DailyFinance.comhttp://www.dailyfinance.comDailyFinance.comhttp://o.aolcdn.com/os/df/2013/img/2-dailyfinance_logo_m.pngDailyFinance.comhttp://www.dailyfinance.comen-usCopyright 2013 Weblogs, Inc. The contents of this feed are available for non-commercial use only.Blogsmith http://www.blogsmith.com/What the Big Banks Think of Mobile Bankinghttp://www.dailyfinance.com/2011/04/04/what-the-big-banks-think-of-mobile-banking/http://www.dailyfinance.com/2011/04/04/what-the-big-banks-think-of-mobile-banking/http://www.dailyfinance.com/2011/04/04/what-the-big-banks-think-of-mobile-banking/#commentsFiled under: ,

Banking on your smart phoneResearchers predict that more than half of us will own a smartphone by the end of the year, and even people who consider themselves tech-shy probably have an ordinary cell phone in their purse or clipped to a belt. Not just for texting or surfing the net, these devices are at the cutting edge of the way we interact with our financial institutions.

A rapidly growing number of activities you can do in person or via a phone call can now be accomplished - sometimes faster, because there's no waiting in line or on-hold time - with a few taps of the keyboard on your cell phone. In fact, five years from now, Javelin Strategy and Research predicts that 86 million of us will use our mobile phones to conduct our banking activities.

WalletPop contacted the nation's biggest banks to find out a little more about the applications, alerts and other tools that are bringing banking into the 21st century.

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]]>Bank of Americabankingbanking appscell phone bankingCitimobile bankingWells FargoMartha C. WhiteMon, 04 Apr 2011 17:00:00 ESTAmEx Debuts Mobile Payment Systemhttp://www.dailyfinance.com/2011/04/04/amex-debuts-mobile-payment-system/http://www.dailyfinance.com/2011/04/04/amex-debuts-mobile-payment-system/http://www.dailyfinance.com/2011/04/04/amex-debuts-mobile-payment-system/#commentsFiled under: ,

P2P financial interchange, hearkening mobile payment systemWe told you last month how Visa plans to roll out a system that would let people pay each other without cash or checks by using their cell phones. The innovation would let people who wanted to pay their babysitter, for instance, or a colleague who grabbed them coffee simply by accessing their mobile phone number or email address. Now, American Express has announced a competing peer-to-peer (P2P) payment tool called Serve.

According to the company, users can pay other people online or via their cell phones, and use the service to make purchases at retailers that accept American Express via a reloadable prepaid debit card that's linked to the consumer's online Serve account. Serve has mobile apps for both Android and Apple smartphones and can be accessed via Facebook in addition to the Serve.com website.

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]]>mobile payment systemP2P paymentsP2pPaymentsperson to person paymentsPersonToPersonPaymentsMartha C. WhiteMon, 04 Apr 2011 13:15:00 ESTFed Up With Checking Fees? Try a Small Bankhttp://www.dailyfinance.com/2011/04/03/fed-up-with-checking-fees-try-a-small-bank/http://www.dailyfinance.com/2011/04/03/fed-up-with-checking-fees-try-a-small-bank/http://www.dailyfinance.com/2011/04/03/fed-up-with-checking-fees-try-a-small-bank/#commentsFiled under: ,

Check feesAmericans aren't thrilled with the way the nation's biggest banks have been piling on the fees lately, and it seems they're looking for an alternative. According to new research from the National Foundation for Credit Counseling, 51% of respondents to a recent online poll said they would shop for another bank if theirs slapped a fee for checking accounts on them.

Judging from the parade of news about how our big banks are doing just that and more with fees for everything from having too little money in your checking account to using another bank's ATM, that's potentially a lot of people who are shopping for a new place to park their hard-earned dollars.

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]]>bad banksbank feesbig bankscredit unionssmall banksMartha C. WhiteSun, 03 Apr 2011 08:00:00 ESTDrop in Credit Card Debt Reveals Ongoing Hardshiphttp://www.dailyfinance.com/2011/04/01/drop-in-credit-card-debt-reveals-ongoing-hardship/http://www.dailyfinance.com/2011/04/01/drop-in-credit-card-debt-reveals-ongoing-hardship/http://www.dailyfinance.com/2011/04/01/drop-in-credit-card-debt-reveals-ongoing-hardship/#commentsFiled under: , , ,

woman worried over credit card debtWe recently told you about a handful of cities across the country where credit card debt has continued to rise, despite the recession. Articles like this one also highlight the cities where revolving debt is highest, sometimes accounting for as much as 17% of the average income in an area.

