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Personal Loans

- Monday, March 19, 2018 No Comments
When it comes to borrowing money for practically any reason, a Southern Personal Loan is a great choice. After all, what is Southern Hospitality if we aren’t lending you a hand? With flexible terms and borrowing limits, we work with you to find a loan that fits your needs. The loans may be secured or unsecured. We make financing convenient and affordable with set monthly payments and fixed interest rates. Learn more about your loan options:





  • Cash Reserve
  • Vehicle Leasing
  • Home Equity Line
  • Credit Cards
  • Automotive


Ash Reserve Line of Credit*


In case of an emergency or accidental overdraft, Cash Reserve can be a lifesaver. Just write a check and write yourself a loan anytime, anywhere.

Get an automatic line of credit built right into your checking account to cover overdrafts.
Use your own checks or make a loan directly from your reserve account with special Cash Reserve checks.

There is no charge to establish a Cash Reserve. – Finance charges only accrue when you use it.
Funds are advanced to your checking account in the amount that you need.
Reserve Plus Line of Credit*
This has all the advantages of Cash Reserve, plus larger lines of credit are available at lower interest rates. The variable interest rate you pay is based on the amount of credit line approved and is tied to Southern Bank’s prime rate.

Home Equity Line


A Southern Bank EquityLine allows you to borrow using the equity you’ve built in your home and taking advantage of the current low rates, as well as the potential tax deductibility. Pay for you child’s education, buy a car, renovate the kitchen or take that second honeymoon you’ve been dreaming about by writing an EquityLine check.

This post written by Mohi Uddin
Admin
Link World Article

Visa Platinum Credit Card

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The Southern Bank Visa Platinum Credit Card offers competitive rates with a wide range of valuable features, safety benefits and the option to earn rewards.

Purchase APR 1 of 10.99%-21.99% based on your creditworthiness
No annual fee
Earn rewards with optional enrollment in BankMiles®2
Cell phone protection 3 when you pay your monthly cell phone bill with your eligible Southern Bank. and this cellphone must need to reset code of any kind of visa or master card's.




Visa Platinum Credit Card

Instant cash advances at any ATM (PIN required)
Set up recurring bills to be paid automatically each month using your Visa card 4
Travel and Emergency Assistance Services 3
Auto Rental Collision Damage Waiver 3
Replacement of lost or stolen cards and zero liability for promptly reported fraud
Exclusive Visa discounts
Normal credit approval applies.

1. APR (Annual Percentage Rate) – The Prime Rate used to determine your APR is the Prime Rate as published in The Wall Street Journal on the last business day of the preceding calendar month. The current Prime Rate as of 10/20/2014 is 3.25% and may vary. The transaction fee for cash advances is $5 or 3% of the amount of the cash advance, whichever is greater. The transaction fee for foreign transactionsis 2% of each transaction after conversion to U.S. dollars.

2. Optional BankMiles membership requires an annual fee of $50 which will be charged to your Southern Bank credit card upon enrollment. At that time, 2,500 bonus points will be credited to your BankMiles account.

3. Cellular Telephone Protection, Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver provided by Visa®. Certain terms, conditions and exclusions apply. Please refer to your Visa Guide To Benefit for further details.

4. If using a credit card, you can avoid incurring finance charges on these monthly bills by paying the amount of the bill charged in full each month.


Tiered Insured Money Market Savings (TIMMS)

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Tiered Insured Money Market Savings

Money market accounts deliver a better interest rate on your savings, with easy access to your funds. Since the interest rates are tiered, the higher your balance, the more you earn. Unlimited withdrawals and transfers in person or at an ATM make it a superior way to save, without tying up your money. Southern Bank offers two types of money market savings accounts.




Tiered Money Market Savings – Minimum opening deposit of $1,000.
Premium Tiered Money Market Savings – Minimum opening deposit of $25,000.

Federal regulations impose certain withdrawal limitations on Money Market Savings Accounts. You are not permitted to make more than six (6) preauthorized transfers, automatic or telephonic transfers or withdrawals from a Money Market Savings Account per statement period. “Telephonic” transfers or withdrawals include those made through a phone system, an online banking service, or personal computer. No more than three (3) of the six (6) may be payments by check, draft, debit card, or similar order payable to a third party. There is an additional charge for excessive transfers or withdrawals. You may make unlimited withdrawals in person or through an ATM (non-Southern Bank ATM fees will apply). We are required by law to close or change your account if you repeatedly exceed these limits.

