WSECU Useful Information

Posted on December 14, 2022 by admin

WSECU Useful Information

By Max Lindsey | Filed Under: Bank Info

In 1957, a small group of Washington State employees decided to form a financial cooperative. Headquarters are in Olympia, WA with over 25,000 locations. They have continued to support their dedicated public employees for 58 years now.

The institution is open to all in Washington State. They’ve been rated as the 12th highest credit union in the nation for member service. As a member of the CO-OP Shared Branching Network, customers can access their accounts from over 5,000 participating financial institutions.

WSECU Contact Details and Useful Information

Washington State Employees Credit Union Official Website: https://wsecu.org/

Routing Number: 325181028
SWIFT Code: No SWIFT code at this time.
Mobile Apps: iPhone || Android
ATM Locator: https://wsecu.org/our-locations

Washington State Employees Credit Union Contact Details:

Customer Service Phone Number: 800.562.0999
Email: Contact Form
Address: PO Box WSECU, Olympia, WA 98507

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Terms of Use

Posted on December 14, 2022 by admin

Terms of Use

As a visitor to our website, there are a few things you should keep in mind regarding the use of our content. This section will outline your main obligations when visiting our website. Please make sure you understand everything. We’ve tried to provide you with a clear, easy to understand account of our rules and regulations.

When we use the terms “content,” we are referring not only to written text, but images and tables as well. When we speak about “us,” “we,” and “our,” we are speaking of everyone who is a part of the Online Banking 101 team. Keep this in mind when you read the guidelines.

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Most of the content on our website is freely available to visitors. That means you do not need to login in order to access it. You can use the material you find here for personal purposes, such as research. If you are working on an academic project, you can use the resources we provide. However, you must first ask the administrators’ permission.

Though we make an effort to update the information we provide on a regular basis, bear in mind that the financial field is a very dynamic one. Sometimes, we might be unable to revise older articles on time. When using content from Online Banking 101, you implicitly take responsibility for the final results.

Copyright and Unauthorized Use of Our Content

All of the materials you will find on Online Banking 101 are the property of our team or third party authors, when it is explicitly stated. These materials are protected by copyright laws, which means you cannot reuse them without the authors’ consent for:

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As a visitor to our website, you will have to abide by certain rules of conduct. These rules are designed to protect not just the authors of the website, but other users as well. They were designed to help ensure every visitor has an enjoyable and safe experience when visiting Online Banking 101.

It is important that you understand these rules before you proceed any further. You can revisit this section as often as you like. If you decide to continue using our website, you consent to respect our terms of use policy.

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Visitors must read and remember these rules when visiting our website. We may decide to change our terms of use and be unable to provide you with a notification. It’s unlikely, but it would be best if you revisited this section from time to time.
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We are not responsible for the accuracy of the resources located on other websites. Though we try to provide our visitors with useful and trustworthy links, we cannot control the quality policies of authors who are not part of our team.

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Privacy Policy

Posted on December 14, 2022 by admin

Privacy Policy

We want to ensure the safety of our visitors’ data when visiting our website. This is the guiding principle behind our privacy policy. Please read this page carefully and make sure you understand what our policy involves.

Sharing Personal Information with Our Website

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However, whenever you leave a comment, request access to our newsletter, or send us a message, we ask for some personally identifiable information, more specifically your full name and e-mail address. Remember that you are not forced to provide your real name or e-mail address. As such, if you do not want to share your personal information with us, you can use an alias.

Additionally, if you want us to delete any of your comments, or your personal information, at any time, you can send us a request at info@onlinebanking101.com. In no longer than 30 days, all the information we collected from you will be deleted.

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We also store non-personally identifiable information, and we may occasionally use that information to assess the performance of our website. We are deeply passionate about providing our users with the best possible online experience, and providing them with content that is relevant and useful.

The information we gather from you allows us to optimize our content and deliver an experience that is tailored to your needs. It also allows us to perfect the content of our website and address the concerns of our readers. We will not disclose any of your personal or non-personal information for commercial purposes to any third parties, unless we have your consent.

