Be aware, not all checking accounts are free, and some of them have hidden fees; those are the ones you want to stay away from. Below are four reviews of checking accounts that are worth your time to consider opening up before you leave for school.

ING Electric Orange Checking Account

If you missed my article about the ING products, go checkout the electric orange checking and orange savings account review. This is a great checking account for college students. You can do all of your banking online, which is definitely a benefit for college students, and there are absolutely NO fees associated with it.

The main downside is that you have to mail in checks for deposit, or set up another checking account to transfer money. (Or you could sign up for direct deposit into your Electric Orange account.)

The Campus Edge Checking Account by Bank of America

Bank of America has some good financial products. This is the account that I had while I was in school at the University of Florida. There are no fees, and all you need is $25.00 for an initial deposit to open up the account. After that, there is no minimum balance. BOA will also enroll you for free into their “keep the change” program which rounds your purchase up to the nearest dollar and puts the change into a separate savings account for you.

They’ll also match give you a 100% contribution match for the first three months. This could make it easier for you to balance your check book, because all of your purchases will be rounded to the nearest dollar, making it easier to figure out your balance. Convenience is the biggest advantage to a Bank of America checking account. Bank of America has a ton of branches so an ATM isn’t usually hard to find.

USAA Free Checking

The free checking account from USAA is only available if you, your spouse, or your parents served in the military or are USAA members.  Since USAA is used to serving service members deployed around the globe it’s easy for them to provide the same great service to you while you’re away at school.  With features like USAA Deposit@Home and Deposit@Mobile it’s easy to deposit checks from school.  The account is very competitive, with free overdraft protection, free checks, free billpay, and no monthly fees.

Perkstreet Financial

An option for college students who want to earn rewards when they spend is the PerkStreet Financial cash back debit card. This checking account provides you with a debit card that allows you to earn cash back on your purchases. There are no fees and no minimums with this FDIC-insured account, and you can withdraw cash from a network of more than 37,000 ATMs. You can have money directly deposited into this online bank account, or mail deposit checks (or transfer from another account). A great way to earn rewards and get a little extra cash as a student.

College Student Checking Accounts

One of the most important things you can do as you establish your independent financial identity is to open your own checking account. If you are a college student, you want to be able to find the best checking account that meets your needs while at home and away. While many banks and credit unions offer “student” accounts, recent developments in banking make it possible for you to open a superior checking account that may not be labeled specifically as a student account.

You will want to consider what is most important to you in a bank as you shop around. If you prefer to be able to go into a bank, an online checking account may not be best for you. However, if you deal mostly electronically, and have no need to enter a brick and mortar bank, an online account can help you dodge the fees that seem to be cropping up everywhere these days. Look for a bank account that has no minimum balance or activity requirements, and try avoid those with monthly fees. If you plan to write checks, look for a bank with unlimited check-writing privileges. You should also consider the reputation the financial institution has for customer service.  Your bank can make a big difference in how you manage your money; choose carefully.

Opening a Student Checking Account
So, get on it. Go and check out these checking accounts. Believe me, sticking your money under your dorm bed won’t work. You never know when your roommate or their friends might need some extra cash and decide to help themselves. Watch out with your debit card, though – it’s so easy to swipe that thing. Make sure you set up a budget for the month, and take out cash for items like entertainment and food. Otherwise, you’ll debit card swipe yourself to oblivion, and non-sufficient fund charges are no fun.

If you’re getting ready to head off to school, check out this article on decorating your dorm room on a budget. We also review the best student credit cards as well as student health insurance options and how you can compare them with eHealthInsurance. If you’re looking for some cash to put into your new checking account, look through the list of ways you can make extra money in college.

This review of the best checking accounts for college students is part of the College Student Money Guide.

Cash Payment Alternatives

As I’ve mentioned, we put most of expenses on our Blue Cash card, or other card when a store doesn’t take American Express, so I never really carry any cash.  I told John that chances were I wouldn’t have any money on me the next time I ran into him, or the next time, or the time after that.  I could have mailed him a check but I use those even more infrequently than cash, we only have a few checks left and they still have our old address from before we moved.

Visa recently announced the upcoming ability to make person to person payments using your Visa card but the functionality isn’t available yet.  Based on their press release, it sounds like they’re using technology from two of the top person to person payment tools, ZashPay and Popmoney.

