Discover Credit Card holders could win up to $1 million!

Attention Discover credit card holders: Discover Bank is now giving away $1 million in cash (grand prize) along with 75 daily prizes ranging from $25 to $500 gift cards. Every Discover credit card holder is eligible to win!

Discover Bank’s message to their card holders revealing this giveaway:

We’re giving away 75 prizes every day, all year long—plus a $1 Million Dollars Grand Prize at the end of 2010. It’s our way to thank you for making Discover your card of choice every day.

Each time you use your Discover card you’ll get a chance to win—on any purchase large or small. The more you use your card, the greater the chance you’ll be a winner. So pull out your Discover card and the next thing you buy could make you a millionaire.

Hundreds of daily winners have already been selected in the It Pays to Discover Everyday Giveaway, and are being notified by mail. Upon verification, winners will be posted on this site.

Compare their credit card offers here.

1. HERE’S HOW IT WORKS:

   This Sweepstakes is sponsored by DFS Services LLC, 2500 Lake Cook Rd. Riverwoods, IL 60015 (the “Sponsor”). A total of 27,375 daily prizes will be awarded (75 per day for 365 days) plus a final Grand Prize of 1 Million Dollars.

   Beginning 1/1/10 through 12/31/10 (“Sweepstakes Period”), you will automatically receive one entry into a sweepstakes daily random drawing and into the Grand Prize random drawing each time you use your Discover Card to make a purchase or take a cash advance, either by using a check, an ATM, or at a financial institution, a casino or online (“Transaction”). Transactions must post to your account during the Sweepstakes Period. Sponsor is not responsible for any merchant delays in processing Transactions which may cause a Transaction to post after the Sweepstakes Period. Balance transfers are excluded from automatic entry. Transactions made with lost or stolen cards or card numbers do not qualify for entry. As a new cardmember, it may take up to 40 days to receive a new Discover Card. There is no cost associated with applying for or receiving a Discover Card. As used in the Official rules, “Discover Card” means a credit card product issued by Discover Bank; it does not include credit card products issued by any other entities.

2. BONUS ENTRIES:

   During the Sweepstakes Period, there will be specific months that highlight a Featured Category. During those months, when you make a qualifying purchase/transaction in a Featured Category, you will receive an additional 4 Bonus Entries for each qualifying purchase/transaction. Visit Discover.com/giveaway during the month prior to each listed Mystery Category month to see what the Mystery Category is for that month. View additional details on their promo page.

ING Direct’s “Bank from any corner contest” and mobile interface

Thanks to Marina over at ING Direct for tipping us off on a sweet contest they are having beginning the 28th of this month as well as giving us a sneak peak at their new mobile banking interface.

Here’s the scoop…

ING DIRECT just launched its mobile app for iPhone and Blackberry. The app makes banking simple by providing Customers with the all the essential features needed to save on the go:

Person2Person Payments: let’s Customers quickly and easily send money to existing contacts in their P2P address book

Account Summary: displays all of the Customer’s accounts and account details like account number, balance, and transaction summary and details

Transfer Money: allows Customers to transfer money between their Electric Orange, Orange Savings, and linked external checking accounts

Bill Pay: Customers can manage their Bill Pay preferences already established through the web site

Refer a Friend: much like referring friends via the website, mobile users are able to send a referral email from the palm of their hand

Flip for Fun (iPhone only): turning the iPhone sideways provides one touch access to all of ING DIRECT’s social media efforts – Facebook, Twitter, We the Savers, and YouTube… think Savers should be able to “bank from any corner.”

They’re holding a “Bank From Any Corner” contest from July 28th – August 27th. To participate all you need to do is submit a photo or video of yourself showing us the coolest/craziest place that you can bank from with the new mobile app. The grand prize winner will receive $10,000. Second place will receive $5,000; Third place will receive $2,500; and 17 runners-up will receive an iPod Touch. Once the contest goes live (July 28th), it can be found at http://www.ingdirectmobilecontest.com.

TD Bank Checking Account Bonus: Flip Camcorder

TD Bank has a pretty sweet bonus available for anyone living in Florida in need of a new checking account. Currently, when you are approved for a new personal checking account online or through one of TD Bank’s branches you will receive a new Flip Ultra Camcorder (which retails for about $150)!

Thanks to BankVibe reader Sam for submitting this offer!