Interested in the other side of the story -- are there any places where credit card debt has fallen? -- WalletPop contacted the credit bureaus Experian and Equifax and asked them to share any information they had on U.S. cities where credit card debt had decreased the most last year.

We also asked a credit expert to weigh in on what the data means about our economic status as a nation -- and the news ain't good.

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]]>cities with least debtcredit card debtcredit cardsdebteconomic recoverymortgageMartha C. WhiteFri, 01 Apr 2011 09:00:00 ESTGot a Gift Card From a Troubled Retailer? Use It Nowhttp://www.dailyfinance.com/2011/03/31/got-a-gift--card-from-a-troubled-retailer/http://www.dailyfinance.com/2011/03/31/got-a-gift--card-from-a-troubled-retailer/http://www.dailyfinance.com/2011/03/31/got-a-gift--card-from-a-troubled-retailer/#commentsFiled under: ,

Liquidation sale at Borders book storeAlthough economists tell us the recession is over, the drumbeat of bad news in the retail sector continues. Bookseller Borders and gift-basket purveyor Harry & David both recently filed for bankruptcy, and video chain Blockbuster has been working its way through a Chapter 11 bankruptcy since last September. As the blog Consumerist points out, if you have a Blockbuster gift card (or Borders, we'll add), it might be a good idea to use it. Now. According to a message sent in by a tipster, Blockbuster will stop accepting gift cards on April 7.

Customers with gift cards are, legally speaking, unsecured creditors, says Odysseas Papadimitriou, founder and CEO of gift card exchange CardHub.com. This means they're unlikely to get back anything if a chain goes into bankruptcy and liquidates, since secured creditors get first crack at any assets (and they generally wind up losing money as it is). If you happen to hear about a retailer going through financial distress, it's a good time to cash in that gift card, unless you want to think of it as a novel tool to scrape any late-season frost off your windshield. If it's a card from a store you never patronize and can't really use, buy something and either try to unload it on eBay or Craigslist, or give it as a gift. (If you're gifting, though, be really sure the person will like the item, since they might not be able to return it if the brand goes belly-up.)

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]]>bankruptcyblockbusterBlockbusterVideoborders booksgift cardsliquidationunused gift cardsMartha C. WhiteThu, 31 Mar 2011 13:00:00 ESTRich Travelers Can't Stand Flying Anymorehttp://www.dailyfinance.com/2011/03/30/rich-travelers-cant-stand-flying-anymore/http://www.dailyfinance.com/2011/03/30/rich-travelers-cant-stand-flying-anymore/http://www.dailyfinance.com/2011/03/30/rich-travelers-cant-stand-flying-anymore/#commentsFiled under: ,

first class fliers looking none too happy - rich travelersAirlines make a lot of their money by selling pricey first-class seats to wealthy travelers. They might need to rethink this strategy, though, in light of a new survey that shows big-ticket travelers are turned off by the quality of the service they receive.

According to research by travel-focused market research firm PhoCusWright, a quarter of all fliers feel negatively about the air travel experience, while rich travelers are twice as likely to feel negatively about the service they receive.

This disconnect between the airlines and their luggage-toting cash cows is nothing new, according to airline industry consultant Bob Mann, but it's gotten worse in recent years.

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]]>airlinesbusiness travelfirst classprivate jetswealthy and travelMartha C. WhiteWed, 30 Mar 2011 09:00:00 ESTThe Ultimate Controlling Parent: Calling the Shots From Beyond the Gravehttp://www.dailyfinance.com/2011/03/29/the-ultimate-controlling-parent-calling-the-shots-from-beyond-t/http://www.dailyfinance.com/2011/03/29/the-ultimate-controlling-parent-calling-the-shots-from-beyond-t/http://www.dailyfinance.com/2011/03/29/the-ultimate-controlling-parent-calling-the-shots-from-beyond-t/#comments"Where there's a will, there's a way," the saying goes, but according to estate lawyers and inheritance specialists with whom WalletPop spoke recently, a more accurate version of that adage might be, "Where there's a will, there's a relative holding onto the purse strings in the afterlife."

