Thursday, July 21, 2011

Citilbank student loan for Undergraduate & Graduate Loans, Health Professions, Residency, Relocation, and Review Loans and Bar Exam Loans


For CitiAssist Loans, the interest rate charged is based on the applicants' credit scores and other factors. You may apply for a loan on your own. However, if you do not have an established credit history you may apply with a qualified co-signer to increase your chances for approval and potentially receive a lower interest rate. International borrowers must always apply with a U.S. citizen or permanent resident co-signer. Co-signers may be released from the loan if the borrower has made the first 24 consecutive monthly principal and interest payments by the due date and the loan must remain current while the request is processed. The borrower must meet credit underwriting requirements and be a U.S. citizen or permanent resident at the time the release is requested. The three-minute response is for applications submitted Monday to Friday from 7:00 a.m. to 11:00 p.m. E.T. Additional documentation and data verification may be requested for loan approval. Visit for up-to-date product information.
Citibank Student Loans at-a-glance

As education is an investment in your future, to think of it take exact step is the half success to  the way to future.

Figuring out how to pay for college can be challenging. Citi is here to help with a variety of ways to assist you in covering the cost of college.
CitiAssist® Undergraduate & Graduate Loans1
Private loans can cover up to the entire cost of education after federal funding falls short.

  • New lower interest rates —

To see APR examples Visit:
  • Zero origination fees.
  • Receive a 0.25% interest rate reduction when you enroll in our auto-debit payment program.
  • No payments required while in school or during the six-month grace period.

CitiAssist® Health Professions & CitiAssist® Residency, Relocation, and Review Loans1

Private loans for students pursuing advanced medical and dental degrees.

  • New lower interest rates — 
To see APR examples. Visit:

  • Zero origination fees.
  • Receive a 0.25% interest rate reduction when you enroll in our auto-debit payment program.
  • No payments required while in school, during the nine-month grace period, or during your residency.

CitiAssist® Law & CitiAssist® Bar Exam Loans1

Private loans for students pursuing advanced degrees in law.

  • New lower interest rates — 
To see APR examples Visit:
  • Zero origination fees.
  • Receive a 0.25% interest rate reduction when you enroll in our auto-debit payment program.
  • No payments required while in school or during the nine-month grace period.

For more information, please visit
Call 1-800-967-2400
Text Telephone (TTY) 1-800-846-1298

Apply now.

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Saturday, July 16, 2011

Easy banking solution for students with no fees and charges from Bank of America


Bank of America has brought some excellent and lucrative offers and Solutions of various monetary problems for Students.

Kinds of Student Banking that are available:
1. Solutions for Students
2. eBanking NEW
3. Credit cards
4. Savings accounts

Bank of America banking services feature checking accounts, savings accounts and credit cards designed just for you. Sign up for your banking account online in minutes and get banking with access to our Online Banking service with Mobile and Alerts, plus more than 18,000 ATMs.

Student Banking Resources are:

a. 529 Savings Plans
b. CDs
c. Search for scholarships
d. Build Your Plan For Education Financing
e. College Budget Planner
f. Borrowing Planner
g. Step-by-Step Financial Aid Planner
h. 529 Education Savings Plan

Bank of America has suspended the origination of federal student loans. We are no longer accepting applications for Stafford, PLUS,or Graduate PLUS loans. If you have questions about obtaining a new student loan, please contact your school's financial aid office. For questions about pending student loan applications, please call 1.800.344.8382.
Talk to a Specialist
Student Loans
Mon-Fri 8am-6pm
1. Solution for student:

The Solutions for Students is your source for convenient student banking. Are you over 18 years old? Open your account online in minutes.
What you get:

  • eBanking with no minimum balance requirements
  • Bank of America Debit Card with Total Security Protection® package including the Photo Security® feature
  • Online Banking Service with Mobile Banking 

1. Check your accounts from your cell phone with Mobile Banking Footnote 
2  Money management and budgeting tools
3. Online paperless statements and optional Bill Pay
4. Sign up for text and email alerts to notify you of important account activity 
  • Savings Account with Keep the Change® Footnote 4
Keep the Change® is an easy way to save. We round up your Debit Card purchases to the next dollar and transfer the difference from your checking to your savings account

  • Financial Education tools

Student Financial Handbook
Ultimate Money Skills

  • Convenient access to 18,000+ ATMs, all with no ATM fees, and 5,700 banking centers coast to coast

There's more great stuff:

  • Apply for a Bank of America® Student Platinum Plus® Visa® Credit card with 4 years of free Identity Theft Protection Footnote 5 - Learn about Student Platinum Plus® Visa®

  • Enroll in Add It Up™ Footnote 6 so you can earn up to 20% cash back on top of retailers' discounts - Learn more about Add It Up™
  • Get a custom debit card to show your passion with MyExpression® Checking

Rates and fees-
No monthly service charge when you choose online paperless statements and make your deposits and withdrawals online or by ATM, without a teller, otherwise the fee is $8.95 per month.
Open Online Now
Opening the Solutions for Students online is secure, fast and easy:

  • First, gather what you will need to open the account
  • Select your account, enter your personal information and choose a Learn more aboutfunding options. Link opens in a new Window.
  • After you complete the application, you will receive an email letting you know whether your application has been approved and any next steps you need to take

For your protection, your account documents and your Debit Card or ATM card will be delivered separately.