TD Bank will mail you a Flip Ultra Camcorder once you have:

• Used your Visa Debit Card for 8 purchases; and
• Made 2 payments with Online Bill Pay within 45 days of account opening

It will take about 6 weeks for TD Bank to mail you the camcorder. The offer ends on June 5, 2010.

Both banks and credit unions have been issuing checking account bonuses regularly throughout 2010 in attempts to grab new customers. You may want to compare this offer with BankVibe.com’s top checking account promotions in 2010.

Checking Account Bonus for California Residents: $85.00

A pretty sweet checking account promotion was just forwarded to us by BankVibe.com reader Evan. This offer comes from Hanmi Bank, out of California, and provides cash bonuses of up to $85 as well as 1,000 debit rewards points if you can meet their terms and conditions. You only need $100 to open one of these accounts, however, you will also need a $500 minimum daily balance or $1,000 average daily balance per statement cycle.

The bonus structure is set up in tiers so that you earn a portion of the cash per the completion of 3 steps. The details are as follows…

1) $15. Get a free checkbook worth $15.

2) $50. Receive $50 when you complete a direct deposit (either payroll, pension or other income).

3) $20. Earn $5 every time you make online bill payment- up to $20.*

PLUS: 1,000 point. Earn 1,000 debit reward points when you make 5 purchases with your Hanmi Bank debit card.

Terms and Conditions:

-California Branches ONLY

- Promotion subject to change at any time without prior notice.

- You must set up/activate & utilize the services within the first two (2) statement cycles from the date you open your account in order to qualify for the promotions. All cash bonuses (except reward points) will be credited to your account after the initial two statement cycles from the date you open your account.

- You will receive $5 per completed online bill payment, up to $20 during the first two statement cycles.

- You must activate and use your debit card at least 5 times during the first two statement cycles from the date you open your account. Reward points will be credited to your UChoose Rewards account. To view your points, you must visit uchooserewards.com to set up your username and password.

- It may take up to four statement cycles for the bonus to be credited to your account. Bonuses limited to one account per customer.

- You will receive 1099-Int form if the amount of bonus exceeds $10.

Visit their promotional page

Checking Account Promotions: TOP 10 in 2010! …so far

We’ve seen a great number of phenomenal checking account promotions, bonuses and deals roll through our inbox so far this year so we decided to publish a top 10 list to extend some credit to the top offers. The following types of bank accounts come in the form of either: free checking accounts with cash bonuses, cash back checking accounts, or high interest checking accounts. The promotional accounts listed below are not ALL available everywhere. Several of the bank promotions we’ve listed are available nationwide, however, a few are exclusive to a limited number of states.

These are the top 10 checking account promotions uncovered in 2010…so far. If you feel we’ve missed a deal, please let us know by leaving a comment!

TOP 10 Checking Account Promotions in 2010:

(all offers available at some point in 2010)

1) PerkStreet Checking Account: Coming in at the #1 spot with a 2% cash back offer for the first 6 months followed by 1% after the promotional period is over. After savings rates (certificate of deposit, money market and checking) have ALL taken a horrendous nose dive, cash back checking accounts have attempted to step in and fill the void. And PerkStreet Finacial is doing a fantastic job. Why is this account so valuable? Because, for example, if you spend $500/month from this account you will receive dividends of $10/month in the form of cash back ($500 X 2.0% = $10). Nothing like a recurring cash bonus from a checking account!

2) Capital One’s Checking Account Sign up Bonus: $300 – When we originally published this deal it was not confirmed, however, a number of reader comments did confirm the offer worked in several states throughout the country. The coupon code(s) for this account was RC3 and one reader suggested another coupon code (RC2) worked for a $200 bonus as well. We suggest trying the RC3 code first!

3) Citizens Bank Checking Account Promotion: Up to $220 in cash bonuses. This account is only available in certain states and the bank is headquartered out of Rhode Island. The bonus structure with this checking account promotion is set up in tiers. You earn a certain amount of cash for meeting various criteria. You get $50 for setting up the account and funding it via direct deposit, $25 after the completion of 5 bill payments, $25 after the completion of 5 debit/credit card purchases, and the final $120 when you enroll in their “greensense” or paperless program.

4) SunTrust Checking Account Bonus: up to $150 in cash bonuses. Similarly to Citizens Bank’s checking bonus, this one is set up in tiers as well. In the first tier you receive $50 for setting up the account. The second tier pays $100 and involves a 3 month process of bill payments.

