Dedicated to Deposits: Deals, Data, and Discussion

The New DepositAccounts.com Discussion Forum

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I'm excited to report that we've launched a discussion forum at DepositAccounts.com. This will replace the Open Discussion Thread. I think you'll find this new forum has many benefits over the Open Discussion Thread. Please note there are many forum details that I present in this post. It may be a tad overwhelming. Feel free to jump in and give the new forum a try. I think once you give it a try, this post will be less overwhelming.

The new forum was designed from scratch to focus on the reporting and discussing of bank deals. Many of its features will make it much easier to find and report on deals. This forum should be considered version one. In addition to fixing any minor issues that arise, we'll continue to add features and make enhancements. Our goal is to make this the most useful forum on the web for all things related to deposit accounts.

Please note that all of the old posts from both the Notices section and the Open Discussion Thread were used to seed the forum. Some of the old posts may lack useful titles. Also, some of the old posts may not have been placed in the most appropriate subforum. So please keep that in mind as you review the forum. Things should improve as new posts are published.

Forum Is Also Replacing the Notices Section

In addition to replacing the Open Discussion Thread, the forum is also replacing the Notices Section. We're trying to consolidate the content at DepositAccounts.com to make it easier on the readers by providing fewer places to check. However, I'll continue to write Notice-like posts, but they will now go on the forum. My forum posts will be marked with a featured tag, and all the latest featured posts will be shown in the Featured Posts page. The link to this is at the top of the main forum. In addition to my posts, I or any moderator can give the featured status to anyone's post. So instead of me repeating a rate change or a deal, I'll just give a reader's post a featured status, and that post will show up along side my posts in the Featured Posts page.

Blog Will Continue Without Change

The blog will continue without change. I plan to highlight and expand on the the best deals and the most significant bank news stories that are posted on the forum.

Reviewing the Latest Posts

There was some concern that with so many sections in the forum that it might be difficult to keep track of all the latest posts. To make this easier, we included the Latest Posts page which is similar to the Featured Posts page, but this page will show all of the latest posts regardless if they're marked as a featured post. The link to this Latest Posts Page is along side the Featured Posts link at the top of the main forum.

Also next to the Featured and Latest Posts links is the Advanced Search link. Many search features are provided to help you find the right forum posts.

The Advanced Search, Featured Posts and Latest Posts pages all share the capability to display posts in two ways: 1) Threads view in which only the titles of the threads are shown, and 2) Posts view in which both the title and the content of the first post of the thread are shown. This Posts view is intended to mimic the Notices setup and minimize the clicking that may be necessary if thread titles are not too informative.

Finding Bank Deals

We have subforums specifically designed to make it easy to report and view bank deals and rate changes. Since most deals are not nationwide, we've reused the "Filter Account" feature that's in the rate tables. This will allow you to show only those deals that are applicable to you (either nationally available or available in your state). Just select the "Filter Account" button at the top of the subforums.

Reporting a Bank Deal

To report a deal, select the New Thread button at the top of the appropriate subforum (CDs, reward checking, etc.) You will first be provided a box to enter the URL of the webpage that shows the deal. This will typically be at the bank's website. Just copy and paste it into the box. Our software will use this URL to find the bank or credit union that you are referencing. We now have all the U.S. banks and credit unions in our database. With the URL that you provide, the forum software will be able to link the thread to our hub page for that bank. Each hub page includes financial info for the institution. Also, many include rate tables and links to related blog and forum posts.

If you don't know the bank's URL, just leave the box blank and select continue. The next page will help you select the right bank or credit union.

Another advantage of this URL linking is that we can pre-select the deal availability. If our database indicates that the bank's products are only available in certain states, those states will be automatically selected for you. However, if the deal is only available at your branch, you are free to unselect the other states.

Another forum feature that is intended to enhance deal reporting is the Quick Summary box located below the first post of a thread. This functions like a Wiki to allow anyone to highlight an important note or summary about the deal. This can be especially helpful for threads with many posts.

Please try to use this forum to post deals. You can still email me if you don't feel comfortable with posting to the forum. Posting deals to the forum will allow other readers to view them instantly rather than waiting for a blog post. This will also give me more time to blog and to search for new deals.

