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Comerica Bank Online Account Opening​and the information around it will be available here. Comerica Bank Statement Savings Account Reviews (June 2021. Comerica Incorporated is a financial services company headquartered in Dallas, Texas. It has retail banking operations in Texas, Michigan, Arizona, The federal government uses the Express Debit product to issue electronic. How to Edit and sign Comerica bank form financial statement Online. Read the following instructions to use CocoDoc to start editing and drawing up your.

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How to get online banking


how to get online banking Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein 1 If you do not have a Social Security Number, you may activate Online Banking with a valid passport number or Matricula Consular from Mexico. La Banque Postale also wants to meet the expectations of all citizens by being a player in the just transition. CNB Checking or Savings Account. Zelle ®. Choose Virtual card in the top-right corner. Online Banking customers automatically receive paper statements * and notices as well as online statements and notices. ² Grow your savings, automatically. Use my account number. . Our Online Savings Account comes with buckets and boosters to help you save smarter, faster than ever—at no extra cost to you. Enjoy the freedom to check on your finances anywhere life takes you with Comerica Web Banking. Experience the ease and simplicity of online banking. 1% cash back on up to $3,000 in debit card purchases each month. 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Connect with your accounts at any hour of the day or night and take care of important matters whenever it's most convenient to you. Online Banking Made Easy. Learn how to get the most out of online banking. If you’re already registered for Remote Banking. (Opens in a new Window) Bank anywhere and anytime, 24/7. Then, go to the app store or google play store—type in “Directions Credit Union” in the search bar. Manage Payments with Bill Pay. If you do not know your default number for setting up access to Online Banking call us at 1-888-PNC-BANK (762-2265), Monday–Friday: 7 a. From setting up online banking to voiding checks, this beginner's guide will give you the basics of consumer banking. Add online banking access to your account. Log in to Online Banking or use the mobile app to update these settings anytime. Set up e-Statements by logging into Online or Mobile Banking and select an account, then select "Documents". If you would like a little assistance in enrolling, we are happy to help Plus, get up to 18 months of statement history through Online Banking. Go paperless with online-only statements. Simply click on the "Chat" icon in Online Banking to get started. If you are calling from outside of the United States, call collect at 1-423-262-1650. Online Banking FAQs Frequently asked questions about online banking. Genisys offers state-of-the-art Online Banking for 24/7 access to your checking accounts, savings accounts, and more. Account Number Enter a valid account number. As a security precaution, if there is no additional activity in your online banking session, the session will end and you will be brought back to the homepage. FirstBank’s Online Banking gets you out of the line and banking in your favorite spot with the latest functionality, robust features and enhanced security. ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments To get started, gather your U. Sign up today and maximize your account with these convenient services. Our mobile app is ranked #1 for customer satisfaction. Bank is not responsible for online transactions going wrong. 2 We think you'll find it's the quickest, easiest way to manage your accounts and 844-646-4565. Security features ensure that you are the only person who can access your information. Ally Assist. Change your contact information. –5 p. Online banking packs the power of a Liberty branch right into your home computer—or mobile device. May 10, 2021 · Canara Bank online banking is a safe way to conduct netbanking from the comfort of your own home or office, at any time and from any location. By 2006, 80 percent of U. m. Enrolling is easy and helps you gain the confidence to take on anything—from anywhere. Online banking is also known as "internet banking" or "web banking. "To become the favorite bank of the French people" is the ambition of La Banque Postale stated in its strategic plan 2030, an objective which will involve a quality of service at the highest level for its customers. Logging in is easy: Step 1: Delete the old app from your phone. Visit your app store to download the new Capitec bank app. Click the link that follows and it will open a new window on a page that looks like this. Enroll Enrollment Guide. We advise that you untick this option if you are logging into Bankinter. Sign in on the updated Capitec Bank app. Once you have completed the steps successfully, you can begin using the service again immediately. Choose receipt option. How To Ask Your Bank To Waive an Overdraft Fee. First Citizens Online Banking … enjoy the ease and accessibility of the simplest yet most powerful money management tool available to you. ”. Can I still enroll in Mobile or Phone Banking if I already have an active BDO Online Banking account? Our strategy. Go paperless with eStatements. If you have forgotten your AIB Phone & Internet Banking Registration Number, you can request your registration number online in minutes. You can take the bank with you thanks to our secure online and mobile banking services. Social Security Number or Tax ID Enter a valid social security number or Tax ID. † To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging. 1 If you do not have a Social Security Number, you may activate Online Banking with a valid passport number or Matricula Consular from Mexico. Sign In to Online Banking. Your TD Checking account comes with Online Banking with free Bill Pay so you can manage your money online anytime, anywhere. CNBanker® Voice FAQs. And in this article we are going to tell that how you can register or activate UBI net banking online even sitting at home without UBI ATM or debit card. Select the account you want to deposit your payroll to from the dropdown, then click on “View and Print” and your customized form will be presented to you. Enroll Now. com Our Online Savings Account comes with buckets and boosters to help you save smarter, faster than ever—at no extra cost to you. Enroll now in Online Banking. Access all your account information. Step 1: First you have to login to www. By. This option If you’re already registered for Remote Banking. ET. Leaving Arvest Bank. Where should we look up your account info? Huntington. Nov 19, 2021 · Activation Without Debit Card, Union Bank Net Banking Online Registration So this article is the answer to that. Step 2: If you are an individual or a proprietary firm, you have to click on Register Individual. You can also go to the main menu by selecting 'Other Banking'. 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Convenient banking at home or on the go. 9 In addition to your day-to-day banking, such as paying bills, transferring funds, obtaining account balances, and a listing of recent transactions, use telephone banking to: Open new bank accounts. It’s linked to your checking account and withdraws money directly. As just a few examples, you can use secure chat to: Go online and get banking off your mind. If you are still working in your online banking session, choose OK to continue. com using a public computer (such as a computer with Internet access at a library, an Internet café or a Bankinter kiosk). Pay bills quickly and on time. Kindly enter your user id and password with utmost care as wrong tries will block your account as per the Bank's policy. ” See full list on wikihow. Enter your PIN. ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments It’s easy to enroll in online banking. To help you get the most out of your IBC Bank online banking account, follow this demo that will walk you through the process of online banking from start to finish. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans and student loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. Get transaction receipt. Our strategy. Tap Cards in the bottom tab bar. ” “Starting an online bank is and has always been the most ambitious strategic step in any fintech group or any financial institution related to online transactions. Receive electronic account alerts. estatements. in. Step 3: Once you have registered, you need to submit the application forms to the Account holding branch. Enroll in Online Banking. BDO’s online bank service is as easy as one-two-three. Here's how you can get started with ATM banking in three easy steps: Customize your shortcuts. If you decide you don't want to get new transactions from your bank, simply disconnect the account. Arvest Bank’s privacy policy and security practices do not apply to the site you are about to enter, please review the third-party's privacy and security practices. Online Banking. radio button. You’ll just need the following information to get started: Your Capital One credit card account number. Once you enter your PIN, your shortcut buttons below the PIN field will be unlocked. 3-digit security code from the back of your credit card. Online Banking › Diamond Bank. how to get online banking

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TERMS OF USE FOR YOUR DIRECT EXPRESS® DEBIT MASTERCARD® CARD

You have requested to receive certain federal government benefits by a Direct Express® Debit Mastercard® Card (“Card”) issued by Comerica Bank (“us, we”), rather than receiving a check or direct deposit to your checking or savings account. You do not have to accept this benefits card. If you do not agree to accept the Card under these Terms, do not activate your Card. Instead, dispose of it by cutting it in half, notify Customer Service at the number below, and contact the agency paying your benefits to make other arrangements for receiving future benefit payments.

Keep these Terms of Use ("Terms") and the other information you received about the Card in a safe place with your other important documents but do not keep your PIN with your Card. These Terms describe your rights and our rights regarding your Card, the use of your Card, and your Card Account.

BY ACCEPTING THIS CARD YOU AGREE TO THESE TERMS:

  1. Definitions:

    Agency. The Federal Government Agency that pays your Benefits.

    ATM. Automatic Teller Machine displaying the Mastercard® logo or Mastercard® ATM Alliance Logo.

    Benefits. The Federal Government payments you receive electronically from the Agency.

    Business Day. Monday through Friday, excluding federal holidays.

    Card. The Direct Express® Debit Mastercard® Card or its card number issued by Comerica Bank that is used to access funds in your Card Account. Access in some cases requires the use of your PIN.

    Card Account. The account held at Comerica Bank to which your Benefits are electronically transmitted by the Agency and which you access by the use of your Card. You are the owner of the funds in the Card Account. The funds are FDIC insured to the maximum amount permitted by law.

    PIN. The Personal Identification Number that you select.

    Transaction. A purchase, cash withdrawal, cash back, cash advance, merchant credit, Benefit deposit or other transaction made with your Card.

  2. Getting Started

    1. A. Activating Your Card & Selecting a PIN

      1. By accepting this Card, you agree to call Customer Service at the number below to select your PIN and activate your Card. See the enclosed Direct Express®  Debit Mastercard®  Card brochure for more information.
      2. Keep your PIN in a safe place. Do not write it on your Card or keep it near your Card.
    2. B. When Your Funds are Available

      1. Once you have activated your Card and selected your PIN and we have received and credited funds from the Agency to the Card Account, you can begin using your Card. These funds are usually available the same Business Day we receive them.
      2. If the Card Account is credited with an amount you are not entitled to receive, the amount may be deducted from the Card Account without prior notice to you. If the incorrect amount is from the Agency and you used those funds, the Agency can reclaim those funds. If we incur a loss as a result of either of these situations, we may recover those funds from you or your estate. (See Section XI, "Adjustments to Your Card Account")
      3. You may not deposit funds to your Card Account. Except for credits from merchants (for returns or adjustments), only the Agency may add funds to the Card Account.
  3. Using your Card

    1. A. General Use of your Card

      1. You can use your Card to pay for merchandise or services from any merchant that accepts Mastercard®  debit cards. You can also use your Card at ATMs that display a Mastercard®  logo. There are no Card fees for many of these Transactions. (See Section X, "Fees")
      2. To use your Card at ATMs or to get cash back when using your Card to make purchases, you must use your PIN. For other transactions, you should select "credit" and you may be asked to sign the sales receipt. Selecting "credit" does not mean that we or the Agency are lending you money.
      3. The amount of each Transaction will be deducted from your available Card Account balance along with any applicable fees (See Section X, "Fees") You should ensure that you have enough available funds in the Card Account to cover the Transaction and prior Transactions. You may not overdraw your Card Account.

        Funds that are subject to a Transaction Hold (see Paragraph B.1 of this Section III "Transaction Holds") or security freeze (see Paragraph 3 of Section V) are not available for other Transactions.

      4. If you make a purchase through a Point of Sale ("POS") terminal, a cash refund or adjustment will not be given to you if you return the merchandise. Instead, the merchant will process a credit transaction, and we will apply the credit to your Card Account balance.
      5. You can instruct us through our automated telephone Funds Transfer service, Mobile App, or Website to transfer funds from your card account to your personal United States bank account. If we cannot authenticate or verify your personal bank account information, we may limit your initial transfer to $200.00 or not allow the transfer to proceed. There is a fee for each transfer (See Section X, “Fees”). Transfers generally take three (3) Business Days.
      6. Instructions to make a telephone transfer or bill payment that are received after our cutoff hour or on a non-Business Day will be considered received as of the next Business Day. Once a transfer or payment instruction has been confirmed by us, you cannot cancel the Transaction.
    2. B. Transaction Holds & Preauthorized Payments

      1. Transaction Holds. For some Card purchases, such as car rentals and hotel accommodations, the merchant may request authorization in advance for an estimated amount. If the authorization is approved, we place a temporary hold ("Transaction Hold") on your funds for the estimated amount of the purchase so that we can ensure that sufficient funds are available when the purchase is completed. Until the Transaction finally settles or we determine that it is unlikely to be processed, the held funds will not be available for other Transactions. Once the preauthorized Transaction finally settles, we will charge your Card for the correct amount of the final transaction and will release any excess amount. If we determine that it is not likely the preauthorized Transaction will be processed, we will release the hold and those funds will be available for your use.
      2. Pre-Authorized Payments. You may use your Card to make regular, pre-authorized payments to merchants by giving your Card Account information to the merchant. If these payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

        You have the right to cancel a pre-authorized payment from your Card Account if you call us at the Customer Service number below, or write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998. We must receive your request at least three (3) Business Days before the payment is scheduled to be made. (Note: If we do not receive your request at least three (3) Business Days before the scheduled payment, we may attempt, at our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request). If you call, we may require you to put your request in writing to us and to provide us with a copy of your notice to the payee, revoking the payee's authority to originate debits to your Card Account, within 14 days after you call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your Card Account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer, and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. If you order us to stop one of these payments at least three (3) Business Days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

  4. Transactions We May Refuse to Process

    A Transaction may not be processed if: (a) the amount of the Transaction exceeds your available balance, (b) the Card has been reported lost or stolen, (c) we are uncertain whether you have authorized the Transaction, or (d) there is a dispute involving your available balance. If you believe you were entitled to receive Benefits in an amount different than what was credited to your Card Account, you should contact the Agency.

  5. Problems Using Your Card

    1. If you experience a problem using your Card at the self-service pump of a gas station, you may have to go inside to pay.
    2. If you have problems using your Card and you believe you have sufficient available funds for the Transaction, call us at the Customer Service number below.
    3. If we notice Transactions that are unusual or suspicious, we may place a temporary security "freeze" on your Card while we attempt to contact you.
  6. Record of Your Transactions, Card Account Balance & Know Your Balance

    You should check your Card Account balance and Transaction history on a regular basis. The information is available to you free of charge through our Customer Service number and at our web site, www.usdirectexpress.com. For a fee, you can also receive written statements each month.

    1. Keep track of your Transactions, including Transaction Holds, so you know your Card Account balance.
    2. When you withdraw cash or make a purchase, you can get a receipt for the Transaction. In some cases, the receipt will indicate your Card Account balance. You also can get information about your Card Account balance and a record of your Transactions by calling the Customer Service number below or by visiting www.usdirectexpress.com.
      [Note: Balance information may not include Transactions or fees that are still in process and have not yet settled. The balance also may include payments subject to a hold (See Section III, Paragraph B "Transaction Holds") or a security freeze (See Section V, Paragraph 3]
    3. From the website, you can select and print transaction history for up to 12 months for tracking the transactions posted to your Card account. The amount of your available funds is also available on the receipt you get when you make a withdrawal or balance inquiry at certain ATMs. You also have the right to obtain at least 24 months of written history of Card Account transactions by calling us at the number on the back of your card or writing us at Account Services, PO Box 245997, San Antonio, Texas 78224-5997. You will not be charged a fee for this information, unless you request it more than once a month.
  7. Card and PIN Security-REPORT LOST OR STOLEN CARD

    You agree not to give or otherwise make your Card or PIN available to others. If you do, you will be responsible for any Transactions they conduct, even if they exceed your authorization. For security reasons you agree not to write your PIN on your Card or keep it in the same place as your Card.

    If you believe your Card or PIN has been lost or stolen or that someone has or may transfer or take money from your Card Account without your permission, report it by calling the Customer Service number below as soon as possible. You can also write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998 or visit our web site at www.usdirectexpress.com. Calling us is the fastest way to report this loss. Once your Card or PIN is reported to us as lost, stolen or destroyed, your Card will be cancelled and you will have no liability for further Transactions involving the use of the canceled Card.

  8. Your Liability for Unauthorized Transactions

    1. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at the Customer Service number is the best way of keeping your possible losses down. You could lose all the money in your Card Account. If you tell us within two Business Day, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

      If you can't telephone us, you can write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998. If you are a California resident, you will not be liable for the $500 amount described above in any event. If you are a New York resident, your liability for the unauthorized use of the Card will not exceed $50.

      Also, if the written Transaction history or other Card Transaction information provided to you shows transfers that you did not make, tell us at once. If you do not tell us within 120 days after the transfer allegedly in error was credited or debited to your Card Account, you may not get back any money you lost after the 120 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip, a hospital stay, or the illness of a family member) kept you from notifying us, we will extend the time periods.

    2. Once your Card or PIN is reported lost, stolen or destroyed, the Card will be cancelled, and you will have no liability for further Transactions conducted with the Card.
  9. In Case of Errors or Questions about Your Card Transactions

    1. Call the Customer Service number below or write to us at the address described below as soon as you can if you think an error has occurred in your Card Account. We must hear from you within 120 days after the transfer allegedly in error was credited or debited to your Card Account. You will need to tell us:
      1. Your name and Card number.
      2. Why you believe there is an error, and the dollar amount involved.
      3. The approximate date when the error took place.
      Please provide us with your street address, email address and telephone, as well, so that we can communicate with you.
    2. If the error cannot be resolved over the phone, you must provide us written notice of the error within 10 Business Days at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998.
    3. We will determine whether an error occurred with 10 Business Days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card Account within 10 Business Days (20 business days for new card accounts opened less than 30 days) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Card Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.
    4. We will tell you the results of our investigation within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation to make our determination.
    5. If you need more information about the error resolution procedures, call us at the Customer Service number below.
  10. Fees

    We will charge you and you agree to pay the fees and charges described on the List of All Fees included with your Card. See the brochure accompanying your Card for ways to avoid fees. If you believe a fee was charged when it should not have been, call Customer Service at the number below.