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Sometimes, we may need to link to other websites in order to provide you with more resources. We try to be as careful as possible when choosing these references. However, we cannot constantly monitor the state of each resource we link to. When you choose to click on an external link, you implicitly take responsibility for anything that might happen.

Bear in mind that each website has its own regulations. The policy described here applies only to this website. By continuing to navigate this website, you agree to everything that has been listed in this section.

We also invite you to read our Terms of Use for more information on how to manage the content found on this website.

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National Bank of Arizona Login

Posted on December 14, 2022 by admin

National Bank of Arizona Login

By Carla Stuart | Filed Under: Bank Info, Reviews

Long-time customers of the National Bank of Arizona say they most appreciate the bank’s small-town feeling. The bank has dozens of locations across the state and customer service phone lines manned by employees rather than recordings. One recent bank reviewer said they liked the bank because it was better to be greeted by a person than a robot.

Over the years, the National Bank of Arizona has forged relationships in each of its Arizona communities and has established trust with its customers, even in times of national and local economic downturn or in times of banking services becoming more technology oriented.

With a history of local banking, first for businesses and then for the public, the National Bank of Arizona’s mission includes making online banking and mobile apps state-of-the-art without sacrificing the bank’s personal touch for the sake of convenience.

Recently, the National Bank of Arizona’s mobile app and website were updated with a sleeker look and a simpler interface, making it easier to navigate even for those customers who are not as comfortable using the new technology almost all banks have adopted.

Contents

What Is the National Bank of Arizona?

Is There Enough Diversity of Products to Meet My Needs?

Locations & Branches

How Do I Find My Local Branch?

Mobile Apps & Online Banking

How Do I Login to Online Banking?

How Do I Find Information on a Specific Product or Service?

What about Technology Features Like Mobile Deposit or Push-Button Transfers?

Conclusion

What Is the National Bank of Arizona?

Changing and growing to meet the needs of their customers while maintaining a small-town feel is nothing new for the National Bank of Arizona. Founded in Phoenix, Arizona in 1984, the bank started with the simple mission of building local relationships with small business owners.

Now, more than 30 years later, the bank still prides itself on providing local, full-service banking for both businesses and personal banking customers. It offers checking and savings accounts, credit cards, mortgage loans, personal loans, certificates of deposit, and online and mobile banking services. The goal is to be the only bank customers need—and it seems to be working.

Several customers reported originally opening their National Bank of Arizona account as a secondary account while keeping their primary checking or mortgage with a larger bank. Over the years, as these customers realized that this local state bank offered everything the bigger national ones did—and in some cases more, like reimbursed ATM fees or free safe deposit boxes—they have moved to National Bank of Arizona as their primary bank and moved the larger banks to the second position. Or, sometimes, customers just keep all of their banking with the Arizona bank having no need to look elsewhere.

What Is the National Bank of Arizona?

According to standard banking health ratings, the National Bank of Arizona gets an A rating. In fact, in some categories, it scores an A+.

After the banking crisis of 2007, the Texas Ratio was developed by private bank analysts as a straightforward indicator of whether a bank was likely to fail. The ratio compares the value of risky loans to the total funds the bank has on hand to cover these loans. The National Bank of Arizona passes the Texas Ratio with an A+, according to RBC Capital Markets.

In looking at the National Bank of Arizona’s deposit growth, or the gains in the amount of money deposited with the bank over time, the bank gets a B rating. And, in the final indicator, capitalization, simply the bank’s assets minus liabilities, the National Bank of Arizona earns another A+ rating.

Is There Enough Diversity of Products to Meet My Needs?

National Bank of Arizona offers five different checking account types ranging from the appropriately named, “Anytime Checking” with small opening deposits and minimum balances to “Premium Interest Checking” which offers interest on account balances as well as perks like safe deposit boxes and ATM fee rebates. Senior citizens and members of the Military qualify for discounted, robust checking account packages. All of the personal checking accounts include online checking and allow mobile check deposits.

National Bank of Arizona offers three different savings accounts types: regular, money market and certificates of deposit. The bank offers four types of credit cards, auto loans and personal loans as well as mortgages and home equity lines of credit.