Submitting a Bank Review

In addition to reporting on bank deals, we also have the "Reviews and Commentary" forum where you can share your experiences about a bank or credit union. In addition to sharing your experiences, you can also give the bank a star rating. A 1-star rating means you had lots of problems with the bank. A 5-star rating means you love the bank.

Other Special Features

We have several advanced forum features that are common to many of the major forums on the web.

One useful feature is email notification. For each thread you can select if you want to be notified when another person adds a post to the thread.

If you want to discuss an issue in private with another user, you can use private messaging (PM).

You can vote a thread or post up or down. This is especially important if you come across any spam posts. Just give it a thumbs down. Moderators will review posts that get too many thumbs down as potential spam posts.

Summary

Hopefully, this new forum and all its new features won't be overwhelming to you. It is more complicated than the Open Discussions Thread. If you have questions, concerns or suggestions, please post them in the Site Feedback forum. The link to this is at the bottom of the main forum page. As I mentioned above, you should consider this forum version one. Many new versions will likely follow. In addition to the fixes and enhancements that incorporate user feedback, we also plan to make enhancements that include more advanced forum features and tighter integration with other parts of DepositAccounts.com.

I'm confident that all of these new features will help us work together more effectively to find and understand the bank deals and issues. The Bank Deals community has greatly contributed to the blog over the last several years, and with your help I look forward to growing our community to make DepositAccounts.com the best resource on the web for everything related to deposit accounts.



Related Posts

Comments
Comment #1 by Anonymous posted on
Anonymous
"A 5-star rating means you had lots of problems with the bank. A 5-star rating means you love the bank."

I think you need to modify this section.

5
Comment #2 by Anonymous posted on
Anonymous
How to post a new  deal or new item on the forum?

It lets me post replies only.

4
Comment #3 by KenBDG posted on
KenBDG
@anon #1, thanks for catching that typo. It's now fixed.

@anon #2, thanks for alerting us to this problem. One thing I forgot to mention is that you have to be logged in to submit a new thread. That's why the new thread button may not be showing for you.

2
Comment #4 by Mike posted on
Mike
Wow!  Great work, Ken.  The search capabilities are a great improvement.  I like that one must be logged in to post.  My only thought for an improvement, would be to require logging in even to comment, or even give a thumbs up/down on a comment.  That, I think, would allow you to find and eliminate "spam" posters/commenters/voters.  They could be warned by you, then disallowed to "spam" for a time, before being re-allowed to post/comment/vote.  

Thanks for all your great effort. 

6
Comment #5 by 51hh posted on
51hh
Thanks much, Ken et. al.

It's great to establish such a forum.  The pros are for constructive information exchange and focused up-to-date knowledge.  The con is some loss of objectivity; i.e., people tend to get personal sometimes with such open forums (e.g., FWF). 

Thanks again!!

0
Comment #6 by bob52 posted on
bob52
RE: "There was some concern that with so many sections in the forum that it might be difficult to keep track of all the latest posts. To make this easier, we included the Latest Posts page ..."

In the new Latest Posts page, I would like to see the narrative of each comment without the need to click on each item.

3
Comment #7 by KenBDG posted on
KenBDG
@bob52 About the Latest Posts page, if you select the "Show results as Posts", it will show the content of the first post of the thread rather than just the title. This should help reduce the need to click on each item.

2
Comment #8 by 51hh posted on
51hh
Hi Ken,

The scoring/rating system has some problems:

1. Often, one can't rate a post at all, staying at the original score.

2. Often, a positve rating becomes a negative one, and sometimes even a minus two.

3. It appears random at best. 

4. One can rate oneself, which should not be the case.

0
Comment #9 by KenBDG posted on
KenBDG
@51hh, thanks for catching this issue. My technical partner looked into it, and it seems to apply only to the imported posts. You should not see this on any new posts. Nevertheless, he made some tweaks to the database, and this should be fixed for the imported posts. Please let us know if you still see problems.

1
Comment #10 by Anonymous posted on
Anonymous
Does this mean that the posted comments in the Open Discussion Thread and Bank notices were moved over to the forums?  It may require a bit of searching to recall my previous posts.

The website is beginning to take on the forms of other blog and forum discussion websites that I have come across.  Maybe it's just me, but it seems that the number of places to search seems to be expanding rather than contracting.  As the saying goes, the times they are a changing.....

