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One VIP. Black Money Matters. – Just like Black Lives Matter, Black Money
Matters too. ONE VIP’s Rewards program is focused on rewarding members for
buying black; keeping black dollars in the black community. Skip to the content
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ONE VIP. BLACK MONEY MATTERS.

Just like Black Lives Matter, Black Money Matters too. ONE VIP’s Rewards program
is focused on rewarding members for buying black; keeping black dollars in the
black community.
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 * ONE VIP HOME
 * Black Money Matters

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Investing Personal Finance Uncategorized


ONE VIP FEATURED ON CARDRATES.COM

 * Post author By Money Matters
 * Post date December 1, 2021
 * No Comments on ONE VIP Featured on Cardrates.com

We are excited to share this article featured on CardRates.com about the ONE VIP
Visa Debit Card.: ONE VIP Visa Debit Card Supports Black-Owned Businesses and
Rewards Spending

Written by: ADAM WEST, Managing Editor

As Managing Editor for CardRates, Adam oversees content and regularly interviews
some of the payments industry’s biggest influencers and decision-makers so our
site can bring high-quality and engaging stories to our audience and keep
readers informed on the latest trends and technology in the space.

About CardRates.com

CardRates.com was created with a singular goal: to better educate consumers
about the benefits and perils of credit cards. To that end, our finance experts
strive to share valuable, well-researched advice, news and reviews with visitors
daily. The world of credit cards can be difficult to navigate, with many
pitfalls and untrustworthy sources everywhere you turn. 



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Categories
Personal Finance Uncategorized


MAXIMIZE REWARDS WITHOUT A CREDIT CARD

 * Post author By Money Matters
 * Post date December 1, 2021
 * No Comments on Maximize Rewards Without a Credit Card

How to Get the Most Cash Back Rewards this Holiday without a Credit Card

The Holiday shopping season is here and Black Friday is knocking on the door. 
This is generally the time of year we spend a lot of money in a short period of
time.  Since you are going to be shopping, it is a great time to maximize with a
rewards program.

There are several types of rewards programs that vary from gift cards to travel
to cash back.  One thing still stands true with any kind of reward, “Cash is
King”. But, the majority of rewards programs are tied to credit cards.  It is
definitely a missed opportunity for shoppers who are spending a lot of money
during the Holidays using cash or some other non-rewards product.

Reasons for not having a Credit Card

There are several reasons shoppers may not use a credit card for Holiday
shopping, but simply not having a credit card is near the top of the list. 
Choosing not to have a credit card and credit worthiness are two of the biggest
contributing factors.  So, how can Holiday shoppers cash in on rewards without
having a credit card?

Earning Rewards without a Credit Card

If credit cards aren’t your thing, but earning rewards is, you are in luck! 
Products, such as the ONE VIP Visa Debit Card, offer a lucrative cash back
rewards program without the hassle and fees of a credit card.  In fact, there
are no hidden fees with the ONE VIP Card, no overdraft fees, and there’s no cost
to get it.

The ONE VIP Card is a digital banking product that is available to anyone over
the age of 18 with a USA address and social security number.  There is no credit
check needed to get this card and you can begin using it as soon as money is
loaded to the card.

ONE VIP Rewards Program at a Glance

ONE VIP Card members earn 1 point for every $2 spent on purchases and double
points for shopping Black Owned Business Partners. These points are unlimited
and can be redeemed for cash back. 

Additionally, ONE VIP members can opt to pay points forward by donating them
to Urban One Community Works (U1CW). U1CW will use the donations to support
selected charities supporting people of color such as The Innocence Project for
criminal justice reform, the National Black Justice Coalition serving LGBTQ/SGL
communities, Howard University, as well as the Tom Joyner Foundation serving the
HBCU students nationwide.

Bottom Line

Your likely spending a lot of money over the next 2 months – take advantage of a
rewards program and earn some of that money back!



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Categories
Personal Finance Uncategorized


GETTING YOUR TAX REFUND FASTER

 * Post author By Money Matters
 * Post date November 18, 2021
 * No Comments on Getting Your Tax Refund Faster

If you are like most people, tax refunds are already on your mind. After the
financial hit we will take during the Holiday, extra money is always on point!
While we have no idea if the IRS will be on time or delayed this year, it’s
never too early to get yourself organized to get your money back quicker. Here
are some tips to help you get your tax refund back as fast as possible.

Organization is your Friend!

Get your information organized! Did you get married? Change your name? Maybe you
moved to another state or had a job change? These are all critical components
where having the information updated and available will help you with a smooth
and straightforward tax return.

Own a Business?

If you own a business, large or small, make sure you record all your
business-related expenses. The more time you spend tracking down what you paid
and where it was spent puts more time between you and that sweet tax refund. If
you run your business from home, make sure you keep a record of all your utility
expenses – they are generally deductible up to 50%, depending on current IRS tax
laws.

Own a Home?

If you own a home, you are required to pay deductible property taxes. Whether
you pay the taxes directly or a mortgage company pays on your behalf, be
familiar with where to find your yearly tax bill so that you can deduct it from
your taxes. If you have a mortgage on your home, know where to see how much
interest you paid in the taxable year. This is also deductible, and having that
information handy when you file your taxes makes the completion process much
more effortless.

Direct Deposit is a MUST

Opt to get your tax refund by direct deposit.  This one effort dramatically
speeds up getting your tax refund.  Otherwise, you will be waiting for a paper
check to arrive in the mail, with the hope it doesn’t get into the wrong hands
before it gets into yours. Direct deposit not only helps you get your refund
faster, but you don’t have to pay anyone to cash your refund check. Check
cashing fees can be pricey, and they are easy to avoid.

