br>Bank - With a checking account, you earn points for using certain Regions products and services, such as using Online Bill Pay, making deposits at ATMs and receiving monthly Online Statements.<br>Shop - With a Relationship Rewards Credit Card, you earn points on qualifying purchases, including the purchases you already make every day.<br>Redeem - Your points can be redeemed for cash, travel, merchandise, gift cards and more. And remember – the more you bank with Regions, the more points you earn.<br><br><br><br></div>]]></description>
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         <pubDate>2017-11-28 12:25:01 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842705</guid>
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         <title>General Information</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842815</link>
         <description><![CDATA[<div><strong>Services</strong>: This credit union offers many valuable services to its members. There services are: checking, debit cards, bill pay, savings, online &amp; mobile banking, loan protection services, investment &amp; retirement services, IRA, rates,financial wellness,account and service fees.<br><strong>Location</strong>:&nbsp; Atlanta &amp; Metro-Atlanta <br><strong>Hours Available</strong>:&nbsp;<br>Mon-Fri: 8 am – 6 pm</div><div>Sat: 9 am – 1 pm<br>Sun: Closed&nbsp;</div><div><strong>Requirements</strong>:<br>-Social Security Number<br>- valid U. S. -Driver’s License<br>-Physical Address information<br>-check your credit report to <br>-must be a U.S. Citizen or U.S. Resident<br><strong>Are there translators available? </strong>Yes<br><strong>Mobile and Online Bill Pay</strong>: Yes <br><strong>Are rewards plans offered?<br></strong>Yes ,a rewards credit card for your day-to-day spending is the points, miles or cash back you can earn every time you swipe VISA&nbsp;<br>Platinum-Our premier credit card starts with 9.99-12.99% Annual APR and APR for balance transfers and cash advances, and gives you rewards points for every dollar.<br>VISA Classic<br><br></div>]]></description>
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         <pubDate>2017-11-28 12:25:19 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842815</guid>
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         <title>General Information</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842850</link>
         <description><![CDATA[<div><strong>Services</strong>: This online bank includes checkings, savings, mortgages, and personal loans.<br><strong>Location</strong>: It’s an online bank, therefore you can not locate it.<br><strong>Hours Available</strong>: 9am-5pm<br><strong>Requirements</strong>: The website said nothing about a credit union.<br><strong>Are there translators available? </strong>No<br><strong>Mobile and Online Bill Pay</strong>: online banking is available and you can sign up for automatic payment of bills<br><strong>Are rewards plans offered? <br>&nbsp;</strong>Yes<strong>. </strong>Experience the convenience and ease of online banking with the financial benefits of a premium, interest-bearing checking account, including the ability to earn up to 1.25% APY. The Rewards Checking account from Bank of Internet USA is our top-tier checking account, offering our highest interest rates, along with free online banking, unlimited domestic ATM reimbursements, and exclusive cash back purchase rewards.<strong><br></strong><br><br></div>]]></description>
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         <pubDate>2017-11-28 12:25:27 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210842850</guid>
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         <title>About Checking </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843064</link>
         <description><![CDATA[<div><strong>What is the minimum amount of money required to open the account?</strong><br>$50.00. <br><strong>How much money do I have to maintain in my account to avoid fees?</strong></div><div>$1,500 average monthly balance in your LifeGreen account or ACH direct deposit, such as recurring payroll or government benefit deposit, of at least $500.00 single deposit or $1,000.00 combined deposit to your account</div><div><strong>Fees for bounced checks</strong>: <br>$36.00<br><strong>Overdraft Protection Options</strong>: <br>Overdraft Protection:With Regions Overdraft Protection, your checking account is linked to a funding account, such as savings, money market, credit card or even a line of credit, to cover transactions in the event your checking account does not have sufficient funds. A transfer fee will be charged to your checking account each day a transfer occurs.