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Midtown Bank Newsletter
Greetings!
For Business Banking:
Our Cash Management Division consults with small and medium sized businesses to help identify the best solutions to tailor to your needs. Whether you are an existing client that we have not consulted with, or a prospect that would be interested in partnering with Midtown Bank, we would love to have the opportunity to sit down with you. We will take the time to understand your current accounting and transaction flow. If we can make a difference and save you money, it will be our pleasure. If you are currently taking advantage of these products and receiving good service at a fair rate, we'll tell you to stay put. There is no obligation for this consultation service.
Cash Management, or Treasury Management, services are marketing terms that get thrown around rather willy-nilly, so here is the current definition:
It is often used to describe specific services such as cash concentration accounts, zero balance accounts, remote deposit and automated clearing house (or ACH) facilities. Cash management refers to a broad area of finance involving the collection, handling, and usage of cash, or simply managing the various components of a business' cash flow activities. This includes accounts receivable and accounts payable transactions that may occur via any number of methods including wire transfers, check deposits, credit or debit cards, and ACH. We would welcome the opportunity to assist you in handling these transactions efficiently and cost effectively. |
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Send and Receive Money Any Time!
For Personal Banking:
Popmoney is the fast way to send receive, or request money at any time. And because Popmoney is part of Online Bill Pay, sending money has never been more secure or convenient - just login using your existing online password. The money goes directly from your bank account into your payee's account, usually within one business day, regardless of where they bank.
- No checks, stamps or cash to pay someone money you owe them, or to ask someone for payments they owe you.
- No need to wait for checks to be cashed.
- No trips to the bank to deposit money.
- No high fees - it's only 50 cents to send and no cost to receive money.
- Requesting money is cost effective too - only $0.50 to $1.50 to request money.
- See our Schedule of Fees for more information on cost.
- Send eGreetings to make sending and receiving money to friends and family fun.
- Import contacts from popular email services.
- Set up future-dated and recurring payments.
- Track the status of your payment or request.
Click to learn more! |
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Consumer Reports: Sunscreens Not Created Equal
 In its new sunscreen ratings evaluation, Consumer Reports found that paying more for sunscreen doesn't always mean better protection.
"Some of our best products were also the least expensive," says Nicole Sarrubbo, associate editor for Consumer Reports.
Up & Up Sport SPF 50, from Target, got top honors in these latest ratings, and is one of the least expensive products tested.
Some of the pricier sunscreens, in fact, did not live up to the SPF (sun protection factor) value on the label, the testers found. Two sunscreens -- All Terrain AquaSport SPF 30 and Badger Unscented SPF 34 -- were rated poor in protecting against UVB rays.
Top Sunscreens This Year
Consumer Reports regularly rates sunscreens, and this time picked 12 popular products from a variety of stores. They took into account protection from UVA and UVB, how much the product stained clothing, and the cost per ounce.
Six got recommended ratings:
- Target's Up & Up Sport, at the top spot, costs $1.16 an ounce.
- Walmart's Equate Ultra Protection SPF 50, is just 47 cents an ounce. It won the CR Best Buy award of the dozen.
- Coppertone Water Babies SPF 50, at $1.38 an ounce.
- Walgreens Continuous Spray Sport SPF 50, at $1.33 an ounce.
- Hawaiian Tropic Sheer Touch SPF 30, at $1.38 an ounce.
- Coppertone Sport High Performance SPF 30, at $1.67 an ounce.
The six that didn't get recommended ratings include:
- California Baby SPF 30+, at $6.90 an ounce (discontinued, but may still be available).
- No-Ad with Avobenzone, Aloe, and Vitamin E SPF 45, at 63 cents an ounce.
- Neutrogena Wet Skin SPF 45+, at $3.67 an ounce.
- Kiss My Face with Hydresia SPF 40, at $5.33 an ounce.
- Badger Unscented SPF 34, at $5.52 an ounce (discontinued, but may still be available).
- All Terrain AquaSport SPF 30, at $4.33 an ounce.
For more information and to learn more, click here.
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Ask the President
There have been several questions regarding FDIC coverage and your accounts. Please visit the FDIC website or call any one of our Personal Bankers for more information.
Email Your Question |
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