Inheritances and the trusts through which they're often distributed are rife with conditions the beneficiary must meet if they want to get those assets. For these unfortunate survivors, they're faced with the prospect of a parent or other loved one controlling their life from beyond the grave.

"I've seen required drug tests, or no distributions paid out until the beneficiary gets a Ph.D. It can go on and on," says Myra Salzer, right, founder of The Wealth Conservancy.

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]]>controlling parentwillMartha C. WhiteTue, 29 Mar 2011 13:00:00 ESTWells Fargo Drops Debit Card Rewardshttp://www.dailyfinance.com/2011/03/28/wells-fargo-drops-debit-card-rewards/http://www.dailyfinance.com/2011/03/28/wells-fargo-drops-debit-card-rewards/http://www.dailyfinance.com/2011/03/28/wells-fargo-drops-debit-card-rewards/#commentsFiled under:

Wells Fargo signThe nation's banks are behaving like the airlines these days: As soon as one implements a new policy or program, others pile on. In this case, a mere week after Chase took the ax to its debit rewards program, news comes that Wells Fargo (along with Wachovia, which it acquired a few years ago) is doing the same.

Starting yesterday, new Wells Fargo and Wachovia customers can no longer enroll in the bank's debit rewards program. Existing customers get to keep earning rewards for now, although that could change if Wells follows in Chase's footsteps.

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]]>bankingdebit card rewardsrewardswells fargoMartha C. WhiteMon, 28 Mar 2011 13:00:00 ESTRussell Simmons Tries to Defend Pricey Prepaid 'Rush Cards'http://www.dailyfinance.com/2011/03/28/russell-simmons-tries-to-defend-pricey-prepaid-rush-cards/http://www.dailyfinance.com/2011/03/28/russell-simmons-tries-to-defend-pricey-prepaid-rush-cards/http://www.dailyfinance.com/2011/03/28/russell-simmons-tries-to-defend-pricey-prepaid-rush-cards/#commentsFiled under:

Russell Simmons - rush cardHip-hop mogul Russell Simmons has gone on a virtual PR blitz recently to talk up his prepaid "Rush Cards" and fight back against the negative publicity that's been attached to these type of cards ever since the Kardashian sisters' fiasco with their Kardashian Prepaid MasterCard gave the American public a better understanding of just how much these pieces of plastic cost.

Simmons asserted in a March interview with Forbes Magazine that his Rush Card is good for people who don't have a bank account because it's cheaper than check-cashing stores.

Technically speaking, this might be true, although we're skeptical Simmons really wants to help out the unbanked as much as he says he does, given that he's not at all shy about helping himself to his customers' hard-earned dollars: The Rush Cards cost between $4 and $15 to acquire; from there, a monthly plan costs $10 a month and PIN-based transactions cost a dollar apiece. A pay-as-you go plan has no monthly fee, but every transaction costs a dollar, up to $10 a month. There are additional fees for withdrawals, checking balances and other everyday actions.

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]]>bank cardsbank feesKardashian sistersRush cardsRussell SimmonsunbankedMartha C. WhiteMon, 28 Mar 2011 09:00:00 ESTPaying With Your Mobile Phone: What's That Going to Cost?http://www.dailyfinance.com/2011/03/25/paying-with-your-mobile-phone-whats-that-going-to-cost/http://www.dailyfinance.com/2011/03/25/paying-with-your-mobile-phone-whats-that-going-to-cost/http://www.dailyfinance.com/2011/03/25/paying-with-your-mobile-phone-whats-that-going-to-cost/#commentsFiled under: , ,

young woman with cell phone - pay mobile phoneInterest is growing around the idea of using your mobile phone to pay for goods and services. Visa recently announced its intention to let people transfer cash to one another using their cell phones, and software developers are working on programs that would turn your phone into a kind of virtual wallet you could use to pay for just about anything.

For people who think carrying around a wallet full of credit cards is archaic, or for those who don't want to keep large sums of cash in their pocket, the idea is tantalizing: Just wave your phone in the direction of a payment transmission machine and walk out of the store with your purchases.