3
Comment #12 by Shorebreak (anonymous) posted on
Shorebreak
What started out as a nice simple web site and blog spot has now morphed into a complicated techno-mess. Sorry, I'm out out of here and will seek another web site for info on the best rates for savers. Sorry Bank Guy but that's the way it is.

2
Comment #14 by Across the pond hay shore break dont go away mad (anonymous) posted on
Across the pond  hay shore break dont go away mad
keep up the god weork ken u r the best

-1
Comment #15 by Decades (anonymous) posted on
Decades
this website sucks **** so bad now .Used to be able to get fast accurate info , now its a confusing mess.

1
Comment #16 by Anonymous posted on
Anonymous
Sorry Ken, these changes are clearly a mistake.  Your simple blog is now confusing and nigh useless.

Everything is one step forward and two steps back now.  I'll be moving on, too.

0
Comment #17 by Anonymous posted on
Anonymous
I believe the East Cambridge Savings Bank "Connection Checking" account yielding 2.0% is a Rewards Checking account.  They told me I had to do 10 debit transactions to qualify.

1
Comment #20 by Anonymous posted on
Anonymous
12 and 16 cya

1
Comment #21 by Ricochet posted on
Ricochet
Ken is there any way to block posts from certain members?? Im really getting sick of the copy and paste posts from other sites. If I want to know about other countries problems, politics, and wether I can retire or what housing ect.. is doing I can find it myself.

Although it may thin out recent posts column

 

1
Comment #22 by Anonymous posted on
Anonymous
JP Morgan chase just introduced a new beta screen for on line banking. The only problem is the font is large, but the numbers showing your balance are small. Are they hopping that you won't notice and generate a fee ? What's up with the new chase beta screen. You can't switch back to the old view. I'm not that old, that I need glasses. Tell chase what you think.

1
Comment #23 by KenBDG posted on
KenBDG
Anon #22, I posted your message in this forum thread for Chase Bank. That will allow it to get more exposure.

1
Comment #25 by Rosedala (anonymous) posted on
Rosedala
I'm sorry that a few people posting here are so crude as to not appreciate the enormously hard work Ken is putting into this website!  I hope they'll go away...God knows we have plenty of spam as it is.

I just wanted to present an alternative for others to look into, considering the extremely bad bank/credit union situation.  It's annuities and they could serve as a bridge for when our situation gets better?:

http://www.annuityadvantage.com/march12_special.htm

Good luck to us!   :)     Rosedala

 

 

2
Comment #26 by lou posted on
lou
Rosedala, have you purchased these deferred annuities? It is an interesting concept, particularly if you are fortunate enough to have a long lifespan. You really have to trust that the insurance company will be there in 5 or 10 years when it is time for the policy to pay out.

2
Comment #29 by Anonymous posted on
Anonymous
http://signon.org/sign/the-feds-zero-percent

Time is running out!  

Signatures are needed to move our Petition for Fair Interest Rates on Our Savings along to MoveOn.org where it can receive more exposure and a much better opportunity of being delivered to President Obama.

Please, please click the link above and add your name.
Then, please forward this email to everyone you know, and ask them to click the link at the top of this email, add their names to the petition and forward this email as well. 

All of us deserve fair interest rates on our savings.  Time is running out and we're almost there!

1
Comment #30 by Anonymous posted on
Anonymous
BIU

 

 

Looks like Navy Fcu has cut their rates---

Max 7 yr rate now 2.65%, etc.

1
Comment #32 by kcfield posted on
kcfield
USAA still has wonderful customer service, but no longer has competitive long term CD and saving rates, especially in comparison to other military affiliated institutions like Pen Fed, and institutions local to them like SACU. While I cannot post individual senior management email addresses, as per the policy of this site, their general senior management contact email, for those USAA members who want to express their concern and recommendations is EXECUTIVECOMMUNICATIONS@usaa.com  

1
Comment #34 by Anonymous posted on
Anonymous
I didn't know where to post this. I usually use google to get to this site. I enter bank BlogSpot and have always (including this morning) gotten this site as the first result. Tonight when I entered that phrase the site wasn't even listed on the first page of results.

1
Comment #35 by ricsue posted on
ricsue
Just received a notice from CIT, they raised rates on CD's to celebrate tax day

1