5) Banco Populars Checking Account Promotion: $125 in cash plus a free “gift.” You received the $125 upon the completion of 3 very easy steps. The gift part, however, is a little vague. Supposedly individual branches were doing their own thing in regards to the gift giving, but we do know they gave out binoculars as the gift last year!

6) ReliaBank’s Ultimate Checking Account: 4.07% APY on balances up to $25k. This is a rewards checking account and requires you to make 12 monthly debit card transactions as well as setting up a monthly, recurring, direct payment of some sort. You can receive 4.07% APY on balances up to $25,000. This account is ideal for those looking for an alternative to low interest money market accounts.

7) Huntington Bank’s Checking Account Bonus: $100 in cash. This checking promotion is simple and available everywhere besides California. You receive a $100 cash bonus for opening up any one of their numerous forms of free checking accounts.

8 ) Harris Checking Account: $150 in cash bonuses. To receive this bonus you must open their interest checking account with a minimum of $100 AND set up a monthly direct deposit. They are a bit deceiving in calling this an “interest checking account” when their interest rate is just 0.05% APY.

9) Chase Bank Checking Account Promotion: $100 in cash. This promotion NEVER seems to get old. Chase seems to continually renew this offer time and time again. Although some readers have submitted negative comments about this account for various reasons, it still seems to be fairly popular among the majority.

10) Bank of America’s MyAccess Checking Account: $75 sign-up bonus. Use the coupon code CH75OL1 and fund the account with $125 within 90 days and the bonus is yours. This account is available online and in local Bank of America branches.

Open a Bank of America checking account online and earn $75!

Bank of America frequently offers checking account bonuses for signing up if you know where to find ‘em. Within the last year they have offered $50 bonuses, $100 bonuses and even $150 bonuses. Scrolling through our archive of Bank Deals will help you compare Bank of America’s current offer with other checking account promotions available.

Bank of America Checking Account Promotion Details:

To receive a $75 checking account bonus follow this link and complete the following steps…

1) Open your new MyAccess Checking^® account online with offer code CH75OL1

2) Fund your new account with $125 within 30 days

3) Receive your $75 within 90 days of account opening

Features of Account:

• No monthly maintenance fee, no minimum balance, no direct deposit required
• Manage your accounts easily with free Online Banking service with free Bill Pay
• Access to Customer Service 24/7 online or by phone
• Free Bank of America Visa^® Check Card with Total Security Protection Package

Harris Bank’s Interest Checking Account Bonus: $150

Harris Bank, serving most of the Midwest, currently has a checking account bonus offer of $150 for those who sign up for a new “interest checking account.” Although we believe it’s slightly misleading for them to call this checking account an “interest checking account” considering the fact that the interest rate is less than 0.05% APY, they are still offering a very enticing $150 bonus for signing up (and completing a few steps).

Thanks to BankVibe.com reader Jennifer for submitting this offer!

This is yet another checking account bonus we’ve seen after reporting on over a half dozen last month! You can compare this offer to the other checking account promotions we’ve covered recently to ensure you’re finding an optimal account for your needs.

Details of Interest Checking Account Bonus by Harris Bank:

1. Open an interest checking account with a minimum opening deposit of $100.
2. Setup a monthly direct deposit within 90 days of account opening or make at least five online bill payment transactions within 60 days of account opening.
3. Open a Harris Savings Account and activate the AutoSave feature.

Additional Details regarding Bonus Collection:

• $100 cash will be deposited into your new Harris personal Interest-Checking Account approximately 120 days after account opening
• $50 will be deposited into your savings account after Auto Save feature is activated
• No maintenance or transaction fees for account holders with a combined total of $20,000 or more in any qualifying Harris deposit accounts

Learn more by visiting their promo page.

Open a Chase Checking Account online and earn $100!

