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Ouch.
GMAC was my planned fallback bank if E-Loan ever goes south on me. All of their recent rate drops, however, is making me consider a different bank. |
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Wow, this is a GREAT post!!! Does anybody know if any of these companys will open up an account without pulling a credit report? If not, which companys do a soft credit pull? Thanks and keep this great post going!!
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The easiest thing of all is to deceive one's self; for what a man wishes, he generally believes to be true. - Demosthenes |
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poundwise, thank yoou for doing one hell of a job with this thread!
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1/17/2007 rcpao
From OneUnited (actually di.ft.cashedge.com if you want to be picky): Your Overall Limit is the total available outstanding amount at a point in time for all types of transactions, including inbound/outbound transactions. Your Daily and Rolling 30 day limits still apply to each individual type of transaction as listed below. Your Overall Limit = $150,000.00 Daily Transfer Limit Standard INTO OneUnited $100,000.00 OUT OF OneUnited $20,000.00 Premium ($10.00 transaction fee for outgoing) INTO OneUnited $2,000.00 OUT OF OneUnited $2,000.00 Rolling 30 day Period Transfer Limit Standard INTO OneUnited $150,000.00 OUT OF OneUnited $40,000.00 Premium INTO $5,000.00 OUT OF $5,000.00 You can schedule whatever you like on the web form, but acceptance or denial due to limits comes later in an e-mail. If your request is accepted it you will also get an e-mail. I made two outgoing transactions of $20,000 each. They each took 5 business days to complete. You cannot schedule your next transaction until the previous has finished or you will get a cancellation e-mail saying you are over your daily limit. I do not believe these terms were in effect when I signed up or transferred my money in. I certainly did not get anything in the mail except quarterly statements. These terms were installed with the new Transfer Funds capability on their account site. It used to be you had to fill out a very long web form and wait for someone to do what you asked. This took a long time and was prone to errors since there was no positive feedback that you entered your account numbers correctly. The new way is more in line with current practice except for the wierd transfer limits. I would have expected terms like a money market of 6 withdrawls per month maximum (like eloan.com), but OneUnited seems unique with these terms. Bottom line: if you need access to lots of money quickly, avoid OneUnited. |
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__________________
The easiest thing of all is to deceive one's self; for what a man wishes, he generally believes to be true. - Demosthenes |
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But after ELOAN's drop there are still seven offerings greater than 5.25%, five of which are 5.30% or greater. Take a look at the first post in this thread. |
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Making a jump for less than 1/10th of a percent would probably take a long time to recoup any lost interest. Somebody needs to bust out a 6% offering.
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Update: 01/21/2007 Zions Bank down from 5.34% APY to 5.30% APY UFBDirect (High-Yield) down from 5.32% APY to 5.31% APY Capital One (High-Yield) up from 4.80% APY to 5.00% APY To view the complete listing click here. |
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