<br>Standard Overdraft Coverage: <br>With this coverage, the bank may pay checks or authorize CheckCard, ATM or other transactions, subject to their published overdraft fees, even if you don’t have enough funds in your account to cover these transactions. Their Standard Overdraft Coverage does not cover everyday CheckCard or ATM transactions if you overdraw your personal checking and linked overdraft protection account, unless you have specifically consented, or “opted in”, to the coverage. (Checks you write, automatic bill payments and other debit transactions are still eligible for coverage.) Qualification for this coverage is determined at our discretion based on such considerations as the account’s balance and overdraft history.<br><strong>How many checks can I write before extra fees are charged?<br></strong>There are no check writing fees unless you have the eAccess account in which there is no fee for the first three checks processed, then $0.50 per check<strong><br>How many withdrawals can I make each month?<br></strong>Maximum of 6<br><strong>Does this account pay interest? If so, what is the current rate?</strong><br>N/A<br><strong>Are there any other fees?<br>LifeGreen Checking- </strong>$8.00 with online statements and $10.00 with paper statements <strong><br>Simple Checking- </strong>$5.00 with online statements and $7.00 with paper statements <strong><br>eAccess- </strong>$8.00 with online statement<strong>s<br>Preferred Checking- </strong>$18.00<br>62+ Checking- $8.00 with online statements and $10.00 with paper statements&nbsp;</div>]]></description>
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         <pubDate>2017-11-28 12:26:05 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843064</guid>
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         <title>About Checking </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843099</link>
         <description><![CDATA[<div><strong>What is the minimum amount of money required to open the account? <br></strong>$5.00<strong><br>How much money do I have to maintain in my account to avoid fees? <br></strong>Minimum of $900 to avoid fees , depending on what fees you are registered for <strong><br>Fees for bounced checks</strong>:<br>$33.00<br><strong>Overdraft Protection Options</strong>:<br>Transfer from another account: With this option, we take the funds from another Georgia’s Own account to cover the shortage.</div><div>Overdraft protection for checks, ACH transactions and recurring debits: This service covers transactions that come in via check or automated payments so they are not returned or declined.</div><div>Overdraft protection for one-time debit and ATM transactions:<strong> </strong>This service covers your ATM and debit card transactions when there are insufficient funds in your account(s). To avoid your transactions being declined, you must opt-in.</div><div>Overdraft line of credit:<strong> </strong>This option provides a line of credit when there isn’t enough money in any of your accounts to cover the transaction.</div><div>Balance notifications:<strong> </strong>This handy feature lets you set up personalized notifications when your checking account drops below a certain amount.</div><div>&nbsp;<strong>How many checks can I write before extra fees are charged?<br></strong>If you Enroll in eStatements and avoid the $2 per month paper fee<strong><br>How many withdrawals can I make each month?<br></strong>Maximum of 6<strong><br>Does this account pay interest? If so, what is the current rate? </strong>Depends on the account <strong><br>Are there any other fees?<br></strong>No</div>]]></description>
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         <pubDate>2017-11-28 12:26:08 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843099</guid>
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         <title>About Checking </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843170</link>
         <description><![CDATA[<div><strong>What is the minimum amount of money required to open the account?<br></strong>You don’t need any money to open the account<strong><br>How much money do I have to maintain in my account to avoid fees?<br></strong>$100<strong><br>Overdraft Protection Options</strong>: <br> Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your<br>savings account to cover items presented for payment against non-sufficient funds to your designated checking account.<br>These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a<br>savings account allowed per calendar month per federal regulations<br><strong>How many checks can I write before extra fees are charged?<br></strong>There are no check writing privileges<strong> <br>How many withdrawals can I make each month? <br></strong>You can make a withdrawl everyday<strong> <br>Does this account pay interest? If so, what is the current rate?<br></strong>Yes the account pays interest. Depends on which account you buy&nbsp;</div><div><strong>Are there any other fees?<br></strong>No <strong><br></strong><br></div>]]></description>
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         <pubDate>2017-11-28 12:26:20 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843170</guid>
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         <title>About Savings </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843328</link>