Person to Person Payments

So I decided to try out Popmoney since my local bank offers it as a service to it’s customers.  I’ve actually talked about it before when I covered how to send money with your phone but in that article the focus was on using your cell phone.  I first heard about Popmoney when FNBO Direct started offering the person to person payment service, I think they may be the only one of the high yield savings accounts that are offering the option right now.

The pop in Popmoney stands for “Pay Other People”, it’s a service that was built by a company called CashEdge Inc.  All you need to send someone money is their email address or cell phone number. 

When you start using the service you add in the person you want to send money to as a contact.  As you can see here, it asks what method you’d like to use to send them money.

I don’t know anyone’s bank account number other than my own so I doubt I’ll ever use that option.  The text message feature is nice but not everyone has a text plan setup on their phone and some people only have a limited number per month so I figured I’d just go with the email option.

Once you setup someone as a contact you fill out the form below to actually send the money.  Pretty standard form, you choose which account to send the money from, how much to send, when to send it, and you can customize the message that notifies them they have money.

Claiming Payments

I didn’t know how the claim process works at the time I sent the money but I’ve heard from John since he recieved my email.  Apparently in order to claim the money and he has to setup a profile with Popmoney and provide his bank account number and routing number so they can send him the funds.  If his bank also offered the Popmoney service I don’t think he’d need to give his banking info to Popmoney, they’d just facilitate the transfer between the two banks.

Popmoney Fees

The fee for sending money might vary from bank to bank but in my case it was a flat fee.  They charge $1 for standard delivery (2–3 business days) and $3 for Express Delivery (1 day).  If you’re only sending a small amount of money then the $1 fee can turn out to be a larger percentage of what you’re sending. 

However, if you’re sending hundreds or thousands of dollars then Popmoney will cost you less than using PayPal.  That’s because PayPal charges a percentage of the amount you send and Popmoney only charges you a flat fee for the transaction.  Again, that’s how it works at my bank, you should check with yours before sending a large amount, just to be sure it’s a flat fee. 

There is a limit to the amount of money you can send with Popmoney but it’s pretty high.  The table below shows what the limits are for my bank.  

 

Not all banks will offer the Popmoney service but it is becoming more popular and the network of banks offering the service is growing. As I mentioned earlier, ZashPay is another alternative p2p payment option you can check out and Visa should be making p2p payments via your credit card available later in the year.

Here’s a look at the basics of how SmartyPig works.

SmartyPig Account Opening

To get started with SmartyPig you open a savings account online, filling out information that you would to open any bank account.  Just like money in a bank, your funds in SmartyPig are FDIC insured. They also earn interest; currently the rate is pretty competitive for online savings accounts. Once you have your SmartyPig account opened then you fund it with at least $25, via ACH from an existing bank account.

Right now there is no way to have joint ownership of a SmartyPig account, which would be nice for couples saving together.  SmartyPig does have a “co-ownership” option but it would be nice to have joint ownership of the account.

SmartyPig Savings Goals

SmartyPig is set up so that you identify savings (or spending) goals, and set a time frame for achieving the goal. The system then automatically figures out how much money each month will need to go into the account in order for you to reach your goal within your stated time frame. You can choose how often you want money moved from your established bank account into your SmartyPig account.

If money gets tight for a while, SmartyPig does allow you to stop making automatic contributions.  Then once your cash flow picks back up you can restart those contributions.  You can also change your contribution amount whenever you’d like so scaling back your savings is an option.

One thing that would be nice is if you could setup ACH transactions from other sources so you could have part of your paycheck regularly deposited into your SmartyPig account.

SmartyPig Withdrawals

When you reach your goal, you can take your money out of SmartyPig, and use it towards what you’ve been saving for. One thing to note, you cannot partially withdraw money from your account. If you decide you want some of the cash before reaching your goal, you have to take everything for that goal out.

Since this is an online account, it can take a while to get your money. Standard ACH times apply like any online savings account, so don’t put any money in the account that you would need to get out in a day’s notice.

SmartyPig Gift Cards

If you choose to receive your money in the form of a gift card from one of the retail partners, you get a cash back bonus on your card.  The cash back percentage ranges from 2% all the way up to 11% depending on the gift card.  So, if you achieve your savings goal of $1,000, and choose to put those savings onto a Macy’s Retailer Gift Card (which pays 11%) you can get a gift card with $1,120 on it.

