Investec Rewards a a timetable that offers thou great savings additionally special offers the ampere variety of travel, shopping, financial and lifestyle join. Private. eBucks is set to launch a host of new features on 1 August 2023 – a. 1. If you decide to open the Shell | Fuel Rewards® Mastercard® or the Shell | Fuel Rewards® Card, you'll get 10 cents off per gallon of gas purchased. Digital. co. Shell | Fuel Rewards ® Mastercard ® Shell | Fuel Rewards ® Card. ATM limits Daily chip and PIN card cash withdrawal limit Local ATMs R6 000 International ATMs R20 000 Other features Investec Rewards There’s no limit on the number of Rewards points you can earn, and they never expire. Every Day Fuel Rewards. For every successful referral, earn R3 750 or. maintain a minimum balance in the account of at least R100 000 throughout the month. Stack & Save. First Hawaiian Bank Cash Rewards Business Credit Card. | We bring an Out of the Ordinary approach to. manage your wealth and fuel your business growth. Meanwhile a card that earns 2 percent back on gas could net you $42. length]}) To receive our Commodities newsletters on Oil or/and Power & Gas please complete the form below. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Investec Online gives you. But since you specifically mentioned you’re comparing the private banking options, I would. PDF (5. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. a. Save for a longer period and reap the rewards. 00. 3% cash back at gas stations & EV charging stations and dining (first $50,000 per year, then 1%) First Hawaiian Bank Cash Rewards Business Credit Card. The next Investec plc dividend will go ex in 15 days for 15. Log out Continue. Your monthly earning potential is uncapped, but the fuel points do expire. Investec, comprising Investec plc and Investec Limited, partners with private, institutional and corporate clients to offer international banking, investments and wealth management services in two principal markets: South Africa and the United Kingdom, as well as certain other countries. The annual fee is $0. Investec partners with private, institutional, and corporate clients to offer international banking, investments and wealth. A helping hand. 68. It rewards you the more you bank, finance, save, invest and insure. , May 25, 2023 (GLOBE NEWSWIRE) - FuelCell Energy, Inc. To use your shopping rewards, you need to go to one of Investec’s partner malls to do your shopping. No cap – earn unlimited points from day one. Benefit from our complimentary rewards programme, including travel rewards and your fully-fledged travel partner, Travel by Investec. What if my mPerks fuel reward doesn't work? Please contact Customer Care at 1-877-363-4537. 1. Cons. To receive the Discount, you must present myRewards card, barcode in app, or phone number associated with myRewards account at time of purchase. Definitions: "account" means an account of only a main account holder which Investec maintains for the main account holder; "account holder" means the main account holder of a Private Bank Account; "active account" means an account which contains a positive balance and the card or. These Fuel Rewards ® program Terms and Conditions and any additional terms and conditions that are established and required by Excentus and applicable to certain programs or offers in which you may elect to. ② Select Rewards ③ See your balance, then redeem your points Check your Investec Rewards points and redeem. 5. Let's assume you have a. A R60 monthly fee and competitive interest rate make it an attractive choice. While this is a self-service and digital. gas stations. 75% and 2. For every 2,000 points you bank, earn $2 in Circle K Cash (for a rewards rate of 1,000 points per dollar). The card cannot be linked to an Investec Youth Account or Electronic Only accounts. The fee of 24 rands per month or 288 rands per annum that is otherwise levied is waived off for. Walmart+ members save 10 cents a gallon at more thank 12,000 Exxon and Mobil gas stations, and 5 to 10 cents per gallon on fuel from Walmart and Murphy stations. Investec Youth Account The Investec Youth Account is a transactional account available exclusively to youth (under the age of 25 years) of existing Private Bank Account holders. July 4 at 2:07 AM. Its goal is to help you save at the pump, so you can spend your money on more important things you need. Fuel Rewards, Grocer rewards, payment cards and more. Investec Rewards Shopping centre partners Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. 9® per gallon. It’s designed to enable a host of core banking activities on the move, with built in security to keep your business finances safe and private. Citi Premier® Card – Best gas travel rewards card. (24 to 27 November 2023)off every fill. Overview. Talk to a private banker about your requirements. 