Zions Bank Direct Deposit: Fill & Download for Free

The best online savings accounts have a combination of high interest rates and great customer service. Savings accounts, particularly high-yield savings accounts, are best for money you might need within a year — any amount that you don’t want to subject to the short-term risk and volatility in the stock market. Your emergency fund should primarily consist of money held in a high-yield savings account. “High-yield” is unfortunately a bit of a misnomer these days; a decade ago, interest rates were 4% and 5% among select savings accounts and money market accounts. Today, the best rates are all below 2%.Interest rates are important because money shouldn’t lose too much purchasing power. Interest rates should beat inflation while preserving the balance without risk. Many banks are not now offering a savings option with interest rates high enough to meaningfully beat inflation, so if your savings is at a brick and mortar bank earning below 0.5% APY, choose one of the better options below.There are two important factors of customer service. The best banks offer all account maintenance and transfers through a professional, reliable, and easy-to-navigate website. Secondly, live customer service representatives should be knowledgeable, helpful, and available, although customers should have to deal with a representative infrequently if at all.Based on my own experiences and reviews from other Consumerism Commentary readers, here are my favorite and most-recommended accounts for short-term savings. All of the listed interest rates are current as of July 2011, but they are subject to change by the banks. Although I have nine accounts listed below the table of rates, you don’t need to have accounts with that many different banks. Choose one that fits you the best.First, here is a list of the latest interest rates. Following this table, I offer a few of my own observations and opinions about savings accounts from nine popular online banks.Account TypeTermAmountSavings Account -$10,000 - $24,999Account TypeAmountCDMMASavings Account- Amount -< $10,000< $25,000< $50,000< $100,000 $100,000+InstitutionTypeRateAPYMin. toEarn APYAdvertiser CommentsSavings1.08%1.09%$0No minimum deposit to open.Member FDIC.Learn MoreUpdated 7/8/2011Call NowSavings1.00%1.00%$0Member FDIC. No minimums and no fees.Learn MoreUpdated 6/24/2011Call NowSavings0.85%0.85%$1Named Best Place to Park Your Emergency Cash by Money Magazine.Learn MoreUpdated 6/24/2011Call NowING DIRECTUpdated 6/24/2011Savings1.00%1.00%$0Save your money with ING DIRECT. High Interest. No Fees. No Minimums.Learn MoreMoney market rates and savings account rates provided by MoneyRates.com. Add Your Listing HereRates/APY terms above are current as of the date indicated. The quotes above are from banks and thrifts, all of which have paid for a link to their website. Bank and thrift deposits are insured by the FDIC. Rates are subject to change without notice and may not be the same at all branches.Discover Bank offers a solid savings account with a fast opening process; my account was opened in 24 hours. The current interest rate for Discover Bank is 1.15% APY.Zions Bank offers CDs, IRA CDs, savings accounts, and checking accounts, all with great interest rates. Currently, an online savings account will earn customers a 1.01% APY. Zions Bank is publicly traded under the NASDAQ stock symbol ZION.Ally Bank was selected by Kiplinger Magazine as the best savings account for 2009. Currently, Ally Bank sports an interest rate of 1.09% APY as of July 9, 2011.EverBank has a variety of products including a high yield checking account, a money market account, and world currency CDs, all with top of the line interest rates. Currently, their money market account yields an interest rate of 1.01% APY and their high yield checking account has an interest rate of 1.01% APY.ING Direct offers no fees and no minimum balance requirement. ING Direct has a great website and I’ve never had any customer service problems. My favorite feature is the ability to split your account into several labeled sub-accounts. ING Direct holds a current interest rate of1.00% APY.New for June 2011: Capital One has purchased ING Direct.FNBO Direct offers no fees and no minimum balance requirement. Rated best online savings account for 2008 by Kiplinger Magazine, FNBO Direct is the online arm of First National Bank of Omaha. FNBO has an interest rate of 0.85% APY.American Express offers an online personal savings account from the company’s banking division that rivals the best banks. Today, the account offers an interest rate of 1.00% APY.SmartyPig currently sports one of the best interest rate you can find online at 1.10% APY. In addition to the high interest rate, you can also convert your savings goals into gift cards and earn an additional bonus for each gift card conversion.Sallie Mae is now offering a high-yield savings account boasting no fees and no minimum balance. The process to open a savings account takes less than ten minutes and the current interest rate is 1.10% APY.HSBC Advance offers no fees and no minimum balance requirement. HSBC Advance (formerly HSBC Direct) entered the race with one of the highest interest rates ever available at 6% APY. Since then, HSBC Advance has continued to be towards the top of any list of online bank accounts. HSBC Advance has an interest rate of 0.80% APY.