Premium Insured Money Market (PIMMS)

Public Insured Money Market Checking is a commercial analysis account, which means that the account is charged a service charge on analysis basis. This method of determining service charges takes into consideration account balance and account activity.

Available only to public institutions
Unlimited check-writing
If the daily collected balance is $1,000 or greater, interest is computed at the Money Market rate for the account. If less than $1,000, the rate paid for that day will be the Checking with Interest rate.

Ask your questions here

This post written by 
Mohi Uddin
Admin
Link World

Service of Southern Bank

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From this article, you will be informed about all service of  Southern Bank .

Personal Savings

When you open a Savings account with Southern Bank, you are making a great investment. Our Personal Savings offer the best benefits; from Christmas Club to Money Market Savings to Individual Retirement Accounts, Southern Bank has it all. When it comes to saving, we know what’s important. We work to offer you the best savings options, because you’re important to us. Take a look at what Southern Bank Personal Savings Accounts can offer you today:

  1. Regular Savings
  2. Christmas Club
  3. IRAs
  4. TIMMS
  5. PIMMS


Regular Savings


Perfect for those just starting to save, you can open a Regular Savings account with a low initial deposit. Interest is compounded daily and credited to your account monthly. Use your Visa Check Card or ATM card to make deposits, withdrawals or transfers.

Federal regulations impose certain withdrawal limitations on Regular Savings Accounts. You are not permitted to make more than six (6) preauthorized transfers, automatic or telephonic transfers, or withdrawals from a Regular Savings Account per statement period. “Telephonic” transfers or withdrawals include those made through an automated phone system, an online banking service, or personal computer. No more than three (3) of the six (6) preauthorized transfers may be made by check, draft, debit card, or similar order payable to a third party. There is an additional charge for excessive transfers or withdrawals. You may make unlimited withdrawals or transfers in person or through an ATM (non-Southern Bank ATM fees will apply). We are required by law to close or change your account if you repeatedly exceed these limits.


Individual Retirement Accounts (IRAs)


Individual Retirement Accounts are a great way to start saving for your future. Southern Bank has a great selection of tax-deferred IRA investments to suit your needs. Select from:


Traditional IRAs

These investments have been popular with many Americans for years. In many cases, the contributions are tax deductible and the earnings are tax-deferred until retirement.

Roth IRAs

The earnings are Tax-Free, as opposed to tax-deferred at retirement, while contributions are made with after tax dollars.

SEPs

Simplified Employee Pensions allow greater flexibility and higher contribution limits than IRAs. Self-employed individuals and small business owners prefer SEPs.

Coverdell Education Savings Account

This savings account allows you to contribute up to $2,000 per child per year for use with secondary and post secondary educational expenses. Contributions are after-tax, and earnings are Tax-Free.

SIMPLEs

Savings Incentive Match Plans for Employers are salary deferral plans that allow businesses to make matching contributions to their employees’ accounts. SIMPLE accounts are specifically designed for small businesses.

Ask your question here

Estate Planning

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Ensuring Your Wishes are Honored


Your Last Will and Testament ensures your final wishes are honored, providing the management and distribution of assets upon your death. In fact, planning your will and estate is one of the most important steps you can take to protect your loved ones. During the process, it’s also important to choose an executor, or the person you wish to handle your estate.



Choose an Executor With Expertise




Apollo Trust can be named as executor of your estate, so you can feel comfortable that every aspect of your estate plan is carried out. Anyone can be named as your executor – and there is a natural tendency to name a relative or close friend – the responsibility requires time and expertise and can be overwhelming to many. We hope you consider Apollo Trust for this important role.

Naming Apollo Trust as your executor ensures you’ll have experienced, neutral, and efficient professionals dedicated to administering your estate responsibly. We’ll work hard to make the process as pain-free and easy as possible, working closely with your beneficiaries.

As a professional executor, Apollo Trust will receive the same fees as an individual executor, but will have the ability to provide a much higher level of expertise.

Trusts

Distributing Assets to Loved Ones


A Trust provides managed distribution of your assets while you are living (a living trust) or upon your death (testamentary trust/trust under will). Trusts specify the provisions for investment management and distribution, while assets are held according to your wishes. Trusts can also serve other purposes, like caring for minors or beneficiaries with special needs; providing educational funds for grandchildren; or giving support for charitable organizations.