830 internships through YES and our conservation. * indicates required field. Temporarily block card, view card details or PIN. 9mn Southern Africa £28. The headings in these Terms are for reference only. For questions or concerns about your Fuel Rewards® account, please call the Fuel Rewards® Help Desk at 1-888-603-0473 or you may e-mail them at support@fuelrewards. All fuel grades count toward Platinum Status. They offer flexible options for repayments, and if you want to make advance payments or slump sums, you can absolutely do so and settle the. Phone call: call the merchant's support number and provide card details. When you’re on the go, the Investec App goes further. Our name changed from Royal Dutch Shell plc to Shell plc in January 2022. Created with Snap. Restrictions apply. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. You can earn eBucks on services, repairs and maintenance, PLUS you can also earn up to 15% back on fuel when using your credit card or Linked Petro Card. Created with Snap. 5. It is a month since appearing at the UK Treasury Select Committee on the Impact of Russian Energy Sanctions and Effect on Cost of Living. £2,182 a year, £75 exit fee per fuel, available as a dual fuel or electricity-only tariff Source: Forbes Advisor desk research E. These Investec Rewards Programme terms and conditions ("Terms") form part of, and are deemed to be, incorporated in the Private Bank Account terms and conditions ("agreement") and constitute an agreement between Investec and the account holder. ‘As a bank, Investec has built its strong proposition around its clients and staying close to their. To qualify for this offer you must (a) be a Fuel Rewards ® member; and (b) swipe your Fuel Rewards ® card or your Single Swipe enabled payment card or enter your Alt ID when you fuel at participating Shell stations in. This is r/PersonalFinanceZA, so a lot of folk are going to tell you the cheaper the better, aka Capitec/TymeBank etc. About this app. Weekly US Stats - summary of figures from the US Department of Energy weekly statistics. No fees apply and you start earning one Rewards point. Chase Freedom Unlimited® – Best rewards credit card for gas purchases. HDFC Bharat Cashback Credit Card is a beginner-level credit card that is best suited for users seeking cashback on fuel. 50 Transaction charges Purchases (in-store and online) Included. 5. Plus, get 5% back on the first $1,200 spent on non-fuel purchases per year, earned as a statement credit. If you'd like to visit our new office for a conversation about your wealth management. 9bn UK and Other £395. Whenever you shop, dine, or make other everyday purchases with any of the Fuel Rewards ® program's participating merchants and restaurants, you'll earn valuable cents-per. • View all your Investec Business Banking accounts in Rand and foreign currency. 15. Roadside Assistance >. Use your Kwik Rewards Credit or Debit and receive 5% off most in-store purchases. And much more on the Investec Private Client App. Step 2: When asked for “Cub Rewards” press “Yes”. (); it is an institutional broker-dealer focusing on securities of. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Climate Action 100+ Signed up to the . such as Investec Rewards, airport lounge access and travel insurance, will only be available to you if reactivate your card. If you’re searching for a loyalty programme. 6. The lending syndicate is comprised of Investec, Bank of Montreal, and Comerica Bank. Copies of the Code and the Ombudsman’s details are available on request or visit A registered. Investec has a reward program that lets people use their points to buy things. * Platinum Status is earned with 12 fill-ups over 3 months. Get rewarded every time you spend, save or manage your money well. Suggested Searches ({[suggestions. Call me back. The fifteen cent ($0. Once you reach 100 points, you’ll get $1 off on gas. Check out current Chevron promotions and programs. Investec Fuel Supplier Fixed Diesel Price Floating Diesel PriceInvestec Referral Program: Terms and Conditions for referrers. Investec Wealth & Investment Review 7. Kimberly Cataudella (she/her) is a service journalism reporter for The News & Observer. 3. The Shell Fuel Rewards Mastercard offers discounts on gas purchases at Shell stations, as well as rewards for other purchases. We may use your personal data to provide you with services you request from us or to manage your accounts, make decisions, detect and prevent fraud, fulfil any contractual relationship with you, undertake analysis and assessment, ensure that we comply with. Earn up to 30% cash back when you book flights with Travelstart. Here we will show you 3 characteristics of the loans offered by this company that can help you choose them as your home loan provider: Investec finances the total amount of the property you want to buy. Welcome. S. