Alexa Serrano Cruz

Jul 23, 2024 | finder.com | Bethany Hickey |Alexa Serrano Cruz

As of June 2024, signing up for the Tomo card means getting put on a waitlist. You can go to the website and select Apply Now after entering your email, but it just says your card has been “reserved.” There’s no timeline as to when you’ll be able to apply, so if you’re really interested in the card, you’ll have to check your email for updates. Tomo doesn’t require US citizenship to apply — a nice perk, as most credit cards do. Tomo accepts either an SSN or ITIN with a government-issued ID.

Jun 4, 2024 | finder.com | Bethany Hickey |Alexa Serrano Cruz

Kovo is best for someone who needs to start building a payment history or those on the road to credit repair. Kovo is rather affordable. While there’s no monthly fee, you’ll make $10 in monthly installments to add up to two years of payment history to your credit reports. Overall, it’s best for someone who wants to improve their credit score and avoid taking on debt. Most credit-building loans involve making monthly payments into a savings account.

Jun 4, 2024 | finder.com | Bethany Hickey |Alexa Serrano Cruz

Most banks offer online banking services with mobile check deposits that require endorsing the check, taking a picture of it, entering the amount and submitting the deposit — all through your phone without the need to visit a physical branch. However, check deposits can take a few days to clear with most banks, but a handful offer mobile check deposits with instant fund availability. These banks make mobile check funds available immediately — or, at the very least, within the same day.

May 21, 2024 | finder.com | Bethany Hickey |Alexa Serrano Cruz

Finder score ★★★★★ 4.8/5 ★★★★★ 4.2/5 Monthly fee Basic: $0 Pro: $9 ($15 after 3 months) Smart: $20 ($35 after 3 months) Premium: $35 ($55 after 3 months) Standard: $0 Plus: $30 (waivable) Premier: $95 (waivable) Minimum opening deposit $0 $0 APY On savings: Basic: None Pro: 4.15% Smart: 4.15% Premium: 4.15% On checking: Standard: 2% Plus: 3% Premier: 4.25% Monthly transaction limit Unlimited Unlimited Domestic Wires Incoming: $0 Outgoing: N/A Incoming: $0 Outgoing: $7.50 to $15, depending on...

May 21, 2024 | finder.com | Bethany Hickey |Alexa Serrano Cruz

Online banks tend to offer banking services with few fees and high APYs, while traditional banks are known for branch access and their vast products — and this matchup demonstrates that perfectly. SoFi is an exclusively online bank with few fees, high savings rates and wealth management tools. Wells Fargo has dozens of accounts and services, but its APYs are historically low, and its accounts aren’t free.