7 Best Banks and Credit Unions for Mobile BankingAMBER MURAKAMI-FESTERJan. 23, 2019Banking, Banks & Credit Unions[At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.Mobile banking can give you access to financial services anytime you want them. With banking apps — or a bank website — on your phone or tablet, you can complete many common tasks, including checking your account balance, finding nearby ATMs and depositing a check by snapping a photo.Here are banks and credit unions with the best mobile banking experiences. To compare a wider range of banks, see our roundup of best banks and credit unions.+ See a summary of our best banks and credit unions for mobile bankingSimpleBEST MOBILE-FOCUSED BANK (TIE)LEARN MOREat Simple,Deposits are FDIC InsuredSimple gets good user reviews for its Android and iOS apps, which let you track expenses and set money goals. Although it currently offers only a checking account, that account comes with perks, including ways to set up savings goals. And it’s fee-free. It also has a Safe-to-Spend feature that lets you know how much you have left after taking into account your goals, bill payments and scheduled future transactions. That’s a step up from the usual “available balance” provided by other bank apps.» Ready to make a change? Here’s how to switch banksChimeBEST MOBILE-FOCUSED BANK (TIE)LEARN MOREat Chime,Member, FDICChime is a mobile-only bank, so it makes sense that it would have good reviews for its iOS and Android apps. It keeps customers informed with balance updates and real-time spending alerts, and it rounds up each transaction and deposits the difference in your savings account. Your money won’t earn much interest there, but you won’t pay any fees with Chime, either. The bank doesn’t charge overdraft or monthly service fees, and nor are there foreign transaction fees.DiscoverBEST ONLINE BANK (TIE)LEARN MOREat Discover Bank,Member, FDICWith only one branch, Discover is primarily an online bank. It has an attractive reward checking account with no monthly fees and cashback on debit card purchases. It's Android and iOS banking apps are also strong. They offer standard mobile banking services, such as bill pay, money transfer, and mobile check deposit, and earn high ratings in app stores. The mobile banking apps also give Discover credit card customers the ability to freeze and unfreeze their accounts if their card is misplaced. As a customer, you can use the app to notify Discover when you travel to make sure there are no hiccups with card use.Charles SchwabBEST ONLINE BANK (TIE)READ REVIEWSchwab is primarily known as a brokerage, but it’s also a low-fee bank with perks for international travelers, including unlimited ATM reimbursements. Its highly-rated apps support mobile check deposit and bill pay. You can also use the app to open a new brokerage or bank account, and it can let you monitor all your accounts in one place.ChaseBEST BIG BANK (TIE)LEARN MOREat Chase,Member, FDICChase’s mobile app offers all the essentials: mobile check deposit, a branch and ATM locator and bill pay.Chase gets consistently high reviews on both iOS and Android platforms and has branch and ATM coverage in nearly 30 states and Washington, D.C.Capital OneBEST BIG BANK (TIE)READ REVIEWCapital One isn’t just home to highly rated checking and savings accounts that earn interest — it has a robust mobile banking platform, too. The app has all the standard functions of mobile banking, like mobile check deposit, bill pay and the ability to send money to other people in the U.S. It also adds a layer of security with Touch ID or SureSwipe, a custom pattern that you draw with your finger when signing in to the app. Both iOS and Android users give Capital One high star ratings.Alliant Credit UnionBEST CREDIT UNIONLEARN MOREat Alliant Credit Union,Federally insured by the NCUAAlliant’s app checks all the usual boxes: ATM locator, transaction history, bill payments and balances on demand. But its mobile deposit and money management tools are especially member-friendly. There’s an unusually high daily limit of $50,000 for depositing checks through the app. And the charts and graphs in the money management tool let users analyze their spending habits and keep tabs on budget categories.7 best banks and credit unions for mobile bankingBankNotable characteristicsLEARN MOREat Simple,Deposits are FDIC InsuredSavings and budgeting toolsLEARN MOREat Chime,Member, FDICAutomatic and roundup savings optionsLEARN MOREat Discover Bank,Member, FDICHigh ratings and rewards perksREAD REVIEWUnlimited ATM reimbursements worldwideLEARN MOREat Chase,Member, FDICWide branch accessREAD REVIEWHigh APYs and advanced mobile app securityLEARN MOREat Alliant Credit Union,Federally insured by the NCUAHigh APYs and the high daily limit for depositing checksMETHODOLOGYWe took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.Financial institutions surveyed include Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, America First Credit Union, American Express, Aspiration, Associated Bank, Axos Bank, Bank5 Connect, Bank7, Bank of America, Bank of the West, Barclays, BB&T, BBVA, Boeing Employees Credit Union, BMO Harris, Capital One 360, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens Access, Citizens Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, E-Trade, Fidelity, Fifth Third Bank, First National Bank, First Tech Federal Credit Union, GoBank, Golden 1 Credit Union, GS Bank, HSBC Bank USA, Huntington Bank, KeyBank, MetaBank, M&T Bank, Moven, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Radius Bank, Redneck Bank, Regions Bank, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, Simple, State Employees’ Credit Union of North Carolina, State Farm Bank, Suncoast Credit Union, SunTrust Bank, Synchrony Bank, TCF Bank, TD Bank, TIAA Bank, Union Bank, UFB Direct, USAA, U.S. Bank, Varo, Wells Fargo, and Zions Bank.]