 

SmartyPig Rewards Card

The SmartyPig rewards card is a pre-paid card that you can fund from your bank account or from your savings goal.  It seems like funding it from your savings goal would actually be working against your goal.  Even though you’re earning cash back, you’d be depleting your savings balance.

Of course, if you fund it from your bank account then it could be worthwhile. You earn cash back when you shop with the MasterCard debit card at certain stores.  The amount of cash back depends on the store; it varies from 2% up to 10%.  The money you earn can either go right back on your card or into your SmartyPig goal.

SmartyPig Friends & Family

SmartyPig lets you announce and update your savings goals to your friends and family through social media sites like Facebook and Twitter.  Another cool feature is that you can send out emails with a link to a specific savings goal that other people can contribute to.

This could be perfect if you’re having a baby shower or wedding shower and were trying to save up for one big item, rather than asking for lots of smaller gifts.  Another good use would be for kids or grandkids who are saving up for something big, like college or even just an Xbox.  They could email those goals to aunts, uncles, and grandparents at birthdays or gift giving holidays.

Something else to note is that the system’s been around for a few years and has made a lot of improvements based on feedback from its network of users.

Bottom Line

SmartyPig is a great tool to use if you have a specific savings goal in mind – it helps you take saving seriously.

The features like the higher interest rate, gift card bonus, and rewards card help give your savings a boost, so you have financial incentive to save. The ability to define your goals publicly and keep others up to date on your progress also gives you social motivation to save.

Opening an account and getting started is free, so if it sounds interesting and you think it could help you with your savings goals then give it a try.

If you make sure you pay off your balance each month this isn’t an issue but if you’d like to earn cash back without having to ever worry about paying interest, then a cash back debit card could be a good choice. There are several debit cards that reward you on your every day spending just like the cash back credit cards. Your rewards are usually based on your spending, but some cards will boost rewards for certain categories.

Let’s take a look at some of the cash back debit cards that are available nationally. You may be able to find better deals with a local or regional bank, but here’s what some of the big names are offering.

Chase RealCash

• The Reward: With Chase you can get 3% at select categories of retailers such as grocery stores, gas stations, drug stores, and more.
• The Fine Print: The card is capped at $500 rewards per year (you’d have to spend $16,000 to reach it). The real kicker is there is a $25 annual fee, just like a debit card. Chase will give you a $10 cash back bonus when you first use the card, but you still start out $15 in the hole to the bank. You’ll have to spend $500 just to earn enough cash back to get out of that hole. Purchases must be non-PIN transactions.

Bank of America Add It Up

• The Reward: You can earn up to 20% cash back at certain retailers.
• The Fine Print: You only earn cash back at those retailers. You have to log in to the Bank of America “Add It Up” website before visiting the retailer’s website to receive the cash back. You must earn $5 in cash back before you can receive your rewards.

PerkStreet Financial 

• The Reward: Earn 2% rewards on non-PIN purchases if your account balance is over $5,000 on the day of the purchases. Rewards can be redeemed for “cups of coffee”, downloaded songs, or cash/gift cards. Rewards can jump to 5% at select retailers.
• The Fine Print: If your account balance starts at less than $5,000 on the day you swipe your card then you only earn 1% rewards. For a more in-depth look see my PerkStreet review.

US Bank

• The Reward: Earn up to 25% cash back at select retailers. Earn 0.5% for non-PIN purchases at other retailers.
• The Fine Print: The really good cash back is limited to whomever US Bank partners with. Otherwise 0.5% isn’t a lot. You must earn $5 to redeem cash back. At 0.5% that would mean spending $1,000 to get $5.

The Best Cash Back Debit Card
The best card is whichever fits your needs the best. If you happened to spend a lot at the retailers Bank of America partners with then that might be the best fit (if you only used the card at those retailers).

For an all-purpose account Chase has higher cash back, but you start out in the hole due to the annual fee and the higher rewards only occur for certain categories. Since PerkStreet offers cashback regardless of where the purchase is made they probably win out for overall best cash back debit card.

What is PerkStreet Financial?

PerkStreet is a relative newcomer to the online banking industry. What makes PerkStreet different from those other online banks you’re already familiar with like ING Direct and HSBC?

