Bank Promotions in Florida: March 2023
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View list of best Florida bank promotions. See current active promos and new bonus offers from local Florida banks, credit unions, and national banks.
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Looking to open a new bank account in Florida? Check out these promotions first. Many banks are offering bonuses up to hundreds of dollars when you open a new account.
Here are some of the best bank offers in Florida:
- Citi Priority Account: Earn up to $2,000 Cash Bonus
- Chase Total Checking®: $200 Bonus
- TD Beyond Checking: $300 Cash Bonus
- Addition Financial: Personal Checking Account - $100 Bonus
- Wintrust Bank: Personal Checking and Savings Account - $500 Bonus
- Truist Bank: Personal Checking Account - $400 Bonus
- Tropical Financial Credit Union: Personal Checking Account - $100 Bonus
- BrightStar Credit Union: Personal Checking Account - $100 Bonus
- Community Credit Union Florida: Personal Checking Account - $100 Bonus
- Valley National Bank: Personal Checking Account - $150 Bonus
- MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
- Florida Credit Union: Personal Checking Account - $300 Bonus
- Community First Credit Union: Personal Checking Account - Up to $200 Bonus
- BMO Harris Smart Advantage™ Account: $200 Cash Bonus
- Fifth Third Bank: Personal Checking Account - $275 Bonus
Citi Priority Account - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- Access to more than 16,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
Citi Priority Account - Earn up to $2,000 Cash Bonus
Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.
Balance Levels | Maximum Bonus |
---|---|
$10,000 - $29,999 | $200 |
$30,000 - $74,999 | $500 |
$75,000 - $199,999 | $1,000 |
$200,000 - $299,999 | $1,500 |
$300,000 and above | $2,000 |
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early - exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
Chase Business Complete Banking℠ - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking℠ account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
- Same-day deposits with QuickAccept. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
- Alerts to help you stay on top of your account activity.
- Easy account management through Chase Business Online and the Chase Mobile® app.
- Unlimited electronic deposits, ACH and Chase QuickDeposit℠
- Convenient access to more than 16,000 ATMs and more than 4,700 branches.
Chase Private Client - $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking and access to J.P. Morgan Wealth Management
- Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000
- No ATM fees worldwide.
- No Chase fee on incoming or outgoing wire transfers; can be completed online or over the phone.
- Experience a financial relationship that brings you more.
- Save time and money with better banking benefits and special services.
TD Beyond Checking - $300 Cash Bonus
- Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
- Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more.
- Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
- TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- Get overdraft fees automatically reversed up to two times a year.
- Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
- TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
Citibank Business Checking - Up to $2,000 Bonus
Earn up to $2,000 cash bonus with required activities. Open a new CitiBusiness (Analyzed), Streamlined, or Flexible Checking account. Within 30 calendar days following account opening, make one or more deposits in new-to-Citibank funds to meet the Qualifying Balance. Maintain the required Qualifying Balance for 60 consecutive calendar days after the Qualifying Balance level is met during the initial 30 calendar day funding period.
Qualifying Balance | Bonus |
---|---|
$5,000 | $200 |
$15,000 | $500 |
$25,000 | $700 |
$50,000 | $1,000 |
$100,000 | $1,500 |
$200,000 | $2,000 |
Rewards Checking - Up to 3.30% APY
- Use the promo code RC100 when you apply for a Rewards Checking account by 4/12/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
- Up to 3.30% APY
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
- Only $50 to open an account
Albert Cash - $150 Bonus
To be eligible for bonus, receive a qualifying direct deposit of at least $500 within 45 days of sign up and every 30 days for 90 consecutive days. Spend at least $200 on qualifying goods and services with your Albert debit card every 30 days during the same 90-day period. All criteria must be fulfilled within 150 days of joining Albert. Terms apply. See app for details.
Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank, Axos Bank, and Wells Fargo, N.A.
Small Business Checking - $150 Cash Bonus
- Earn $150 when you open a Live Oak small business checking account between 2/15/2023 and 3/31/2023.
- Deposit at least $2,000 into your business checking account within 90 days of opening.
- Make at least 20 qualified transactions within 90 days of opening your account.