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]]>cell phonesinterchange feesmerchantsmobile paymentNational Retail Federationpaying by phoneshoppingMartha C. WhiteFri, 25 Mar 2011 10:00:00 ESTChase Takes the Ax to Debit Rewards — Againhttp://www.dailyfinance.com/2011/03/23/chase-takes-the-ax-to-debit-rewards-again/http://www.dailyfinance.com/2011/03/23/chase-takes-the-ax-to-debit-rewards-again/http://www.dailyfinance.com/2011/03/23/chase-takes-the-ax-to-debit-rewards-again/#commentsFiled under:

Customer at a Chase BankWell, that didn't take long. A little more than a month after we told you how Chase had suspended new customer enrollment into its debit rewards program, the mega bank has announced that it's eliminating reward-earning entirely. According to this article, Chase mailed letters saying it would discontinue rewards in July, blaming the Federal Reserve's limitations on interchange fees.

The New York Times quotes this segment of the letter sent to Chase customers: "Congress recently enacted a new law known as the Durbin Amendment that significantly impacts debit cards...As a result of this law, we will be changing our debit rewards program."

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]]>chasechase rewardschase rewards cutMartha C. WhiteWed, 23 Mar 2011 14:00:00 ESTHow Bad Credit Can Affect You in the Workplacehttp://www.dailyfinance.com/2011/03/22/how-bad-credit-can-affect-you-in-the-workplace/http://www.dailyfinance.com/2011/03/22/how-bad-credit-can-affect-you-in-the-workplace/http://www.dailyfinance.com/2011/03/22/how-bad-credit-can-affect-you-in-the-workplace/#commentsFiled under: , ,

Teresa TurnerBad credit can limit your ability to get a loan or score a low-interest rate on a credit card, but that's not all it can do. It can also rear its ugly head in the workplace, making it harder for you to do your job or even -- in a frustrating catch-22 -- keep you from getting a job that could help you break your cycle of debt and poor credit.

Teresa Turner, right, a former Realtor in California whose livelihood was decimated when the real estate market crashed, knows this firsthand. When her business started to go south in early 2008, she began relying on credit cards, confident she could ride out a slow patch. Today, she's considering filing for bankruptcy, and she suspects her problem landing a new job is directly related to the hit her formerly good credit has taken in the interim.

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]]>bad creditbad credit and jobscreditcredit reportMartha C. WhiteTue, 22 Mar 2011 12:00:00 ESTThe $5 ATM Fee: Coming Soon to a Bank Near You?http://www.dailyfinance.com/2011/03/21/the-5-atm-fee-coming-soon-to-a-bank-near-you/http://www.dailyfinance.com/2011/03/21/the-5-atm-fee-coming-soon-to-a-bank-near-you/http://www.dailyfinance.com/2011/03/21/the-5-atm-fee-coming-soon-to-a-bank-near-you/#commentsFiled under:

Chase Bank ATM in Illinois, which charges non-Chase customers a $5 ATM feeIt's been well-documented that banks are hiking fees for users -- and blaming government regulations for "making" them do it -- for the past several months. But the news that Chase launched a pilot program that charges non-Chase customers a $5 ATM fee to use Chase machines in Illinois has even cynics raising their eyebrows. According to this article, the $5 ATM fee is one of many ways banks are trying to make up lost revenue they can no longer rake in on automatic overdraft charges or "anytime, any reason" credit card rate hikes.

Customers aren't generally charged for withdrawing money at their own bank's ATM -- not yet, anyway. But a bank customer is generally dinged twice if they make a withdrawal at an out-of-network machine. The owner of the machine charges the customer's bank a fee, which most (but not all) banks pass along to their customers with a little extra thrown in. On top of this, the owner of the machine also collects a separate fee form the customer for using the machine. In total, ATM fees let banks pull in $7.1 billion last year, and it's clear they want this number to increase.

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]]>atm feesbankingbanking feesMartha C. WhiteMon, 21 Mar 2011 14:00:00 ESTVisa's New System Lets People Pay Each Other Without Cashhttp://www.dailyfinance.com/2011/03/21/visas-new-system-lets-people-pay-each-other-without-cash/http://www.dailyfinance.com/2011/03/21/visas-new-system-lets-people-pay-each-other-without-cash/http://www.dailyfinance.com/2011/03/21/visas-new-system-lets-people-pay-each-other-without-cash/#commentsFiled under: ,

swiping a credit card - pay with mobile phoneAlthough many of us get our paychecks direct-deposited into our bank accounts and pay for many daily expenses with the swipe of a debit or credit card, there's one aspect where commercial activity is several decades behind: person-to-person transactions.