• PerkStreet only offers a checking account that utilizes a debit card and paper checks.
• PerkStreet does not currently offer any other banking products like savings accounts, certificates of deposit, credit cards, or mortgages.
• PerkStreet’s debit card has an intriguing cash back rewards system.

As an online bank, Perkstreet doesn’t have branches to drive up operating costs so they can afford to offer their cash back checking account.

Online Banking

As with other online banks, you can access your Perkstreet accounts from your computer or your mobile device.  Being online does give them the challenge of accepting deposits but they’ve come up with four ways to let you build your account balance.  The simplest two are direct deposits and transfers from another bank. You can also send it in using pre-paid postage envelopes or use free overnight check mailing through services like the UPS Store.

Getting your money out is pretty simple.  You can use your PerkStreet debit card for purchases or to withdraw cash in their network of over 37,000 ATMs.  In terms of safety, your funds at PerkStreet are covered by FDIC up to $250,000.

Perkstreet Debit Card Cash Back

PerkStreet’s debit card offers you cash back on every single purchase you make with the card. That in and of itself should get your attention.

How does it work? It’s all based on your account balance at the start of the day.

If your account balance is $5,000 or more at the start of the day you will earn 2% cash back on every purchase you make that day using the non-PIN method (meaning you sign for the purchase). You also earn 2% for the first three months of having the account regardless of your account balance.

If your account balance is under $5,000 all is not lost. You still earn 1% cash back on every non-PIN debit card purchase.

Cash back is awarded on a variety of options such as Visa gift cards that can be spent anywhere, or for retailers like Target, Best Buy, and Amazon.

PerkStreet Coffee and Music Rewards

You don’t have to get your rewards in cash. PerkStreet also offers the ability to get your rewards in music downloads and cups of coffee. The rewards work out the same except for one catch.

Coffee Rewards

With the coffee rewards you’ll earn 2 cups of coffee worth $2 for every $200 in eligible debit card spending. (You can redeem the rewards at Starbucks, Dunkin Donuts, and others.) That’s $4 on $200 in spending. That’s 2%.

However those rewards get boosted to 5 cups of coffee from every $200 of spend (worth $10, equivalent to 5% cash back) when you spend at select retailers that partner with PerkStreet.

Music Rewards

The music rewards are similar to the coffee rewards. You get 2 songs worth $1 for every $100 in spend. That’s a 2% reward. You can boost that reward to 5 songs per $100 in eligible debit card spending by shopping at specific retailers.

Is Perkstreet Right for You?

Since PerkStreet is a checking account, you’re not earning 1% or 2% on your entire balance in your account. You’ll only earn cash back on what you spend. If you only spend $500 per month and kept your account balance above $5,000 the entire time you would earn 2% or $10 in rewards. If your account balance slipped and you earn 1% rewards on that $500 you’d get $5 in rewards.

Alternatively if you kept $5,000 in a savings account with with a different online bank you would earn 1.1%, or about $4.58 in interest, every month. Without having to spend any money or worry about keeping your account balance above $5,000.

At the end of the day the true benefit you’ll get from opening a PerkStreet account will be determined by:

• how much money you keep in your checking and saving accounts
• how much money you spend every month (specifically on debit cards, not automatic bill pay)

Opening a PerkStreet account is a pretty simple process so one way to see if it fits your needs is to try it out and see what kind of rewards you earn.  PerkStreet periodically offers a bonus for opening a new account so you might even get some extra cash for trying them out. To earn rewards with Perkstreet, get more information here.

Here are the things you should look for from a security perspective when choosing an online savings account.

Secure Banking

Any bank these days will probably be using adequate encryption technology but you should always check.  You shouldn’t enter any personal information or your user name and/or password on any page who address doesn’t start with https.  If you see https you know they are using a technology called Secure Socket Layer (SSL) to prevent anyone else from accessing your information as it travels via the Web.

Email Security

A technique known as phishing is a common way for hackers and identity thieves to try and steal your login information.  They send you an email that looks like it’s from someone you trust, like your online bank, but when you click the link in the email it takes you to a fraudulent site instead of to your online bank account.

Your bank should include a portion of your customer or account number in your email to let you know it’s really from them.  For example, if your account number was 52048234, the email should contain xxxx8234 near the top. You don’t want it to be your full account number for security reasons but including the last few digits let’s you know it’s a legitimate email.

