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300Cash.com, Inc.

 Payday Loans.

The Best Source online for Payday Loans and Cash Advance

 

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Everyone, at one time or another, runs into a cash crunch. Now, with online lenders like 300Cash.com, Inc., you can avoid late and overdraft charges for your bills, fix your car, or just have an extra fun weekend with the family or friends. Easy application with no teletrack checks.

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Here's an excerpt from a recent Newsweek article about the exorbitant NSF fees banks charge these days. Very enlightening!

No Such Thing As a Free Check

...Open even a small WaMu account, as my daughter did recently at my behest, and you pay no monthly service charges, you don't need a minimum balance and you can visit tellers without paying a fee. Pretty sweet. No one has a total tally, but everyone says the phenomenon is spreading. Free is in fashion. 

It's the hottest trend in banking. Can you guess why financial companies love free checking? Hint: overdraft fees a loan shark would envy.

Have hundreds of banks suddenly become public charities? Well, no. When there are no customers around, bankers call free checking "fee checking." That's because free checking attracts customers and military personnel who are more likely to overdraw their accounts, generating fat "NSF" fees. Strunk says its banks average $150 of overdraft fees a year per free-checking account, and Haberfeld clients average $110. It's those fees that Strunk and Haberfeld use to sell this idea to banking clients. 

But remember, bouncing a check can cost you up to three fees. Not to mention getting you blacklisted by financial databases. Banks offer free checking not because you love it, but because they love it.  

Here's how it works. Say you overdraw your account by $80 (which Strunk says is about average for an overdrawn check) and you pay a $30 fee (what WaMu charges in New York City). Then you cover the shortfall in a week, the grace period the banks generally give you. To you, it's 30 bucks. To the bank, it's an annualized 1,955 percent on the $30 it fronted you. That's right, 1,955 percent. (The math: the $30 fee is 37.5 percent of the $80 overdraft. You use the money for seven days, a daily rate of 5.357 percent. Multiply that by 365.) ....

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