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Loans up to R5,000,000. Investec Rewards does more than recognise your partnership. Join Exxon Mobil Rewards+ to earn points when you buy gas or things in the convenience store or even get your car washed. This company is fun to work at, albeit high-paced and stressful at times. You'll only be able to pay money into and out of your Online Flexi Saver from this linked account. . In addition to diversifying the Company’s access to capital, the proceeds from this facility. 5%, and with Dis-Chem 0. The previous Investec plc dividend was 17. Why We Like It: The U. Dispute and claims. With BPme Rewards, you can instantly save on every gallon, every time you fuel up at bp and. those remaining with Investec and those becoming executive directors of Ninety One, has been treated as outlined in this report for the financial year that commenced on 1 April 2019. mu. Valid from Black Friday to Cyber Monday. Guaranteed account. That makes this. on Next is offering a tariff that tracks the energy price cap. find it Upload and keep important documents in My Briefcase Find it in three steps ① Go to top left Menu ② Select My Briefcase ③ Find the documents you need Retrieve digital copies anywhere anytime:Activate your online profile. Environment Maintained our Promaths contributed B rating in the CDP industry average: C Disclosed a comprehensive fossil fuel policy. The Sam’s Club Mastercard offers 5% back as Sam’s Cash on gasoline purchases at any gas station, up to $6,000 spent each year. Automatic repayment to your linked account. 3 the account is not an Investec Youth Account; and. You’ll save at a minimum of 5¢ per gallon at any participating Shell station. Investec Private Banking is committed to the Code of Banking Practice as regu-lated by the Ombudsman for Banking Services. You can earn additional Fuel Rewards savings when you shop, dine, book travel and more. These rewards cost just 50 perks under the FuelPerks+ program. 2 years. 80%. Best Dining Rewards Credit Cards in 2023 12 Best Cash Back Credit Cards in November 2023 64% of Cardholders Say Inflation Is One of Their Biggest Money Concerns, and It’s Forcing Them to Rely More on Plastic 10 Best 0% APR Credit Cards for Long Intro Periods in November 2023. Investec bank has its own exclusive travel agency called Travel by Investec. 1. Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024. U. Your earn rate is determined by your partnership level. II, will facilitate execution of our growth plan,” said Adam. Fuel Rewards® members get Instant Gold Status and get rewarded for every fill at Shell. S. Are you an Investec client?Investec Private Banking’s enhanced Rewards programme, introduced on Wednesday 5 October 2022, focuses on giving back in a way that contributes to clients’ overall banking and wealth solutions with the niche South African private bank. Investec Bank PLC’s Power and Infrastructure Finance team (“Investec”) was awarded Conventional Power Lead Arranger of the Year in the 17th annual Power Finance & Risk (“PFR”) awards, which celebrate the most impressive renewable energy and power project sponsors, lenders, advisers, investors and deals. Trunow. Below is a table that summarizes the fuel reward program at QuikTrip convenience stores. 5% cash back on gas at U. To move money in and out of your account, you need to link it to a UK current account held in your name. 87 MB) Group annual report - Remuneration report. Definitions. The enhanced programme has created greater visibility of Investec Rewards as it fits into clients’ day-to-day world, with accessibility from digital channels and touchpoints. Traditionally Sasol suppliers have engaged with us via fax; fax to e-mail and other manual mechanisms. With participating grocery stores it is 0. Investec’s customer service is unrivalled. Set-up your Garmin Connect account or sign into an existing account. , a convenience store/gas station chain, announced they are partnering to offer Cub. Secure Log into. Your fuel enrollment offer and other rewards may take up to 24 hours from signup to become available to redeem. Investec’s customer service is unrivalled. On the Walmart Cash page on web, go to the “Redeem Walmart Cash”. form 8. Application and Accreditation. The report found that the. Rewards are cumulative and there’s no limit to how much you can save. Managed entirely online, separate to Investec Online; Gross rate interest 4. 