Ascencia bank is the new leader in short term CDs for online banks and offers the best CD rates. This internet bank opened in February 1999 and has its base in Louisville, Kentucky. It is proud of earning the recognition as one of the leading online banks in the industry. Their personal banking is most popular with the various features of their checking account, CD, money market account, savings account, as well as online bill payment and online trading.

The checking account has no monthly fees or minimum balance requirements and provides ATM access with unlimited online bill payments. Free transfers are not only allowed to the other Ascencia accounts either online or with telephone banking, but also from other banks to Ascencia accounts, and all this for free. Banking cannot get any easier.

Ascencia Bank’s strength lies in its FDIC insured Certificates of Deposit (CDs). The minimum required deposit for the CDs is extremely low at $500. This bank has the distinction of winning an award for offering the best CD rates that beat the national average. This surely is a feather in its cap that instills confidence and an elevated level of comfort in its customers. There are several maturities to choose from.

All these advantages from the comfort of the home, with the only limitation being that the money cannot be withdrawn within the first 90 days of opening the account, which is reasonable enough. Opening as well as renewing CD accounts can be done online by just mailing in the appropriate application forms along with the deposit.

Speaking of Ascencia money market accounts, with just $1000, the account can be opened with no hassle and money can be transferred electronically with no charge applicable. The money market rates are competitive and the low minimum balance feature is a boon to many. The money market account allows up to 6 withdrawals a month and interest starts to accrue immediately upon submitting the signed application along with the required documentation. As with all their other accounts, these accounts with the best money market rates come with the security of FDIC insurance.

Ultimately, it all boils down to saving and adding up by growing the savings. Saving with Ascencia Bank begin with the low initial deposit of $50 and extends even to saving on traveling expenses, with the benefit of accessing the account online round the clock.

Ascencia Bank understands the value of money and even $1 is not too low an amount to fetch interest. A simple click and the amount can be transferred from the Ascencia savings account.

Paying unlimited bills from the comfort of the home to any location within the United States, with the ability to choose between single payments, future dated payments for as far as 90 days, and recurring payments such as mortgage is possible. Any amount of money to any person can be paid with ease, alleviating the pain of buying and licking stamps to stick on envelopes or standing in queues.

Their online banking allows viewing of all pending payments or past payments made at any time. There are a few reasonable restrictions, such as the payments cannot be remitted to any government agency, investment company, or courts. This surely cannot be a hindrance with the extreme convenience otherwise associated with this bank.

Trading bonds, stocks, and mutual funds can be done inexpensively over the world wide net at any time of the day with UVEST Investment Services. All major exchanges are included as well as the most important market research facility. The account access feature allows access to market value and current account activity.

All the above facilities and features of personal banking are available for business banking. All business goals can be met with the best money market rates and best CD rates in the United States. Apart from business checking accounts, they also have corporate lending facility, for purchasing any business one wishes to, for construction, as well as refinancing of all types of investment and commercial properties throughout Indiana, Ohio, and Indiana, with fixed and variable rates of interest on loans ranging anywhere upward from $100000.

With so many facilities being provided to the customers, it is no wonder that Ascencia Bank has created a name for itself as being a most wonderful user-friendly bank with the customer service of par excellence. For a safe, easy, timely, and friendly banking experience, Ascencia Bank stands alone at the top.