Choose a Professional, Responsible Trustee


Your trustee will be responsible for distributing assets to beneficiaries according to your directions. It can be a complex task requiring both financial and legal expertise.

Rest assured, if you need assistance, we can serve as professional trustee for you. Our role will be to impartially invest, manage, and distribute trust property, giving you added peace of mind.

Trust Services:


Living Trusts
Testamentary Trusts
Educational Trusts


Ask your questions here - Answers Mode


Posted My Mehedi Hasan
itinfoworld.com

Investment Services of Bank

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Personalize Your Investment Strategy


Apollo Trust provides access to full-service Investment Services through Infinex Investments, Inc. – a broker-dealer that focuses on your unique needs. Through Infinex, individuals, corporations, small businesses, foundations, and nonprofit organizations can take advantage of many investment options. Our Infinex advisors can provide guidance you need to help you earn the most on your investments – now and in the future.




Design Your Portfolio Based on Objectives and Risk Tolerance


Your personal portfolio is determined by your investment objectives and risk tolerance, and strategies can range from conservative to aggressive. With expert guidance, you’re able to choose from an array of investment choices, including mutual funds and individual securities, such as equities and fixed income investments.

Brokerage


Full-Service Brokerage


Apollo Trust provides access to full-service Brokerage Services through Infinex Investments, Inc. – a broker-dealer that focuses on your unique needs. Our Financial Advisor, John Kinney, will take a straightforward, comprehensive approach to your brokerage requests. The process begins with listening and understanding your thoughts, goals, tax considerations*, and risk tolerance. John can also assist with choosing from a range of financial options personalized to meet your needs.


Strategies Tailored Just For You


Once we’ve determined how your investment plan will integrate into your existing portfolio and impact your long-term financial plans, John can help implement your investment strategy. He can also suggest an investment vehicle or mix of products to help maximize your overall plan.


Serving All of Your Investment Needs:


Mutual Funds – more than 4,000 different funds available
Stocks – select from stocks listed on the New York Stock Exchange, Nasdaq, or traded Over-the-Counter
Bonds – choose from tax-exempt municipal, U.S. Treasury, Agency or corporate
Life Insurance – Traditional, Variable, or Universal plans
Tax-Deferred Annuities – choose from fixed or variable
Trusts & Estate Planning – full service plans, long-term service


Retirement Planning


Planning for the Future

Serving the Kiski Valley, we know you and your unique, often changing needs. We can also help you plan for a comfortable retirement. Visit John Kinney, our Financial Advisor, located at Apollo Trust. John can discuss your needs and goals and help you prepare a strategy.

Using a mix of products through Infinex Investments, Inc., John can help you save for retirement and maximize your savings today. He can also explain how your retirement plan will integrate into your existing portfolio and its impact on other long-term financial plans.


Diversify with an IRA


Individual Retirement Accounts (IRAs) are a specific savings plan that allow you to enjoy tax- deferred earnings on contributions today, and in some cases, a tax-deduction. (Please consult your tax advisor.) IRAs are also an excellent savings tool to help you build funds for retirement.

Traditional IRAs
Self-Directed IRAs
Roth IRAs
IRA Rollovers
SEP-IRAs
Life Insurance & Annuities

As part of your plan, it’s important to consider appropriate life insurance coverage to protect your loved ones. Long-term annuities are also available to help build your wealth and plan for the future.

Life Insurance – Traditional, Variable, or Universal plans
Tax-Deferred Annuities – choose from fixed or variable


Google introduces new Chromebook, low Price

- Friday, March 9, 2018 No Comments
Google introduces new a Chromebook which is a fast. This new computer that takes you online wherever you are, whenever you want. Use this Chromebook anywhere with all-day battery life, 3G built-in and a full-sized keyboard. Price Starting at $299.


