#1 a)

Go to 1stbankyuma.com. List what products they offer to consumers. (Example: checking

accounts)

They offer : Checking accounts , Savings Accounts ,Certificates of deposit,Consumer

Loans,Residential Loans, Retirement &Education Accounts,Credit and debit cards,Visa Gift Cards ,Night
Drop service,Safe Deposit Boxes,E-Statements , Mobile Banking.

#1 b)

Do they also offer car loans to consumers?

Yes , they do .

#1 c)

Find the APY and Interest Rate of the 1st Rate Rewards Checking Account.

Note: Mention all important aspects and please provide the link where you found the information.

Type of Account Min Balance* Int Rate APY

1st Rate Rewards Checking $25,000.01 .05% .05%

 *Monthly Requirements Must Be Met No Min Required 2.96% 3.00%

https://www.1stbankyuma.com/rates

#2

Read this wikipedia.org . Based on the first formula listed on the page, calculate a checking
account’s APY if the interest rate was 1.34% and it was compounded daily for one year.

Note: Please write out the exact formula and the inputs that you used in order to come to the final
answer.

Inom = Nominal intrest rate = 1.34 %

N = number of compounded periods per year

APY = (1+ inom/N)^N – 1 = (1+ 1.34%/365)^365 – 1 = 1.3490 %

 #3 a)

Go to capitalone.com.

List the interest rates for their money market accounts.

Note: Please also provide the link where you found the information.

Link : https://home.capitalone360.com/rates

Intrest Rates :

2.875% , 3.500%,3.000%,3.125%,2.750%,2.500%,

#3 b)

Go to wachovia.com, entering 22201 as your zip code.

Does the Way2Save savings account have any restrictions or special requirements? If so please
list them below.

Minimum opening $25 

deposit 

Monthly service fee  Avoid the monthly service fee when you have one of the following each fee
period: 

Maintain a $300 minimum daily balance, or

Set up and maintain one or more automatic, recurring savings options

Are under the age of 18 (19 in AL) and are the primary owner of this

account

Otherwise $5

#4 a)

Go to firstambank.com and list all the mortgage products we need to include for a loan-to-value
equal to 80%.

There are no mortgage products listed with a loan-to-value equal to 80% .

https://www.firstambank.com/personalbanking/borrowing/mortgage/chicago-mortgage-rates/
 #4 b)

Go to unionsavings.com . For which saving products does the interest rate not fluctuate based
on the balance?

For the Health Savings and Statement Savings .

#5

Go to bankofthewest.com out find out the maximum number of Overdrafts that a customer will be
charged in one day, for Easy checking account.
You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending
balance is overdrawn by more than $5.

#1 a)
Go to 1stbankyuma.com. List what products they offer to consumers. (Example: checking
accounts)

They offer : Checking accounts , Savings Accounts ,Certificates of deposit,Consumer

Loans,Residential Loans, Retirement &Education Accounts,Credit and debit cards,Visa Gift Cards ,Night
Drop service,Safe Deposit Boxes,E-Statements , Mobile Banking.

#1 b)

Do they also offer car loans to consumers?

Yes , they do .

#1 c)

Find the APY and Interest Rate of the 1st Rate Rewards Checking Account.
 Note: Mention all important aspects and please provide the link where you found the information.

Type of Account Min Balance* Int Rate APY

1st Rate Rewards Checking $25,000.01 .05% .05%

 *Monthly Requirements Must Be Met No Min Required 2.96% 3.00%

https://www.1stbankyuma.com/rates

#2

Read this wikipedia.org . Based on the first formula listed on the page, calculate a checking
account’s APY if the interest rate was 1.34% and it was compounded daily for one year.

Note: Please write out the exact formula and the inputs that you used in order to come to the final
answer.

Inom = Nominal intrest rate = 1.34 %

N = number of compounded periods per year

APY = (1+ inom/N)^N – 1 = (1+ 1.34%/365)^365 – 1 = 1.3490 %

#3 a)

Go to capitalone.com.

List the interest rates for their money market accounts.

Note: Please also provide the link where you found the information.

