Good News to iPhone user. iPhone user is now able to deposit/transfer money instantly from his mobile.Below we provide a review of this new ATM feature of iPhone.

New Feature OF iPhone:

• iPhone has the feature of new ATM system at Chase Bank
• User can deposit a check & iPhone ATM system will scan its both side
• User can check him bank balance at any time
• User can directly deposit money to his/her Chase bank account
• iPhone provide this ATM service free of cost to its user
• Person to Person Quickpay feature is enabled.User can send money to other user Chase bank account instantly using only Email Id

Limitation Of New ATM Feature Of iPhone:

• iPhone user can not withdraw money from Chase Bank account with iPhone ATM feature

HDFC Bank Increase Average Quarterly Balance (AQB) requirements for Savings Account Holder.The AQB for all Savings Regular accounts will be revised effective 1st April, 2010. The revised AQB will be as follows:
Savings Regular account – Rs. 10,000 for Metro/Urban branches and Rs. 5,000 for Semi-urban/Rural branches
Kids Advantage account – Rs. 5,000 for all the branches
Senior Citizen account – Rs. 5,000 for all the branches
The revision is not applicable to customers who are a part of Corporate Salary/Imperia/Preferred/Classic programmes. For any further clarifications, you are requested to contact PhoneBanking or visit the nearest branch.

From 5th February,2010 onwards, PayPal halts all personal payment service to & from Indian PayPal user account. PayPal not clear about this problem.They not officially declared this as a policy change. PayPal also requested Indian PayPal account holder that They are trying to resolve this issue as quickly as possible .PayPal reversed all personal payment received in Indian PayPal account holder to sender account from 1st February.Lakhs of Indian PayPal user feared about the future of money exist in PayPal account. PayPal fund withdrawal to Indian bank account also suspended currently.

Indian PayPal got the Below mail from PayPal when Payment is reversed:

“Hello
Your payment of XXX has been sent back to the sender of the payment. We reversed this payment because we have stopped allowing personal payments to be sent to or from India. If this was a payment for a purchase of goods or services, and not a personal payment, then you may contact the buyer and have him or her resend the payment as follows: (a) click the Send Money tab, (b) select “Goods,” and (c) provide a shipping address. If this payment was a personal payment such as a gift, then we have requested that the sender find another payment method until we restore personal payments to and from India. We are trying to resolve this issue as quickly as possible and we’re sorry for any inconvenience.
Thank you, PayPal”

Currently Payment Solution Available:
PayPal also mentioned that Ask the sender to resend payment using the ‘Goods’ function & must mention their shipping address.Similarly if Indians intend to send Personal payments, you have to choose Goods & mention your Shipping Address

HDFC BANK Is Declared as The Most Technology-friendly Bank.This is announced at the Businessworld Best Bank Awards.Best Bank Awards is awarded to bank performing Best Bank, Fastest Growing Bank, Most Tech-savvy Bank, Best Banker and Lifetime Achievement, among others.

Here is The BusinessWorld Annuals Award At a Glance:

• The Most Technology-friendly Bank: HDFC BANK
• Best bank Award: SBI
• Fastest Growing Bank: Axis Bank
• Banker Of The Year: Mr. OP Bhat, Chairman, SBI
• Lifetime Achievement award: Mr. M Narasimhan, former RBI Governor.

UCO Bank credit card is more safe & secure.This credit card is one of the most secure than any other credit card.

UCO Bank offer following facility to credit card holder:

• UCO Bank explain the relevant terms and conditions such as fees and interest charges, billing and payment.
• UCO Bank will provide all details of credit card transaction.
• Free of cost UCO Bank credit card statement directly into your inbox & also in your mailing address.
• Never enhance credit limit without customer consent.
• UCO Bank will send PIN mail of credit card securely.

Bank Customer also can avail UCO Bank Loan. UCO Bank customer go to: http://www.ucobank.com/loan.htm  to know more about UCO Bank Loan scheme.