Google introduces new Chromebook, low Price


The Price of google new chromebook starts from only $299.  Now chromebooks are only available in USA & UK.  Details specification of three models are given below:

1. Samsung Series 5 550




  1. 12.1″ (1280×800) display
  2. 3.3 lbs / 1.48 kg
  3. 6 hours of continuous usage
  4. Intel® Core™ processor
  5. 4 GB RAM
  6. Built-in dual band Wi-Fi 802.11 a/b/g/n, Gigabit ethernet, and 3G modem (opt)
  7. 1
  8. HD Camera
  9. 2 USB 2.0 ports
  10. 4-in-1 memory card slot
  11. DisplayPort+ Output (compatible with HDMI, DVI, VGA)
  12. Price Starts at : $499



2. Acer AC700




  1. 11.6″ (1366×768) display
  2. 3.19 lbs/1.45 kg
  3. 6 hours of continuous usage
  4. Intel® dual-core Atom Processor N570
  5. 2 GB RAM
  6. Built-in dual-band Wi-Fi and 3G modem (opt)1
  7. 2 USB 2.0 ports
  8. 4-in-1 memory card slot
  9. HDMI port
  10. HD Webcam
  11. Bluetooth 3.0™ Compatible
  12. Price Starts at : $299




Samsung Series 5




  1. 12.1″ (1280×800) display
  2. Starting at 3.06 lbs / 1.38 kg 1
  3. Up to 8.5 hours of continuous usage 2
  4. Intel® dual-core Atom Processor N570
  5. 2 GB RAM
  6. Built-in Webcam3
  7. 2 USB 2.0 ports
  8. 4-in-1 memory card slot
  9. Micro-VGA port with VGA adaptor
  10. Built-in dual-band Wi-Fi and 3G modem (opt) 3
  11. Price starts at: $349


Thanks. for being with us. keep an eye here to get new updates on technology.


Know about VA personal loans details

- Wednesday, March 7, 2018 No Comments

VA loan for disabled veterans


A VA Loan is a federal program for veterans, members of the military, or a surviving spouse of a veteran purchasing a primary residence. A VA loan allows a qualified borrower to finance 100% of the home’s value and purchase with no down payment

This article may useful for you:
Currency & Interest Rate







  • Purchase
  • Primary Home only
  • 100% with no down payment and sufficient eligibility
  • No monthly mortgage insurance
  • Funding fee may be financed into the loan
  • Unlimited seller contribution toward buyer’s closing cost
  • Gift funds allowed
  • Refinances
  • Primary residence only unless it is an Interest Rate Reduction Refiance Loan (IRRRL)
  • 90% of appraised value plus funding fee
  • There must be an existing lien on the property that will be paid off
  • Interest Rate Reduction Refinance Loan (IRRRL)
  • Refinance of existing VA loan
  • New loan may include payoff of current VA mortgage and closing costs
  • Appraisal not required
  • Purpose is to reduce the interest rate, shorten the term or convert adjustable loan to fixed loan
  • Current VA mortgage cannot be delinquent
  • No late mortgage payments in the last 12 months
  • Our Loan Officers will work with you to determine which type of loan best suits your needs and budget. Contact your local branch and ask to speak with a Loan Officer.

Southern Mortgages


  • NC Home Advantage Program
  • Property must be located in NC
  • Primary residence only
  • Purchases only
  • New or Existing property
  • Single Family Residence, Townhome, Off Frame Modular Home
  • $87,500 maximum qualifying income
  • 30 year term
  • Up to 97% Financing
  • Not required to be a First Time Homebuyer
  • Must not own another home
  • Up to 3% Down Payment Assistance for qualified borrower
  • PMI required

Our Loan Officers will work with you to determine which type of loan best suits your needs and budget. Contact your local branch and ask to speak with a Loan Officer.

If you want to know anything about this topics please let us know by comment or ask your questions here.

Get Credit Cards from Citizens Bank

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Credit Cards

THE CARDS YOU’LL

REACH FOR EVERY TIME

Credit cards with rewards and rates that fit the way you spend.

Ask a Citizen about a credit card with great cash back rewards or our lowest interest rate. With either choice, you’ll get a convenient, secure card with no annual fee. Citizens makes it easy to compare and apply online for the credit card that fits your lifestyle and daily needs.

Cash Back Credit Card

APPLY NOW

*Important information


about rates and fees
Citizens Bank Cash Back Plus
Your purchases can earn you a great cash back rate, up to 1.8%.

Unlimited 1.5% cash back rewards on all of your everyday purchases1

A 10% Purchase Bonus2 on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more

A 10% Relationship Bonus3 on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account

Take advantage of both bonuses to earn 1.8% cash back

0% introductory APR on balance transfers for 12 billing cycles4; Variable APRs as low as 14.99%, 17.99% and 20.99%5 thereafter

Variable purchase APR of 14.99%, 17.99% or 20.99%5 applies from account opening based on your creditworthiness.