  11. Adjustments to Your Card Account

    There are occasions when adjustments will be made to your Card Account balance to: reflect a merchant adjustment; resolve a dispute regarding a Transaction posted to your Card; correct deposits or Transactions posted in error; or because the Agency required the return of the Benefits received after you died or were declared incompetent ("Reclamation"). These adjustments could cause your Card Account to have a negative balance.

    If you do not have sufficient funds in your account to cover a Transaction or fee, the amount owed may be deducted from future credits to your Card Account and/or we may seek reimbursement from you, your estate or beneficiaries.

    Remember, you always have the right to dispute adjustments posted to your Card Account.

  12. Our Liability to You

    If we do not complete an electronic fund transfer (Transaction) to or from your Card Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages. There are some exceptions, however. We will not be liable, for instance, if:

    1. Through no fault of ours, you do not have enough available funds in your Card Account to complete the Transaction;
    2. We believe you may not have authorized the Transaction;
    3. Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevents or delays the transfer, despite reasonable precautions taken by us;
    4. The debit card system being used, including but not limited to the ATM or POS terminal was not working properly and you knew about the problem when you started the Transaction;
    5. The Agency did not transmit Benefits for us to credit to your Card Account;
    6. Funds in your Card Account were held as a result of legal process, a Transaction hold or security freeze described in these Terms; or
    7. The Transaction could not be completed because your Card was damaged.
  13. Suspending or Canceling your Card.

    1. We may temporarily suspend or permanently terminate your use of the Card, including electronic access to your Card Account:
      1. immediately if: you breach any of the provisions of these Terms; we are notified to do so by the Agency; we believe that there has been or may be unauthorized use of your funds, Card or PIN; there are conflicting claims to your funds; you have made more than one claim of unauthorized Transactions; we believe your Card is being used for any unlawful purpose; or we believe you are named as a specially designated national by the Office of Foreign Asset Control or presidential order; or
      2. within 30 days after giving you notice of our intent to suspend or terminate your Card.
    2. You may cancel your Card by giving us prior written notice or telephoning us at the Customer Service number below.
    3. Termination of your Card does not relieve you of your responsibility to reimburse us for any amounts owed to us under these Terms even if you cancel the Card.
    4. You should notify the Agency when your Card is permanently canceled to make other arrangements for receiving your Benefits.
  14. LEGAL & GENERAL TERMS

    1. Governing Law. The funds in your Card Account are deemed held in the State of Michigan. Unless a federal law or regulation applies to a specific section of these Terms or use of the Card, these Terms will be governed by and interpreted in accordance with the laws of the State of Michigan. Depending on where you live, you may have additional rights under certain state laws that apply to us and your Card. We will comply with applicable federal and state law.
    2. Limitation on Time to Sue. An action or proceeding by you to enforce an obligation, duty or right arising under these Terms or applicable law with respect to your Card or Card Account must be commenced within 12 months after the cause of action accrues.
    3. Dispute Resolution, Venue, and Waiver of Right to Jury Trial/Judicial Reference. If you have a problem with or related to your Card or Card Account, please call Customer Service at the number below immediately. In most cases, a telephone call will quickly resolve the problem in a friendly, informal manner. If, however, a dispute cannot be resolved informally, you or we may file a court action in the state where you have told us you reside with a court having subject matter jurisdiction.

      Unless the law provides otherwise or the claim is brought before a court in the State of California, you and we both agree to give up the right to a trial by jury to resolve each dispute, claim, demand, court action, and controversy ("claim") between you and us arising out of, or relating to your Card and/or Card Account. This includes, without limitation, claims brought by you as a class representative on behalf of others and claims by a class representative on your behalf as a class member.

      For claims brought in a court in the State of California, you and we agree that such claims shall be resolved by a reference proceeding in accordance with the provisions of Sections 638 et. seq. of the California Code of Civil Procedure ("CCP"), or their successor sections, which both of us agree constitutes the exclusive remedy for the resolution of any dispute, including whether the dispute is subject to the reference proceeding. The referee in the reference proceeding (i) shall hear and determine all issues, including but not limited to discovery disputes, (ii) is empowered to enter equitable and legal relief, rule on any motion otherwise permissible under the CCP, and (iii) may issue a decision disposing of all claims which shall be entered by the court as a final, binding and conclusive judgment, subject to appeal. A judicial reference proceeding is a trial decided by a court-appointed referee and not by a jury.

      You understand that without this jury trial waiver or agreement to submit claims for resolution by a reference proceeding, you may have a right to a jury trial on such matters, but you nevertheless agree voluntarily to waive that right. You acknowledge that you have had the opportunity to discuss this provision with your legal counsel.

    4. Privacy. We and our agents, acting on our behalf, collect nonpublic personal information about you (e.g., your name, address, telephone number, social security number, and date of birth) from the following sources: information we receive from you on applications/enrollments forms for the Card; and information about your Transactions with us or with others, including but not limited to the Agency. We do not release personal nonpublic financial information obtained in connection with this Card program about current or former Cardholders to anyone, except: to process and/or enforce Transactions with us and with others; to facilitate your Card enrollment and Agency payments/adjustments; to provide educational materials and other Card program features; as permitted or required by law, regulation, legal process or court order; to report to local, state and federal authorities if we believe a crime may have been committed involving a Card; or as otherwise requested by you. We restrict access to nonpublic personal information about you to our agents and employees who have a need to know that information in order to process your Card and Transactions. We maintain physical electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
    5. Assignment. You may not assign your rights or obligations in connection with these Terms or your Card to others.
    6. Legal process. We may comply with any subpoena, levy or other legal process which we believe in good faith is valid. Unless the law prohibits us, we may notify you of such process by telephone, electronically or in writing. If we are not fully reimbursed for our record search, photocopying and handling costs by the party that served the process, we may charge those costs to your Card Account. We may honor legal process that is served in any manner at any of our offices, including locations other than where the funds or records sought are held, even if the law requires personal delivery at a different location.

      Note: Certain benefit payments are protected from garnishment by federal and/or state law, which may impose requirements and limitations on legal process. A fee of up to $50.00 may be assessed for the review and processing of estate claims including the distribution of any remaining funds to a deceased cardholder's estate

    7. Change in terms. We may add to, delete or change these Terms at any time by providing you with prior notice as required by law.
    8. Severability/Waiver. If any provision of these Terms is deemed unlawful, void or unenforceable, it will be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions. We may delay enforcing our rights under this Agreement without losing them. Any waiver by you or us will not be deemed a waiver of other rights or the same rights at another time.
    9. Unclaimed Property. Under certain circumstances, we are required by state law to relinquish the balance in accounts in which there has been no activity for a specified amount of time, such as deposits, withdrawals, balance inquiry or any other Customer-initiated contact. The time period for relinquishment, also called escheatment, varies by state. You agree that we are not liable for any loss you may incur due to our good faith compliance with these laws.
    10. Direct Express® Cash Access: This feature will allow you to obtain cash from your Direct Express® card at Walmart Money Services or Walmart Customer Service with no purchase necessary. All you need is your Direct Express® card, a valid photo ID, and PIN. There are restrictions on cash limits that can be received through this option. This optional service is available in the US and Puerto Rico. No additional Walmart fees apply. Additional authorized retailers may be offered in the future.

      The Direct Express® Debit Mastercard® card is issued by Comerica Bank, pursuant to a license by Mastercard International Incorporated. Mastercard® is a registered trademark of Mastercard International Incorporated.

      Customer Service: 1-888-741-1115

      List of all fees for Direct Express® Debit Mastercard® Card
      All FeesAmountDetails
      Get Started
      Card purchase$0.00There is no fee to obtain a Card account.
      Monthly Usage
      Monthly fee$0.00There is no monthly fee associated with this Card account.
      Spend money
      Purchase using your Personal Identification Number (PIN) $0.00There is no fee for each purchase made using your PIN. There is no fee for signature based purchases.
      Get Cash
      ATM withdrawal (in-network)$0.85You are allowed one (1) ATM withdrawal each month per deposit at in-network ATMs. A fee will be assessed for each additional withdrawal. "In-network" refers to the Direct Express®  card surcharge-free ATM network, which offers surcharge-free ATM access at approximately 75,000 ATMs throughout the country including Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, Mastercard®  ATM Alliance, and MoneyPass. Locations can be found at https://locations.comerica.com/, www.citizensbank.com/customer-service/branch-locator.aspx, https://shazam.net/atms/, www.allianceone.coop/a1atm/find, https://apps.pnc.com/locator/#/search, www.mastercard.us/en-us/consumers/get-support/find-nearest-atm.html and www.moneypass.com/atm-locator.html.
      ATM withdrawal (out-of-network)$0.85This is our fee for each out-of-network ATM withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
      Teller-assisted cash withdrawals$0.00There is no fee for teller-assisted cash withdrawals.
      Information
      ATM denial$0.00There is no ATM denial fee associated with this account. An ATM denial occurs when a cardholder is not able to access his/her funds from the debit card account, which could occur for a variety of reasons.
      Customer service (automated or live agent)$0.00There is no fee for calling our automated customer service or speaking to a live agent, this includes calls for balance inquiries.
      ATM balance inquiry (in-network or out-of-network)$0.00There is no fee for this service.
      Using your card outside the U.S.
      International ATM withdrawal$3.00 plus 3%This is the fee for an ATM cash withdrawal outside of the U.S., and a surcharge by the ATM owner may apply.
      International Transaction3%This is the fee for purchases at merchant locations outside of the U.S.
      Other
      Card replacement$4.00You are allowed one (1) card replacement for no fee per year after the receipt of your initial card. A fee will be assessed for each additional card replacement request.
      Expedited Card Delivery$13.50If you request your card to be expedited rather than receiving it by regular mail, you will be assessed the expedited card delivery fee for each time.
      Direct Express® Cash Access$0.85The fee is for this optional service per transaction.
      Paper Statements$0.75The fee is for this optional service per month.
      Funds Transfers to U.S. Bank Account$1.50The fee is for this optional service each time.

      Your funds are eligible for FDIC Insurance. Your funds will be held at or transferred to Comerica Bank, an FDIC-insured institution. Once here, your funds are insured up to $250,000 by the FDIC in the event Comerica Bank fails, if specific deposit insurance requirements are met and your card is registered.

      See fdic.gov/deposit/deposits/prepaid.html for details.

      No overdraft/credit feature.

      Contact Direct Express® Customer Service by calling 1-888-741-1115, by mail at PO Box 245998 San Antonio, TX 78224-5998 or visit www.usdirectexpress.com. For general information about prepaid accounts, visit cfpb.gov/prepaid.

      If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Источник: https://www.usdirectexpress.com/

Comerica Web Banking Online – Login and Access Guide

Comerica Web Banking Online Features and Login Guide

Comerica Web Banking Online helps you to access your bank account at few clicks and keystrokes. Features of Comerica web banking online includes funds transfer, check account statement, stop check payment, pay bills etc. along with ease of access. Comerica web banking is available 24×7 hrs, which you can access anytime.

Web Banking @Comerica has transformed the way to access the bank account, from standing in long queues to get the transactions done. With access to online banking, you can carry out the transactions and manager your funds anytime. Now access to your bank account through mobile, tablet, laptop, desktop and save time and money.

Comerica Web Banking Online Features and Login Guide

You can initiate fund transfer within Comerica Bank Accounts, to external accounts and to a person with just email. Forget to pay electricity bill, phone bill , cable TV, departmental store or any bill ? No need to worry, you can schedule your bill payment for future date and also get reminder for upcoming bills through email notification. You can also schedule repeating payments like rent payment or loan repayment.

Comerica Web Banking is simple, convenient and easy way to manager your finance. It is available whenever and wherever you need to access your bank account. You can check your finance anytime with Comerica Web Banking.

Now talking about features here is long list –

  • Account Overview – Allows quick and easy access to commonly used banking features – view recent transactions, transfers, bill pay, and more.
  • No monthly fee – Free access to checking, savings, CDs and loan accounts
  • Account Statement – View, download, or print 24 months of eStatements ​
  • Access Manager –  Give another person access or transaction capability for accounts within your Web Banking profile without sharing your Web Banking User ID
  • Easily create one-time,  recurring or future-dated fund transfers between your Comerica checking and savings accounts
  • External Transfers – Transfer funds between your Comerica checking or savings accounts and your accounts at other financial institutions located within the United States. Make a one-time transfer or establish recurring transfers.
  • Stop payments on checks
  • Print images of your canceled checks
  • View and export a full six months of your account history
  • Check Comerica Debit Card transactions immediately
  • Download your banking transactions into Microsoft®​Excel or Quicken® Banking with Comerica

How to Access Comerica Web Banking

How To Find and Use Your Comerica Bank Login

Comerica Bank began slowly: When the bank first opened its doors as the Detroit Savings Fund Institute in 1849, it had just six customers for a total of $41. Times have changed, though, as Comerica is now a major banking institution in operation across a variety of markets, including California, Texas, Arizona, Florida and Michigan.

But getting the most out of being a Comerica Bank customer involves knowing how to make use of your online and mobile options. So, here’s a closer look at everything you need to know to log in to your Comerica Bank account.

Jump to a section:

How To Log In to Your Comerica Bank Account From a Computer

It’s easy to log in to your Comerica Bank account from your home computer.

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Enter your user ID and password.
  4. Click the button labeled “Log In.”

Read More: How Much Does Your Bank Charge in ATM Fees?

How To Log In to Your Comerica Bank Account From a Mobile Phone or Tablet

Comerica’s mobile app allows you to do everything from check your balances to deposit checks just by snapping a picture.

  1. Go to the Apple Store or Google Play and download the Comerica Bank app.
  2. Open the app on your phone or tablet.
  3. Enter your user ID and password to complete your login.

See This: Best Online Banks of 2020

How To Retrieve a Forgotten User ID or Password

You can still use online and mobile banking even if you’ve lost your user ID or password. Just retrieve them by following these simple steps:

For a forgotten password:

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Click on “Forgot Password.”
  4. Enter your user ID and email and click “Next.”

For a forgotten user ID:

  1. Call Comerica’s customer service line at 888-444-9876.

Learn more: 9 Apps Every Type-A Person Needs To Organize Their Finances

How To View Your Comerica Statement Information

The fastest, easiest way to view your statements is to simply log in to your Comerica Bank online or mobile account and viewing your statements there. You can also check on your balances by visiting any Comerica Bank branches.

How To Contact Comerica Bank If You Have Trouble With Your Account

There are a number of ways you can reach out by phone if you’re having issues accessing your Comerica Bank account. Some tasks can be completed with the self-service option, which is available 24 hours a day. If you want to reach a customer service representative, hours vary by region:

Comerica Bank Contact Numbers
NumberHours (all times local)
Eastern Time Zone800-266-3742Weekdays 8 a.m. to 8 p.m.
Central Time Zone800-925-2160Weekdays 7 a.m. to 7 p.m.
Mountain/Pacific Time Zone800-522-2265Weekdays 8 a.m. to 6 p.m.
Deaf or Hard of HearingTDD 800-822-6546Weekdays 8 a.m. to 8 p.m.

What Are the Benefits of Online Banking?

Banking online can be a great way to stay connected with your money. Being able to simply hop on to your computer and check your balances with ease helps you budget and prepare better for everything that might come your way.

More From GOBankingRates

More on Using Your Bank Login

Information is accurate as of Nov. 23, 2021.

Источник: https://www.gobankingrates.com/banking/banks/how-find-use-comerica-bank-login/

Overview

If you’re looking for a bank that offers a variety of bank accounts, Comerica Bank could be the right place for you. You can choose from a number of certificates of deposit, four checking accounts, two money market accounts and a savings account. However if you’re looking for a bank that offers high interest rates, this is likely not it. Most accounts (except the CDs and the Comerica Platinum Circle Checking® account) charge a monthly fee, although you can often get these fees waived by meeting a minimum balance.

The bank is limited in its physical locations, with branches only in Arizona, California, Florida, Michigan and Texas. Three of the bank’s accounts need to be opened at a branch, so unless you live near a branch, your account options will be limited, too.

Read on below to explore Comerica's many offerings.

ProductsKey Details
Savings Accounts
  • One account option
  • Lowest interest rate
  • Low and waivable monthly fee
Certificates of Deposit
  • Choose between Fixed-Rate CDs and Flexible-Rate CDs
  • Average interest rates
  • Must visit a branch to open a Flexible Rate CD
  • High minimum deposit requirement 
Money Market Accounts
  • Two account options 
  • Interest rates higher than regular savings account
  • Waivable monthly fees 
Checking Accounts
  • Four account options, including three interest-earning accounts
  • Waivable monthly fees, except for Comerica Platinum Circle Checking® account (no fee)

Comerica Bank Overview

Comerica Bank’s history can be traced back to 1849 when it started as Detroit Savings Fund Institute. Today, with its headquarters in Dallas, Comerica Incorporated includes three segments: The Business Bank, The Retail Bank and Wealth Management. The bank brands itself as focusing on relationships so as to help its customers succeed financially. 

Currently, you can only find Comerica Bank in Arizona, California, Florida, Michigan and Texas. You can also find select businesses in other states, Canada and Mexico. 

Comerica Bank Interest Rate Comparison

Comerica Bank Account Features

When you bank with Comerica, you’ll have access to a number of features that make your banking experience a more convenient one. For starters, you can access your accounts online and on mobile for free. There, you can check your balances, statements, checks (with check images), make transfers, pay bills and more. 

