Small Steps To Bigger Savings

• The Small Step to Bigger Savings service is the online home of the state of Michigan’s 401(k) plans and 457 retirement plans
• Any new hire or rehire can enroll in the State of Michigan’s 401(k) Plan or the State of Michigan’s 457 retirement plan
• Operated by the state of Michigan
• Initial enrollment in a Michigan online retirement account may be done without setting up a password, but a password will be needed for future access to the account

People who have retirement accounts can log on to manage a state of Michigan retirement plan online, including viewing their current balance, seeing recent trends, changing the address on their account, and other important management tools. To sign up for a Michigan retirement plan account online for the first time, employees will just need to enter their Social Security Number (not their name or any other personal information). For workers who are not familiar with plans, Michigan offers retirement plan seminars several times a year to current employees or retirees learn more about the plans that are available. Registration for these seminars is required. People who need retirement advice specific to their Michigan retirement account and their needs can actually log on to set up a one on one appointment to speak with someone that can offer specific recommendations to their scenario.

How to sign up for a State of Michigan retirement plan online
Eligible employees can participate in Michigan’s state worker 401(k) and 457 plan as soon as they begin work with a participating agency. When an employee signs up for Michigan retirement online for the first time, they will receive enrollment details about their potential contributions and investment choices, fees for the plan, and info about historic investment performance.

To contact the Michigan Office of Retirement Services

• Office of Retirement Services, PO Box 30171, Lansing, MI 48909-7671
• Call 1-800-748-6128

Primary references

1. www.smallstepstobiggersavings.com

Bank with Fidelity

• The Bank With Fidelity Service features online account management of any Fidelity Bank account from any device, including desktop, laptop, mobile device, or tablet
• For online Fidelity Banking, customers will need to log in with their user name or password. Members who don’t yet have an online account with Fidelity will be given the chance to create one
• Both Fidelity Personal accounts and Fidelity Business accounts can access their accounts online through the Bank With Fidelity service

To enroll in Fidelity Banking online, customers will need to enter their name and address, plus their drivers license information, and choose whether they want to enroll in Fidelity’s free Bill Pay system. The Bank With Fidelity online system offers a “Compare Our Accounts” tool where customers can look at every available Fidelity account and compare the features of each (like some accounts that focus on ease of use, where some focus on earning the customer the highest amount of interest each month). Bank With Fidelity can even be used to open up a new Fidelity Bank account (like Fidelity Premier Checking, On The Geaux Checking, Fidelity Easy Checking, Fidelity Student Checking, Prime Senior Checking, and a Fidelity Christmas Club account). Fidelity Premier is the bank’s highest level of checking account, and comes with perks like 5 free money orders every single month, unlimited transactions at foreign ATMs, and ID theft protection.

More Things to Know About Fidelity Bank

Fidelity Bank was founded in December of 1908 in Louisiana, and was originally known as Fidelity Homestead Association (or, a bank that primarily served to give area residents a safe place to keep their money money and to help them get funds for housing). The bank is owned by Fidelity Southern Corporation, who currently has 45 branches across the United States.

To contact Fidelity About Online Banking

• 1-800-220-2497
• 201 St. Charles Avenue Suite 2710 New Orleans, Louisiana 70170

Primary References

1. www.bankwithfidelity.com

Pay ARB

• The Pay Arb site is an online portal that lets customers easily make a payment to an account owned by Arcadia Recovery Bureau Payment
• Pay Arb is considered a debt collector, so any communication that customers make on this web site is an attempt to collect a past due debt
• Debt payments made on a past due debt handled by Arcadia are only accepted online via Visa, MasterCard, of American Express cards

To make a payment online, customers will need to have their Arcadia Recovery account number (which must start with either an “01” or an “08”). Without the proper Arcadia account number, a payment may not be applied to the right customer, so ARB recommends not making a payment at all until the customer knows the account number for sure. If an ARB customer doesn’t have their account number, they can call an Arcadia representative to get that information. Information about Arcadia debt account numbers can’t be looked up online due to federal debt collection and financial privacy laws.

Pay ARB Comments

• Attempting to pay without the right ARB account number could result in a delay in the payment being applied, which could easily mean late charges are added to the account
• Making a payment should take less than 2 minutes
• Any major credit card is accepted (Visa, MasterCard, AMEX)

How long does it take for payment to be applied to an Arcadia Debt account?

• In some instances, Arcadia will agree to settle a debt for less than the owed amount

To contact Arcadia Recovery Bureau

• Arcadia Recovery Bureau, P.O. Box 6768, Wyomissing, PA 19610-0786
• (800) 364-0735

When payments to Arcadia are made online, they will be applied to that account by the end of the business day, but calls or other communications about that debt may continue for up to 48 hours while systems update.

Primary References

1. www.payarb.com

Loaded Debit Card

• With the Loaded Debit Card service customers can load money to a Ripple Debit Card, Bitcoin Debit Card, Litecoin Debit Card, Dash Debit Card, Ethereum Debit Card, or Dogecoin Debit Card
• Existing cryptocurrency debit cards can be loaded from anywhere in the world no matter where it was purchased from
• There is a $10 minimum load and a $5,000 maximum debit card load with Load Debit Card.com

While the Load Debit Card site focuses on crytocurrency debit cards, the site can load money to just about any Visa or Mastercard debit card in the world (including cards like the WalMart reloadable debit card). Transfers to a debit card with Load Debit Card usually post within 24 to 48 hours, not counting weekends and holidays. Transfers from one country to another are up to nine times as fast when customers use Load Debit Card.

LoadedDebitCard.com Comments

• In many cases, card providers will issue their own transfer limits that are different from the limit ($10 and $5,000) that Load Debit Card.com imposes
• If a transfer from Load Debit Card is rejected by the debit card company, any fees that were associated with the transaction will be refunded

Standard and merchant accounts are available, with merchant accounts paying a $29.95 monthly fee, but getting to load an unlimited number of debit cards each month, while a standard account only lets the customer do one card (but with an unlimited number of transactions to that card).

What cards can’t be loaded with Load Debit Card.com?

The only cards that cannot be loaded with Load Debit Card are single use cards (the card must be reloadable or reusable), Mastercard logo cards on the Maestro Network, or a new debit card with no transactions. Cards can be loaded with either USA or European currencies.

To contact a representative of the Load Debit Card web site:

• Call +1 (641) 715-3900 Extension: 277755#

Primary References

1. www.loaddebitcard.com