         <description><![CDATA[<div><strong>What types of savings accounts are available?<br>-Regular Savings<br>-Holiday Savings Accounts<br>-Health Savings Accounts<br>-Club Accounts<br>-Coindexter Club<br>What are the current interest rates?<br></strong>0.10%</div><div>0.13%</div><div>0.18%</div><div><strong>Minimum balance for a savings account:</strong> There is none<br><strong>How many transactions can you have per month? </strong>every day<strong>&nbsp;</strong></div>]]></description>
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         <pubDate>2017-11-28 12:26:47 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843328</guid>
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         <title>About Savings</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843358</link>
         <description><![CDATA[<div><strong>What types of savings accounts are available?<br></strong>A. Regions Lifegreen Savings Account<br>B. Regions Saving account <br>C. Savings for Minors <br><strong>What are the current interest rates?<br></strong>0.10%<br>0.13%<br>0.18%<br><strong>Minimum balance for a savings account:</strong> <br>$300.00<br><strong>How many transactions can you have per month?<br></strong>Up to 6<br><strong>What are the fees for maintaining this account?<br></strong>Regions LifeGreen Account- No fee&nbsp;<br>Regions Saving Account- $5&nbsp;<br>Savings for Minors- No fee<br><br></div>]]></description>
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         <pubDate>2017-11-28 12:26:53 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843358</guid>
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         <title>About Savings </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843407</link>
         <description><![CDATA[<div><strong>What types of savings accounts are available?<br>-</strong>Smart Savings<br>-Smart Money Market <br>-IRA/ROTH<br>-Certificate of Deposit <strong><br>What are the current interest rates?<br></strong>Interest will accrue daily and be credited quarterly</div><div><strong>Minimum balance for a savings account:</strong>&nbsp; There is none <br><strong>How many transactions can you have per month?<br></strong>You can make daily transactions <strong><br>What are the fees for maintaining this account?<br></strong>There are no fees<strong>&nbsp;</strong></div>]]></description>
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         <pubDate>2017-11-28 12:27:01 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843407</guid>
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         <title>About Money Market</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843558</link>
         <description><![CDATA[<div><strong>What is the minimum balance requirements?<br></strong>Regions Money Market- $100<br>Platinum Relationship Money Market- $15,000 or more and regions checking account with direct deposit or a Regions checking account with a $2,500 minimum daily balance<br><strong>What are current rates?<br></strong>Compounded daily, paid monthly on a collected balance<br><strong>Are there limits on monthly withdrawals? If so, how many can you have?<br></strong>$15.00 per withdraw, transfer, or payment in excess of 6 per statement period<br><strong>How often does the interest on the account compound?<br></strong>Every day</div>]]></description>
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         <pubDate>2017-11-28 12:27:32 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843558</guid>
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         <title>About Money Market </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843664</link>
         <description><![CDATA[<div><strong>What is the minimum balance requirements?<br></strong>$2,500.00<strong><br>What are current rates?<br></strong>Up to 0.48% rate <strong><br>Are there limits on monthly withdrawals? If so, how many can you have?<br></strong>Yes, you can only make 6 withdrawals per month <strong><br>How often does the interest on the account compound?<br></strong>Every month</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-11-28 12:27:55 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843664</guid>
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         <title>About Money Market </title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843703</link>
         <description><![CDATA[<div><strong>What is the minimum balance requirements?<br></strong>There are no minimum balance requirements<strong><br>What are current rates?<br></strong>1.05% APY<strong><br>Are there limits on monthly withdrawals? If so, how many can you have?<br></strong>Yes, three per month <strong><br>How often does the interest on the account compound?<br></strong>Every month<strong>&nbsp;</strong></div>]]></description>
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         <pubDate>2017-11-28 12:28:03 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843703</guid>