Compare Comerica Bank to Other Competitive Offers

Comerica Bank Statement Savings Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Savings AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$5 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $500
  • You are under 18 years old
  • You are 62 years or older with direct deposit of Social Security, pension or other federal recurring payments to your savings account
  • You have a Comerica personal checking account
Current Terms and RatesRates based on the state of California

The Statement Savings Account allows you to save at a low interest rate with few strings attached. There is a low monthly fee, however you can avoid it by meeting a minimum balance requirement. You can also open a Comerica checking account to avoid the savings fee and set up automatic transfers to keep your savings consistent.

When you open this account, you’ll receive a Comerica ATM card which gives you access to the bank’s ATMs. 

Comerica Bank Fixed Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • 7-29 Day: 0.01% APY
  • 30 - 89 Day: 0.02% APY
  • 90 - 179 Day: 0.03% APY
  • 180 - 364 Day: 0.04% APY
  • 1 Year: 0.10% APY
  • 2 Year: 0.10% APY
  • 3 Year: 0.15% APY
  • 4 Year: 0.15% APY
  • 5 Year: 0.20% APY
  • 6 Year: 0.20% APY
  • 7 - 10 Year: 0.20% APY

A certificate of deposit offers a more structured way to save. CDs come in different terms, in Comerica’s case, from seven days to 10 years. Once you make an initial deposit into account, you cannot touch the account until it reaches maturity, or the end of its term. This prevents you from dipping into your savings for frivolous expenses. If you truly need the money, you’ll face heavy penalties that may lessen the benefits of withdrawal. 

With a wide variety of term lengths, Comerica allows you to use a CD to meet your short-term and long-term savings goals. The bank’s interest rates perform lower than many other banks’ CD rates. However, you may be able to earn at a bonus interest rate if you link a Comerica checking account to your CD.

When you withdraw your savings at maturity, if you choose to, the funds can be transferred into your Comerica Checking, Savings or MMIA accounts. You can also choose to receive a check. If you don’t want to withdraw your money after a term, or you don’t take any action, the account will renew automatically at the same term length. 

Comerica Bank Flexible Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $2,499: 0.05% APY
  • Account balances of $2,500 and over: 0.15% APY

The Flexible Rate CD comes in only one term length of one year. It also changes the rules of CDs by allowing you to make additional deposits of at least $100 at any time. This allows you to grow your savings faster, especially when you get a bonus or some extra cash. Additional deposits can also help you take advantage of the balance tiers. With this account, larger balances earn higher interest rates. 

You will also be able to make a one-time withdrawal of up to 50% of the principal balance without facing an early withdrawal penalty. After that withdrawal, you’ll have to wait until the account reaches maturity to make any other penalty-free withdrawals. Again, the account will automatically renew at maturity if you don’t take any action to the opposite. Interest paid can be transferred into your Comerica Checking, Savings or MMIA accounts, or paid directly by check. 

You will have to visit a branch to open a Flexible Rate CD. 

Comerica Bank Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$12 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $2,500
  • Maintain an average daily ledger balance of at least $5,000
  • You have a Premier Checking account (and you have not selected a Statement Savings Account as your no-fee savings account)
Current Terms and RatesRates based on the state of California

Opening a Money Market Investment Account allows you to earn at a higher interest rate than with a basic savings account. You’ll also be able to take advantage of the account’s check-writing abilities. You can write up to six checks per statement cycle. You’ll also receive a Comerica ATM card to access your account. 

Comerica Bank High Yield Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$17 monthly fee, waivable with a minimum daily ledger balance of $15,000
Current Terms and RatesRates based on the state of California

This High Yield Money Market Investment Account allows you to earn at higher interest rates depending on your account balance. You can still open the account with its low minimum deposit requirement. You can also benefit from six checks per statement cycle and a Comerica ATM card. 

The account does have a higher monthly fee, however. While you can get the fee waived, the minimum balance required to do so is also higher. 

Comerica Bank Access Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$13 monthly fee, waivable with one of the following 
  • Maintain a minimum daily ledger balance of $1,000
  • One direct deposit of at least $250 per statement cycle
  • Be a full time college student up to the age of 26
  • Be a business owner with a Comerica business checking account
  • Be an Active or Retired Member of the U.S. Military (with valid Military I.D.)

The Comerica Access Checking Account offers a simple checking account with all the essentials. You have access to Web Banking®, Web Bill Pay® and a debit card. There is a monthly fee that comes with the account, although you can easily get the fee waived by regularly using the account. If you can’t get the fee waived entirely, you can at least receive a $2 discount when you sign up for eStatements in lieu of paper statements. 

Owning this account also provides check safekeeping, a Comerica Home Equity Flexline® rate discount and the opportunity to waive the monthly fee on a Statement Savings Account. 

Comerica Bank Rich Rewards® Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$18 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $5,000
  • A minimum combined balance of $7,500 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

This checking account earns owners a small amount of interest. You’ll also have access to Web Banking®, Web Bill Pay®, a debit card and free Comerica Advantage style checks. The CheckPhoto feature gives customers the option of receiving images of any canceled checks with their monthly statements. 

The Rich Rewards® Checking account perks extend beyond the account itself, too. Owning the account can get you a rate discount on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay from this checking account. You can also receive interest rate boosts on new fixed rate CDs and IRAs with a term of one year or more. 

Comerica Bank Premier Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$22 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $7,500
  • A minimum combined balance of $20,000 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

Although billed as a high yield interest-earning checking account, the Premier Checking account earns at the same interest rate as the Comerica Bank Rich Rewards® Checking account. This interest rate is the lowest rate you can earn, falling below the national average. 

Despite the low interest rate, you do have access to some great financial features. These include the bank’s premium financial and money management services, discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay and boosted interest rates on new fixed-rate CDs and IRAs with a term of one year or more. You’ll also be able to get overdraft protection fees and fees for a MMIA or a Statement Savings Account waived. 

Comerica Platinum Circle Checking® Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $99,999: 0.03% APY
  • Account balances of $100,000 and over: 0.05% APY

For starters, not everyone can open a Comerica Platinum Circle Checking® account. You qualify to open this account if you have either an average daily ledger balance of at least $50,000 in your personal and business deposit accounts or a minimum daily combined balance of at least $2,500,000 in any combination of assets managed by Comerica Asset Management, in Comerica Private Banking loan balances or in Comerica Securities, Inc. account balances. 

If you qualify for the account, you can take advantage of interest rates that perform better than the bank’s other two interest-earning checking accounts. You also get access to the bank’s dedicated customer service number solely for Platinum customers and your Comerica debit or ATM card will have a higher ATM withdrawal limit. Owning this account also means overdraft protection fees will be waived and you’ll receive free checks, as well as access to a MMIA and a Statement Savings Account and a checking account for a household member. You can also benefit from rate discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loans when using autopay from this checking account, and interest rate boosts on new fixed-rate CDs and IRAs with a term of 180 days or more.

Where Can I Find Comerica Bank?

You can find Comerica Bank online, on mobile, over the phone or at a physical branch or ATM. The bank’s U.S. locations are limited to Arizona, California, Florida, Michigan and Texas. You can find select businesses in other states, Canada and Mexico. 

You can open most accounts online even if you do not live in the above states. However, it may make your application and banking experience more convenient if there’s a location near you.

What Can You Do Online With Comerica Bank?

This image details the Comerica homepage.

The bank’s website allows you to browse its product offerings, check interest rates, find locations, apply to accounts and more, right from its homepage shown here. Since you don’t need to reside in a state with a bank location, you can easily open most accounts online. 

Once you have an account with the bank, you can log into your account(s) online. There, you can pay bills, make transfers, check your statements and more. You can perform most of these actions on the mobile app. Additionally, you can deposit checks on the app. 

How Do I Access My Money?

You can access your money wherever you can find the bank: online, on mobile, over the phone, at a branch or at an ATM. If you do not live in Arizona, California, Florida, Michigan or Texas, however, you won’t have any physical locations available to you. Instead, you can take advantage of Comerica Web Banking®, Comerica Web Bill Pay® and the Comerica Mobile App.

To access your money online, you’ll need to provide your user ID and password. Then you can make transfers, pay bills, set up automatic transactions and more.

To access your money at an ATM or location, you’ll need to have your Comerica Debit Card, ATM Card or your account information.

How Can I Save More Money With a Comerica Bank Account?

Most Comerica Bank accounts don’t have high interest rates. The bank’s highest rates come with its CDs with terms of one year or more. If you choose to open an interest-earning account, you may want to open one that earns at higher interest rates with higher account balances. Of course, this will only benefit you if you can meet the high account balances required. 

You also stand to save more money by avoiding the monthly fees that come with most of the above bank accounts. This will require meeting certain minimum balance requirements, as well. 

What’s the Process for Opening an Account With Comerica Bank?

This image details the Comerica account application page.

Once you’ve found the account(s) you’d like to open, you can apply online by clicking a blue “Apply Now” button for the account. You can do this for all accounts except High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs. 

You will have to provide personal information in your application, just as the accompanying image shows. This includes your home address, phone number, government-issued ID, Social Security number and identity verification. If the account you’re opening has a minimum deposit requirement, you’ll also have to make that deposit at opening, as well.

You can also open an account at a branch or over the phone. You will have to do so for High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs.

What’s the Catch? 

Comerica Bank is limited in its physical locations, with branches in only five U.S. states. This limits your opportunity to open certain accounts. 

The bank also doesn’t offer very favorable rates or fees. Most accounts earns at rates well below the national average. To snag the highest rates the bank can offer, you’ll need to open a long-term CD. So if you’re looking for savings accounts with the highest interest rates in the industry, you’ll need to look elsewhere.

Bottom Line

Comerica is a limited bank, with locations in only five U.S. states and low interest rates on all its accounts. If you value high interest rates and convenient, in-person banking, this likely won’t be the bank for you. However, you can find a variety of bank accounts here, which allows you to keep your accounts in one place. If you choose to open a Comerica bank account, you’ll want to take note of the account’s monthly fee. If you meet the account’s balance requirements, you can get the fee waived and receive a better interest rate. 

 

Источник: https://smartasset.com/checking-account/comerica-banking-review

First and foremost, we redesigned and architected a new site to give consumers streamlined access to key content in each of four target segments – personal finance, small business, corporate, and wealth and institutional management.

In addition to a complete visual and stylistic refresh, an extensive new feature set was created to maximize both initial customer acquisition and later cross-selling opportunities. Comerica Advisor was a foundational component of this strategy, offering an array of educational and advisory content, such as planning guides, tutorials, calculators, and demos.

On the technical side, we migrated Comerica onto a new content management platform. Our customized implementation enabled major improvements in site maintenance, responsiveness, and efficiency through tiered workflow processes and management tools.

As a result, nearly 100% of the site’s content can now be updated by Comerica’s marketing group and other business stakeholders using a simple administrative interface.

In addition, we created a comprehensive framework for tagging, tracking, and reporting on site performance. With the help of analytics software, Comerica can now leverage extensive site data to optimize content organization, maximize key conversion rates, and prioritize future investment decisions.

Источник: https://www.perficient.com/success-stories/comerica

Overview

If you’re looking for a bank that offers a variety of bank accounts, Comerica Bank could be the right place for you. You can choose from a number of certificates of deposit, four checking accounts, two money market accounts and a savings account. However if you’re looking for a bank that offers high interest rates, this is likely not it. Most accounts (except the CDs and the Comerica Platinum Circle Checking® account) charge a monthly fee, although you can often get these fees waived by meeting a minimum balance.

The bank is limited in its physical locations, with branches only in Arizona, California, Florida, Michigan and Texas. Three of the bank’s accounts need to be opened at a branch, so unless you live near a branch, your account options will be limited, too.

Read on below to explore Comerica's many offerings.

ProductsKey Details
Savings Accounts
  • One account option
  • Lowest interest rate
  • Low and waivable monthly fee
Certificates of Deposit
  • Choose between Fixed-Rate CDs and Flexible-Rate CDs
  • Average interest rates
  • Must visit a branch to open a Flexible Rate CD
  • High minimum deposit requirement 
Money Market Accounts
  • Two account options 
  • Interest rates higher than regular savings account
  • Waivable monthly fees 
Checking Accounts
  • Four account options, including three interest-earning accounts
  • Waivable monthly fees, except for Comerica Platinum Circle Checking® account (no fee)

Comerica Bank Overview

Comerica Bank’s history can be traced back to 1849 when it started as Detroit Savings Fund Institute. Today, with its headquarters in Dallas, Comerica Incorporated best savings banks near me three segments: The Business Bank, The Retail Bank and Wealth Management. The bank brands itself as focusing on relationships so as to help its customers succeed financially. 

Currently, you can only find Comerica Bank in Arizona, California, Florida, Michigan and Texas. You can also find select businesses in other states, Canada and Mexico. 

Comerica Bank Interest Rate Comparison

Comerica Bank Account Features

When you bank with Comerica, you’ll have access to a number of features that make your banking experience a more convenient one. For starters, you can access your accounts online and on mobile for free. There, you can check your balances, statements, checks (with check images), make transfers, pay bills and more. 

Compare Comerica Bank to Other Competitive Offers

Comerica Bank Statement Savings Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Savings AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$5 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $500
  • You are under 18 years old
  • You are 62 years or older with direct deposit of Social Security, pension or other federal recurring payments to your savings account
  • You have a Comerica personal checking account
Current Terms and RatesRates based on the state of California

The Statement Savings Account allows you to save at a low interest rate with few strings attached. There is a low monthly fee, however you can avoid it by meeting a minimum balance requirement. You can also open a Comerica checking account to avoid the savings fee and set up automatic transfers to keep your savings consistent.

When you open this account, you’ll receive a Comerica ATM card which gives you access to the bank’s ATMs. 

Comerica Bank Fixed Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • 7-29 Day: 0.01% APY
  • 30 - 89 Day: 0.02% APY
  • 90 - 179 Day: 0.03% APY
  • 180 - 364 Home remedies for yeast infection rash 0.04% APY
  • 1 Year: 0.10% APY
  • 2 Year: 0.10% APY
  • 3 Year: 0.15% APY
  • 4 Year: 0.15% APY
  • 5 Year: 0.20% APY
  • 6 Year: 0.20% APY
  • 7 - 10 Year: 0.20% APY

A certificate of deposit offers a more structured way to save. CDs come in different terms, in Comerica’s case, from seven days to 10 years. Once you make an initial deposit into account, you cannot touch the account until it reaches maturity, or the end of its term. This prevents you from dipping into your savings for frivolous expenses. If you truly need the money, you’ll face heavy penalties that may lessen the benefits of withdrawal. 

With a wide variety of term lengths, Comerica allows you to use a CD to meet your short-term and long-term savings goals. The bank’s interest rates perform lower than many other banks’ CD rates. However, you may be able to earn at a bonus interest rate if you link a Comerica checking account to your CD.

When you withdraw your savings at maturity, if you choose to, the funds can be transferred into your Comerica Checking, Savings or MMIA accounts. You can also choose to receive a check. If you don’t want to withdraw your money after a term, or you don’t take any action, the account will renew automatically at the same term length. 

Comerica Bank Flexible Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $2,499: 0.05% APY
  • Account balances of $2,500 and over: 0.15% APY

The Flexible Rate CD comes in only one term length of one year. It also changes the rules of CDs by allowing you to make additional deposits of at least $100 at any time. This allows you to grow your savings faster, especially when you get a bonus or some extra cash. Additional deposits can also help you take advantage of the balance tiers. With this account, larger balances earn higher interest rates. 

You will also be able to make a one-time withdrawal of up to 50% of the principal balance without facing an early withdrawal penalty. After that withdrawal, you’ll have to wait until the account reaches maturity to make any other penalty-free withdrawals. Again, the account will automatically renew at maturity if you don’t take any action to the opposite. Interest paid can be transferred into your Comerica Checking, Savings or MMIA accounts, or paid directly by check. 

You will have to visit a branch to open a Flexible Rate CD. 

Comerica Bank Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$12 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $2,500
  • Maintain an average daily ledger balance of at least $5,000
  • You have a Premier Checking account (and you have not selected a Statement Savings Account as your no-fee savings account)
Current Terms and RatesRates based on the state of California

Opening a Money Market Investment Account allows you to earn at a higher interest rate than with a basic savings account. You’ll also be able to take advantage of the account’s check-writing abilities. You can write up to six checks per statement cycle. You’ll also receive a Comerica ATM card to access your account. 

Comerica Bank Simpli banking login Yield Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$17 monthly fee, waivable with a minimum daily ledger balance of $15,000
Current Terms and RatesRates based on the state of California

This High Yield Money Market Investment Account allows you to earn at higher interest rates depending on your account balance. You can still open the account with its low minimum deposit requirement. You can also benefit from six checks per statement cycle and a Comerica ATM card. 

The account does have a higher monthly fee, however. While you can get the fee waived, the minimum balance required to do so is also higher. 

Comerica Bank Access Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$13 monthly fee, waivable with one of the following 
  • Maintain a minimum daily ledger balance of $1,000
  • One direct deposit of at least $250 per statement cycle
  • Be a full time college student up to the age of 26
  • Be a business owner with a Comerica business checking account
  • Be an Active or Retired Member of the U.S. Military (with valid Military I.D.)