Locations & Branches

National Bank of Arizona is a division of Zions Bancorporation, a member of the Federal Deposit Insurance Corporation (FDIC) operating under multiple names. There are nearly 500 local branches of the Zions Bancorporation and not all of them are located in the Grand Canyon state. There are locations spread across the West including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.

The National Bank of Arizona has branches evenly dispersed throughout the state. The cities of Phoenix and Tucson each have about five locations. The greater Phoenix area holds about ten additional locations. There are additional branches located in about ten smaller communities scattered throughout the state.

How Do I Find My Local Branch?

The easiest way to find the branch closest to you is to visit the bank’s website at https://www.nbarizona.com. From the home page, click on the Locations link at the top right side of the page. You may also find locations under the How Can We Help? section and use the Find a Branch feature to locate the branch nearest you and a map to the location.

Mobile Apps & Online Banking

Like larger bank chains, the National Bank of Arizona offers a full menu of always open banking options online and through its mobile app. For example, customers can log in any time of day or night to check the status of their accounts, make transfers, pay bills or look up information on old bank statements.

How Do I Login to Online Banking?

From the home page, the brown LOGIN button for online banking can be found to the right side of the top navigation bar. For easy access, it is available on the homepage and all other pages within the website.

To find your online banking account, click on the tab that relates to your account with National Bank of Arizona. There are specific pages for checking, savings, credit card, and home mortgage accounts as well as business or corporate banking.

How Do I Find Information on a Specific Product or Service?

From the home page, choose first whether your interest is in personal or business banking. The tabs for this choice are found on the top left side of the page. If you are looking for personal banking services, click on your choice of options from BANK, BORROW, INVEST, and RESOURCES. For business inquiries, choose from BANK, BORROW, TREASURY, and RESOURCES. From each selection, you will find a drop-down menu which will offer links to the specific information you need about products and services

What about Technology Features Like Mobile Deposit or Push-Button Transfers?

Beyond the ease of use and convenience of its website and mobile app, customers of the National Bank of Arizona also have access to the latest in banking technology. There are options for safely and quickly transferring money to friends and family, using smartphones to deposit checks directly into checking or savings accounts, automatic bill pay systems, and notifications and statements delivered through email—all with the highest levels of online banking security.

To get started, you can go to https://www.nbarizona.com to log in to your accounts or enroll in online account access. Or, you can apply for a home equity loan online at https://www.nbarizona.com/Personal-Credit.jsp. Or, if you are away from a screen and just prefer talking to a human, customer service representatives are available at 888.244.6622.

Conclusion

If you live in Arizona, the National Bank of Arizona could be all you need for all of your personal finance needs. It is a full-service and high-tech banking business, but it also spends much of its creative energies in innovations that build the Arizona economy. The leaders of the National Bank of Arizona believe in investing in their local communities and building trust by using astute lending practices, encouraging employee volunteerism, and supporting Arizona’s causes and financial health.

Along with a sense of community, the bank offers a full array of banking products positioned competitively with larger, chain banks. Certificates of deposit, credit cards and home equity loans get high ratings from bank review websites. This, coupled with the bank’s ability to keep up with the latest in financial institution technology such as online and mobile banking, makes it a powerful, yet intimate, institution.

Information obtained from banking review sites does indicate some account holders are unhappy that all the bank’s checking accounts require a certain balance or monthly deposits to waive monthly fees. Although the fees are small, ranging from $5 to $20 for premier accounts, fees can be annoying and add up quickly before the customer becomes aware they’ve been imposed.

The National Bank of Arizona takes pride in setting industry standards in the state. Their goal is to keep on the cutting edge of banking technology and products while keeping the trust of their customers who love the small town community feel of their local branch.

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9 Best Travel Credit Card Options

By Carla Stuart | Filed Under: Bank Info, Credit Cards

The best travel credit card options of 2018 are designed to help maximize your travel, and hopefully help you earn the most rewards, so you can keep traveling. Whether you travel for business or pleasure, most of these credit cards can help you earn miles toward your next flight or hotel stay.