So if you ask a colleague to grab you lunch when he goes to the deli or you hire a babysitter for a night out without the kids, you either have to have cash on hand -- and exact change, at that -- or go through the hassle of writing them a check. Sure, there's PayPal, but that involves setting up an account and agreeing to letting them take a cut off the top.

In other words, there's never been a good, hassle-free solution for peer-to-peer transactions. According to the news, that might be changing.

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]]>bankingcash transactionspay via mobile phonepaypalpeer-to-peer transactionVisaMartha C. WhiteMon, 21 Mar 2011 12:00:00 ESTSave Your Credit Score With These Five Stepshttp://www.dailyfinance.com/2011/03/16/save-your-credit-score-with-these-five-steps/http://www.dailyfinance.com/2011/03/16/save-your-credit-score-with-these-five-steps/http://www.dailyfinance.com/2011/03/16/save-your-credit-score-with-these-five-steps/#commentsFiled under: , ,

man hands a credit card over - credit scoreIf you're an even semi-regular WalletPop reader, you know the importance of a good credit score. Not only is it your golden ticket to getting better rates for things like mortgages and credit cards, it also may help you get lower rates for auto insurance, rent an apartment and even get a job.

But with lenders continuing to tighten their standards even as the credit crunch eases, Americans have to keep close watch on their scores. Even a small slip could mean the difference between qualifying for a lender's prime rate or not.

If you're one of the many consumers just treading water with your credit score or trying to keep a small mistake from mushrooming into a financial crisis, read on. WalletPop spoke with credit score experts and asked them what steps you can take to save your credit score now.

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]]>credit cardscredit reportcredit scoreOdysseas Papadimitriousave your credit scoreMartha C. WhiteWed, 16 Mar 2011 12:00:00 ESTBank Lowers Credit Card APRs for Some, but Adds Fee for Othershttp://www.dailyfinance.com/2011/03/15/bank-lowers-credit-card-aprs-for-some-but-adds-fee-for-others/http://www.dailyfinance.com/2011/03/15/bank-lowers-credit-card-aprs-for-some-but-adds-fee-for-others/http://www.dailyfinance.com/2011/03/15/bank-lowers-credit-card-aprs-for-some-but-adds-fee-for-others/#commentsFiled under: , ,

Bank of America branchThe cat and mouse game continues. Americans are beginning to reap more of the benefits of 2009's landmark credit card protection legislation, the CARD Act, even as some banks continue to add fees. The Act ordered banks to review credit card customers' files to determine if their interest rates should be lowered. According to this National Public Radio story, it's apparent that at least one of the "big four" banks -- Bank of America -- is cutting some high-value cardholders' interest rates by as much as half, even as it adds $59 annual fees to customers who are least likely to be able to get another card from a different issuer.

"The divide that's dividing the haves and have-nots has gotten even bigger," Curtis Arnold, founder of CardRatings.com, tells WalletPop. "As we come out of this credit crunch, my concern is it's almost like a disappearing middle class. That's a concern to me as a consumer advocate, because millions and millions of consumers fall into this category," he says.

Continue reading Bank Lowers Credit Card APRs for Some, but Adds Fee for Others


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]]>bankBank of AmericaCARD Actcredi card APRcredit cardcredit card feesMartha C. WhiteTue, 15 Mar 2011 13:00:00 ESTCoinstar Offers Fee-Free Gift Cards in Exchange for Changehttp://www.dailyfinance.com/2011/03/15/coinstar-offers-fee-free-gift-cards-in-exchange-for-change/http://www.dailyfinance.com/2011/03/15/coinstar-offers-fee-free-gift-cards-in-exchange-for-change/http://www.dailyfinance.com/2011/03/15/coinstar-offers-fee-free-gift-cards-in-exchange-for-change/#commentsFiled under: , ,

pile of pennies - gift cardsGreen Coinstar machines are ubiquitous in grocery and big discount stores around the country; for a nearly 10% fee, they'll sort your change for you and give you bills in return. We'll be the first to admit that rolling coins is tedious work (especially since many banks make you put your name and address on every single roll), but that 9.8% fee that the company charges seems steep for something your kid could do in his or her spare time.

Now comes the news that Coinstar has begun expanding on a little-known program that eliminates that fee as long as the customer is willing to have their pennies converted into retailer gift cards rather than cash.