The Comerica Access Checking Account offers a simple checking account with all the essentials. You have access to Web Banking®, Web Bill Pay® and a debit card. There is a monthly fee that comes with the account, although you can easily get the fee waived by regularly using the account. If you can’t get the fee waived entirely, you can at least receive a $2 discount when you sign up for eStatements in lieu of paper statements. 

Owning this account also provides check safekeeping, a Comerica Home Equity Flexline® rate discount and the opportunity to waive the monthly fee on a Statement Savings Account. 

Comerica Bank Rich Rewards® Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$18 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $5,000
  • A minimum combined balance of $7,500 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

This checking account earns owners a small amount of interest. You’ll also have access to Web Banking®, Web Bill Pay®, a debit card and free Comerica Advantage style checks. The CheckPhoto feature gives customers the option of receiving images of any canceled checks with their monthly statements. 

The Rich Rewards® Checking account perks extend beyond the account itself, too. Owning the account can get you a rate discount on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay from this checking account. You can also receive interest rate boosts on new fixed rate CDs and IRAs with a term of one year or more. 

Comerica Bank Premier Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$22 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $7,500
  • A minimum combined balance of $20,000 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

Although billed as a high yield interest-earning checking account, the Premier Checking account earns at the same interest rate as the Comerica Bank Rich Rewards® Checking account. This interest rate is the lowest rate you can earn, falling below the national average. 

Despite the low interest rate, you do have access to some great financial features. These include the bank’s premium financial and money management services, discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay and boosted interest rates on new fixed-rate CDs and IRAs with a term of one year or more. You’ll also be able to get overdraft protection fees and fees for a MMIA or a Statement Savings Account waived. 

Comerica Platinum Circle Checking® Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $99,999: 0.03% APY
  • Account balances of $100,000 and over: 0.05% APY

For starters, not everyone can open a Comerica Platinum Circle Checking® account. You qualify to open this account if you have either an average daily ledger balance of at least $50,000 in your personal and business deposit accounts or a minimum daily combined balance of at least $2,500,000 in any combination of assets managed by Comerica Asset Management, in Comerica Private Banking loan balances or in Comerica Securities, Inc. account balances. 

If you qualify for the account, you can take advantage of interest rates that perform better than the bank’s other two interest-earning checking accounts. You also get access to the bank’s dedicated customer service number solely for Platinum customers and your Comerica debit or ATM card will have a higher ATM withdrawal limit. Owning this account also means overdraft protection fees will be waived and you’ll receive free checks, as well as access to a MMIA and a Statement Savings Account and a checking account for a household member. You can also benefit from rate discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loans when using autopay from this checking account, and interest rate boosts on new fixed-rate CDs and IRAs with a term of 180 days or more.

Where Can I Find Comerica Bank?

You can find Comerica Bank online, on mobile, over the phone or at a physical branch or ATM. The bank’s U.S. locations are limited to Arizona, California, Florida, Michigan and Texas. You can find select businesses in other states, Canada and Mexico. 

You can open most accounts online even if you do not live in the above states. However, it may make your application and banking experience more convenient if there’s a location near you.

What Can You Do Online With Comerica Bank?

This image details the Comerica homepage.

The bank’s website allows you to browse its product offerings, check interest rates, find locations, apply to accounts and more, right from its homepage shown here. Since you don’t need to reside in a state with a bank location, you can easily open most accounts online. 

Once you have an account with the bank, you can log into your account(s) online. There, you can pay bills, make transfers, check your statements and more. You can perform most of these actions on the mobile app. Additionally, you can deposit checks on the app. 

How Do I Access My Money?

You can access your money wherever you can find the bank: online, on mobile, over the phone, at a branch or at an ATM. If you do not live in Arizona, California, Florida, Michigan or Texas, however, you won’t have any physical locations available to you. Instead, you can take advantage of Comerica Web Banking®, Comerica Web Bill Pay® and the Comerica Mobile App.

To access your money online, you’ll need to provide your user ID and password. Then you can make transfers, pay bills, set up automatic transactions and more.

To access your money at an ATM or location, you’ll need to have your Comerica Debit Card, ATM Card or your account information.

How Can I Save More Money With a Comerica Bank Account?

Most Comerica Bank accounts don’t have high interest rates. The bank’s highest rates come with its CDs with terms of one year or more. If you choose to open an interest-earning account, you may want to open one that earns at higher interest rates with higher account balances. Of course, this will only benefit you if you can meet the high account balances required. 

You also stand to save more money by avoiding the monthly fees that come with most of the above bank accounts. This will require meeting certain minimum balance requirements, as well. 

What’s the Process for Opening an Account With Comerica Bank?

This image details the Comerica account application page.

Once you’ve found the account(s) you’d like to open, you can apply online by clicking a blue “Apply Now” button for the account. You can do this for all accounts except High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs. 

You will have to provide personal information in your application, just as the accompanying image shows. This includes your home address, phone number, government-issued ID, Social Security number and identity verification. If the account you’re opening has a minimum deposit requirement, you’ll also have to make that deposit at opening, as well.

You can also open an account at a branch or over the phone. You will have to do so for High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs.

What’s the Catch? 

Comerica Bank is limited in its physical locations, with branches in only five U.S. states. This limits your opportunity to open certain accounts. 

The bank also doesn’t offer very favorable rates or fees. Most accounts earns at rates well below the national average. To snag the highest rates the bank can offer, you’ll need to open a long-term CD. So if you’re looking for savings accounts with the highest interest rates in the industry, you’ll need to look elsewhere.

Bottom Line

Comerica is a limited bank, with locations in only five U.S. states and low interest rates on all its accounts. If you value high interest rates and convenient, in-person banking, this likely won’t be the bank for you. However, you can find a variety of bank accounts here, which allows you to keep your accounts in one place. If you choose to open a Comerica bank account, you’ll want to take note of the account’s monthly fee. If you meet the account’s balance requirements, you can get the fee waived and receive a better interest rate. 

 

Источник: https://smartasset.com/checking-account/comerica-banking-review

FAQs

What Are The Benefits of a Student Bank Account?

Bank accounts for students offer several important benefits. To start, they have lower minimum deposit requirements, making them easier to open (and keep open). The majority of student accounts waive monthly maintenance fees; many amazon prime video phone number waive ATM fees and forgive overdrafts, reflecting the reality of an account-holder who doesn't have much disposable income to spare. Such perks allow young people to learn excellent money management skills without having small mistakes set them back. Finally, while many banks offer budgeting tools, apps, and educational content, these accounts take extra care to make these student-friendly features accessible (and heavily promote them) to their student account-holders, promoting financial literacy. 

How Do You Open a Student Bank Account?

Opening a student account is similar to opening a regular bank account; it just requires just a little more identification—primarily, proof of school enrollment. Whether you apply online or in person, expect to provide some or all of this information:

  • Valid student ID with a photo
  • School transcript
  • College acceptance letter

Also, as with any account, you'll need a government-issued ID (driver's license, passport), plus your Social Security number. 

Should You Open a Student Bank Account?

Not all students need to open a student bank account. Any student who has already established good financial habits with a regular checking account doesn't necessarily need one. However, the low cost of student bank accounts, plus their perks, makes them an attractive option for anyone who qualifies. Whether or not you need the financial guardrails provided by a student bank account, it's certainly beneficial to take advantage of waived fees and offered rewards.

What Happens To a Student Bank Account When You Graduate?

In most cases, banks will automatically convert your student account into a standard account upon your graduation. Your bank will shift the account based upon your age, or based on the age of the account, or when you officially graduate. If you take more than four years to graduate, you may need to show your bank proof of your continued enrollment to maintain your student bank account.

Student bank accounts offer a low-fee option for high school and college students. The lack of monthly fees, the low minimum deposit requirements, and the offers to waive specific fees all help new account-holders learn the ropes of money management inexpensively. Having a student bank account allows students to keep their focus on their classes rather than jumping through banking hoops to keep their money safe.

Methodology

Research for this article includes evaluating banks that offering accounts geared explicitly toward students, or accounts that provide similar benefits to those geared toward students. The banks were compared based on fees, minimum deposits, and accessibility. The seven accounts considered to be the "best of" meet all of our requirements to be considered necessary for a student, but are, in particular, all widely available, low-cost, and provided by well-respected banking institutions.

Источник: https://www.investopedia.com/best-student-bank-accounts-4799707

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How to get online banking


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Источник: http://portir.org/4kwg/how-to-get-online-banking.html

Comerica Web Banking Online – Login and Access Guide

Comerica Web Banking Online Features and Login Guide

Comerica Web Banking Online helps you to access your bank account at few clicks and keystrokes. Features of Comerica web banking online includes funds transfer, check account statement, stop check payment, pay bills etc. along with ease of access. Comerica web banking is available 24×7 hrs, which you can access anytime.

Web Banking @Comerica has transformed the way to access the bank account, from standing in long queues to get the transactions done. With access to online banking, you can carry out the transactions and manager your funds anytime. Now access to your bank account through mobile, tablet, laptop, desktop and save time and money.

Comerica Web Banking Online Features and Login Guide

You can initiate fund transfer within Comerica Bank Accounts, to external accounts and to a person with just email. Forget to pay electricity bill, phone billcable TV, departmental store or any bill ? No need to worry, you can schedule your bill payment for future date and also get reminder for upcoming bills through email notification. You can also schedule repeating payments like rent payment or loan repayment.

Comerica Web Banking is simple, convenient and easy way to manager your finance. It is available whenever and wherever 1st community credit union online banking need to access your bank account. You can check your finance anytime with Comerica Web Banking.

Now talking about features here is long list –

  • Account Overview – Allows quick and easy access to commonly used banking features – view recent transactions, transfers, bill pay, and more.
  • No monthly fee – Free access to checking, savings, CDs and loan accounts
  • Account Statement – View, download, or print 24 months of eStatements ​
  • Access Manager –  Give another person access or transaction capability for accounts within your Web Banking profile without sharing your Web Banking User ID
  • Easily create one-time,  recurring or future-dated fund transfers between your Comerica checking and savings accounts
  • External Transfers – Transfer funds between your Comerica checking or savings accounts and your accounts at other financial institutions located within the United States. Make a one-time transfer or establish recurring transfers.
  • Stop payments on checks
  • Print images of your canceled checks
  • View and export a full six months of your account history
  • Check Comerica Debit Card transactions immediately
  • Download your banking transactions into Microsoft®​Excel or Quicken® Banking with Comerica

How to Access Comerica Web Banking

TERMS OF USE FOR YOUR DIRECT EXPRESS® DEBIT MASTERCARD® CARD

You have requested to receive certain federal government benefits by a Direct Express® Debit Mastercard® Card (“Card”) issued by Comerica Bank (“us, we”), rather than receiving a check or direct deposit to your checking or savings account. You do not have to accept this benefits card. If you do not agree to accept the Card under these Terms, do not activate your Card. Instead, dispose of it by cutting it in half, notify Customer Service at the number below, and contact the agency paying your benefits to make other arrangements for receiving future benefit payments.

Keep these Terms of Use ("Terms") and the other information you received about the Card in a safe place with your other important documents but do not keep your PIN with your Card. These Terms describe your rights and our rights regarding your Card, the use of your Card, and your Card Account.

BY ACCEPTING THIS CARD YOU AGREE TO THESE TERMS:

  1. Definitions:

    Agency. The Federal Government Agency that pays your Benefits.

    ATM. Automatic Teller Machine displaying the Mastercard® logo or Mastercard® ATM Alliance Logo.

    Benefits. The Federal Government payments you receive electronically from the Agency.

    Business Day. Monday through Friday, excluding federal holidays.

    Card. The Direct Express® Debit Mastercard® Card or its card number issued by Comerica Bank that is first nebraska bank valley ne to access funds in your Card Account. Access in some cases requires the use of your PIN.

    Card Account. The account held at Comerica Bank to which your Benefits are electronically transmitted by the Agency and which you access by the use of your Card. You are the owner of the funds in the Card Account. The funds are FDIC insured to the maximum amount permitted by law. victoria secret dream angels bra

    PIN. The Personal Identification Number that you select.

    Transaction. A purchase, cash withdrawal, cash back, cash how to find routing number capital one advance, merchant credit, Benefit deposit or other transaction made with your Card.

  2. Getting Started

    1. A. Activating Your Card & Selecting a PIN

      1. By accepting this Card, you agree to call Customer Service at first tennessee bank hours chattanooga tn the number below to select your PIN and activate your Card. See the enclosed Direct Express®  Debit Mastercard®  Card brochure for more information.
      2. Keep your PIN in a safe place. Do not write it on your Card or keep it near your Card.
    2. B. When Your Funds are Available

      1. Once you have activated your Card and selected your PIN and we have received and credited funds from the Agency to the Card Account, you can begin using your Card. These funds are usually available the same Business Day we receive them.
      2. If the Card Account is credited with an amount you are not entitled to receive, the amount may be deducted from the Card woori america bank new york Account without prior notice to you. If the incorrect amount is from the Agency and you used those funds, the Agency can reclaim those funds. If we incur a loss as a result of either of these situations, we may recover those funds from you or your estate. (See Section XI, "Adjustments to Your Card Account")
      3. You may not deposit funds to your Card Account. Except for credits from merchants (for returns or adjustments), only the Agency may add funds to the Card Account.
  3. Using your Card

    1. A. General Use of your Card

      1. You can use your Card to pay for merchandise or services from any merchant that accepts Mastercard®  debit cards. You can also use your Card at ATMs that display a Mastercard®  logo. There are no Card fees for many of these Transactions. (See Section X, "Fees") can you deposit cash at us bank atm comerica online bank statement
      2. To use your Card at ATMs or to get cash back when using your Card to make purchases, you must use your PIN. For other how to apply for a childrens place credit card transactions, you should select "credit" and you may be asked to sign the sales receipt. Selecting "credit" does not mean that we or the Agency are lending you money.
      3. The amount of each Transaction will be deducted from your available Card Account balance along with any applicable fees (See Section X, "Fees") You should ensure that you have enough available funds in the Card Account to cover the Transaction and prior Transactions. You may not overdraw your Card Account.

        Funds that are subject to a Transaction Hold (see Paragraph comerica online bank statement B.1 of this Section III "Transaction Holds") or security freeze (see Paragraph 3 of Section V) are not available for other Transactions.

      4. If you make a purchase through a Point of Sale ("POS") terminal, a cash refund or adjustment will not be given to you if you return the merchandise. Instead, the merchant will process a credit transaction, and we will apply the credit to your Card Account balance.
      5. You can instruct us through our automated telephone Funds Transfer service, Mobile App, or Website to transfer funds from your card account to your personal United States bank account. If we cannot authenticate or verify your personal bank account information, we may limit your initial transfer to $200.00 or not allow the transfer to proceed. There is a fee for each transfer (See Section X, “Fees”). Transfers generally take three (3) Business Days.
      6. Instructions to make a telephone transfer or bill payment that are received after our cutoff hour or on a greater pittsburgh community food bank green grocer Day will university of texas at austin ethnic diversity be considered received as of the next Business Day. Once a transfer or payment instruction has been confirmed by us, you cannot cancel the Transaction. colchester ct food bank
    2. B. Transaction Holds & Preauthorized Payments

      1. Transaction Holds. For some Card purchases, capital one 360 checking promotion 2018 such as car rentals and hotel accommodations, the merchant may request authorization in advance for an estimated amount. If the authorization is approved, we place a temporary hold ("Transaction Hold") on your funds for the estimated amount of the purchase so that we can ensure that sufficient funds are available when the purchase is completed. Until the Transaction finally settles or we determine that it is unlikely to be processed, the held funds will not be available for other Transactions. Once the preauthorized Transaction finally settles, we will charge your Card for the correct amount of the final transaction and will release any excess amount. If we determine that it is not likely the preauthorized Transaction will be processed, we will release the hold and those funds will be available for your use.
      2. Pre-Authorized Payments. You may use your Card to make regular, pre-authorized payments to merchants by giving your Card Account information to the merchant. If these payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside tcf bank login digital certain limits that you set.

        You have the right to cancel a pre-authorized payment from your Card Account if you call us at the Customer Service number below, or write to us at Direct Express®, Payment Processing homes for sale in michigan by owner Services, PO Box 245998, San Antonio, TX 78224-5998. We must receive your request at least three (3) Business Days before the payment is scheduled to be made. (Note: If we do not receive your request at least three (3) Business Days before the scheduled payment, we may attempt, at our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request). If you call, we may require you to put your request in writing to us and to provide us with a copy of your notice to the payee, revoking the payee's authority to originate debits to your Card Account, within 14 days after alabama credit union online banking you call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your Card Account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer, and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. If you order us to stop one of these payments at least three (3) Business Days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

  4. Transactions We May Refuse to Process

    A Transaction may not be processed if: (a) the amount of the Transaction exceeds your available balance, (b) the Card has been reported lost or stolen, (c) we are uncertain whether you have authorized the Transaction, or (d) there is a dispute involving your available balance. If you believe you were entitled to receive Benefits in an amount different than what was credited to your Card Account, you should contact the Agency.

  5. Problems Using Your Card

    1. If you experience a problem using your Card at the self-service pump of a gas station, you may have to go inside to pay.
    2. If you have problems using your Card and you believe you have sufficient available funds for the Transaction, call us at the Customer Service number below.
    3. If we notice Transactions that are unusual or suspicious, we may place a temporary security "freeze" on your Card while we attempt to contact you. comerica online bank statement
  6. Record of Your Transactions, Card Account Balance & Know Your Balance

    You should check your Card Account balance and Transaction history on a regular basis. The information is available to you free of charge through our Customer Service number and at our web site, www.usdirectexpress.com. lone star state bank odessa tx For a fee, you can also receive written statements each month.

