Two.
GMAC (yeah, the rates have been dropping like a dead bird in the sky).
UFB (now Huntington): This is my "escrow" account for my property tax. I deposit a monthly amount so that I have the money when the bill is due twice a year. I don't pay my mortgage company and rely on them to pay my taxes; why should they earn the interest instead of me? Although the interest rate has plunged here too.
Those days of 6% at HSBC seem so long ago ...
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No deposit, no return!
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