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         <title>About Certificate of Deposit (CD)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843843</link>
         <description><![CDATA[<div><strong>Are there minimum balances required to open a CD?<br></strong>Balances required to open a Region's CD are $500 for terms of 90 days or more and $2,500 for CDs of 7-89 days<br><strong>What are the current rates of CD’s?<br>Term-</strong>28 months <br><strong>Interest Rate- </strong>1.00%&nbsp;</div><div><strong>Term-</strong>48 months <br><strong>Interest Rate- </strong>1.24%<br><strong>Term</strong>-70 months <br><strong>Interest Rate</strong>- 1.98%<br><strong>When can you take money out of a CD?<br></strong>After the account has matured<br><strong>What are the fees/penalties of CD’s?</strong><br>There were no specified fees, only that fees can reduce earnings&nbsp;<br><br></div>]]></description>
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         <pubDate>2017-11-28 12:28:33 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843843</guid>
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         <title>About Certificate of Deposit (CD)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843882</link>
         <description><![CDATA[<div><strong>Are there minimum balances required to open a CD? <br></strong>Only a $1,000 minimum deposit</div><div><strong>What are the current rates of CD’s?<br></strong>2.02% APY<strong><br>When can you take money out of a CD?<br></strong>Whenever but there will a fee for taking out money before the account matures</div><div><strong>What are the fees/penalties of CD’s? <br></strong>There are none<strong>&nbsp;</strong></div>]]></description>
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         <pubDate>2017-11-28 12:28:41 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210843882</guid>
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         <title>About Certificate of Deposit (CD)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210844005</link>
         <description><![CDATA[<div><strong>Are there minimum balances required to open a CD?<br></strong>Yes, $1,000<strong><br>What are the current rates of CD’s?<br></strong>2.25% APY<strong><br>When can you take money out of a CD?<br></strong>You have to wait till your account matures to take money out of it</div><div><strong>What are the fees/penalties of CD’s?<br></strong>There are none&nbsp;</div>]]></description>
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         <pubDate>2017-11-28 12:29:03 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/210844005</guid>
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         <title>Individual Retirement Account (IRA)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634297</link>
         <description><![CDATA[<div><strong>What types of IRA’s are offered?<br></strong>Traditional IRA and Roth IRA <br><strong>What is the minimum opening deposit?<br>Fixed rate- </strong>Can be opened with a minimum deposit of $250</div><div><strong>Money Market- </strong>Can be opened with a minimum deposit of $50</div><div><strong>18 Month Variable Rate- </strong>Can be opened with a minimum deposit of $250<br><strong>How much can you contribute annually?</strong><br><strong>Traditional IRA- </strong>$5,500 per year (for 2017) or the individual's taxable compensation for the year</div><div><strong>Roth IRA- </strong>$5,500 per year (for 2017) or the individual's taxable compensation for the year</div><div><br><br></div>]]></description>
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         <pubDate>2017-12-03 18:42:46 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634297</guid>
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         <title>Individual Retirement Account (IRA)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634896</link>
         <description><![CDATA[<div><strong>What types of IRA’s are offered?<br></strong>Traditional IRA and Roth IRA <strong><br>What is the minimum opening deposit?<br>$250.00<br>How much can you contribute annually?<br></strong>Was not mentioned on the website<strong>&nbsp;</strong></div>]]></description>
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         <pubDate>2017-12-03 18:47:18 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634896</guid>
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         <title>Individual Retirement Account (IRA)</title>
         <author>ebolaonfleek</author>
         <link>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634934</link>
         <description><![CDATA[<div><strong>What types of IRA’s are offered?<br></strong>Traditional IRA and Roth IRA<strong><br>What is the minimum opening deposit?<br></strong>$250.00<strong><br>How much can you contribute annually?<br></strong>N/A</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-03 18:47:33 UTC</pubDate>
         <guid>https://padlet.com/ebolaonfleek/financialliteracy11/wish/212634934</guid>
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