Antisemitism was prevalent throughout the world, through history.While the German Nazis were not singular to it, their approach was. That is, during the reign of Nazi Germany, Jews were systematically discriminated against worldwide.“Antisemitism (also spelled anti-Semitism)—prejudice, hatred of, or discrimination against Jews has experienced a long history of expression since the days of ancient civilizations, with most of it having originated in the Christian and pre-Christian civilizations of Europe.While it has been cited as having been expressed in the intellectual and political centers of ancient Greece and the Roman Empire, the phenomenon received greater institutionalization within European Christianity following the dissolution of the ancient center of Jewish culture, Jerusalem, resulting in the forced segregation of Jewish populations and restrictions on their participation in the public life of European society at times.”Antisemitism in Europe - Wikipedia“The ghetto system began in Renaissance Italy in July 1555 with Pope Paul IV's issuing of the Cum nimis absurdum. This change in papal policy implemented a series of restrictions on Jewish life that dramatically reshaped their place in society. Among these restrictions were the requirement of Jews to identify themselves by wearing a yellow badge, restrictions on the ownership of property, restrictions in commerce, and tighter regulations on banking. However, the most visible of these restrictions was the requirement of Jewish communities to reside in sectioned off, sanctioned neighborhoods known as ghettos.[3] The formation of the ghetto system also brought changes to Jewish economic activity. As a result of the Cum nimis absurdum regulations and the increasing complexity of the early modern economy, the role of Jews as money lenders became more difficult and less profitable. This as well as the fact that ghettos were often located at the town commercial centers drove Jews away from money lending and towards the role of second-hand merchants. In this role, Jews were forbidden from selling anything considered vital to life such as food or other high value commodities, so they gravitated towards reselling secondhand goods in the form of pawn shops.[4] Some scholars, however, have argued that this shift in papal policy inadvertently ended up improving some aspects of the Jewish experience relative to the medieval period. Jewish historian Robert Bonfil has argued that the formation of ghettos acted as a sort of middle ground between acceptance and expulsion by the Christian authorities. Following the formation of the ghetto system, there was a sharp decline in incidents such as pogroms, forced expulsion, and accusation of ritual murder that were common during the medieval period.[5]”Jewish ghettos in Europe - Wikipedia“In much of Europe during the Middle Ages, Jews were denied citizenship and its rights, barred from holding posts in government and the military, and excluded from membership in guilds and the professions. To be sure, some European rulers and societies, particularly during the early Middle Ages, afforded Jews a degree of tolerance and acceptance, and it would be an error to conceive of Jews as facing an unchanging and unceasing manifestation of anti-Jewish oppression throughout this period. “Anti-Semitism - Anti-Semitism in medieval EuropeIn Russia, as early as 1881 they began ‘pogroms’.“Pogrom is a Russian word which, when directly translated, means “to wreak havoc.” Pogroms typically describe violence by Russian authorities against Jewish people, particularly officially-mandated slaughter, though the word has been extended to the massacres of other groups as well. A result of widespread and longterm anti-Semitism, Jewish people became the scapegoat for the misfortunes of others, or were blamed for violent or political acts.”PogromsJews began banking practices as they were denied participation in guilds, professions and government positions.“Jews could not hold land in Italy, so they entered the great trading piazzas and halls of Lombardy, alongside local traders, and set up their benches to trade in crops. They had one great advantage over the locals. Christians were strictly forbidden the sin of usury, defined as lending at interest (Islam makes similar condemnations of usury). The Jewish newcomers, on the other hand, could lend to farmers against crops in the field, a high-risk loan at what would have been considered usurious rates by the Church; but the Jews were not subject to the Church's dictates.[citation needed] In this way they could secure the grain-sale rights against the eventual harvest. They then began to advance payment against the future delivery of grain shipped to distant ports. In both cases they made their profit from the present discount against the future price. This two-handed trade was time-consuming and soon there arose a class of merchants who were trading grain debt instead of grain.The Jewish trader performed both financing (credit) and underwriting (insurance) functions. Financing took the form of a crop loan at the beginning of the growing season, which allowed a farmer to cultivate (through seeding, growing, weeding, and harvesting) his annual crop. Underwriting in the form of a crop, or commodity, insurance guaranteed the delivery of the crop to its buyer, typically a merchant wholesaler. In addition, traders performed the merchant function by making arrangements to supply the buyer of the crop through alternative sources—grain stores or alternate