1. 9¢ per gallon. Southeast. Investec Private Banking’s enhanced Rewards programme, introduced on Wednesday 5 October 2022, focuses on giving back in a way that contributes to clients’ overall banking and wealth solutions with the niche South African private bank. At Investec we continue to focus on how prolonged high global gas and energy prices are impacting UK consumers and the economy more widely. Up to 30% real cashback, depending on the rewards tier: Cash rewards are only earned on the first R3,000 spent at Sasol: Dis-chem Rewards: Total: 10 Dis-chem Benefit rewards for each litre of fuel. Tap “Show cash out barcode” to generate a cash out barcode unique to you. Copies of the Code and the Ombudsman’s details are available on request or visit. Investec Bank plc and its subsidiaries recognise and respect the privacy and data protection rights of individuals with regards to personal data. And, the card comes with a 0% intro APR for 15 months. You can access credit limits up to £150,000 and benefits such as up to 56 days’ interest free on all card spend, no FX or UK ATM fees and unlimited cards for your business. 🟨 Investec: Private Bank: R70,000 ZAR: Personalised: 42 Days: 🟩 Diners Club: Platinum: R41,667 ZAR: Personalised:. Fuel discounts in excess of $1. length]}). SWIPE OR ENTER ALT ID: Swipe your Fuel Rewards ® card or enter your Alt ID when you fuel at a participating Shell station. Apply Online. Through our Dividends Rewards Programme, for every 7 500 Dividends points you redeem online, you can get a V & A Waterfront gift voucher to the value of. 9mn Total assets £'billion £57. Contact. com to join the Fuel Rewards program will earn 25 cents off per gallon discount after their first fill-up using their Fuel Rewards account (maximum 20 gallons. Kingdom, as well as certain other countries. Cape Town, South Africa. To make use of the Bidvest McCarthy service, please call 0860 22 33 54 or visit Have an active FNB Private Wealth Current or Single Facility account and: ensure it has a deposit of at least R44 500 per month; or. Valid from Black Friday to Cyber Monday. Shell App for Fuels Customers. 78 for premium. Call me back. Upon becoming a member, you can earn one fuel point per $1 you spend on gas. Simply type in your 7Rewards verified phone number at the pump to get the fuel rewards. 13. Maximum of 35 gallons per fill-up when redeeming Platinum Status alone. com. Yes, you can do this online 24/7/365. A few examples of flat-rate cash-back cards include: Capital One Quicksilver Cash Rewards Credit Card. Nedbank and Investec customers. nergy industry experts are warning that the UK ’s domestic price cap could soar to £2,000 next year as wholesale gas prices remain elevated. QuickTrip didn’t get into the top ten cheapest gas prices for the whole state of Oklahoma. Best Rewards Credit Cards. Investec equity research analysts Herbert Kharivhe and Ross Krige give their analysis on the loadshedding outlook for the rest of winter and beyond in this episode of No Ordinary Wednesday. If an existing member has completed 12 Trips of at least 10 gallons between 4/1/2023 and 6/30/23, they will receive Platinum status during the Q3 2023 benefit quarter. The members will save 3 to 5 cents depending on their card. This policy will cover all Investec’s activities including lending, investing, advisory and any other activities of the group. Find and read Investec's latest year-end and interim results and view investor briefing presentations from the. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. Investec Digital gives you an integrated view of your local and international banking and investment portfolio and helps you take control of your finances. That makes this. There are four quarterly Heads of Industry at-table events and a variety of sub-groups held virtually with first of the year dates already released to fellows. Fuelperks!6. Visit a participating Shell station and swipe your Fuel Rewards card or enter your Alt ID. For more information about the Fuel Rewards® program, visit their website. Account holders can deposit cash at an Absa ATM and are charged 1. The minimum balance required for each Fixed Rate Saver account is £5,000, while the maximum is £250,000. 830 internships through YES and our. Being present means taking care of your mental wellbeing, so you feel empowered to realise your potential and able to cope with the stresses of life. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. 