Link : https://home.capitalone360.com/rates

Intrest Rates :

2.875% , 3.500%,3.000%,3.125%,2.750%,2.500%,

#3 b)

Go to wachovia.com, entering 22201 as your zip code.

 Does the Way2Save savings account have any restrictions or special requirements? If so please
list them below.

Minimum opening $25 

deposit 

Monthly service fee  Avoid the monthly service fee when you have one of the following each fee
period: 

Maintain a $300 minimum daily balance, or

Set up and maintain one or more automatic, recurring savings options

Are under the age of 18 (19 in AL) and are the primary owner of this

account

Otherwise $5

#4 a)

Go to firstambank.com and list all the mortgage products we need to include for a loan-to-value
equal to 80%.

There are no mortgage products listed with a loan-to-value equal to 80% .

https://www.firstambank.com/personalbanking/borrowing/mortgage/chicago-mortgage-rates/

#4 b)

Go to unionsavings.com . For which saving products does the interest rate not fluctuate based
on the balance?

For the Health Savings and Statement Savings .

#5

Go to bankofthewest.com out find out the maximum number of Overdrafts that a customer will be
charged in one day, for Easy checking account.
You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending
balance is overdrawn by more than $5.
#1 a)
Go to 1stbankyuma.com. List what products they offer to consumers. (Example: checking
accounts)

#1 b)

Do they also offer car loans to consumers?

#1 c)

Find the APY and Interest Rate of the 1st Rate Rewards Checking Account.

Note: Mention all important aspects and please provide the link where you found the information.

#2

Read this wikipedia.org . Based on the first formula listed on the page, calculate a checking
account’s APY if the interest rate was 1.34% and it was compounded daily for one year.

Note: Please write out the exact formula and the inputs that you used in order to come to the final
answer.

#3 a)

Go to capitalone.com. List the interest rates for their money market accounts.

Note: Please also provide the link where you found the information.

#3 b)
 Go to wachovia.com, entering 22201 as your zip code.

Does the Way2Save savings account have any restrictions or special requirements? If so, please
list them below.

#4 a)

Go to firstambank.com and list all types of accounts/products backed by government insurance.

#4 b)

Go to unionsavings.com . For which saving products does the interest rate not fluctuate based
on the balance?

#5

Go to bankofthewest.com and find out the maximum number of Overdraft fees that a customer
can be charged in one day, for a checking account.

Instructions
● Below you will find three reviews related to insurance companies and credit cards. Your goal is
to make grammatical corrections so that the content is more useful to the average reader.
● Make sure to correct every grammatical mistake present in the post, but try to make as few
changes as possible.
● Use track changes for all of your corrections

Example:

I isn't happy for the service offered to me, when I had file an insurance claim.

After corrections:

I isn't wasn’t happy for with the service offered to me, when I had to file an insurance claim.

Wirtz Insurance Company Review

I done business with Wirtz Insurance Company for a brief period of time and it was a disappointing
experience to because I had been sent to them with an imminent recommendation. There were several
issues on regards to customer service, along with many billing issues and I had for deal with their bad
customer service quite frequently. The agents were always rude and seemed as thou they had other
business to attend too. I was often put on hold and one time an agent even implied that I was mistaken,
even though I had my bill in front of myself. These continues issues combined with other minor
problems including things such as, inconvenient applications and hidden fees, simply made this
company a nightmare for me to deal with. This was such a waist of my time.

Ashford Insurance Company Review

This company is amazing! I was browsing their website and when I saw the premium, I lied down my
laptop and started crying! It was half what I paid to the same coverage. Also, in top of all this, their
customer support is phenomenal.

Capital One Credit Card Review

I recently got a job and was on the market for a credit card. The Capitol One Credit Card caught my eye
because it had something I wanted, that no other eligible card had. I used the card for gas money
because it had amazing cash back on travel purchases. Moreover, they explained the terms good
enough to make me understand everything I needed to know. Basically, it’s the credit card on dummies.
I definitely recommend Capital One for anyone looking to get a no hassle straightforward credit card.
From what I here they are definitely expanding and they deserve it!