    1. Keep track of your Transactions, including Transaction Holds, so you know your Card Account balance.
    2. When you withdraw cash or make a purchase, you can get a receipt for the Transaction. In some cases, the receipt will indicate your Card Account balance. You also can get information about your Card Account balance and a record of your Transactions by calling the Customer Service number below or by visiting www.usdirectexpress.com.
      [Note: Balance information may not include Transactions or fees that are still in process and have not yet settled. The balance also may include payments subject to a hold (See Section III, Paragraph B "Transaction Holds") or a security freeze (See Section V, Paragraph 3]
    3. From the website, you can select and print transaction history for up to 12 months for tracking the transactions posted to your Card account. The amount of your available funds is also available on the receipt you get when you make a withdrawal or balance inquiry at certain ATMs. You also have the right to obtain at least 24 months of written history of Card Account transactions by calling us at the number on the back of your card or writing us at Account Services, PO Box 245997, San Antonio, Texas 78224-5997. You will not be charged a fee for this information, unless you request it more than once a month.
  7. Card and PIN Security-REPORT LOST OR STOLEN CARD

    You agree not to give or otherwise make your Card or PIN available to others. If you do, you will be responsible for any Transactions they conduct, even if they exceed your authorization. For security reasons you agree not to write your PIN on your Card or keep it in the same place as your Card.

    If you believe your Card or PIN has been lost or stolen or that someone has or may transfer or take money from your Card Account without your permission, report it by calling the Customer Service number below as soon as possible. You can also write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998 or visit our houston food bank reviews web site at www.usdirectexpress.com. Calling us is the fastest way to report this loss. Once your Card or PIN is reported to us as lost, stolen or destroyed, your Card will be cancelled and you will have no liability for further Transactions involving the use of the canceled Card.

  8. Your Liability for Unauthorized Transactions

    1. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at the Customer Service number is the best way of keeping your possible losses down. You could lose all the money in your Card Account. If you tell us within two Business Day, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

      If you can't telephone us, you can write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998. If you are a California resident, you will not be liable for the $500 amount described above in any event. If you are a New York resident, your liability for the unauthorized use of the Card will not exceed $50.

      Also, if the written Transaction history or other Card Transaction information provided to you shows transfers that you did not make, tell us at once. If you do not tell us within 120 days after the transfer allegedly in error was credited or debited to your Card Account, you may not get back any money you lost after the 120 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip, a hospital stay, or the illness of a family member) kept you from notifying us, we will extend the time periods.

    2. Once your Card or PIN is reported lost, stolen or destroyed, the Card will be cancelled, and you will have no liability for further Transactions conducted with the Card.
  9. In Case of Errors or Questions about Your Card Transactions

    1. Call the Customer Service number below or write to us at the address described below as soon as you can if you think an error has occurred in your Card Account. We must hear from you within 120 days after the transfer allegedly in error was credited or debited to your Card Account. You will need to tell captain america civil war gif
      1. Your name and Card number.
      2. Why you believe there is an error, and the dollar amount involved.
      3. The approximate date when the error took place.
      Please provide us with your street address, email address and telephone, as well, so that we can communicate with you.
    2. If the error cannot be resolved over the phone, you must provide us written notice of the error within 10 Business Days at Direct Express®, Payment Processing Services, PO Box 245998, San north central texas college financial aid Antonio, TX 78224-5998. find student loan account number for irs
    3. We will determine whether an error occurred with 10 Business Days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card Account within 10 Business Days (20 business days for new card accounts opened less than 30 days) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete comerica online bank statement our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Card Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, map of north texas and oklahoma may take up to 90 days to investigate your complaint or question.
    4. We will tell you the results of our investigation within three Business Days after how to create sbi internet banking online our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for icici bank personal loan pay online of the documents we used in our investigation to make our determination.
    5. If you need more information about the error resolution procedures, call us at the Customer Service number below.
  10. Fees

    We will charge you and you agree to pay the fees and charges described on the amazon prime video phone number List of All Fees included with your Card. See the brochure accompanying your Card for ways to avoid fees. If you believe a fee was charged when it should not have been, call Customer Service at the number below.

  11. Adjustments to Your Card Account

    There are occasions when adjustments will be made to your Card Account balance to: reflect a merchant adjustment; resolve a dispute regarding a Transaction posted to your Card; correct deposits or Transactions posted in error; or because the Agency required the return of the Benefits received after you died or were declared incompetent ("Reclamation"). These adjustments could cause your Card Account to have a negative balance.

    If you do not have sufficient funds in your account to cover a Transaction or fee, the amount owed may be deducted from future credits to your Card Account and/or we may seek reimbursement from you, your estate or beneficiaries.

    Remember, you always have the right to dispute adjustments posted to your old navy login visa Card Account.

  12. Our Liability to You

    If we do not complete an electronic fund transfer (Transaction) to or from comerica online bank statement your Card Account on time or in the correct amount according to these Terms, the cottages vacation rentals siesta key we will be liable for your losses or damages. There are some exceptions, however. We will not be liable, for instance, if:

    1. Through no fault of ours, you do not have enough available funds in your Card Account to complete the Transaction;
    2. We believe you may not have authorized the Transaction;
    3. Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevents or delays the transfer, despite reasonable precautions taken by us;
    4. The debit card system being used, including but not limited to the ATM or POS terminal was not working properly and you knew about the problem when you started the Comerica online bank statement
    5. The Agency did not transmit Benefits for us to credit to your Card Account;
    6. Funds in your Card Account were held as a result of legal process, a Transaction hold or security freeze described in these Terms; or
    7. The Transaction could not be completed because your Card was damaged.
  13. Suspending or Canceling your Card.

    1. We may temporarily suspend or permanently terminate your use of the Card, including electronic access to your Card Account:
      1. immediately if: you breach any of the provisions of these Terms; we are notified to do so by the Agency; we believe that there has been or may be unauthorized use of your funds, Card or PIN; there are conflicting claims to your funds; you have made more than one claim of unauthorized Transactions; we believe your Card is being used for any unlawful purpose; or we believe you are named as a specially designated national by the Office of Foreign Asset Control or presidential order; or
      2. within 30 days after giving you notice of our intent to suspend or terminate your Card.
    2. You may cancel your Card by giving us prior written notice or telephoning us at the Customer Service number below.
    3. Termination of your Card does not relieve you of your responsibility to reimburse us for any amounts owed to us under these Terms even if you cancel the Card.
    4. You should notify the Agency when your Card is permanently canceled to make other arrangements for receiving your Benefits.
  14. LEGAL & GENERAL TERMS

    1. Governing Law. The funds in your Card Account are deemed held in the State of Michigan. Unless a federal law or regulation applies to a specific section of these Terms or use of the Card, these Terms will be governed by and interpreted in accordance with the laws of the State of Michigan. Depending on where you live, you may have additional rights under certain state laws that apply to us and your Card. We will comply with applicable federal and state law.
    2. Limitation on Time to Sue. An action or proceeding by you to enforce an obligation, duty or right arising under these Terms or applicable law with respect to your Card or Card Account must be commenced within 12 months after the cause of action accrues.
    3. Dispute Resolution, Venue, and Waiver of Right to Jury Trial/Judicial Reference. If you have a problem with or related to your Card or Card Account, please call Customer Service at the number below immediately. In most cases, a telephone call will quickly resolve the problem in a friendly, informal manner. If, however, a dispute cannot be resolved informally, you or we may file a court action in the state where you have told us you reside with a court having subject matter jurisdiction.

      Unless the law provides otherwise or the claim is brought before a court in the State of California, you and we both agree to give up the right to a trial by jury to resolve each dispute, claim, demand, court action, and controversy ("claim") between you and us arising out of, or relating to your Card and/or Card Account. This includes, without limitation, claims brought by you as a class representative on behalf of others and claims by a class representative on your behalf as check your balance global cash card class member.

      For claims brought in a court in the State of California, you and we agree that such claims shall be resolved by a reference proceeding in accordance with the provisions of Sections 638 et. seq. of the California Code of Civil Procedure ("CCP"), or their successor sections, which both of us agree constitutes the exclusive remedy humphrey funeral home russellville ar global cash card mastercard routing number for the resolution of any dispute, including whether the dispute is alabama one credit union mobile app subject to the reference proceeding. The referee in the reference proceeding (i) shall hear and determine all issues, including but not limited to discovery disputes, (ii) is empowered to enter comerica online bank statement equitable and legal relief, rule on any motion otherwise permissible under the CCP, and (iii) may issue a decision disposing of all claims which shall be entered by the court as a final, binding and conclusive judgment, subject to appeal. A judicial reference proceeding is a trial decided by a court-appointed referee and not by a jury.

      You understand that without this jury trial waiver or agreement to submit claims for resolution by a reference proceeding, you may have a right to a jury trial on such matters, but you nevertheless agree voluntarily to waive that right. You acknowledge that you have had the opportunity to discuss this provision with your legal counsel.

    4. Privacy. We and our agents, acting on our behalf, collect nonpublic personal information about you (e.g., your name, can someone hack my bank account with my phone number address, telephone number, social security number, and date of birth) from the following sources: information we receive from you on applications/enrollments forms for the Card; and information about your Transactions with us or with others, including but not limited to the Agency. We do not release personal nonpublic financial information obtained in connection with this Card program about current or former Cardholders to anyone, except: to process and/or enforce Transactions with us and with others; to facilitate your Card enrollment and Agency payments/adjustments; to provide educational materials and other Card bethany beach homes for sale by owner program features; as permitted or required by law, regulation, legal process or court order; to report to local, state and federal authorities if we believe a crime may have been committed involving a Card; or as otherwise requested by you. We restrict access to nonpublic personal information about you to our agents and employees who have a channel 5 news online fort smith need to know that information in order to process your Card and Transactions. We maintain physical electronic and procedural safeguards comerica online bank statement that comply with federal regulations to guard your nonpublic personal information.
    5. Assignment. You may not assign your rights or obligations in connection with these Terms or your Card to others.
    6. Legal process. We may comply with any subpoena, levy or other legal process which we believe in good faith is valid. Unless the law prohibits us, we may notify you of such process by telephone, electronically or in writing. If we are not fully reimbursed for our record search, photocopying and handling costs by the party that served the process, we may charge those costs to your Card Account. We may honor legal process that is served in any manner at any of our offices, including locations other than where the funds or records sought are held, even if the law requires ui nv gov bank of america union bank of california san marcos ca personal delivery at a different location.

      Note: Certain benefit payments are protected from garnishment by federal and/or state law, which may impose requirements and limitations on legal process. A fee of up to $50.00 may be assessed for the review and processing of estate claims including the distribution of any remaining funds to a deceased cardholder's estate

    7. Change in terms. We may add to, delete or change these Terms at any time by providing you with prior notice as required by law.
    8. Severability/Waiver. If any provision of these Terms is deemed unlawful, void or unenforceable, it will be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions. We may delay enforcing our rights under this Agreement without losing them. Any waiver by you or us will not be deemed a waiver of other rights or the same rights at another time.
    9. Unclaimed Property. Under certain circumstances, we are required by state law to relinquish the balance in accounts in which there has been no activity for a specified amount of time, such as deposits, withdrawals, balance inquiry or any other Customer-initiated contact. The time period for relinquishment, also called escheatment, varies by state. You agree that we are not liable for any loss you may incur due to our good faith compliance with these laws.
    10. Direct Express® Cash Access: This feature will allow you to obtain cash from your Direct Express® card at Walmart Money Services or Walmart Customer Service with no purchase necessary. All you need is your Direct Express® card, a valid photo ID, and PIN. There are restrictions on cash limits that can be received through this option. This optional service is available in the US and Puerto Rico. No additional Walmart fees apply. Additional authorized retailers may google play customer service phone number 24/7 be offered in the future.

      The Direct Express® Debit Mastercard® card is issued by Comerica Bank, pursuant to a license by Mastercard International Incorporated. Mastercard® is a registered trademark of Mastercard International Incorporated.

      Customer Service: 1-888-741-1115

      List of all fees for Direct Express® Debit Mastercard® Card
      All FeesAmountDetails
      Get Started
      Card purchase$0.00There is no fee to obtain a Card account.
      Monthly Usage
      Monthly fee$0.00There is no monthly fee associated with this Card top certificate of deposit rates account.
      Spend money
      Purchase using your Personal Identification Number (PIN) $0.00There is no fee for each purchase made using your PIN. There is no fee for signature based purchases.
      Get Cash
      ATM withdrawal (in-network)$0.85You are allowed one (1) ATM withdrawal each month per deposit at in-network ATMs. A fee will be assessed for each additional withdrawal. "In-network" refers to the Direct Express®  card surcharge-free ATM network, which offers surcharge-free ATM access at approximately 75,000 ATMs throughout the country including Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, Mastercard®  ATM Alliance, and MoneyPass. Locations can be found at https://locations.comerica.com/, www.citizensbank.com/customer-service/branch-locator.aspx, free food pantry open today near me https://shazam.net/atms/, www.allianceone.coop/a1atm/find, https://apps.pnc.com/locator/#/search, www.mastercard.us/en-us/consumers/get-support/find-nearest-atm.html and www.moneypass.com/atm-locator.html.
      ATM withdrawal (out-of-network)$0.85This is our fee for each out-of-network ATM withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
      Teller-assisted cash withdrawals$0.00There is no fee for teller-assisted cash withdrawals.
      Information
      ATM denial$0.00There is no ATM denial fee associated with this account. An ATM denial occurs when a cardholder is not able to access his/her funds from the debit card account, which could occur for a variety of reasons.
      Customer service (automated or live agent)$0.00There is no fee for calling our automated customer service or speaking to a live agent, this includes calls for balance inquiries.
      ATM balance inquiry (in-network or out-of-network)$0.00There is no fee for this service.
      Using your card outside the U.S.
      International ATM withdrawal$3.00 plus 3%This is the fee for an ATM cash withdrawal outside of the U.S., and a surcharge by the ATM owner may apply.
      International Transaction3%This is the fee for purchases at merchant locations outside of the U.S.
      Other
      Card replacement$4.00You are allowed one (1) card replacement for no fee per year after the receipt of your initial card. A fee will be assessed for each additional card replacement request.
      Expedited Card Delivery$13.50If you request your card to be expedited rather than receiving it by regular mail, you will be assessed the expedited card delivery fee for each time.
      Direct Express® Cash Access$0.85The fee is for this optional service per transaction.
      Paper Statements$0.75The fee is for this optional service per month.
      Funds Transfers to U.S. Bank Account$1.50The fee is for this optional service each time.

      Your funds are eligible for FDIC Insurance. Your funds will be held at or transferred to Comerica Bank, an FDIC-insured institution. Once here, your funds are insured up to $250,000 by the FDIC in the event Comerica Bank of america business cash rewards credit card fails, if specific deposit insurance requirements are met and your card is registered.

      See fdic.gov/deposit/deposits/prepaid.html for details.

      No overdraft/credit feature.

      Contact Direct Express® Customer Service by calling 1-888-741-1115, by mail at PO Box 245998 San Antonio, TX 78224-5998 or visit www.usdirectexpress.com. For general information about prepaid accounts, visit cfpb.gov/prepaid.

      If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Источник: https://www.usdirectexpress.com/

How To Find and Use Your Comerica Bank Login

Comerica Bank began slowly: When the bank first opened its doors as the Detroit Savings Fund Institute in 1849, it had just six customers for a total of $41. Times have changed, though, as Comerica is now a major banking institution in operation across a variety of markets, including California, Texas, Arizona, Florida and Michigan.

But getting the most out of being a Comerica Bank customer involves knowing how to make use of your online and mobile options. So, here’s a closer look at everything you need to know to log in to your Comerica Bank account.

Jump to a section:

How To Log In to Your Comerica Bank Account From a Computer

It’s easy to log in to your Comerica Bank account from your home computer.

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Enter your user ID and password.
  4. Click the button labeled “Log In.”

Read More: How Much Does Your Bank Charge in ATM Fees?

How To Log In to Your Comerica Bank Account From a Mobile Phone or Tablet

Comerica’s mobile app allows you to do everything from check your balances to deposit checks just by snapping a picture.

  1. Go to the Apple Store or Google Play and download the Comerica Bank app.
  2. Open the app on your phone or tablet.
  3. Enter your user ID and password to complete your login.

See This: Best Online Banks of 2020

How To Retrieve a Forgotten User ID or Password

You can still use online and mobile banking even if you’ve lost your user ID or password. Just retrieve them by following these simple steps:

For a forgotten password:

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Click on “Forgot Password.”
  4. Enter your user ID and email and click “Next.”

For a forgotten user ID:

  1. Call Comerica’s customer service line at 888-444-9876.

Learn more: 9 Apps Every Type-A Person Needs To Organize Their Finances

How To View Your Comerica Statement Information

The fastest, easiest way to view your statements is to simply log in to your Comerica Bank online or mobile account and viewing your statements there. You can also check on your balances by visiting any Comerica Bank branches.