Many credit card providers may also try to tempt you with large sign-on bonuses or waiving fees, but it’s important to know what to look for before you decide to apply for a new credit card in order to think about how much the card may cost you. If you pay your balance off each month when you receive the bill, you may have different concerns than if you let the balance roll over to the next month.

We have everything you need to determine which travel card is best for you. Explore our buyer’s guide to find out what features you should be on the lookout for, based on your needs and check out our list of the 9 best travel credit card options available today.

Travel Credit Card Buyer’s Guide

best travel credit card: man paying for his food using a credit card

Paying off your credit card balance should be at the forefront of your thoughts when you choose the right card for you, so consider the interest rates and annual fees you may need to pay.

You may also need to consider your credit score, as some cards are only available to those with excellent credit. The cards with the best reward deals are typically reserved for credit scores above 740.

Here are some of the most important factors you should consider before choosing your travel credit card, based on your needs:

Rewards

Intro Bonus

Annual Fees

Regular APR

International use

Travel protection

How to Make the Most of Your Card

To make the most of your travel credit card and maximize your rewards, use the following tips:

If your card has an online bonus mall, you can receive extra rewards by shopping for your essentials there
Plan to sign up for your credit card around the time you plan to make a big purchase in order to earn a sign-up bonus
If your card has a bonus reward on dining, pick up the check whenever you can to receive more bonus rewards. Your friends can return the favor another time

Redeem your rewards for more travel purposes rather than in perks like merchandise or gift cards, or the most common option, cash back rewards
Sign up for a loyalty program that’s associated with your cards, such as a frequent guest or frequent flyer reward
Look out for hidden caps on how much you can spend before you receive the same cash-back reward. You may only receive 3% cashback up to a certain dollar amount of gas purchases, for example.

Top 9 Best Travel Credit Cards

Here are our picks for the best travel credit card options of 2018, based on the rewards and fees associated with frequent travelers.

Chase Sapphire Preferred Card

best travel credit card: chase sapphire credit card

Voted the best card for travel redemptions the best card for travel redemptions like airline miles, this travel card comes with a large bonus that people love. Receive a sign-up bonus of 50,000 reward points, which is worth around $625 in travel redemptions, when you spend your first $4,000 during the first three months after you open your account.

People who don’t commonly fly the same airline or stay at a specific hotel love the flexibility of their Chase card, and you can receive rewards on every purchase you make. The rewards never expire either.

With an annual fee is $95, waived for the first year. You can also earn two points per dollar on travel purchases, which transfer to 13 different partners like Southwest airlines and Marriot. Plus, there are no blackout dates or restrictions on where you can travel.

Bank of America Travel Rewards credit card

With Bank of America’s Travel Rewards card, you can use your card to book anywhere you want, with no blackout dates or website restrictions. You earn 1.5 points for every $1 you spend, with no annual fees or foreign transaction fees. Your points will never expire, and they can even be used to pay for flights, hotels, cruises, rental cars, baggage fees, or vacation packages. However, you may need good to excellent credit to apply.

Receive 0% APR for the first year, then a regular APR of 16.74 – 24.74% after. For a limited time, you can also earn 25,000 online bonus points when you spend $1,000 in purchases during the first 90 days of opening your account, which could amount in $250 toward travel costs.

Even better, you can earn more benefits. If you have a Bank of America checking or savings account, you can earn an additional 10% bonus on every purchase. And if you’re also a preferred rewards holder, you can boost the bonus in between 25 and 75%.

Capital One Venture Rewards Credit Card

Named one of the all-time best travel credit cards this year by CNBC, Capital One Venture allows you to fly any airline and stay at any hotel, anytime you want. The mile rewards you earn will never expire, and there are no foreign transaction fees if your travel abroad.

This card comes with awesome travel rewards and no annual fee, which makes it perfect for those with good to excellent credit score ratings. If your credit is between 670 and 850, you could sign up to receive a 50,000-mile intro bonus once you spend your first $3,000 within the first three months and a waived annual fee for the first year.