- Must be a first-time Live Oak small business checking customer to be eligible for this offer. See full terms and conditions
California Bank Promotions
These promotions are from smaller regional banks and credit unions. Regional banks often offer more competitive interest rates and fewer fees. If you're considering an offer, make sure you have access to branches and ATMs.
TD Convenience Checking℠ - $200 Cash Bonus
- Earn $200 when you receive direct deposits totaling $500 or more within 60 days
- Low minimum daily balance of $100 waives the $15 monthly fee.
- Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
- Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you
- Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
- TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
- Get a 0.25% discount on TD Bank Home Equity and Personal Loans.
BMO Harris Bank: Business Checking Account - $250 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account. Maintain an Average Collected Balance of $5,000 for 120 days. Complete 10 qualifying electronic transactions within 120 days of account opening.
BMO Harris Bank: Business Checking Account - $400 Bonus
Open a new BMO Digital Business Checking, BMO Simple Business Checking, BMO Premium Business Checking, or BMO Elite Business Checking account. Maintain an Average Collected Balance of $10,000 for 120 days. Complete 10 qualifying electronic transactions within 120 days of account opening.
PNC Bank: Business Checking Account - $200 Bonus
Open a new PNC Business Checking or PNC Business Checking Plus account. Maintain an average cycle balance of $5,000 in your new checking account for each of the first three statement cycles. Make at least 20 qualifying PNC Bank Visa Debit card transactions within the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $200 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
PNC Bank: Business Checking Account - $500 Bonus
Open a new PNC Treasury Enterprise Plan or Analysis Business Checking account. Maintain an average cycle balance of $30,000 in your new checking account for each of the first three statement cycles.
This offer is only available to businesses with an annual revenue of less than $5 million. All existing business checking customers, including those who have closed an account in the past 90 days or has been paid a promotional premium in the past 12 months are not eligible for this offer. $500 bonus will be credited to your new business checking account within 90 days after all conditions have been met.
Addition Financial: Personal Checking Account - $100 Bonus
Open a new qualifying checking account. Maintain account for at least 90 days. Credit union membership requirements apply.
Wintrust Bank: Personal Checking and Savings Account - $500 Bonus
Open a new Total Access Checking account. Have monthly occurring direct deposits totaling $500 or more each month made to your new account for 2 consecutive calendar months after the calendar month your new account was opened. Enroll in eStatements and Online Banking. Open a new Statement Savings account. Deposit $15,000 or more of new money, and maintain a minimum balance of at least $15,000 on the last business day of each of the 3 consecutive calendar months following the calendar month your new account is opened.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account. Use promo code CHK23TR1 at account opening. Complete at least 2 qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
Truist Bank: Business Checking Account - $200 Bonus
Open a new Simple Business Checking or Dynamic Business Checking account. Use promo code SB22NEW2BIZ1 at account opening. Make cumulative qualifying deposits of $1,500 or more into your new account. Enroll and sign in to Truist Online Banking for Business.
Truist Bank: Personal Checking Account - $400 Bonus
Open a new Truist One Checking account. Use promo code CHKQ123TRUIST1 at account opening. Complete at least 2 qualifying direct deposits totaling $1,000 or more within 90 days of account opening.
BrightStar Credit Union: Business Checking Account - $100 Bonus
Open a new Business Checking Account. Enroll in e-Statements, and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. New membership and new checking account must be established at the same time.
Community First Credit Union: Business Checking Account - $100 Bonus
Open a new Premier Business Checking account and earn $100 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Community First Credit Union: Business Checking Account - $200 Bonus
Open a new Connections Business Checking account and earn $200 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
Community First Credit Union: Business Checking Account - $50 Bonus
Open a new Classic Business Checking account and earn $50 bonus. New members must open a share account with a minimum $5 initial deposit (share account is required for membership).
MIDFLORIDA Credit Union: Business Checking Account - Up to $500 Bonus
Earn $300 when you open a new Free Business Checking account. Enroll in online banking, eStatement, eNotice, and debit card. Make deposits totaling at least $5,000 in a calendar month for 2 of the first 6 months of account opening. Complete 5 qualifying transactions within 45 days of account opening. Earn an additional $200 when you open a Free Checking account, and have a cumulative of $500 in direct deposit which post within 45 days of account opening. Must also enroll in online banking, eStatement, eNotice, and debit card.