How To Contact Comerica Bank If You Have Trouble With Your Account

There are a number of ways you can reach out by phone if you’re having issues accessing your Comerica Bank account. Some tasks can be completed with the self-service option, which is available 24 hours a day. If you want to reach a customer service representative, hours vary by region:

Comerica Bank Contact Numbers
NumberHours (all times local)
Eastern Time Zone800-266-3742Weekdays 8 a.m. to 8 p.m.
Central Time Zone800-925-2160Weekdays 7 a.m. to 7 p.m.
Mountain/Pacific Time Zone800-522-2265Weekdays 8 a.m. to 6 p.m.
Deaf or Hard of HearingTDD 800-822-6546Weekdays 8 a.m. to 8 p.m.

What Are the Benefits of Online Banking?

Banking online can be a great way to stay connected with your money. Being able to simply hop on to your computer and check your balances with ease helps you budget and prepare better for everything that might come your way.

More From GOBankingRates

More on Using Your Bank Login

Information is accurate as of Nov. 23, 2021.

Источник: https://www.gobankingrates.com/banking/banks/how-find-use-comerica-bank-login/

Comerica Savings Account Review: Should You Open?

With your financial goals in mind, a savings account makes sense for your needs.

And, if you're located in some of biggest states in the South, Comerica Bank is one you might consider.

The bank offers a basic savings account -- called Statement Savings.

Now:

It is very much a standard option from what you'd expect from a brick-and-mortar bank.

Still, find out if it is enough for your needs. Then, remember to compare it to other savings accounts to see if they are a better fit.

Comerica Statement Savings Account Pros & Cons

ProsCons
  • Good for automatic savings and overdraft protection
  • Mobile apps available
  • Has a monthly fee (can be waived)
  • Very low interest rate

Not a Great Interest Rate

When you open a savings account, you typically have two goals in mind:

  • keep your money somewhere save
  • help grow your savings

FDIC insurance

Comerica is a great place to keep your money if you want to keep it safe.

Like most American banks, Comerica is insured by the Federal Deposit Insurance Corporation. Insurance from the FDIC makes a bank as safe as it is possible to be.

The FDIC offers protection up to $250,000 per depositor, per account type at a bank.

If you make a deposit to Comerica or any other FDIC insured bank, you can rest easy knowing your money is safe.

If the bank later closes without returning your money, the FDIC will reimburse you for any amount lost, up to $250,000.

So long as your account balance does not exceed that amount, you cannot lose money that you’ve deposited.

Note that this insurance limit is based td ameritrade los angeles locations the account ownership type and the bank.

If you need even more insurance, you’ll have to open accounts at a different bank.

Savings rate

Another major part of a savings account is the interest that you can earn. Interest payments help your savings account’s balance grow over time.

Comerica offers an incredibly low rate of interest.

It is far lower than the rates offered by online banks and lower even than the rates offered by most other brick and mortar banks.

If you’re looking to get the best interest rate, no matter what, you’ll have to open an online savings account.

Don’t forget: 

The interest rate that your savings account pays is an important piece of keeping your money, or at least its spending power, safe.

Over time, inflation causes money to become less valuable. If you’ve seen your favorite products or groceries increase in price over the years, you’ve seen inflation at work.

Like interest, inflation is expressed as a percentage. If something costs $1 and the inflation rate is comerica online bank statement, it will cost $1.03 one year from now.

Ideally, you want the interest rate you earn to be greater than or equal to the rate of inflation. In that scenario, your savings account will maintain or increase in value over time.

If the interest rate paid on the account is lower than the inflation rate, your savings are actually losing value as time goes on.

Multiple Ways to Avoid the Monthly Fee

Many banks have started charging monthly fees to customers who have even the most basic types of accounts. 

There is a $5 monthly fee to keep your Comerica Savings Account open. You can avoid the fee by meeting any of these requirements:

  • Maintain a $500 minimum daily balance
  • Provide proof that you are under 18 years old
  • Provide proof that you are 62 or older and receive direct deposit of your social security or pension
  • Open a linked Comerica personal checking account

Other Fees

Monthly fees are the most common type of savings account fee, but they aren’t the only fees that you might face.

Though most of these fees are uncommon, it’s good to be familiar with the fees that you might be charged.

Comerica Savings Account Fees

Type of FeeFee
Monthly Maintenance$5
Excess Withdrawal$5
Overdraft Fee$26
Stop Payment Fee$34
Returned Item Fee$13
Domestic Incoming Wire Transfers$14
Domestic Outgoing Wire Transfer$29

How It Compares

When you’re looking to open a new savings account, it’s easy to get overwhelmed by the number of options that are out there.

Still, it’s worth it to take the time to compare different accounts.

Finding the right one will make it that much easier to save money and avoid fees.

When you compare savings accounts, the first thing you should do is look at each accounts’ fee structure.

You never want to pay a fee to a bank if you can avoid it. Many banks offer fee-free savings accounts.

Online banks are especially known for this, so look to them for fee-free options.

If you must choose an account with a monthly fee, make sure it’s easy to avoid so you can avoid it each month.

After you compare the fees, look at each accounts’ interest rate.

Choose the higher rate where possible as higher rates mean faster growth in your savings account. Settling for a lower rate is like giving up free money.

Finally, consider the special features that each account offers. Some savings accounts offer perks like ATM withdrawals and fee reimbursement.

Others might give you discounts, rewards of meeting savings goals, or financial management software.

Regardless of the specific features, you need to think about the value of those features to you.

Some people will find overdraft protection very valuable.

People who never overdraft their checking account probably don’t care about whether that feature is available or not.

Account features are the most subjective thing to compare, but they can make what seems like an average account into the perfect account for you.

Should You Open a Comerica Money Market Account Instead?

If you want to open a savings account to help grow your money, you might consider opening a money market account instead.

Money market accounts combine the best aspects of savings and checking accounts.

You can access your money easily with a checkbook and debit card while continuing to earn interest. In fact, many money market accounts offer better rates than savings accounts do.

Unfortunately, money market accounts also tend to have higher minimum deposit requirements and higher fees.

You’re also limited to making six check and debit purchases each month. Otherwise, you’ll have to pay a fee.

Comerica offers two money market accounts.

Comerica Money Market Investment Account

This account has a higher interest rate but charges a $12 fee. This fee can be avoided by meeting any of the following requirements:

  • Maintain a $2,500 minimum balance
  • Maintain a $5,000 average ledger balance
  • Have a Comerica Platinum Circle Checking Account
  • Have a Premier Checking Account that is not linked to a Statement Savings Account

Comerica High Yield Money Market Investment Account

This account offers an increasing rate based on your balance.

The rate increases when your balance reaches $15,000 and again when it reaches $100,000.

The account carries a $17 monthly fee, which can only be waived with a $15,000 minimum daily balance.

The Final Verdict

The Comerica Savings Account is a poor choice for most people.

It pays a paltry rate and has a monthly fee that, while easy to avoid, can be a nuisance.

If you want to open a new savings account, consider an online bank. You’ll earn a higher rate of interest and won’t have to worry about fees.

Continue Reading

Источник: https://www.mybanktracker.com

Comerica online bank statement -

Best Bank Accounts for Small Businesses That Are Established

12. Bank of America Business Advantage Checking

With a Business Advantage Savings account, you’ll pay no fees for stop payments, incoming wire transfers, or choice of other services. You’ll also get QuickBooks integration at no cost and you can open a second Business Advantage Checking account with no additional monthly fee. Though fees are comparatively steep at $29.95 per cycle, you can avoid them in a number of flexible ways, such as spending with a business credit card or maintaining a monthly balance of $15,000. Bank of America also offers merchant and payroll services.

13. U.S. Bank Gold Business Checking Package

If your business has moderate transaction activity, U.S. Bank’s Gold Business Checking Package can manage cash flow with 300 free transactions per statement cycle and 100 cash deposits. U.S. Bank also offers payroll processing and an EZ-Switch Kit to help you conveniently transfer a new business account. You’ll need to apply in person at one of the 3,200 branch locations.

14. Wells Fargo Analyzed Business Checking

This analyzed checking account is best for larger organizations that have a high volume of transactions and complex cash management needs. The account is supported by Wells Fargo’s Commercial Electronic Office, which offers treasury information reporting, online statements, desktop depositing, ACH origination, and online wire transfers. Your business account balance generates an earnings allowance that can be used to offset account fees.

Best Bank Accounts for Small Businesses with High Transaction Volume

15. CitiBusiness Flexible Checking Account

If your small business needs include 500 transactions monthly and averages a monthly balance of at least $10,000, this flexible business bank account may be best suited to you. You’ll pay no fees if you meet the monthly minimum balance (otherwise, fees run between $22 and 25, depending on your state), and can deposit up to $20,000 in currency each month. Citi, which operates physical locations in nine states and Washington, D.C., only accepts applications in person.

16. PNC Business Checking Plus

With this PNC business bank account, there’s no charge for up to 500 combined transactions per month. With more opportunities to offset monthly account maintenance fee than the company’s Business Checking account, Business Checking Plus also offers cash-flow insight and analysis at no charge. You can also earn cash back with PNC’s rewards program, and the bank’s Quick Switch Kit makes it easy to switch banks. Apply online, by phone, or in person.

17. Citizens Bank Business Advisor Checking

If you’re running a small business that’s quickly expanding, an upgrade to this Citizen’s account may give you a nice boost. Perks include 500 free check transactions per statement period, $100 off your first order of checks, a 10 percent discount on payroll services, and a business credit card with no annual fee. Combine the balances of your business loans, savings, and money market accounts to help waive monthly maintenance fees.

Best Online-Only Bank Accounts for Small Businesses

18. Novo

A standout in the world of online-only business bank accounts, Novo offers completely free business checking with no hidden fees and won’t charge you for ATM withdrawals, money transfers, account balance minimums, or transaction volume. Overdrafts and withdrawals against unavailable funds are the only actions that will result in a charge, at $27 per transgression. Open an account in mere minutes from your phone with just $50, then easily pay bills and move money between accounts. ACH transfers are a breeze, but if you need to issue a physical check, they’ve also got you’ve covered. Digital entrepreneurs will appreciate Novo’s clever cash-flow insight and analysis with easy-to-comprehend feedback, and, as a digital native, this business bank also takes integration seriously, too, interfacing with QuickBooks, Stripe, Slack, and Xero.

19. Azlo

Designed for digital entrepreneurs who want access to hassle-free, integrated tools, an online-only account with Azlo allows you to send and receive (by check or bank transfer) unlimited domestic payments entirely fee-free. (International payments are on the way.) Azlo integrates with Stripe and Square seamlessly and plans to connect with Etsy, Paypal, QuickBooks, and Xero next. Partnered with Compass Bank, Azlo offers FDIC backing and all the relevant security. Azlo is also committed to supporting immigrant entrepreneurs, whom the bank describes as “the most entrepreneurial group in the U.S., starting businesses at twice the rate of the rest of the population.” With no international transaction fees, unlimited transactions, no minimum balance requirement, no incoming wire fees, instant payments with other Azlo members, and a fully digital setup, the future of banking lives here.

20. Axos Basic Business Checking

Designed for small businesses with moderate account activity, Axos (which until recently was called Bank of Internet USA) charges no monthly maintenance fees and offers unlimited domestic ATM fee reimbursements. You’ll get your first set of 50 checks free, QuickBooks compatibility, 200 free combined transactions per month (30 cents per item thereafter), and free bill pay. For a low-fuss account, the minimum opening deposit is comparatively higher than some banks on this list at $1,000.

21. TIAA Small Business Checking Account

Created exclusively for sole proprietors and single-owner LLCs, TIAA’s Small Business Checking Account offers no monthly maintenance fees and competitive APYs (from .20 to .61 percent) on balances. You’ll need $1,500 to open an account but will be reimbursed for ATM fees. Other services include domestic and foreign wire transfers, comprehensive bill pay solutions, ACH transfers, and state and federal tax payments.

22. Axos Business Interest Checking

If you’re a growing business with some cash reserves, this Axos business bank account offers competitive interest rates and no monthly maintenance fee with an average daily balance of $5,000. (Otherwise you’ll pay $10 monthly.) Like the bank’s Basic Business Checking account, you’ll receive unlimited domestic ATM fee reimbursements and your first 50 checks free. But this account is best for the small business with low transaction rates: Included are 50 combined items per month (you’ll be charged 50 cents per item thereafter) and 60 remote deposits.

Источник: https://www.architecturaldigest.com/story/best-bank-accounts-small-businesses

Overview

If you’re looking for a bank that offers a variety of bank accounts, Comerica Bank could be the right place for you. You can choose from a number of certificates of deposit, four checking accounts, two money market accounts and a savings account. However if you’re looking for a bank that offers high interest rates, this is likely not it. Most accounts (except the CDs and the Comerica Platinum Circle Checking® account) charge a monthly fee, although you can often get these fees waived by meeting a minimum balance.

The bank is limited in its physical locations, with branches only in Arizona, California, Florida, Michigan and Texas. Three of the bank’s accounts need to be opened at a branch, so unless you live near a branch, your account options will be limited, too.

Read on below to explore Comerica's many offerings.

ProductsKey Details
Savings Accounts
  • One account option
  • Lowest interest rate
  • Low and waivable monthly fee
Certificates of Deposit
  • Choose between Fixed-Rate CDs and Flexible-Rate CDs
  • Average interest rates
  • Must visit a branch to open a Flexible Rate CD
  • High minimum deposit requirement 
Money Market Accounts
  • Two account options 
  • Interest rates higher than regular savings account
  • Waivable monthly fees 
Checking Accounts
  • Four account options, including three interest-earning accounts
  • Waivable monthly fees, except for Comerica Platinum Circle Checking® account (no fee)

Comerica Bank Overview

Comerica Bank’s history can be traced back to 1849 when it started as Detroit Savings Fund Institute. Today, with its headquarters in Dallas, Comerica Incorporated includes three segments: The Business Bank, The Retail Bank and Wealth Management. The bank brands itself as focusing on relationships so as to help its customers succeed financially. 

Currently, you can only find Comerica Bank in Arizona, California, Florida, Michigan and Texas. You can also find select businesses in other states, Canada and Mexico. 

Comerica Bank Interest Rate Comparison

Comerica Bank Account Features

When you bank with Comerica, you’ll have access to a number of features that make your banking experience a more convenient one. For starters, you can access your accounts online and on mobile for free. There, you can check your balances, statements, checks (with check images), make transfers, pay bills and more. 

Compare Comerica Bank to Other Competitive Offers

Comerica Bank Statement Savings Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Savings AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$5 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $500
  • You are under 18 years old
  • You are 62 years or older with direct deposit of Social Security, pension or other federal recurring payments to your savings account
  • You have a Comerica personal checking account
Current Terms and RatesRates based on the state of California

The Statement Savings Account allows you to save at a low interest rate with few strings attached. There is a low monthly fee, however you can avoid it by meeting a minimum balance requirement. You can also open a Comerica checking account to avoid the savings fee and set up automatic transfers to keep your savings consistent.

When you open this account, you’ll receive a Comerica ATM card which gives you access to the bank’s ATMs. 

Comerica Bank Fixed Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • 7-29 Day: 0.01% APY
  • 30 - 89 Day: 0.02% APY
  • 90 - 179 Day: 0.03% APY
  • 180 - 364 Day: 0.04% APY
  • 1 Year: 0.10% APY
  • 2 Year: 0.10% APY
  • 3 Year: 0.15% APY
  • 4 Year: 0.15% APY
  • 5 Year: 0.20% APY
  • 6 Year: 0.20% APY
  • 7 - 10 Year: 0.20% APY

A certificate of deposit offers a more structured way to save. CDs come in different terms, in Comerica’s case, from seven days to 10 years. Once you make an initial deposit into account, you cannot touch the account until it reaches maturity, or the end of its term. This prevents you from dipping into your savings for frivolous expenses. If you truly need the money, you’ll face heavy penalties that may lessen the benefits of withdrawal. 

With a wide variety of term lengths, Comerica allows you to use a CD to meet your short-term and long-term savings goals. The bank’s interest rates perform lower than many other banks’ CD rates. However, you may be able to earn at a bonus interest rate if you link a Comerica checking account to your CD.

When you withdraw your savings at maturity, if you choose to, the funds can be transferred into your Comerica Checking, Savings or MMIA accounts. You can also choose to receive a check. If you don’t want to withdraw your money after a term, or you don’t take any action, the account will renew automatically at the same term length. 

Comerica Bank Flexible Rate CD (Certificate of Deposit)

Key FeaturesDetails
Minimum Deposit$1,000
Access to Your CDOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNo monthly fees, although you may face a penalty for early withdrawal.
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $2,499: 0.05% APY
  • Account balances of $2,500 and over: 0.15% APY

The Flexible Rate CD comes in only one term length of one year. It also changes the rules of CDs by allowing you to make additional deposits of at least $100 at any time. This allows you to grow your savings faster, especially when you get a bonus or some extra cash. Additional deposits can also help you take advantage of the balance tiers. With this account, larger balances earn higher interest rates. 

You will also be able to make a one-time withdrawal of up to 50% of the principal balance without facing an early withdrawal penalty. After that withdrawal, you’ll have to wait until the account reaches maturity to make any other penalty-free withdrawals. Again, the account will automatically renew at maturity if you don’t take any action to the opposite. Interest paid can be transferred into your Comerica Checking, Savings or MMIA accounts, or paid directly by check. 

You will have to visit a branch to open a Flexible Rate CD. 