2. eBanking:
The checking account that suits a student's on-the-go lifestyle

  • No monthly service charge when you choose online paperless statements and make your deposits and withdrawals online or by ATM, without a teller, otherwise the charge is $8.95 per month
  • No minimum balance requirements
  • Get a Regular Savings account with no monthly service charge when you open a new personal checking account and enroll in Keep the Change® at the same time Footnote 1
  • Award-winning Footnote 2 Online Banking service

Optional Bill Pay service
Free transfers to and from other Bank of America customers
Free Account Alerts to manage your balance and help avoid fees
Mobile Banking Footnote 3
Reduce environmental waste with free online paperless statements
Free MyPortfolio™ lets you manage accounts from other financial institutions

  • Earn up to 20% cash back each time you use your debit card through Add It Up™ Footnote 4
  • Free enrollment in Keep the Change®
  • Bank of America Visa® Debit card
  • Access to 18,000+ Bank of America ATMs with no ATM fees

Rates & Fees-

  • No monthly service charge when you choose paperless statements and make your deposits and withdrawals online or by ATM, without a teller, otherwise the charge is $8.95 per month

Open Online-
Opening your account online is secure and easy.
1. Gather what you will need to open your account.
2. Select accounts and enter your personal information.
3. Agree to terms and conditions, and make your initial deposit.


3. credit card:
Bank of America® Student Platinum Plus® Visa® Credit Card

  • Start building your credit history
  • Student Identity Theft Protection for 4 years at no additional cost
  • Competitive APR†
  • No annual fee†

4. Student Savings Solutions
Features- A smart way to save

  • A great account to start your savings program
  • Online Banking Service with Mobile Banking
  • FDIC-insured

A convenient way to save for the future while you earn your degree.
Who it's for

  • Students with limited funds who want to open a savings account

Standard features

  • Open an account with only a $100 minimum opening deposit
  • FDIC-insured
  • Receive a monthly statement if you use an ATM, have transfers such as direct deposits, or have a combined statement

Regular Savings account flexible account options

  • Set up a monthly automatic savings transfer from your checking account

Easy account access and service

  • Access to more than 18,000 Bank of America ATMs nationwide and 5,800 banking centers coast to coast
  • View account virtually anytime with Online Banking Service

Rates & Fees-
Regular Savings Account

  • No monthly fee when you keep as little as $300 in your account each day; otherwise monthly maintenance fee of $5
  • No fee for three withdrawals per month, then $3 per withdrawal if minimum balance falls below $2,500

Regular Savings Account Interest rates
With a Regular Savings account, interest is compounded daily and paid monthly.
All Balances                             0.05 0.05
Account Services-
Online Banking

  • View account activity virtually anytime with Online Banking Service
  • Open a checking account online and use optional Bill Pay to pay all your bills in minutes from one simple site

Other online account services

  • Set up a monthly automatic savings transfer from your checking account
  • Existing customers can open a Regular Savings account or MyAccess Checking® account online using our convenient single–page Express Application.

ATMs & Banking Centers

  • Access to more than 16,700 Bank of America ATMs nationwide
  • Access to more than 5,800 banking centers coast to coast


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Services provided by the banks around USA


US banks are the most innovative and effective service provider to its clients and lots of people across the USA are utilizing their services and making their life comfortable and risk free. They are watching each other and the rest of the world, and contemplating what to do next.
Sevices Provided by US banks:

1. Personal Banking Services

The personal banking solutions of US banks are designed to provide the day-to-day banking requirements of consumers. Checking products are easy to operate and come with a host of added benefits like free internet banking, ATM/debit card facilities, online bill payment, monthly statement with image, low opening deposits, and many more. Loan products of American banks are offered in the forms of home equity loans, car loans, and personal loans. Certificates of deposit and passbook savings are the two most preferred forms of savings products.

2. Mortgage Services

Almost all banks offer an collection of mortgage services. These services are designed to take care of the diverse mortgage requirements of customers. Besides providing standard mortgage services, the US banks also offer mortgage calculators to help clients calculate their payment schedules, monthly payments, maximum mortgage amounts, extra payments, and more. Online mortgage services in the US help clients select the best deals. They also make the process of mortgage procurement quite simple and hassle-free.