After your card’s newness wears off, you will pay a $95 annual fee with an APR around 14.74 – 24.74%. The rewards you earn will 10x your miles on thousands of different hotel options, which you can find at hotels.com/venture. You’ll also receive double your miles on every purchase you make, no matter what day or item you use your card on.

Uber Visa Card

With no annual fees, this newer card option offers great travel bonuses. Receive points per every dollar you spend on restaurants, bars, Uber Eats, hotels, vacation home rentals, airfare, online purchases, online shopping, music, and even Uber rides.

If you spend $500 within the first 90 days, they’ll even give you $100 bonus. You’ll also receive an added $50 subscription credit you can use for online subscription services after spending $5,000 on your card every year and up to a $600 bonus used toward mobile phone damage of theft if you pay your phone bill with your card.

The only catch is that the APR is a bit high, at 16.74 – 25.49%, depending on your credit.

The Platinum Card from American Express

Travelers who love rewards pick this card for the airline fee credits and worldwide lounge access while they wait for flights. You could earn $200 for Uber rides each year, 5x the points on flights booked with airlines and on eligible hotels booked on amextravel.com, complimentary benefits with hotels, and a $200 airline fee credit used for baggage fees at qualifying airlines.

The annual fee, however, is $550, so you’ll need to make sure to use the card enough. You’ll need good to excellent credit as well for this high-end card. Travel in style and receive perks at hotels like concierge service, but for this high fee, make sure you travel often.

Chase Sapphire Reserve

Like the Chase Sapphire Preferred Card, Chase Sapphire Reserve is still great for travel rewards. However, this card comes with an annual travel credit for those who enjoy traveling often. With an annual fee of $450, you can earn back nearly $300 in annual travel credits alone.

Earn 50,000 reward points when you spend $4,000 in the first three months after signing up, and earn 3x points on travel, 2x points on restaurants, and a point on everything else you spend money on. There are no foreign transaction fees, and you may even earn trip cancellation coverage or car rental insurance perks. The amount of bonus goes on, making up for the high annual fee.

Ink Business Preferred Credit Card

The Ink Business card helps you earn the maximum value for every penny you spend traveling, and new cardholder receive huge perks. When you sign up, you could earn 80,000 bonus points on the first $5,000 you spend within three months, and other typical Chase Ultimate Reward perks like three points per dollar on travel, shipping and advertising fees on social media, or telecommunications fees.

Even better, points can be transferred to partners like United, Marriott, Southwest, or Hyatt. You’ll need good credit to apply, and APR rates land around 17.74 – 22.74%.

United Explorer Card

If you fly with United often, a loyalty credit card with an airline like this comes with cardholder perks. You could earn 40,000 bonus miles if you spend $2,000 within the first three months and pay no annual fee for the first Year (only $95 afterward). Plus, you get two miles per dollar you spend on restaurants and hotels as well as United flights.

The APR is a bit higher, at 17.74 – 24.74%. Again, this depends on how good your credit score is. However, with free checked luggage and low fees, you could save money on flights, land a spot in the United Club airport lounge, and earn free rental car insurance.

Holton Honors American Express Ascend Card

This card is perfect if you’re looking for rewards with a great hotel and a large sign-up bonus. Staying at Hilton hotels often could earn you 14 points per dollar, plus seven points on flights booked on amextravel.com and car rentals from select companies, rewards on restaurants, and at least three points per dollar on every other purchase you make.

You could earn fee weekend night stays if you spend $60,000 in a year as well as a slew of Hilton resort bonuses. The annual fee is $450, but with all the perks when you stay at Hilton, you won’t have to spend as much on fees and airport luggage. Plus, it even comes with a priority pass for airport lounge membership and no foreign transaction fees.

How We Choose Our Ratings

Honestly and integrity are important to us, so we take the time to create accurate buyer’s guides and best-of lists. To find all the facts, we scour the internet to find the best travel credit card options available on the market today. We research the rewards and fees, read real user reviews, and see what the masses have to say before making a valid suggestion.

Our goal is to help you find the best travel credit card options available for you, so we indicate which card is best for which type of traveler. The information we provide is all available online, and we create our list based on the information provided.

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Category: bank info