16. Access to Investor Rewards ; Access to Investec Digital ; Access to Investec One Place ; RMB Private Banking Fusion . These Investec Rewards Programme terms and conditions ( "Terms") form part of, and are deemed to be, incorporated in the Private Bank Account terms and conditions ( "agreement") and constitute an agreement between Investec and the account holder. co. 13. When choosing the best gas card to fuel RV travels, it’s. Earn R3750 worth of rewards for every friend you refer who opens an Investec account. As well as buying and selling assets, Investment Managers will plot the future course for investments, devising strategies to achieve goals laid out by their clients. . Feel secure with $0 liability on unauthorized charges. Investec | 428,331 followers on LinkedIn. If there is any conflict between these Rewards Terms and the agreement or the rules (defined below) or any. In this podcast series, Investec Wealth & Investment’s wealth managers and investment specialists provide insight into all you need to know as you start your wealth creation journey, unpacking money and investing, the financial market forces shaping investments, stock market trading, real estate investing, and more. 75% and 2. When you accrue 2,000 points, you'll save $2 at the pump. By using Travel by Investec. Cardholders can earn anywhere from 1% to 2% or quite rarely more, depending on the offer. How do I earn points? The cashback can be anywhere from 0. 1 each account must be registered separately; 2. 2. 1 The account holder waives any rights s/he may have against Investec arising directly or indirectly from or connected with or related to any loss or damage of whatsoever nature, which may be suffered as a result of the Rewards Programme, the redemption of Rewards points, any reward or related matter, or the acts or omissions of any partner. How it works: JOIN: Join the Fuel Rewards® program and save 5c/gal on every fill up with Complimentary Gold Status. REDEEM. Investec Private Banking is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. But since you specifically mentioned you’re comparing the private banking options, I would. Investec Asset Management: 22 750 109: 3,7: 3,5: Black Rock Incorporated: 22 468 160: 3,6: 3,5:. , May 25, 2023 (GLOBE NEWSWIRE) - FuelCell Energy, Inc. 1 each account must be registered separately; 2. 4bn Note: Figures on these pages relate to the year ended 31 March 2023. Exxon Mobil Smart Card+™. Make payments, add beneficiaries, transfer funds, check and redeem Investec Rewards point, buy airtime and electricity, send cash to yourself or someone else – it’s easy and convenient. Related: The top 5 ways to save on gasoline. Many gas rewards cards reward fuel purchases at one rate and eligible non-fuel purchases at a different rate. 53,600 children benefit from conservation and education enrichment programmes. UK: 0845 366 6333 or +44 207 597 4131. U. 01 Strategic focus Investec year-end results. How much can I save with Inner Circle? When you first enroll, you'll get 25c/gal off for the first 5 fill-ups,. 7 million shares in issue compared to 120. Introducing its £1,000 daily limit in March, NatWest said £329 million was lost to crypto scams in 2022, with men over the age 35 most at risk. Plenty of employee benefits. 8 Investec Bank limited / Forex BoP South African resident - Individual Category BoP Code Sub Code Description Import payments Imports 103 01 Import payment (excluding capital goods, gold, platinum, crude oil, refined petroleum products, diamonds, steel, coal, iron ore and goods imported via the South African Post Office) Investec and its subsidiaries recognise and respect the privacy and data protection rights of individuals with regard to personal data. In addition to. What Are Gas Rewards Programs? How Do Gas Rewards Programs Work? How To Choose the Best Gas Reward Program Credit Cards To Use for Gas Other. Founded in 2003, the Company focuses on professional services recruitment, employs a team of over 185 experienced consultants and has offices in London, Guildford, Milton Keynes, Oxford, St Albans and New York. The enhanced programme has created greater visibility of Investec Rewards as it fits into clients’ day-to-day world, with accessibility from digital channels and touchpoints. The Investec app and Investec Online are the quick and easy way to manage your money wherever you are and whenever works for you, as long as you’ve got access to the internet. Partner Additional Rewards points earned on card purchases • Bloomable • Gant • Le Creuset NetFlorist • Pandora • Spas of Distinction 1 additional Rewards point for every R5. Result: Up to. CEO of eBucks Rewards, Johan Moolman, says that with this extra benefit, “A customer who uses FNB Aspire would have earned 60 cents per litre at Engen, but due to this benefit, they could earn. Earn 2 Fuel Points for every $1 you spend** every day, any way you shop. Click on the icon of your device at the top of the Garmin Connect App and select Garmin Pay. Fuel Rewards savings are limited to 20 gallons of fuel per purchase, per vehicle or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. 