3. Business Banking Services

The business banking services of US banks support active corporate clients. The business checking accounts take care of the financial requirements of all types of businesses. The common loan products under the business banking include commercial loans and construction loans. Commercial loans are offered for business operation, equipment, and commercial real estate purchases.

4. Other Products and Services

Among the other banking products and services, agricultural loan products and checking accounts of the US banks are worth mentioning. Agricultural loans help to purchase machinery, livestock, and real estate. Agricultural checking accounts are cheap and easy to operate.

5. Internet Banking Solutions

The internet banking solutions of the banks in the USA come with a number of facilities like checking balance, funds transfer, and bill payment at any point of time.

The Largest Banks in the US

The largest banks in the US ranked by deposits, according to FDIC, are:

  1. Bank of America
  2. JP Morgan Chase Bank
  3. Wachovia Bank
  4. Citibank
  5. Washington Mutual Bank
  6. SunTrust Bank
  7. US Bank
  8. Regions Bank
  9. Branch Banking and Trust Company
  10. National City Bank
  11. HSBC Bank USA
  12. World Savings Banks, FSB
  13. Countrywide Bank
  14. PNC Bank
  15. Keybank
  16. ING Bank, FSB
  17. Merrill Lynch Bank USA
  18. Sovereign Bank
  19. Comerica Bank
  20. 20. Union Bank of California

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Tuesday, July 12, 2011

Bank of America's Small Business Administration (SBA) financing programs


Small Business Administration Financing

  1. Lower payments and longer terms than other loans
  2. Qualify when you can't secure other credit
  3. All qualified applicants automatically considered

The Small Business Administration (SBA) has created a program of government-guaranteed loans designed to help give small businesses that may not otherwise qualify for credit get the funds they need. SBA loans make it possible to qualify businesses more easily and provide them with more flexible terms than conventional loan options, letting you preserve working capital for other expenses. Qualifying for an SBA loan is easier than qualifying for other loans. First, the SBA allows higher loan-to-value ratios. Depending on your loan request, you may be able to borrow up to 100% of your financing needs. Secondly, we can potentially offer longer finance terms with different payment options. This may be especially advantageous if your business is growing rapidly.
SBA loans can help growing businesses purchase or renovate real estate, acquire fixed assets such as heavy machinery or specialized equipment, or supply working capital for ongoing financing needs.

Who it's for

SBA loans are for businesses that are:

  • Owner-operated
  • For profit
  • Organized as a sole proprietorship, corporation, or professional partnership
  • Within the size guidelines designated by the SBA
  • Unable to secure other credit under reasonable terms

Patriot Express SBA loans are available to applicants who qualify for SBA, own more than 51% of the business and are either:

  • Veterans
  • Active Duty Military
  • Reservist or National Guard
  • Spouse of the above

Every qualified applicant for all business financing products will automatically be considered for our standard SBA loan, SBA Express or Patriot Express when applicable.

SBA Express/Patriot Express features

  • Available for amounts up to $350,000
  • Available as a line of credit or term loan
  • Designed to provide easy access to working capital and fund equipment purchases
  • Loans in excess of $100,000 secured by business or personal assets
  • Fixed or variable rates not exceeding 6.50% over prime rate (New York Prime rate)
  • Maximum term of 7 years
  • Fully and partially amortizing payment options
  • Small Business Administration fee does apply to all loans

For questions about an existing account, call:
Mon-Fri 7 am – 7 pm ET
Sat 7 am – 4 pm ET

Send your general inquiries to:
Bank of America Small Business Direct Sales
P.O. Box 25118
Tampa, FL 33622-5118

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Auto Loans with easy flexible competitive terms.


Auto Loans

The Fastest Route to Your New Wheels

Now is the time to move on that new or used car or truck. Don't let our great rates- pass you by!

With our auto loans, you'll enjoy:

  • Competitive interest rates
  • No down payment required
  • Flexible repayment terms
  • Same-day credit decisions
  • Low monthly payments

We offer vehicle financing for:

  • All types of new cars and light trucks (vehicles)
  • New vehicle loans from $3,000 to $50,000
  • Used vehicles loans from $3,000 to $50,000:
  1. up to seven years old
  2. with less than 100,000 miles
  • U.S. EPA Certified SmartWay® vehicles
  • Get a .50% rate reduction with our 

Other Vehicle Financing

U.S. Bank also offers financing for:

  • Motorcycles
  • Manufactured homes
  • ATVs
  • Snowmobiles
  • Personal watercraft
For information or to apply, call 888-444-BANK or 800-685-5065 

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