Tag: Checking

FirstBank Free Business Checking – Free Checking For All #business #acquisition #loan

#free business checking


FirstBank Free Business Checking

Earnings credit not available on this account.

If monthly item volume exceeds 150 transactions, the account becomes eligible for earnings credit and the charges for items will be as follows.

  • Debits – Checks/Paper (ledger): $0.20
  • Debits – Automated Clearing House (ACH): $0.15
  • Credits – Paper (ledger): $0.30
  • Credits – Automated Clearing House (ACH): $0.20
  • Deposited Item: $0.10
  • Negative Average Collected Balance Fees will apply. Refer to the FirstBank Business rate sheet for more information.

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Top Checking Accounts With No Overdraft Fees #top # #checking #accounts


Top Checking Accounts With No Overdraft Fees

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Android Check Internet Connection – Network Change Receiver #checking #internet #connection


Android Internet Connection Status Network Change Receiver example

by Viral Patel April 26, 2013

If you are developing an Android app you may already fetching information from internet. While doing so there is a chance that internet connection is not available on users handset. Hence its always a good idea to check the network state before performing any task that requires internet connection.

You might also want to check what kind of internet connection is available in handset. For example is wifi currently enabled? or is mobile data network is connected.

Check Internet Connection

Here is a simple code snippet that will help you identify what kind of internet connection a user has on her device.

First we need following permission in order to access network state. Add following permission to your AndroidManifest.xml file.

Permissions required to access network state:

Now check following utility class NetworkUtil. It has method getConnectivityStatus which returns an int constant depending on current network connection. If wifi is enabled, this method will return TYPE_WIFI. Similarly for mobile data network is returns TYPE_MOBILE. You got the idea.

There is also method getConnectivityStatusString which returns current network state as a more readable string.

You can use this utility class in your android app to check the network state of the device at any moment.

Now this code will return you the current network state whenever the utility method is called. What if you want to do something in your android app when network state changes? Lets say when Wifi is disabled, you need to put your android app service to sleep so that it does not perform certain task. Now this is just one usecase. The idea is to create a hook which gets called whenever network state changes. And you can write your custom code in this hook to handle the change in network state.

Broadcast Receiver to handle changes in Network state

You can easily handle the changes in network state by creating your own Broadcast Receiver. Following is a broadcast receiver class where we handle the changes in network.

Check onReceive() method. This method will be called when state of network changes. Here we are just creating a Toast message and displaying current network state. You can write your custom code in here to handle changes in connection state.

Once we define our BroadcastReceiver, we need to define the same in AndroidMenifest.xml file. Add following to your menifest file.

We defined our broadcast receiver class in menifest file. Also we defined two intent CONNECTIVITY_CHANGE and WIFI_STATE_CHANGED. Thus this will register our receiver for given intents. Whenever there is change in network state, android will fire these intents and our broadcast receiver will be called.

Below is complete AndroidMenifest.xml file.

Run this demo in android emulator or actual device.

Now enable mobile data network. The same will be show in toast message as soon as you enable mobile data connection.

Download Source Code

Download complete source code:
Download:android-network-change-detect-example.zip (376 KB)

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Best Free Business Checking Accounts #business #plans #examples

#free business checking


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NerdWallet s Best Free Business Checking Accounts

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Starting a business can come with headaches and unexpected expenses, but if you have a free business checking account, monthly bank fees are something you won’t have to worry about.

Free business accounts usually don’t earn interest, and there may be charges for some actions, such as transactions over a bank s limit. But the best accounts don’t have minimum-balance requirements or monthly service fees.

NerdWallet looked at the 10 largest banks in the country, along with a few big online banks, and compared their business checking accounts. Here are our top four free accounts.

Best Free Business Checking Accounts

U.S. Bank Silver Business

Capital One Spark Business

Wells Fargo Business Choice

Bank of Internet Federal Bank Basic Business

U.S. Bank Silver Business

Learn More

U.S. Bank’s Silver Business checking package has no monthly fee, and you can make up to 150 transactions a month at no charge. Those transactions include deposits, debit card purchases and online payments. You could use online banking to make transactions with your checking account or stop by one of more than 3,000 branches in 25 states.

When it comes to cash deposits, U.S. Bank allows 25 free units per month. A unit is a cash deposit divided by 100, then rounded to a whole number. So if you deposit $175 cash in one transaction, that s two units — 1.75 rounded up to two.

After you reach the 25-unit limit, there’s a small charge for additional cash deposits. Fees vary by state, but the charge is 17 cents for every additional $100 deposited in Minnesota, where the company is headquartered, as well as in some other states, including California and Georgia.

If you have more than 150 transactions a month, there’s also a fee of 50 cents for each item over the cap. A freelance graphic designer probably won’t have to worry about reaching this limit. But a sandwich shop owner may have well over 200 transactions a month and owe fees.

Capital One Spark Business

Capital One’s online Spark Business accounts have no monthly fees and no minimum deposit requirements. Not only that, the accounts also offer unlimited checking transactions each month, including deposits, withdrawals and transfers. Other banks usually limit free transactions to around 100 or 200 a month.

To make check deposits, you can snap a picture of a check and upload it to your account or make a deposit at a Capital One ATM that accepts checks. For withdrawals, you can tap one of the 40,000 fee-free Allpoint or Capital One ATMs across the country.

But Spark Business checking may not be a good option if your business needs to deposit cash or if you prefer face-to-face service. Branches don t provide support for Spark Business accounts, and only Capital One ATMs, which are in just a handful of states, accept cash deposits.

Wells Fargo Business Choice

Technically, Wells Fargo’s Business Choice Checking account charges a $14 monthly fee. But it’s so easy to get the fee waived — just make at least 10 debit card purchases a month or meet other qualifications — that this megabank earned a spot on NerdWallet s list.

The first 200 transactions each month are free. After that, there’s a charge of 50 cents per item. And Business Choice Checking is good for businesses that handle cash, because you can make cash deposits up to $7,500 a month at no extra charge. That’s nearly twice the amount other big banks allow. After that, there’s a charge of 30 cents for every additional $100 in cash deposits.

Other ways to avoid the monthly service fee:

Wells Fargo also offers Simple Business Checking, which has a $10 monthly fee, waived with a $500 average balance. You receive fewer free transactions and lower cash deposit limits, but there’s no requirement to make a certain number of debit purchases to get the monthly fee waived.

Bank of Internet Federal Bank Basic Business

Learn More

at Bank of Internet

This online bank is best for entrepreneurs who prefer to do all their banking electronically, since there are no bank branches to visit. The Basic Business Checking account allows up to 200 free transactions a month and then 30 cents for each transaction after that. In addition, there’s a cap of 60 scanned deposit checks each month.

You can also make deposits by mailing a check to Bank of Internet’s headquarters in San Diego, or by wiring money to your account from another institution. But be aware your institution may charge an outgoing wire fee. typically $15 to $30.

The Bank of Internet account also offers unlimited ATM fee reimbursement for ATMs that are in the United States. There’s no monthly maintenance fee, though you’ll need $1,000 to open the account.

It’s pretty easy to find a free business checking account from a top bank. To find what regional and local institutions have to offer, see NerdWallet’s state-by-state list of free business checking accounts .


We took a close look at the 10 largest U.S. consumer banks based on assets, and five large and notable online banks. Financial institutions surveyed: Ally Bank. Bank of America. Bank of Internet, BB T, Capital One. Chase. Citibank. EverBank. First Internet Bank, PNC. SmallBusinessBank.com, SunTrust, TD Bank. U.S. Bank and Wells Fargo.

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