2. streaming subscriptions, 3% cash back at U. ‘As a bank, Investec has built its strong proposition around its clients and staying close to their. Enhanced chip security and Zero Liability protection. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. Keep up to date with investment instruments through Markets Watchlist. 1 Specialist Bank This fossil fuel policy covers our approach to the following activities: • Coal o Extraction (mining) o Power plants and power generation • Oil and gasInvestec believes in partnering with you beyond banking and investments. The card offers 5% cashback on fuel expenses, railway ticket bookings, groceries, bill payment, mobile recharge and spends on PayZapp/EasyEMI/ SmartBUY. Make your money work harder, by depositing your money for a fixed term and earning a higher rate with our Fixed Rate Saver. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. Access to all Bidvest Premier lounges (domestic and international departures lounges) Unlimited complimentary access* per Investec Visa Business card holder. Enrollment necessary. Absa Rewards’ preferred filling station is Sasol, with rewards of 0. Login. Join the program for free, it’s quick and easy to get started. Kroger Rewards World Elite Mastercard® gives cardmembers savings of 25¢ off per gallon of fuel plus 5% back on mobile wallet spend. 00 within 2 working days of filing a claim. Protect yourself by following these rules: 1. TymeBank Credit Card: Distinguished by its. Can I use my mPerks fuel offer more than once? No, mPerks fuel offers can only be used once. List of Winners. According to our latest poll,. Working in the economic field at Investec, Annabel heads up a team, which focusses on the macroeconomic, financial. $0 intro annual fee for the first year, then $95. 9m, net fee income of £21. Virgin Money Credit Card: This no-fee card is a strong contender for the best credit card South Africa offers budget-conscious consumers. Terms and Conditions of the Shell | Fuel Rewards ® Credit Card rewards program apply. You will earn additional Rewards points on card purchases at these Rewards partners, whether in-store or online using your Investec Visa card. Contact. supermarkets (on up to $6,000 per calendar year in purchases, then 1%) and 6% back on select U. You can use your Linked Petro Card to pay for fuel, oil and car services (excluding toll fees). 0. How to earn Investec rewards points Travel rewards. Investec Private Banking, a division of Investec Bank Limited registration number 1969/004763/06. Upgrade your browser in only a few minutesRemember my email address. 5% on selected items in-store at Shell fuel stations (excluding airtime, tobacco and so on. Recommendation: this Fund may not be appropriate for investors who plan to withdraw their money within the short to medium term. mu. Select Create your Wallet. ‡. 8. Online balance: follow the link to merchant's official program website. Privilege to work and have gained the experience so far. Login. Consumers are able to accumulate their fuel rewards and redeem up to $1 off per gallon, on up to. 5% if you have a flat-rate card. Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. . The enhanced programme has created greater visibility of Investec Rewards as it fits into clients’ day-to-day world, with accessibility from digital channels and touchpoints. Group annual report - Integrated and strategic report. 15) off per gallon fuel discount offer (the “Discount”) is available from 11/22/2023 12:01 AM Eastern Time through 11/26/2023 11:59 PM Eastern Time. , (Nasdaq: FCEL) today announced that it has entered into an $87 million non-recourse project financing facility. Investec Private Banking is committed to the Code of Banking Practice as regu-lated by the Ombudsman for Banking Services. Rewards. Additional coverage for other adults and. Definitions: "account" means an account of only a main account holder which Investec maintains for the main account holder; "account holder" means the main account holder of a Private Bank Account; "active account" means an account which contains a positive balance and the card or any facility. You will receive an SMS voucher within. 3. length]}). za. Redeem Fuel Rewards ® savings with your Fuel Rewards ® card or Alt ID at. Investec Wealth & Investment. Circle K Easy Rewards. Now. We invite you to apply for an Investec Private Bank Account at a reduced monthly fee.