Business must establish $5 membership accounts, and must open a Business Savings account to qualify for bonus.
Tropical Financial Credit Union: Personal Checking Account - $100 Bonus
This offer is exclusive to employees of School Board of Broward County. Open a new qualifying checking account within 90 days of opening a new membership. Have a monthly direct deposit of at least $500 into either savings or checking account for at least 3 months. Checking account must remain open and in good standing for 3 months. The first $25 of your bonus will be deposited to your checking account upon account opening but will not be available to withdraw for 100 days. The remaining $75 of your bonus will be credited to your checking account by the 5th of the month following three months of checking account opening.
BrightStar Credit Union: Personal Checking Account - $100 Bonus
Open a new Free Checking Account. Enroll in e-Statements and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. An active checking account is defined as a minimum of 4 transactions per 30 day period. New membership and new checking account must be established at the same time.
Community Credit Union Florida: Personal Checking Account - $100 Bonus
Open select CCU Debit/Checking account using promo code MK-100. To qualify for $100 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Tropical Financial Credit Union: Personal Checking Account - $100 Bonus
This offer is exclusive to customers who reside or work in Miami-Dade, Broward, Palm Beach, St. Lucie, Martin, Hendry, Collier, Lee and Sarasota counties. Open a new qualifying checking account within 90 days of opening a new membership. Have a monthly direct deposit of at least $500 into either savings or checking account for at least 3 months. Checking account must remain open and in good standing for 3 months. The first $25 of your bonus will be deposited to your checking account upon account opening but will not be available to withdraw for 100 days. The remaining $75 of your bonus will be credited to your checking account by the 5th of the month following three months of checking account opening.
BrightStar Credit Union: Personal Checking Account - $100 Bonus
Open a new Free Checking Account. Enroll in e-Statements and complete at least 4 transactions per month for 7 months. Account must remain active for the entire 7 months. An active checking account is defined as a minimum of 4 transactions per 30 day period. New membership and new checking account must be established at the same time.
Community Credit Union Florida: Personal Checking Account - $125 Bonus
This offer is available to school employees only. Open a new qualifying checking account using promo code MK-125. To qualify for $125 bonus, you must do the following within 60 days of account opening: sign up for eStatements, use your new debit card 20 times to make purchases or payments in any amount, and download the CCU Mobile App and use it at least once.
Valley National Bank: Personal Checking Account - $150 Bonus
Open a new Valley My Choice Checking account with minimum opening deposit of $25. Receive $75 for activating Mobile Banking. Receive $75 for either completing a minimum of 20 debit card transactions of at least $5 OR for enrolling in online banking and completing three online bill payment transactions. Activities must be completed within 60 days of account opening to receive bonuses. Account must be enrolled in paperless statements with in the first 60 days of account opening.
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking or Relationship Checking account. Set up a cumulative of $500 in direct deposit which must post within 45 days of account opening. Enroll in online banking, online bill payment, eStatement, eNotice, and debit card. A $5 deposit is required for membership with MIDFLORIDA.
MIDFLORIDA Credit Union: Personal Checking Account - $200 Bonus
Open a new Free Checking account. Set up a cumulative of $500 in direct deposit which must post within 45 days of account opening. Enroll in online banking, online bill payment, eStatement, eNotice, and debit card. A $5 deposit is required for membership with MIDFLORIDA.
Florida Credit Union: Personal Checking Account - $300 Bonus
Open a free personal full-service checking account. Use promo code 22CHK300. Make cumulative qualifying direct deposits of $500 or more within 60 days of account opening. Keep account open and in good standing for at least 90 days.
Community First Credit Union: Personal Checking Account - Up to $200 Bonus
Open a new Bonus Debit or Advantage Checking account using promo code CHK2021. Earn $25 upon opening a checking account and enrolling in the Save My Change Program. Earn $125 for establishing a cumulative direct deposit of at least $1,000 within first 90 days of account opening. Earn $25 for every friend you refer that opens a Bonus Debit or Advantage Checking account (limited to 5 referrals annually).