BankVibe reader Tom just sent us in another great checking account bonus from Chase Bank. It’s fairly similar to the other checking account promotions Chase has run in the past. Follow this link to grab the coupon code for this promotion. Here are the details…

Get $100 when you open a Chase Checking account

• You’ll need to make 5 debit card purchases or set up direct deposit.
• The offer is good until April 30, 2010, and you can apply online or get a coupon to take to a branch.
• To qualify for the bonus you must open a new Chase CheckingSM account with a $100 minimum deposit of new money (money not currently held by Chase or its affiliates).
• Also, within 60 days of account opening you must initiate a monthly direct deposit which includes payroll, pension, Social Security or other government benefits, or make five debit card purchases. The bonus will be automatically deposited into your new account within 10 business days after the initial direct deposit or five debit card purchases have posted to your account.
• Bonus is not considered part of minimum opening deposit. Limit one checking account-related reward/premium per customer, per calendar year.
• Offer not available on account conversions or in combination with any other offer. Offer not available to existing Chase checking customers.
• Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible.
• Checking account must remain open for a minimum of six months or the bonus will be debited from the account at closing.
• Account is subject to approval.
• Bonus is considered interest and will be reported on IRS form 1099-INT.

Citizens Bank Checking Account Promotion: Up to $220

Here is a very noteworthy checking account promotion form Citizens Bank out of Rhode Island. From now until March 26th you can earn up to $220 just for opening a new checking account with them. Even if you don’t reside near a physical branch you may still take advantage of this offer by opening it online. The checking account bonus is set up in tiers so that you earn a portion of the bonus after completing required steps.

This is how it works…

- Earn $50 after opening the account and setting up a direct deposit of at least $250.

- Earn $25 after the completion of 5 online bill payments.

- Earn $25 after the completion of 5 debit or credit card purchases.

- Earn $120 when you enroll in GreenSense (They will pay you to go paperless…up to $120 per year!)

About Citizens Bank:

In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island. Today, Citizens Financial Group, Inc. is a $148 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,500 branches, more than 3,500 ATMs and approximately 22,700 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 12-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Michigan and Ohio. CFG has non-branch retail and commercial offices in about 40 states. CFG is owned by RBS (The Royal Bank of Scotland Group plc).

Additional Terms and Conditions Regarding Checking Account Promotion:

• To qualify you must open your first new checking, debit card or credit card account between February 20 and March 26, 2010.
• You must not be or have been a signer on any personal checking account within the prior six months. Student Checking accounts not eligible.
• Cannot be combined with any other checking offers and is limited to one per new household.
• If you have at least 1 electronic Direct Deposit of $250 or more you will be paid a $50 bonus.
• If you make at least 5 online bill payments using our Online Banking site, you will be paid a $25 bonus.
• If you make a minimum combination of 5 signature-based purchases or non PIN purchases using your Debit Card or Credit Card you will be paid a $25 bonus.
• Requirements must be met by 4/30/2010.
• Bonus will be deposited into the checking account by 6/30/2010 and reported to the IRS.
• Checking account must remain open for at least 6 months or the amount of the banking bonus will be debited from the account at closing.

Chase Bank extends it’s Business Checking Account Bonus

Back in October we made note of Chase Bank’s business checking account bonus which was offering anyone in the market for a new biz checking account a free $100 bonus for signing up. This offer was originally set to expire at the beginning of 2010, however, we just got word (thanks to Tom for tipping us off!) that Chase is extending this offer until March 15, 2010.

So… if you’ve recently registered a new business and would like a $100 cash injection (courtesy of Chase Bank) simply obtain a $100 Bonus coupon and take it to your nearest branch!

Details of Business Checking Bonus offered through Chase Bank:

• You’ll need to deposit $500 within 30 days of opening the account.
• This offer is valid until March 15, 2010.
• To qualify for this offer, open a Chase BusinessClassicSM Checking, BusinessClassicSM Checking with Interest, Chase Advanced BusinessCheckingSM, Advanced Business CheckingSM with Interest, Commercial Checking, Commercial Checking with Interest, or Chase BusinessPlus® Extra Checking account and deposit a minimum of $500 or more into your new business checking account within 30 days of account opening with funds not currently on deposit with Chase or any of its affiliates.
• Account opening and award of premium are subject to approval (interest bearing accounts available only to sole proprietorships, non-profit organizations, and government entities).
• Limit one business checking account-related premium per customer per calendar year.
• Chase reserves the right to withdraw this offer at any time without notice.
• Attempts to earn multiple premiums may be voided by Chase, at its discretion.
• Offer not available to existing Chase checking customers.
• Coupon must be presented at time of account opening.
• Offer not available on account conversions or in combination with any other offer and is non-transferable.
• Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible.
• Cash premium will be deposited automatically into your checking account within 10 business days after the minimum deposit requirement is met.
• Cash bonus may be considered interest reportable on IRS Form 1099-INT.