Comerica Bank Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$12 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $2,500
  • Maintain an average daily ledger balance of at least $5,000
  • You have a Premier Checking account (and you have not selected a Statement Savings Account as your no-fee savings account)
Current Terms and RatesRates based on the state of California

Opening a Money Market Investment Account allows you to earn at a higher interest rate than with a basic savings account. You’ll also be able to take advantage of the account’s check-writing abilities. You can write up to six checks per statement cycle. You’ll also receive a Comerica ATM card to access your account. 

Comerica Bank High Yield Money Market Investment Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Money Market AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$17 monthly fee, waivable with a minimum daily ledger balance of $15,000
Current Terms and RatesRates based on the state of California

This High Yield Money Market Investment Account allows you to earn at higher interest rates depending on your account balance. You can still open the account with its low minimum deposit requirement. You can also benefit from six checks per statement cycle and a Comerica ATM card. 

The account does have a higher monthly fee, however. While you can get the fee waived, the minimum balance required to do so is also higher. 

Comerica Bank Access Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$13 monthly fee, waivable with one of the following 
  • Maintain a minimum daily ledger balance of $1,000
  • One direct deposit of at least $250 per statement cycle
  • Be a full time college student up to the age of 26
  • Be a business owner with a Comerica business checking account
  • Be an Active or Retired Member of the U.S. Military (with valid Military I.D.)

The Comerica Access Checking Account offers a simple checking account with all the essentials. You have access to Web Banking®, Web Bill Pay® and a debit card. There is a monthly fee that comes with the account, although you can easily get the fee waived by regularly using the account. If you can’t get the fee waived entirely, you can at least receive a $2 discount when you sign up for eStatements in lieu of paper statements. 

Owning this account also provides check safekeeping, a Comerica Home Equity Flexline® rate discount and the opportunity to waive the monthly fee on a Statement Savings Account. 

Comerica Bank Rich Rewards® Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$18 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $5,000
  • A minimum combined balance of $7,500 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

This checking account earns owners a small amount of interest. You’ll also have access to Web Banking®, Web Bill Pay®, a debit card and free Comerica Advantage style checks. The CheckPhoto feature gives customers the option of receiving images of any canceled checks with their monthly statements. 

The Rich Rewards® Checking account perks extend beyond the account itself, too. Owning the account can get you a rate discount on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay from this checking account. You can also receive interest rate boosts on new fixed rate CDs and IRAs with a term of one year or more. 

Comerica Bank Premier Checking Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
Fees$22 monthly fee, waivable with one of the following
  • Maintain a minimum daily ledger balance of $7,500
  • A minimum combined balance of $20,000 each day in this account and/or up to three other related Comerica accounts (Statement Savings, MMIA, HYMMIA, CDs or IRAs)
Current Terms and RatesRates based on the state of California

Although billed as a high yield interest-earning checking account, the Premier Checking account earns at the same interest rate as the Comerica Bank Rich Rewards® Checking account. This interest rate is the lowest rate you can earn, falling below the national average. 

Despite the low interest rate, you do have access to some great financial features. These include the bank’s premium financial and money management services, discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loan when using autopay and boosted interest rates on new fixed-rate CDs and IRAs with a term of one year or more. You’ll also be able to get overdraft protection fees and fees for a MMIA or a Statement Savings Account waived. 

Comerica Platinum Circle Checking® Account

Key FeaturesDetails
Minimum Deposit$50
Access to Your Checking AccountOnline, mobile, over the phone and at physical branches.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and RatesRates based on the state of California
  • Account balances of $1 - $99,999: 0.03% APY
  • Account balances of $100,000 and over: 0.05% APY

For starters, not everyone can open a Comerica Platinum Circle Checking® account. You qualify to open this account if you have either an average daily ledger balance of at least $50,000 in your personal and business deposit accounts or a minimum daily combined balance of at least $2,500,000 in any combination of assets managed by Comerica Asset Management, in Comerica Private Banking loan balances or in Comerica Securities, Inc. account balances. 

If you qualify for the account, you can take advantage of interest rates that perform better than the bank’s other two interest-earning checking accounts. You also get access to the bank’s dedicated customer service number solely for Platinum customers and your Comerica debit or ATM card will have a higher ATM withdrawal limit. Owning this account also means overdraft protection fees will be waived and you’ll receive free checks, as well as access to a MMIA and a Statement Savings Account and a checking account for a household member. You can also benefit from rate discounts on a Comerica Home Equity Flexline® and Non-Real Estate Installment Loans when using autopay from this checking account, and interest rate boosts on new fixed-rate CDs and IRAs with a term of 180 days or more.

Where Can I Find Comerica Bank?

You can find Comerica Bank online, on mobile, over the phone or at a physical branch or ATM. The bank’s U.S. locations are limited to Arizona, California, Florida, Michigan and Texas. You can find select businesses in other states, Canada and Mexico. 

You can open most accounts online even if you do not live in the above states. However, it may make your application and banking experience more convenient if there’s a location near you.

What Can You Do Online With Comerica Bank?

This image details the Comerica homepage.

The bank’s website allows you to browse its product offerings, check interest rates, find locations, apply to accounts and more, right from its homepage shown here. Since you don’t need to reside in a state with a bank location, you can easily open most accounts online. 

Once you have an account with the bank, you can log into your account(s) online. There, you can pay bills, make transfers, check your statements and more. You can perform most of these actions on the mobile app. Additionally, you can deposit checks on the app. 

How Do I Access My Money?

You can access your money wherever you can find the bank: online, on mobile, over the phone, at a branch or at an ATM. If you do not live in Arizona, California, Florida, Michigan or Texas, however, you won’t have any physical locations available to you. Instead, you can take advantage of Comerica Web Banking®, Comerica Web Bill Pay® and the Comerica Mobile App.

To access your money online, you’ll need to provide your user ID and password. Then you can make transfers, pay bills, set up automatic transactions and more.

To access your money at an ATM or location, you’ll need to have your Comerica Debit Card, ATM Card or your account information.

How Can I Save More Money With a Comerica Bank Account?

Most Comerica Bank accounts don’t have high interest rates. The bank’s highest rates come with its CDs with terms of one year or more. If you choose to open an interest-earning account, you may want to open one that earns at higher interest rates with higher account balances. Of course, this will only benefit you if you can meet the high account balances required. 

You also stand to save more money by avoiding the monthly fees that come with most of the above bank accounts. This will require meeting certain minimum balance requirements, as well. 

What’s the Process for Opening an Account With Comerica Bank?

This image details the Comerica account application page.

Once you’ve found the account(s) you’d like to open, you can apply online by clicking a blue “Apply Now” button for the account. You can do this for all accounts except High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs. 

You will have to provide personal information in your application, just as the accompanying image shows. This includes your home address, phone number, government-issued ID, Social Security number and identity verification. If the account you’re opening has a minimum deposit requirement, you’ll also have to make that deposit at opening, as well.

You can also open an account at a branch or over the phone. You will have to do so for High Yield Money Market Investment Accounts, Comerica Platinum Circle Checking® accounts and Flexible Rate CDs.

What’s the Catch? 

Comerica Bank is limited in its physical locations, with branches in only five U.S. states. This limits your opportunity to open certain accounts. 

The bank also doesn’t offer very favorable rates or fees. Most accounts earns at rates well below the national average. To snag the highest rates the bank can offer, you’ll need to open a long-term CD. So if you’re looking for savings accounts with the highest interest rates in the industry, you’ll need to look elsewhere.

Bottom Line

Comerica is a limited bank, with locations in only five U.S. states and low interest rates on all its accounts. If you value high interest rates and convenient, in-person banking, this likely won’t be the bank for you. However, you can find a variety of bank accounts here, which allows you to keep your accounts in one place. If you choose to open a Comerica bank account, you’ll want to take note of the account’s monthly fee. If you meet the account’s balance requirements, you can get the fee waived and receive a better interest rate. 

 

Источник: https://smartasset.com/checking-account/comerica-banking-review

How To Find and Use Your Comerica Bank Login

Comerica Bank began slowly: When the bank first opened its doors as the Detroit Savings Fund Institute in 1849, it had just six customers for a total of $41. Times have changed, though, as Comerica is now a major banking institution in operation across a variety of markets, including California, Texas, Arizona, Florida and Michigan.

But getting the most out of being a Comerica Bank customer involves knowing how to make use of your online and mobile options. So, here’s a closer look at everything you need to know to log in to your Comerica Bank account.

Jump to a section:

How To Log In to Your Comerica Bank Account From a Computer

It’s easy to log in to your Comerica Bank account from your home computer.

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Enter your user ID and password.
  4. Click the button labeled “Log In.”

Read More: How Much Does Your Bank Charge in ATM Fees?

How To Log In to Your Comerica Bank Account From a Mobile Phone or Tablet

Comerica’s mobile app allows you to do everything from check your balances to deposit checks just by snapping a picture.

  1. Go to the Apple Store or Google Play and download the Comerica Bank app.
  2. Open the app on your phone or tablet.
  3. Enter your user ID and password to complete your login.

See This: Best Online Banks of 2020

How To Retrieve a Forgotten User ID or Password

You can still use online and mobile banking even if you’ve lost your user ID or password. Just retrieve them by following these simple steps:

For a forgotten password:

  1. Visit the Comerica Bank homepage.
  2. Click on “Log In” in the top right of the page.
  3. Click on “Forgot Password.”
  4. Enter your user ID and email and click “Next.”

For a forgotten user ID:

  1. Call Comerica’s customer service line at 888-444-9876.

Learn more: 9 Apps Every Type-A Person Needs To Organize Their Finances

How To View Your Comerica Statement Information

The fastest, easiest way to view your statements is to simply log in to your Comerica Bank online or mobile account and viewing your statements there. You can also check on your balances by visiting any Comerica Bank branches.

How To Contact Comerica Bank If You Have Trouble With Your Account

There are a number of ways you can reach out by phone if you’re having issues accessing your Comerica Bank account. Some tasks can be completed with the self-service option, which is available 24 hours a day. If you want to reach a customer service representative, hours vary by region:

Comerica Bank Contact Numbers
NumberHours (all times local)
Eastern Time Zone800-266-3742Weekdays 8 a.m. to 8 p.m.
Central Time Zone800-925-2160Weekdays 7 a.m. to 7 p.m.
Mountain/Pacific Time Zone800-522-2265Weekdays 8 a.m. to 6 p.m.
Deaf or Hard of HearingTDD 800-822-6546Weekdays 8 a.m. to 8 p.m.

What Are the Benefits of Online Banking?

Banking online can be a great way to stay connected with your money. Being able to simply hop on to your computer and check your balances with ease helps you budget and prepare better for everything that might come your way.

More From GOBankingRates

More on Using Your Bank Login

Information is accurate as of Nov. 23, 2021.

Источник: https://www.gobankingrates.com/banking/banks/how-find-use-comerica-bank-login/

Comerica Web Banking Online – Login and Access Guide

Comerica Web Banking Online Features and Login Guide

Comerica Web Banking Online helps you to access your bank account at few clicks and keystrokes. Features of Comerica web banking online includes funds transfer, check account statement, stop check payment, pay bills etc. along with ease of access. Comerica web banking is available 24×7 hrs, which you can access anytime.

Web Banking @Comerica has transformed the way to access the bank account, from standing in long queues to get the transactions done. With access to online banking, you can carry out the transactions and manager your funds anytime. Now access to your bank account through mobile, tablet, laptop, desktop and save time and money.

Comerica Web Banking Online Features and Login Guide

You can initiate fund transfer within Comerica Bank Accounts, to external accounts and to a person with just email. Forget to pay electricity bill, phone bill , cable TV, departmental store or any bill ? No need to worry, you can schedule your bill payment for future date and also get reminder for upcoming bills through email notification. You can also schedule repeating payments like rent payment or loan repayment.

Comerica Web Banking is simple, convenient and easy way to manager your finance. It is available whenever and wherever you need to access your bank account. You can check your finance anytime with Comerica Web Banking.

Now talking about features here is long list –

  • Account Overview – Allows quick and easy access to commonly used banking features – view recent transactions, transfers, bill pay, and more.
  • No monthly fee – Free access to checking, savings, CDs and loan accounts
  • Account Statement – View, download, or print 24 months of eStatements ​
  • Access Manager –  Give another person access or transaction capability for accounts within your Web Banking profile without sharing your Web Banking User ID
  • Easily create one-time,  recurring or future-dated fund transfers between your Comerica checking and savings accounts
  • External Transfers – Transfer funds between your Comerica checking or savings accounts and your accounts at other financial institutions located within the United States. Make a one-time transfer or establish recurring transfers.
  • Stop payments on checks
  • Print images of your canceled checks
  • View and export a full six months of your account history
  • Check Comerica Debit Card transactions immediately
  • Download your banking transactions into Microsoft®​Excel or Quicken® Banking with Comerica

How to Access Comerica Web Banking

TERMS OF USE FOR YOUR DIRECT EXPRESS® DEBIT MASTERCARD® CARD

You have requested to receive certain federal government benefits by a Direct Express® Debit Mastercard® Card (“Card”) issued by Comerica Bank (“us, we”), rather than receiving a check or direct deposit to your checking or savings account. You do not have to accept this benefits card. If you do not agree to accept the Card under these Terms, do not activate your Card. Instead, dispose of it by cutting it in half, notify Customer Service at the number below, and contact the agency paying your benefits to make other arrangements for receiving future benefit payments.

Keep these Terms of Use ("Terms") and the other information you received about the Card in a safe place with your other important documents but do not keep your PIN with your Card. These Terms describe your rights and our rights regarding your Card, the use of your Card, and your Card Account.

BY ACCEPTING THIS CARD YOU AGREE TO THESE TERMS:

  1. Definitions:

    Agency. The Federal Government Agency that pays your Benefits.

    ATM. Automatic Teller Machine displaying the Mastercard® logo or Mastercard® ATM Alliance Logo.

    Benefits. The Federal Government payments you receive electronically from the Agency.

    Business Day. Monday through Friday, excluding federal holidays.

    Card. The Direct Express® Debit Mastercard® Card or its card number issued by Comerica Bank that is used to access funds in your Card Account. Access in some cases requires the use of your PIN.

    Card Account. The account held at Comerica Bank to which your Benefits are electronically transmitted by the Agency and which you access by the use of your Card. You are the owner of the funds in the Card Account. The funds are FDIC insured to the maximum amount permitted by law.

    PIN. The Personal Identification Number that you select.

    Transaction. A purchase, cash withdrawal, cash back, cash advance, merchant credit, Benefit deposit or other transaction made with your Card.

  2. Getting Started

    1. A. Activating Your Card & Selecting a PIN

      1. By accepting this Card, you agree to call Customer Service at the number below to select your PIN and activate your Card. See the enclosed Direct Express®  Debit Mastercard®  Card brochure for more information.
      2. Keep your PIN in a safe place. Do not write it on your Card or keep it near your Card.
    2. B. When Your Funds are Available

      1. Once you have activated your Card and selected your PIN and we have received and credited funds from the Agency to the Card Account, you can begin using your Card. These funds are usually available the same Business Day we receive them.
      2. If the Card Account is credited with an amount you are not entitled to receive, the amount may be deducted from the Card Account without prior notice to you. If the incorrect amount is from the Agency and you used those funds, the Agency can reclaim those funds. If we incur a loss as a result of either of these situations, we may recover those funds from you or your estate. (See Section XI, "Adjustments to Your Card Account")
      3. You may not deposit funds to your Card Account. Except for credits from merchants (for returns or adjustments), only the Agency may add funds to the Card Account.
  3. Using your Card

    1. A. General Use of your Card

      1. You can use your Card to pay for merchandise or services from any merchant that accepts Mastercard®  debit cards. You can also use your Card at ATMs that display a Mastercard®  logo. There are no Card fees for many of these Transactions. (See Section X, "Fees")
      2. To use your Card at ATMs or to get cash back when using your Card to make purchases, you must use your PIN. For other transactions, you should select "credit" and you may be asked to sign the sales receipt. Selecting "credit" does not mean that we or the Agency are lending you money.
      3. The amount of each Transaction will be deducted from your available Card Account balance along with any applicable fees (See Section X, "Fees") You should ensure that you have enough available funds in the Card Account to cover the Transaction and prior Transactions. You may not overdraw your Card Account.

        Funds that are subject to a Transaction Hold (see Paragraph B.1 of this Section III "Transaction Holds") or security freeze (see Paragraph 3 of Section V) are not available for other Transactions.