markets, for instance—in the event of crop failure. He could also keep the farmer (or other commodity producer) in business during a drought or other crop failure, through the issuance of a crop (or commodity) insurance against the hazard of failure of his crop.Merchant banking progressed from financing trade on one's own behalf to settling trades for others and then to holding deposits for settlement of "billette" or notes written by the people who were still brokering the actual grain. And so the merchant's "benches" (bank is derived from the Italian for bench, banca, as in a counter) in the great grain markets became centres for holding money against a bill (billette, a note, a letter of formal exchange, later a bill of exchange and later still a cheque).These deposited funds were intended to be held for the settlement of grain trades, but often were used for the bench's own trades in the meantime. The term bankrupt is a corruption of the Italian banca rotta, or broken bench, which is what happened when someone lost his traders' deposits. Being "broke" has the same connotation.”History of banking - WikipediaIn the US, Henry Ford expressed antisemitism as he felt that bankers were one of the economic powers that Jews wielded. So he began his own newspaper in opposition of them.“Experts say “The International Jew,” distributed across Europe and North America during the rise of fascism in the 1920s and ‘30s, influenced some of the future rulers of Nazi Germany.In 1931, two years before he became the German chancellor, Adolf Hitler gave an interview to a Detroit News reporter in his Munich office, which featured a large portrait of Ford over the desk of the future führer. The reporter asked about the photo.“I regard Henry Ford as my inspiration,” Hitler told the News.”Henry Ford and the Jews, the story Dearborn didn’t want told“The Dearborn Independent would, most likely, have remained a sidebar in Ford’s biography were it not for a controversial series that began on May 22, 1920 and lasted for several years. Appearing on the front page every week, “The International Jew: The World’s Problem” examined a purported conspiracy launched by Jewish groups to achieve world domination. The basis for the articles was an ancient and notorious forgery, The Protocols of the Elders of Zion, an anti-Semitic hoax, first published in Russia in 1903.His anti-Semitic beliefs formed along several strands from his upbringing, attitudes, and personal beliefs. They were also influenced by current populist political sensibilities that advocated a distrust of financiers, bankers and institutions of economic power. A common stereotype at the time led some people to assume that Jews controlled the international banking system; that belief may have fed his anti-Jewish feelings.”Henry Ford and Anti-Semitism: A Complex StoryAntisemitism is alive and well in various countries today and not just in the Middle East, but Europe as well.The Alarming Rise of Anti-Semitism in Europe“Threats and violence from radicalized Islamists have led to heightened security measures for Jewish organizations in France. French soldiers are protecting Jewish schools, kindergartens, community centers, and other Jewish institutions. In addition to terrorism, there are a number of other factors that have led to increased antisemitism in France. This article discusses data on antisemitic incidents and surveys on antisemitic attitudes in France. While there is a clear rise in antisemitic incidents, the trend in antisemitic attitudes is less clear. Levels of antisemitic attitudes are particularly high among Muslims, the far-right, and also the far-left, but not necessarily among the general French population. However, the rise of antisemitism has hit observant Jews more than non-observant Jews and it has led to changes in behavior, including in the display of religious signs and avoidance of places of worship. Many French Jews today question their future in France.”The Effects on French Jews on JSTOR“Attacks on Jews doubled in the U.S. from 2017 to 2018, according to the Anti-Defamation League (ADL) in New York City. That included the shooting in Pittsburgh’s Tree of Life synagogue last October, which killed 11 worshippers.But the trend is especially pronounced in Europe, the continent where 75 years ago hatred of Jews led to their attempted extermination. The numbers speak plainly in country after country. For each of the past three years, the U.K. has reported the highest number of anti-Semitic incidents ever recorded. In France, with the world’s third biggest Jewish population, government records showed a 74% spike in anti-Semitic acts between 2017 and 2018. And in Germany, anti-Semitic incidents rose more than 19% last year. The findings prompted Germany’s first anti-Semitism commissioner to caution Jews in May about the dangers of wearing kippahs, the traditional skullcaps, in public.Unsurprisingly, many Jews in Europe feel under assault. In an E.U. poll of European Jews across the Continent, published in January, a full 89% of those surveyed said anti-Semitism had significantly increased over five years. After polling 16,395 Jews in 12 E.U. countries, in a separate survey, the E.U.’s Fundamental Rights Agency concluded that Europe’s Jews were subjected to “a sustained stream of abuse.” With the decade drawing to a close, 38% of those surveyed said they were thinking about emigrating “because they no longer feel safe as Jews,” says the E.U. report.”Europe's Jews Are Resisting a Rising Tide of Anti-Semitism