No annual fee*

Citizens Bank Cash Back Plus

Cash Back Plus

It’s simple. 1.5% cash back on your everyday purchases, plus the chance to earn up to 1.8% with our Purchase and Relationship Bonuses.


  • No limit to the amount of cash back you can earn
  • No rotating categories or enrollments to keep track of
  • No annual fee*


APPLY NOW


  • *Important information
  • about rates and fees
  • Unlimited cash back rewards


Unlimited 1.5% cash back on every purchase1 with no rotating categories or enrollments to keep track of

10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more2

10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account3

Take advantage of both bonuses to earn 1.8% cash back

Introductory rate

0% introductory APR on balance transfers for 12 billing cycles4, thereafter a 14.99%, 17.99% or 20.99%5, variable APR based on your creditworthiness

APR

Variable purchase APR of 14.99%, 17.99% or 20.99%5 applies from account opening based on your creditworthiness

Money-saving features


  • No annual fee*
  • No foreign transaction fees
  • No penalty APR for late payments
  • Shopping protection
  • Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years

Price Protection for 120 days from purchase


World Card Travel Benefits

  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Security features


Zero Liability Protection against unauthorized purchases

Travel accident and baggage delay insurance


Built-in benefits


  • 24/7 online account management
  • Make purchases using Apple Pay™ in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases8
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement



Citizens Bank Clear Value MasterCard - Citizens Commercial Bank

- Tuesday, March 6, 2018 No Comments


Credit Card

The best credit card rate we offer comes with convenience, protection and great benefits.

Rates as low as 13.99% — ideal if you carry a balance
Up to 21-day grace period on all purchases1
No annual fee*

APPLY NOW




Introductory rate of Citizens Commercial Bank Credit Card

0% introductory APR on balance transfers for 12 billing cycles 2, thereafter a 13.99%, 16.99% or 19.99%3, variable APR based on your creditworthiness

Must read: 


APR

Variable purchase APR of 13.99%, 16.99% or 19.99%3 applies from account opening based on your creditworthiness
Money-saving features


  • No annual fee*
  • Shopping protection


Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to one year4
Price Protection for 60 days from purchase4



Security


  1. Zero Liability Protection against unauthorized purchases5
  2. Travel accident and baggage delay insurance4
  3. Built in benefits




24/7 online account management

Make purchases using Apple Pay™ in-store and in-app with participating merchants

  • Up to 21-day grace period on all purchases1
  • Year-end summary statement
  • Balances count toward Circle Gold checking monthly combined balance



Compare Credit Cards

With features to meet a variety of needs, like cash back rewards or a lower APR, we’ve got the right card for you.

Browse the table below to decide which credit card best meets your needs.

  • Citizens Bank Cash Back Plus™ World MasterCard®
  • Cash Back Plus


  • Citizens Bank Clear Value™
  • MasterCard®
  • Clear Value



Rewards 

Unlimited 
1. 5% cash back on every purchase1 with no rotating categories or enrollments to keep track of 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more 
2. 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, Savings or money market account
3. Our lowest APR card for purchases with rates as low as 13.99% – ideal if you carry a balance

Intro APR for balance transfers 
0% for first 12 billing cycles4
After 12 billing cycles, 14.99%, 17.99% and 20.99%5 based on your creditworthiness
0% for first 12 billing cycles4
After 12 billing cycles, 13.99%, 16.99%, or 19.99%5 based on your creditworthiness
APR Rates 
No annual fee*

Variable purchase APR of 14.99%, 17.99% or 20.99%5 applies from account opening based on your creditworthiness
No annual fee*

Variable purchase APR of 13.99%, 16.99% or 19.99%5 applies from account opening based on your creditworthiness


Security

Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to two years.
Price Protection for 120 days from purchase
Travel accident and baggage delay insurance
Zero Liability Protection against unauthorized purchases
Extended Warranty Protection doubles the original manufacturer’s or store brand warranty for up to one year
Price Protection for 60 days from purchase
Travel accident and baggage delay insurance
Zero Liability Protection against unauthorized purchases7
Built-in benefits 

Year-end summary statement
24/7 online account management
Make purchases using Apple Pay™ in-store and in-app with participating merchants.
Up to 21-day grace period on all purchases
Balances count toward Circle Gold checking monthly combined balance
Year-end summary statement

24/7 online account management
Make purchases using Apple Pay™ in-store and in-app with participating merchants.
Up to 21-day grace period on all purchases
Balances count toward Circle Gold checking monthly combined balance


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