      4. If you make a purchase through a Point of Sale ("POS") terminal, a cash refund or adjustment will not be given to you if you return the merchandise. Instead, the merchant will process a credit transaction, and we will apply the credit to your Card Account balance.
      5. You can instruct us through our automated telephone Funds Transfer service, Mobile App, or Website to transfer funds from your card account to your personal United States bank account. If we cannot authenticate or verify your personal bank account information, we may limit your initial transfer to $200.00 or not allow the transfer to proceed. There is a fee for each transfer (See Section X, “Fees”). Transfers generally take three (3) Business Days.
      6. Instructions to make a telephone transfer or bill payment that are received after our cutoff hour or on a non-Business Day will be considered received as of the next Business Day. Once a transfer or payment instruction has been confirmed by us, you cannot cancel the Transaction.
    2. B. Transaction Holds & Preauthorized Payments

      1. Transaction Holds. For some Card purchases, such as car rentals and hotel accommodations, the merchant may request authorization in advance for an estimated amount. If the authorization is approved, we place a temporary hold ("Transaction Hold") on your funds for the estimated amount of the purchase so that we can ensure that sufficient funds are available when the purchase is completed. Until the Transaction finally settles or we determine that it is unlikely to be processed, the held funds will not be available for other Transactions. Once the preauthorized Transaction finally settles, we will charge your Card for the correct amount of the final transaction and will release any excess amount. If we determine that it is not likely the preauthorized Transaction will be processed, we will release the hold and those funds will be available for your use.
      2. Pre-Authorized Payments. You may use your Card to make regular, pre-authorized payments to merchants by giving your Card Account information to the merchant. If these payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

        You have the right to cancel a pre-authorized payment from your Card Account if you call us at the Customer Service number below, or write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998. We must receive your request at least three (3) Business Days before the payment is scheduled to be made. (Note: If we do not receive your request at least three (3) Business Days before the scheduled payment, we may attempt, at our sole discretion, to stop the payment. However, we assume no responsibility for our failure or refusal to do so, even if we accept your stop payment request). If you call, we may require you to put your request in writing to us and to provide us with a copy of your notice to the payee, revoking the payee's authority to originate debits to your Card Account, within 14 days after you call. If we do not receive the written confirmation within 14 days, we may honor subsequent debits to your Card Account. For individual payments, your request should specify the exact amount (dollars and cents) of the transfer you want to stop, the date of the transfer, and the identity of the payee. Unless you tell us that all future transfers to a specific recipient are to be stopped, we may treat your stop payment order as a request concerning the one transfer only. If you order us to stop one of these payments at least three (3) Business Days before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

  4. Transactions We May Refuse to Process

    A Transaction may not be processed if: (a) the amount of the Transaction exceeds your available balance, (b) the Card has been reported lost or stolen, (c) we are uncertain whether you have authorized the Transaction, or (d) there is a dispute involving your available balance. If you believe you were entitled to receive Benefits in an amount different than what was credited to your Card Account, you should contact the Agency.

  5. Problems Using Your Card

    1. If you experience a problem using your Card at the self-service pump of a gas station, you may have to go inside to pay.
    2. If you have problems using your Card and you believe you have sufficient available funds for the Transaction, call us at the Customer Service number below.
    3. If we notice Transactions that are unusual or suspicious, we may place a temporary security "freeze" on your Card while we attempt to contact you.
  6. Record of Your Transactions, Card Account Balance & Know Your Balance

    You should check your Card Account balance and Transaction history on a regular basis. The information is available to you free of charge through our Customer Service number and at our web site, www.usdirectexpress.com. For a fee, you can also receive written statements each month.

    1. Keep track of your Transactions, including Transaction Holds, so you know your Card Account balance.
    2. When you withdraw cash or make a purchase, you can get a receipt for the Transaction. In some cases, the receipt will indicate your Card Account balance. You also can get information about your Card Account balance and a record of your Transactions by calling the Customer Service number below or by visiting www.usdirectexpress.com.
      [Note: Balance information may not include Transactions or fees that are still in process and have not yet settled. The balance also may include payments subject to a hold (See Section III, Paragraph B "Transaction Holds") or a security freeze (See Section V, Paragraph 3]
    3. From the website, you can select and print transaction history for up to 12 months for tracking the transactions posted to your Card account. The amount of your available funds is also available on the receipt you get when you make a withdrawal or balance inquiry at certain ATMs. You also have the right to obtain at least 24 months of written history of Card Account transactions by calling us at the number on the back of your card or writing us at Account Services, PO Box 245997, San Antonio, Texas 78224-5997. You will not be charged a fee for this information, unless you request it more than once a month.
  7. Card and PIN Security-REPORT LOST OR STOLEN CARD

    You agree not to give or otherwise make your Card or PIN available to others. If you do, you will be responsible for any Transactions they conduct, even if they exceed your authorization. For security reasons you agree not to write your PIN on your Card or keep it in the same place as your Card.

    If you believe your Card or PIN has been lost or stolen or that someone has or may transfer or take money from your Card Account without your permission, report it by calling the Customer Service number below as soon as possible. You can also write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998 or visit our web site at www.usdirectexpress.com. Calling us is the fastest way to report this loss. Once your Card or PIN is reported to us as lost, stolen or destroyed, your Card will be cancelled and you will have no liability for further Transactions involving the use of the canceled Card.

  8. Your Liability for Unauthorized Transactions

    1. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning us at the Customer Service number is the best way of keeping your possible losses down. You could lose all the money in your Card Account. If you tell us within two Business Day, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

      If you can't telephone us, you can write to us at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998. If you are a California resident, you will not be liable for the $500 amount described above in any event. If you are a New York resident, your liability for the unauthorized use of the Card will not exceed $50.

      Also, if the written Transaction history or other Card Transaction information provided to you shows transfers that you did not make, tell us at once. If you do not tell us within 120 days after the transfer allegedly in error was credited or debited to your Card Account, you may not get back any money you lost after the 120 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip, a hospital stay, or the illness of a family member) kept you from notifying us, we will extend the time periods.

    2. Once your Card or PIN is reported lost, stolen or destroyed, the Card will be cancelled, and you will have no liability for further Transactions conducted with the Card.
  9. In Case of Errors or Questions about Your Card Transactions

    1. Call the Customer Service number below or write to us at the address described below as soon as you can if you think an error has occurred in your Card Account. We must hear from you within 120 days after the transfer allegedly in error was credited or debited to your Card Account. You will need to tell us:
      1. Your name and Card number.
      2. Why you believe there is an error, and the dollar amount involved.
      3. The approximate date when the error took place.
      Please provide us with your street address, email address and telephone, as well, so that we can communicate with you.
    2. If the error cannot be resolved over the phone, you must provide us written notice of the error within 10 Business Days at Direct Express®, Payment Processing Services, PO Box 245998, San Antonio, TX 78224-5998.
    3. We will determine whether an error occurred with 10 Business Days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card Account within 10 Business Days (20 business days for new card accounts opened less than 30 days) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your Card Account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.
    4. We will tell you the results of our investigation within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation to make our determination.
    5. If you need more information about the error resolution procedures, call us at the Customer Service number below.
  10. Fees

    We will charge you and you agree to pay the fees and charges described on the List of All Fees included with your Card. See the brochure accompanying your Card for ways to avoid fees. If you believe a fee was charged when it should not have been, call Customer Service at the number below.

  11. Adjustments to Your Card Account

    There are occasions when adjustments will be made to your Card Account balance to: reflect a merchant adjustment; resolve a dispute regarding a Transaction posted to your Card; correct deposits or Transactions posted in error; or because the Agency required the return of the Benefits received after you died or were declared incompetent ("Reclamation"). These adjustments could cause your Card Account to have a negative balance.

    If you do not have sufficient funds in your account to cover a Transaction or fee, the amount owed may be deducted from future credits to your Card Account and/or we may seek reimbursement from you, your estate or beneficiaries.

    Remember, you always have the right to dispute adjustments posted to your Card Account.

  12. Our Liability to You

    If we do not complete an electronic fund transfer (Transaction) to or from your Card Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages. There are some exceptions, however. We will not be liable, for instance, if:

    1. Through no fault of ours, you do not have enough available funds in your Card Account to complete the Transaction;
    2. We believe you may not have authorized the Transaction;
    3. Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or natural disaster) prevents or delays the transfer, despite reasonable precautions taken by us;
    4. The debit card system being used, including but not limited to the ATM or POS terminal was not working properly and you knew about the problem when you started the Transaction;
    5. The Agency did not transmit Benefits for us to credit to your Card Account;
    6. Funds in your Card Account were held as a result of legal process, a Transaction hold or security freeze described in these Terms; or
    7. The Transaction could not be completed because your Card was damaged.
  13. Suspending or Canceling your Card.

    1. We may temporarily suspend or permanently terminate your use of the Card, including electronic access to your Card Account:
      1. immediately if: you breach any of the provisions of these Terms; we are notified to do so by the Agency; we believe that there has been or may be unauthorized use of your funds, Card or PIN; there are conflicting claims to your funds; you have made more than one claim of unauthorized Transactions; we believe your Card is being used for any unlawful purpose; or we believe you are named as a specially designated national by the Office of Foreign Asset Control or presidential order; or
      2. within 30 days after giving you notice of our intent to suspend or terminate your Card.
    2. You may cancel your Card by giving us prior written notice or telephoning us at the Customer Service number below.
    3. Termination of your Card does not relieve you of your responsibility to reimburse us for any amounts owed to us under these Terms even if you cancel the Card.
    4. You should notify the Agency when your Card is permanently canceled to make other arrangements for receiving your Benefits.
  14. LEGAL & GENERAL TERMS

    1. Governing Law. The funds in your Card Account are deemed held in the State of Michigan. Unless a federal law or regulation applies to a specific section of these Terms or use of the Card, these Terms will be governed by and interpreted in accordance with the laws of the State of Michigan. Depending on where you live, you may have additional rights under certain state laws that apply to us and your Card. We will comply with applicable federal and state law.
    2. Limitation on Time to Sue. An action or proceeding by you to enforce an obligation, duty or right arising under these Terms or applicable law with respect to your Card or Card Account must be commenced within 12 months after the cause of action accrues.
    3. Dispute Resolution, Venue, and Waiver of Right to Jury Trial/Judicial Reference. If you have a problem with or related to your Card or Card Account, please call Customer Service at the number below immediately. In most cases, a telephone call will quickly resolve the problem in a friendly, informal manner. If, however, a dispute cannot be resolved informally, you or we may file a court action in the state where you have told us you reside with a court having subject matter jurisdiction.

      Unless the law provides otherwise or the claim is brought before a court in the State of California, you and we both agree to give up the right to a trial by jury to resolve each dispute, claim, demand, court action, and controversy ("claim") between you and us arising out of, or relating to your Card and/or Card Account. This includes, without limitation, claims brought by you as a class representative on behalf of others and claims by a class representative on your behalf as a class member.

      For claims brought in a court in the State of California, you and we agree that such claims shall be resolved by a reference proceeding in accordance with the provisions of Sections 638 et. seq. of the California Code of Civil Procedure ("CCP"), or their successor sections, which both of us agree constitutes the exclusive remedy for the resolution of any dispute, including whether the dispute is subject to the reference proceeding. The referee in the reference proceeding (i) shall hear and determine all issues, including but not limited to discovery disputes, (ii) is empowered to enter equitable and legal relief, rule on any motion otherwise permissible under the CCP, and (iii) may issue a decision disposing of all claims which shall be entered by the court as a final, binding and conclusive judgment, subject to appeal. A judicial reference proceeding is a trial decided by a court-appointed referee and not by a jury.

      You understand that without this jury trial waiver or agreement to submit claims for resolution by a reference proceeding, you may have a right to a jury trial on such matters, but you nevertheless agree voluntarily to waive that right. You acknowledge that you have had the opportunity to discuss this provision with your legal counsel.

    4. Privacy. We and our agents, acting on our behalf, collect nonpublic personal information about you (e.g., your name, address, telephone number, social security number, and date of birth) from the following sources: information we receive from you on applications/enrollments forms for the Card; and information about your Transactions with us or with others, including but not limited to the Agency. We do not release personal nonpublic financial information obtained in connection with this Card program about current or former Cardholders to anyone, except: to process and/or enforce Transactions with us and with others; to facilitate your Card enrollment and Agency payments/adjustments; to provide educational materials and other Card program features; as permitted or required by law, regulation, legal process or court order; to report to local, state and federal authorities if we believe a crime may have been committed involving a Card; or as otherwise requested by you. We restrict access to nonpublic personal information about you to our agents and employees who have a need to know that information in order to process your Card and Transactions. We maintain physical electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
    5. Assignment. You may not assign your rights or obligations in connection with these Terms or your Card to others.
    6. Legal process. We may comply with any subpoena, levy or other legal process which we believe in good faith is valid. Unless the law prohibits us, we may notify you of such process by telephone, electronically or in writing. If we are not fully reimbursed for our record search, photocopying and handling costs by the party that served the process, we may charge those costs to your Card Account. We may honor legal process that is served in any manner at any of our offices, including locations other than where the funds or records sought are held, even if the law requires personal delivery at a different location.

      Note: Certain benefit payments are protected from garnishment by federal and/or state law, which may impose requirements and limitations on legal process. A fee of up to $50.00 may be assessed for the review and processing of estate claims including the distribution of any remaining funds to a deceased cardholder's estate

    7. Change in terms. We may add to, delete or change these Terms at any time by providing you with prior notice as required by law.
    8. Severability/Waiver. If any provision of these Terms is deemed unlawful, void or unenforceable, it will be deemed severed from these Terms and shall not affect the validity and enforceability of the remaining provisions. We may delay enforcing our rights under this Agreement without losing them. Any waiver by you or us will not be deemed a waiver of other rights or the same rights at another time.
    9. Unclaimed Property. Under certain circumstances, we are required by state law to relinquish the balance in accounts in which there has been no activity for a specified amount of time, such as deposits, withdrawals, balance inquiry or any other Customer-initiated contact. The time period for relinquishment, also called escheatment, varies by state. You agree that we are not liable for any loss you may incur due to our good faith compliance with these laws.
    10. Direct Express® Cash Access: This feature will allow you to obtain cash from your Direct Express® card at Walmart Money Services or Walmart Customer Service with no purchase necessary. All you need is your Direct Express® card, a valid photo ID, and PIN. There are restrictions on cash limits that can be received through this option. This optional service is available in the US and Puerto Rico. No additional Walmart fees apply. Additional authorized retailers may be offered in the future.

      The Direct Express® Debit Mastercard® card is issued by Comerica Bank, pursuant to a license by Mastercard International Incorporated. Mastercard® is a registered trademark of Mastercard International Incorporated.

      Customer Service: 1-888-741-1115

      List of all fees for Direct Express® Debit Mastercard® Card
      All FeesAmountDetails
      Get Started
      Card purchase$0.00There is no fee to obtain a Card account.
      Monthly Usage
      Monthly fee$0.00There is no monthly fee associated with this Card account.
      Spend money
      Purchase using your Personal Identification Number (PIN) $0.00There is no fee for each purchase made using your PIN. There is no fee for signature based purchases.
      Get Cash
      ATM withdrawal (in-network)$0.85You are allowed one (1) ATM withdrawal each month per deposit at in-network ATMs. A fee will be assessed for each additional withdrawal. "In-network" refers to the Direct Express®  card surcharge-free ATM network, which offers surcharge-free ATM access at approximately 75,000 ATMs throughout the country including Comerica Bank, Charter One, Privileged Status, Alliance One, PNC Bank, Mastercard®  ATM Alliance, and MoneyPass. Locations can be found at https://locations.comerica.com/, www.citizensbank.com/customer-service/branch-locator.aspx, https://shazam.net/atms/, www.allianceone.coop/a1atm/find, https://apps.pnc.com/locator/#/search, www.mastercard.us/en-us/consumers/get-support/find-nearest-atm.html and www.moneypass.com/atm-locator.html.
      ATM withdrawal (out-of-network)$0.85This is our fee for each out-of-network ATM withdrawal. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
      Teller-assisted cash withdrawals$0.00There is no fee for teller-assisted cash withdrawals.
      Information
      ATM denial$0.00There is no ATM denial fee associated with this account. An ATM denial occurs when a cardholder is not able to access his/her funds from the debit card account, which could occur for a variety of reasons.
      Customer service (automated or live agent)$0.00There is no fee for calling our automated customer service or speaking to a live agent, this includes calls for balance inquiries.
      ATM balance inquiry (in-network or out-of-network)$0.00There is no fee for this service.
      Using your card outside the U.S.
      International ATM withdrawal$3.00 plus 3%This is the fee for an ATM cash withdrawal outside of the U.S., and a surcharge by the ATM owner may apply.
      International Transaction3%This is the fee for purchases at merchant locations outside of the U.S.
      Other
      Card replacement$4.00You are allowed one (1) card replacement for no fee per year after the receipt of your initial card. A fee will be assessed for each additional card replacement request.
      Expedited Card Delivery$13.50If you request your card to be expedited rather than receiving it by regular mail, you will be assessed the expedited card delivery fee for each time.
      Direct Express® Cash Access$0.85The fee is for this optional service per transaction.
      Paper Statements$0.75The fee is for this optional service per month.
      Funds Transfers to U.S. Bank Account$1.50The fee is for this optional service each time.

      Your funds are eligible for FDIC Insurance. Your funds will be held at or transferred to Comerica Bank, an FDIC-insured institution. Once here, your funds are insured up to $250,000 by the FDIC in the event Comerica Bank fails, if specific deposit insurance requirements are met and your card is registered.

      See fdic.gov/deposit/deposits/prepaid.html for details.

      No overdraft/credit feature.

      Contact Direct Express® Customer Service by calling 1-888-741-1115, by mail at PO Box 245998 San Antonio, TX 78224-5998 or visit www.usdirectexpress.com. For general information about prepaid accounts, visit cfpb.gov/prepaid.

      If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Источник: https://www.usdirectexpress.com/

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comerica online bank statement

2 Replies to “Comerica online bank statement”

  1. hi madam, I made a mistake on vidya lakshmi portal(make an error in basic details)actualy iam planning to take education loan for abroad studies,but bank manager told me to register vidyalakshmi portal.how to edit these details.pls help me

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