If you have cash with you,don’t use your credit card.Remember Credit card company are smarter than you. First I am tell you why credit card is not good:

• Credit card only have 16 digits number & security pin on back side. So it can be used any where.
• Most shopping outlet other than few mega shopping mall, charge 2.5% extra while purchasing with credit card.
• You have to pay the MRP while purchasing from that few mega shopping mall but same thing can be purchasing much lower than MRP.
• Credit card company have several hidden charge which they don’t tell you at beginning.
• Never withdraw cash with credit card,they take extremely high interest.
• Reward point matter is totally worthless,you need to pay extra money at the time of redeem it.

But the most important reason is that Credit card change the mentality of spending.Study revels that people purchase exceed their need while purchasing with credit card. So avoid using credit card & save your valuable money.

If you need personal loan, you need some document for income proof, residential address proof, age proof, income proof.

Here is some most common documents needed to get a personal loan:–

• PAN Card (Also Driving License accepted)
• Voter Id card
• Passport
• Bank Statement(For last 3 month)
• Latest PaySlip(If Salaried)
• Ration Card,Utility Bill for Proof of Residence
• 8-10 passport size photograph

Where to Contact for personal Loan to check interest rates?

 Check below but remember to show your eligibility, show your permanaent source of regular incomes as well as banks always check the repayment capacity of the borrowers.

 For ICICI BANK: Goto http://www.icicibank.com/Pfsuser/loans/personalloans/plhomepage.htm

For HDFC BANK: Goto http://www.hdfcbank.com/personal/loans/personal_loans/personal_loans.htm

For SBI: Goto http://www.statebankofindia.com/viewsection.jsp?lang=0&id=0,1

For AXIS BANK: Goto http://www.axisbank.com/personal/loans/personalpower/Personal-Loan.asp

For CITI BANK: Goto http://www.online.citibank.co.in/portal/newgen/seo/loans/personalloan/personal-loans.htm

For HSBC BANK: Goto http://www.hsbc.co.in/1/2/personal/loans/personal-loan

Bank Of provide extra security for credit card holder by providing Total Security Protection.Now Bank Of America Credit card holder can use their card risk free.

This Facility is available at the time of:

• Theft of card
• Loss of Card
• Unauthorized Use of Card

 Features of this Facility:

• Bank of America Provide 100% return of any unauthorised transaction of Card
• Bank of America credited customer account as soon as the end of the next day for unauthorized transactions.
• Bank Provides password protection to prevent others from using the card .

When to Claim for Reimbursement:

• Report to bank within 60 days from statement date.

 Now Bank Of America Customer can use their card in tension free mood.

State Bank Of India recently announced & intoduced NRI e-Z trade facility.With this facility,NRI customers will have the facility to trade online in shares through their NRE Portfolio Investment Scheme (PIS) account.

Here is some useful FAQ:

How to avail this facility?

• Send email to nri@sbicapsec.com
• Please mention present home branch,NRE account number,address with phone number in email.

Who Announced This facility?

SBICAP Securities Ltd (SSL) now announced this facility.

Who is the targeted customer?

Only NRI having account with any branch of SBI.

Where NRE PIS account will be open after availing this facility?

State Bank of India NRI branch, Mumbai.

What is PIS?

It is Portfolio Investment Scheme .

Now ICICI BANK netbanking customer can prepare & file IT Return online through Taxsmile.com.You can fillup & file IT Return in secure & simple way.

You just need:

• A Internet connection
• Be an ICICI BANK customer
• Should registerd with Netbanking facility.

taxsmile.com offer 2 package for ICICI BANK customer.

TaxSmile Silver:  You have to answer some online question for preparation of return.Taxsmile file this return online.Cost is very less only Rs250(ICICI Bank customer get a discount of Rs25).

TaxSmile Gold:  This is the best recommended plan for using TaxSmile. You get a lots here.You can file truen online with Digital Signature & also with physical file support(If you wish).This plan cost you Rs.400(ICICI Bank customer get a discount of rs 50).

Befinits of taxsmile:

• Site is verisign secure. So this is one of the safest site.
• Site is Mcafee Secure.
• Limitation of this offer:
• This offer only for some lucky ICICI Bank customer.

Contact Details:

• Phone Number: 080 67821616
• Email id: info@taxsmile.com
• website: www.taxsmile.com