Valley National Bank: Personal Checking Account - Up to $240 Bonus
Open a new Valley All Access Rewards Checking account with minimum opening deposit of $100. Receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month.
BMO Harris Smart Advantage™ Account - $200 Cash Bonus
Open a new BMO Harris Smart Advantage™ Account online and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Smart Money™ Account - $200 Cash Bonus
Open a new BMO Harris Smart Money™ Account online and get a $200 cash bonus when you have a total of at least $4,000 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
BMO Harris Premier™ Account - $350 Cash Bonus
Open a new BMO Harris Premier™ Account and get a $350 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Offer is limited to one per customer and is not available for existing BMO Harris personal checking customers (including signers on joint accounts) or those who have closed a BMO Harris personal checking account within the past 12 months. Conditions apply.
Fifth Third Bank: Personal Checking Account - $275 Bonus
Open an eligible Fifth Third Checking account. Have direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Nationwide Bank Promotions
These offers from national banks are available to Floridians. National banks" offer more convenience with branches and ATMs throughout the country, but they usually have higher fees or more requirements.
Axos Bank: Basic Business Checking - $200 Bonus
- New business owners get a $200 welcome bonus!
- Zero monthly maintenance fees
- Unlimited Transactions
- Unlimited domestic ATM fee reimbursements
- $0 Minimum Opening Deposit requirement
- 2 Free Domestic Wires, monthly
- Cash Deposit capability via MoneyPass and AllPoint networks
Axos Bank: Business Interest Checking - 1.01% APY
- New business owners get a $200 welcome bonus!
- Earn up to 1.01% APY*
- $100 minimum opening deposit
- Pay no monthly maintenance fee with an average daily balance of at least $5,000
- Unlimited domestic ATM fee reimbursements
- Up to 100 free items per month, $0.50 per item thereafter (includes debits, credit, and deposited items)
- Up to 60 items per month for Remote Deposit Anywhere (includes monthly per item processing limitation)
Bank of America Advantage Plus Banking® - $100 Bonus Offer
Open a new Bank of America Advantage Banking account. Use offer code DMF100CIS when opening the checking account. To qualify, open a personal checking account through the promotional page and set up and receive qualifying direct deposits totaling $1000 or more into that new account within 90 days of opening. Bank of America will attempt to pay bonus within 60 days.
The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page. The offer is for new checking customers only. Additional terms and conditions apply. See offer page for more details. Member FDIC
Bank of America Advantage Relationship Banking® - $100 Bonus Offer
Open a new Bank of America Advantage Banking account. Use offer code DMF100CIS when opening the checking account. To qualify, open a personal checking account through the promotional page and set up and receive qualifying direct deposits totaling $1000 or more into that new account within 90 days of opening. Bank of America will attempt to pay bonus within 60 days.
The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page. The offer is for new checking customers only. Additional terms and conditions apply. See offer page for more details. Member FDIC
Bank of America Advantage SafeBalance Banking® - $100 Bonus Offer
Open a new Bank of America Advantage Banking account. Use offer code DMF100CIS when opening the checking account. To qualify, open a personal checking account through the promotional page and set up and receive qualifying direct deposits totaling $1000 or more into that new account within 90 days of opening. Bank of America will attempt to pay bonus within 60 days.
The $100 bonus offer is an online only offer and must be opened through the Bank of America promotional page. The offer is for new checking customers only. Additional terms and conditions apply. See offer page for more details. Member FDIC
Upgrade: OneCard with Rewards Checking - $400 Bonus
- 3% cash back on everyday expenses (up to $500 in rewards per calendar year); 2% on everything else
- No annual fee, no late fees, no foreign transaction fee
- Choose to Pay Now with no interest, or Pay Later
- $400 bonus when you also open a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days
Bank of America: Business Checking Account - $200 Bonus
- Open a new business checking account by June 30, 2023
- Make Qualifying Deposits of $5,000 or more in new money* within 30 days of opening the new business checking account
- Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Wells Fargo: Personal Checking Account - $300 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). $300 bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Wells Fargo: Personal Checking Account - $325 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
Wells Fargo: Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade.
What the Experts Say
As part of our series on banking and saving, CreditDonkey asked a panel of industry experts to answer readers' most pressing questions. Here's what they said:
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