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]]>Coin Starcoinscoinstarfrugalgift cardssaving moneyshoppingspare changeMartha C. WhiteTue, 15 Mar 2011 08:00:00 ESTCapital One Shows Big Credit Card Sign-Up Rewards Are Backhttp://www.dailyfinance.com/2011/03/11/capital-one-shows-big-credit-card-sign-up-rewards-are-back/http://www.dailyfinance.com/2011/03/11/capital-one-shows-big-credit-card-sign-up-rewards-are-back/http://www.dailyfinance.com/2011/03/11/capital-one-shows-big-credit-card-sign-up-rewards-are-back/#commentsFiled under: , ,

Quick Guide

Quick Guide

Quick Guide

Capital One bank signWe've written about Capital One's Venture card before because it offers attractive rewards for frequent travelers. If you've been considering applying for one of these cards, now's the time: Capital One is rolling out a new promotion in which it will match up to 100,000 frequent flier miles accrued on another card.

Capital One uses a simple formula to calculate the cash value of miles: Divide by 100. In other words, 50,000 miles equals $500; 100,000 miles is $1,000. According to CBS MoneyWatch, the promotion runs until May 13th or until the company gives away a billion miles.

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]]>bankingcapital one credit cardscapital one venture cardcredit cardsrewards credit cardstravelMartha C. WhiteFri, 11 Mar 2011 15:00:00 ESTCan You Really Get a Perfect Credit Score? These Folks Didhttp://www.dailyfinance.com/2011/03/11/can-you-really-get-a-perfect-credit-score-these-folks-did/http://www.dailyfinance.com/2011/03/11/can-you-really-get-a-perfect-credit-score-these-folks-did/http://www.dailyfinance.com/2011/03/11/can-you-really-get-a-perfect-credit-score-these-folks-did/#commentsFiled under:

M. Bennet Broner - Improve credit scoreAlthough credit scores fall in a range from 300 to 850, most of us never see the very top or the very bottom of that range -- the majority of us fall somewhere in the middle. But some Americans see that 850 as a fiscal mountain to climb, and they set about getting as close to the summit as possible.

Take a look at Ben Broner, for instance. Broner (at right), a grant development professional in Alabama, bought a foreclosed house at auction for his two grown children to spare them the cost of rent while they save up for their own down payments. Broner was able to combine the new mortgage with his existing one at a rate of 3.9% in less than a week, and he just closed on the property.

"It actually happened very fast," he says. The reason why? Broner thinks it has a lot to do with his 812 credit score.

It's worth noting that you don't need an 850 -- or even an 812 -- to enjoy the perks of good credit. Most lenders' best rates go to anyone who has a score over 750. But if you want the bragging rights of of a perfect score, read on.

WalletPop talked to Broner and others like him who are shooting for that "holy grail," then we asked a credit score expert what they were doing right -- and what they could be doing better in their quest.

Continue reading Can You Really Get a Perfect Credit Score? These Folks Did


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]]>credit cardscredit reportscredit scoresmaintaining good creditpaying balanceperfect credit scorestore cardsMartha C. WhiteFri, 11 Mar 2011 11:00:00 ESTDebit Interchange Fee Battle Heats Up Ahead of Fed Rulinghttp://www.dailyfinance.com/2011/03/08/debit-interchange-fee-battle-heats-up-ahead-of-fed-ruling/http://www.dailyfinance.com/2011/03/08/debit-interchange-fee-battle-heats-up-ahead-of-fed-ruling/http://www.dailyfinance.com/2011/03/08/debit-interchange-fee-battle-heats-up-ahead-of-fed-ruling/#commentsFiled under: ,

debit card - debit feeThe Federal Reserve is charged with issuing its decision next month on the fees that financial institutions charge stores every time a customer pays with a debit card. These interchange fees, as they're called, were for years a hidden cost borne by merchants who wanted to allow customers to use their debit cards.

A lawsuit settlement last year made consumers more aware of the complicated transactions -- $20.5 billion annually -- behind each swipe. The Fed's preliminary take on the issue would cap the fees at 12 cents per transaction, a fraction of the average 44 cents merchants are now charged per swipe.

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]]>bank feesdebit cardFederal reserveinterchage feesmerchant feesMartha C. WhiteTue, 08 Mar 2011 18:00:00 EST