You also want a bank that never uses email to send or confirm personal information, such as account number, PIN number, or social security number.

Login Security

Personalized Authentication

Online savings accounts with the highest level of security have you setup a personalized phrase and image when you setup your online account.

When you’re on the bank’s login page and have given them your user id, they’ll display your custom phrase and image before they ask for your password.  If the image and phrase don’t match what you setup then you know something is fishy, a sign not to enter your password and proceed.

PIN Number

Some banks require you to setup a PIN number in addition to your user name and password. This can be difficult to remember at times and a bit inconvient but it does help increase the login security.  In my opinion it’s worth the extra hassle because it’s your money we’re talking about.

Security Questions

Similar to the personalized phrase, some banks will ask you to answer a variety of questions, such as “What color was your first car”, “What month did you get married”, or “What’s your mother’s maiden name”.  They usually give you a list of questions to choose from and ask you to answer 4 – 8 of them.

Then when you start to login you’re asked to answer one or two of the correctly before you’re able to finish the login process.

Computer Recognition

Some online banks let you register your primary computer so thier online banking software can recognize you when you visit the site from that computer.

For some banks this allows you to skip the security questions but that’s not the real benefit.  The man reason to do this is so that your bank can confirm your identity when you visit the site.

Mortgage Calculators

The interest rates from the mortgage calculator won’t be guaranteed, they’re just estimates.  The rate quotes are based on a variety of factors (loan amount, credit score, loan-to-value ratio, and FHA vs conventional loans) which vary from person to person but they will help you narrow down where you can find the best mortgage rates.

Comparing Lenders

Once you have a short list of lenders for your home mortgage, put the loan rate and closing costs for each one into a spreadsheet.  Make sure you used the same criteria for each of the mortgage loans to keep your comparison accurate.  Then send the spreadsheet to the lenders on your list and ask them if they can give you a better interest rate or lower closing costs than their competitors.

Negotiating Interest Rates

This approach of getting multiple mortgage quotes online and asking for the best deal doesn’t require a lot of time-intensive negotiation or haggling over the best mortgage rates.  If the banks are interested in your business, they will respond and let you know the best interest rate they can offer.  The main hurdle is finding the name and email of a mortgage consultant or loan officer at the bank that has the authority to bargain with you.

A simple way to find the right person is to do a web search for the name of the bank along with the term “mortgage consultant” or “loan officer”.  If that doesn’t turn up anything, just ask for the name and number of a loan officer using the contact form on their website.

Best Mortgage Rates

One thing to keep in mind, the interest rate the loan officer can offer you is limited by the bank’s willingness to adjust down from current mortgage rates.  We were able to get a really low mortgage rate because the bank we used takes a high volume approach to their home loans.

The bank offers lower interest rates and lower loan origination fees than their competitors, which results in lots of customer referrals from friends and family members.  So even though they earn less on each mortgage, the bank has a steady volume of borrowers thanks to the referrals.

The good news is that mortgage rates are the lowest they’ve been in years; it’s hard to say when they’ll be this low again.  If you’re getting a new home loan or thinking about refinancing your mortgage I’d research interest rates to find out the best mortgage rates available and how they could help lower your monthly mortgage payment.

We had to put down some earnest down in a hurry last week when trying to buy a house so we wired some money to title company’s bank.  I never had the need to wire money before so I had a few things to learn.

Bank Transfer Rules

My first wire transfer lesson is that most banks require you to be at the bank in person to send the money; you can’t request it over the phone.  Since I was at work and the money had to go right away, that meant my wife was the one to initiate the transfer.

I wrote up all the transfer information:

• Funding Account #
• Wire Transfer Amount
• Destination Bank:
  • Account Number
  • ABA
  • Physical Address
• Address of Receiving Company

Then faxed it over to our bank, and they had the transfer ready to go when my wife arrived.  She simply had to verify the information and approve the transfer.

Joint Accounts Required

We have a few accounts at our bank, some of them we’re joint owners on and others we’re not.  My wife and I always deposit checks or check balances for each other and never really think about which accounts we have joint ownership on.

However, if you’re going to wire money out of an account, you must be a joint owner on it.  The rule certainly makes sense but if you’re used to sharing accounts it’s something you might overlook.  I did and at first she wasn’t going to be able to send them money for us.  Luckily I was able to transfer the money into a different account we were joint owners on and the bank was able to send the money.

