Everyone uses banks. We want to help you Use Banks Better. https://xitter.cf/t.co/TxVLTsArh4
Texas
Joined August 2022
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BankMindful.com retweeted
Pibank has retaken the top spot as the highest-rate savings account (non-promo rate, directly from an FDIC-insured bank and a low min balance.) Pibank increased its savings account rate by 15 bps to 4.40% APY. This is its second rate increase since the Fed’s Sep 16th rate hike (On Sep 30th, it increased its rate by 15 bps.)
For much of 2025 and 2026, the Pibank savings account was a rate leader with a 4.60% APY. Its peak APY was 5.50% APY when it launched in Aug 2024.
I reviewed Pibank savings and the parent bank, Intercredit Bank, in this February thread:
xitter.cf/KenTumin/status/202134…
BankMindful.com retweeted
Chase Doing Automatic Product Change For Some Original Freedom Cardholders to Freedom Unlimited ift.tt/TkfZY9q
BankMindful.com retweeted
Online gambling companies have collected mass amounts of user data. Former DraftKings employees told The New York Times they used data science techniques to identify gamblers who were more likely to respond to promotional offers by betting — and losing. nyti.ms/4hfgC3v
BankMindful.com retweeted
BREAKING: US national debt just exceeded 100% of GDP for the first time since 1946 (due to World War II).
So what happens next? Two things:
1. Higher inflation
2 Higher interest rates
The math is brutal.
The US government spends $1.33 for every $1 it collects.
$1.9 trillion deficit this year.
$24 trillion in projected deficits over the next decade.
CBO projects 120% debt-to-GDP by 2036.
175% by 2056.
In 2008, US debt was under 40% of GDP. Today it's over 100%.
BankMindful.com retweeted
X Money News – April Public Release, 6% APY No Direct Deposit & 3% Debit On All Purchases ift.tt/igAW6rR
BankMindful.com retweeted
Today only: Rakuten American Express card welcome offer increased to $200 (aka 20K points) dlvr.it/TQxgWV
BankMindful.com retweeted
NEWS: The Fed left interest rates unchanged at its first meeting of the year, pausing after three straight rate cuts as policymakers grow more cautious. bit.ly/46ljoPU
BankMindful.com retweeted
Discover Bank Savings Accounts, Checking & CDs are no longer available to new customers
Discover Bank’s website directs new customers to Capital One for deposit products. Existing customers can continue to log into their Discover accounts. Capital One will notify customers of future changes.
Existing customers must log in to view their savings account APY (which currently remains the same as CapOne’s savings).
Discover credit card applications continue to be available at the Discover website.
On May 18, 2025, Discover merged into Capital One. Until recently, Discover continued to be run as it had before the merger. The phase-out of Discover-branded deposit products is similar to what happened after Capital One acquired ING Direct.
BankMindful.com retweeted
New annual contribution limits for 2026:
401(k): $24,500 (up from $23,500 for 2025)
IRA: $7,500 (up from $7,000 for 2025).
The #IRS announces the 401(k) limit goes up to $24,500 for 2026. Learn more about this and other pension limit increases at ow.ly/usIS50Xr80z.
ALT IRS announces 401(k) contribution limit rising to $24,500 and IRA limit to $7,500 for 2026.
BankMindful.com retweeted
It's official:
For the first time in history, Moody's has downgraded the United States' credit rating.
Moody's cites concerns over soaring US debt levels with interest on US debt set to hit 30% of REVENUE by 2035.
What does it all mean? Let us explain.
(a thread)
BankMindful.com retweeted
Group that’s trying to recover their lost deposits due to fintech practices involving Yotta, Juno, Synapse Financial Technologies, Evolve Bank & Trust, and others
If you haven't joined us at fightforourfunds.org you should - there's a whole bunch of people working together to bring visibility and coordinate efforts. We're sending a massive number of letters to legislators this week.
BankMindful.com retweeted
NEWS: The Fed votes to leave interest rates unchanged, declining to cut interest rates as inflation stays stubborn and officials await more clarity on President Trump’s economic policies. bankrate.com/banking/federal…
BankMindful.com retweeted
Billions of credit card offers are sent to US consumers every year. Many consumers simply toss or shred the mail, but you actually have a considerably more effective option if you’d like to limit or eliminate the offers altogether. cardrates.com/advice/opting-…
BankMindful.com retweeted
Target: 10% Off Target Giftcards (12/2 – 12/3) dlvr.it/Szbwc7
BankMindful.com retweeted
In a few rare cases, cash is still king. bit.ly/3G7HQHf
BankMindful.com retweeted
Extreme stacking for holiday purchases dlvr.it/SzG4q5
BankMindful.com retweeted
Business credit cards: What they are and how they work bit.ly/3MENm7H
BankMindful.com retweeted
Office Depot is offering an instant $15 discount when you purchase $300 or more in Mastercard gift cards (Oct 22-28). These offers are a good opportunity to earn 5X Chase Ultimate Rewards points. dannydealguru.com/office-dep…