Most people who have a checking account will opt to have their tax refund
deposited into that account. 

But, for those who do not have a relationship with a traditional bank, solutions
such as the ONE VIP Visa Debit card provide the same direct deposit benefit as a
conventional checking account. ONE VIP is a digital banking solution that offers
much of the same convenience as a regular bank checking account without hassle,
overdraft fees, and other hidden fees.

Bottom Line

Tax refund time is almost here, and the extra money comes in handy after the
Holidays. 

Get yourself organized and if you don’t have a direct deposit already, check out
ONE VIP. They are black-owned, support Black-owned businesses in the black
community.



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Categories
Uncategorized


HOW TO SAVE MONEY ON CHECK CASHING FEES

 * Post author By Money Matters
 * Post date November 1, 2021
 * No Comments on How to Save Money on Check Cashing Fees

It’s PAYDAY!!! Everyone looks forward to payday, whether it’s from your job,
unemployment, benefits or something else.  While getting money is a great
feeling, having to pay to cash a check is not.  The truth is, there are several
people who receive paper checks on a regular basis and still have to pay a
company to cash that check. 

Why do people have to pay to cash a check?

Most people who pay to have a check cashed do so because they do not have an
account with a financial institution that provides a check cashing service. 
Additionally, some financial institutions may not cash a check if the customer’s
account balance does not equal or exceed the amount of the check being cashed. 

How much do people spend to cash a check?

Having to cash any check at a physical location not only costs money, but it
costs time.  The average fee to cash a check ranges from 1% to 5% of the check
amount and can sometimes be as high as 10%.  That means it could likely cost $10
– $50 to cash a $1000 paycheck not mention the commute and wait time also.

How to avoid paying fees to cash a check

While having a traditional bank account is the easiest way to avoid check
cashing fees, banks are not for everyone. In fact, the African American and
Minority populations face more difficulties with Financial Institutions than
their Caucasian counterparts.  Easy to get and use prepaid debit cards, like the
ONE VIP Visa Debit card are great solutions for avoiding check cashing fees. 

For example, the ONE VIP card has a remote check deposit feature available
through their mobile app.  You can simply snap a photo of the front and back
(must be signed) of the check and use the mobile app to deposit the check onto a
ONE VIP card for free! 

Another way to avoid check cashing fees is to sign up for direct deposit. Many
people think that direct deposit only works with bank accounts.  Wrong.  The ONE
VIP Visa Debit card, for example, is not a bank account but has the same direct
deposit feature.  A member can sign up to have their source of income deposited
directly to their ONE VIP card and never have to worry about waiting for a check
or paying a fee to cash it.

Bottom Line

If you are paying to cash checks on a regular basis, there is a lot of money to
be saved.  Consider a solution, like the ONE VIP Visa Debit card and put more
money back in your pocket.  Click here to get your ONE VIP Visa Debit Card.



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Categories
Personal Finance


EVERYTHING YOU NEED TO KNOW: NEW ONE VIP CARD

 * Post author By Money Matters
 * Post date September 14, 2021
 * No Comments on Everything You Need to Know: New ONE VIP Card

In the reoccurring awakening of the social justice movement and repercussions of
COVID-19 hitting the U.S., Black Americans across the diaspora became more
interested in financial literacy. Whether it was paying closer attention to
their paystubs, stocks, and even the irregular financial aid distributed by the
government, it was evident that Urban One launched their newest endeavor, a
financial service, ONE VIP, at no better time.

ONE VIP is a prepaid Visa debit card accompanied by a loyalty program and mobile
app with the Black and Brown consumer in mind. Cardholders can access their
account information by desktop or ONE VIP’s mobile app. Both platforms allow the
cardholder to view, manage, and track their everyday spending. Cardholders can
also set up direct deposits for their jobs and pensions and transfer funds from
other accounts to their ONE VIP account.

Here are the top five benefits when joining the ONE VIP Digital Banking family.

 1. NO HIDDEN FEES OR CREDIT CHECKS.  ONE VIP does not require a credit check
    for their applicants. Applicants 18 and older can easily apply for a debit
    card. Also, there are zero hidden fees when using the #ONEVIPBLACK card.
    However, there is a monthly fee of $4.95 and usual ATM fees.

 2. LOYALTY PROGRAM. Cardholders can take advantage of #ONEVIPBLACK card
    cashback rewards. For every $1 spent, cardholders can earn up to $2 cashback
    points back by purchasing with select retailers, entertainment
    subscriptions, and Black-owned businesses. 

 3. DIRECT DEPOSIT/TRANSFER FUNDS. Cardholders who have access to their account
    and routing number can easily set up their direct deposit for their job or
    pensions. With the same information, cardholders can transfer funds from
    their primary accounts onto their #ONEVIPBLACK card.

 4. SUPPORT BLACK BUSINESSES/DONATE TO BACK-FOCUSED ORGANIZATIONS. ONE VIP chose
    25 Black-owned businesses where the cardholder can specifically earn their
    cashback rewards. Cardholders can either hold on to their points or donate
    to the Urban One Community Works. U1CW will use the donations to support
    selected charities supporting people of color, such as The Innocence Project
    for criminal justice reform, the National Black Justice Coalition serving
    LGBTQ/SGL communities, Howard University, and the Tom Joyner Foundation
    serving the HBCU students nationwide.

 5. MOBILE APP. #ONEVIPBLACK mobile app allows 24/7 access to your
    money! Cardholder can set up their direct deposit, transfer funds, and make
    online purchases.

As a part of the trusted Urban One legacy brand, ONE VIP aim to create a safe
financial space for Black American. ONE VIP’s goal is to recirculate Black
dollars within the Black community.

Apply today and download the mobile app.

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