Funds Transfer Timing

Once the bank enters the transfer information into their system, it’s sent to the wire department who will review the the request, then hopefully approve the bank wire transfer and set it up.

I thought once the transfer was keyed in that the money would go right away but that’s not necessarily the case.  If you’re not in need of a fast delivery that’s no big deal but if you need the money to get there as quickly as possible it’s something to keep in mind.

The request has to travel through the appropriate approval channels and can take several hours after it’s submitted.  It won’t necessarily take that long, ours only took a few minutes to send.  I imagine it has a lot to do with the size of the money transfer.  Ours was relatively small so it was sent pretty quickly but if you’re sending tens or hundreds of thousands of dollars it could take a while.

If you need your money to go out that same day it’s best to initiate the wire transfer first thing in the morning if you can.

Wire Transfer Tracking

If the recipient is really antsy to get their money, you don’t have to call your bank every few minutes and ask for an update.  Once our wire transfer request was entered into the system the bank gave us a transfer tracking number. 

Since you don’t know how long the transfer will take, you can simply forward the tracking # to the recipient and have them monitor for the transaction.

You’ve probably read about Electric Orange checking promotions and ShareBuilder promotions in the past but the ones for today both come with a pretty big bonus.

Electric Orange Checking Promotion

If you open a new Electric Orange checking account today you can earn a bonus of $76, the highest ING promotion that I can remember.

You have to make a total of 7 purchases using your Electric Orange Card (signature or PIN-based) or Person2Person Payments (or any combination of the two) within 45 days of account opening to qualify for the bonus.

Unfortunately for me the bonus is only for first time Electric Orange customers so I don’t qualify.  If you don’t have an Electric Orange account and open one today and use your card as explained above, ING will deposit the $76 bonus into your account.

You don’t need any special promotion code, just open the account today to get the bonus.

ShareBuilder Promotion

The ShareBuilder promotion is also $76 if you open a new account today.  Like the Orange checking offer, the ShareBuilder bonus is only open to new customers.

The promotion is for Individual, Joint, and Custodial accounts but doesn’t apply for IRA or Education Savings Accounts.  Your $76 credit will be deposited into your ShareBuildr account 4-6 weeks after you make the first trade in your account.  You’ll need to make your first purchase by the end of the year to qualify for the bonus.

Like the Organe Checking offer, there is no special promotion code, just open the account today to get the bonus.

What’s the Catch?
Companies that offer these bonuses want your business and are willing to reward you for trying out their saving account, debit card, credit card, etc.  They’re confident in the quality and competitiveness of their product and that you’ll be satisfied with what they offer.  Even though it costs the company money to get you to try their services, they know enough people will stick around that the bonuses will eventually pay for themselves.

Beware the Bonus Trap
Since these companies know that adding customers will make them money in the long run, they’re willing to pay you a cash bonus to sample their service. Just be sure to avoid racking up bank fees and carrying a balance on your credit card, otherwise your bonus will just be spent on fees and interest.

What are the Best Cash Bonuses?
The best cash bonuses can change over time as banks and credit card companies start and end various promotions.  Some tend to be cyclical, they’ll pop up around the same time one or twice a year.  For example, the TradeKing bonus below isn’t active right now but seems to come up every fall.  The ShareBuilder Bonus was $25, went up to $50 for a while, and now is back to $25.

Not all bonuses are created equal, some have definite advantages over others. For example, some are actual cash and others are statement credits that you can use like cash. 

The amount of time it takes to redeem your bonus can vary from bonus offer to bonus offer. Most of them have you wait at least 30 days so you can’t open an account, take the money out, then close it the next day. One thing I’ve noticed is that bonuses for local banks tend to have more lenient rules because people actually have to take the time to come into the branch rather than simply entering promotion codes and an application on the web.

Whatever the terms of the offer, make sure you understand them when you sign up so you get your money. Here’s a list of popular cash bonuses:

Credit Card Bonuses

• Chase Sapphire Bonus
• Discover More Bonus – $50
• American Express True Earnings Promotion – $25

Bank Bonuses

• ING Direct Bonus – $25
• FNBO Direct Bonus – $25

Online Brokerage Bonus

• TradeKing Bonus – $50
• ShareBuilder Bonus – $25