Merrill Edge customers who open a new self-directed Merrill Edge Cash Management Account with at least $10,000 in new funds will receive $100 added to their new account. Click here for more information.

Independent Bank is offering free gifts to their customers who open a new personal checking account on Friday, 10.28.2011, only. Customer will receive refunds for any foreign ATM fees obtained during the first three months of account opening, a free order of Mini-Pak checks, special CD rates for deposits between $1,000 and $100,000, and an entry in a sweepstakes to win a $500 Visa gift card. Click here for more information.

The new Ameriprise Financial home equity line of credit features a 6-month introductory rate of 3.50% or 3.75% depending on the type of relationship account maintained. After the 6-month promotional period, the rate will range from Prime + 0.75% to Prime + 2.75% based on line amount, home value, and creditworthiness. Applications must be submitted by 12.31.2011. Click here for more information.

The Federal Housing Finance Agency, along with Fannie Mae and Freddie Mac announced changes to the Home Affordable Refinance Program in an effort to help more eligible borrowers refinance into lower rates. Program enhancements include removing the 125% LTV ceiling for fixed-rate mortgages and extending the end date until 12.31.2013. Click here for more information.

JPMorgan ACCESS, the treasury portal by Chase, has added a new platform to its already robust system which provides a single global view. This new system streamlines the payables and receivables process, managing trade activities from beginning to end efficiently, while mitigating risk and keeping costs low for their clientele. Current Trade Channel clients have begun the merging process to the new portal as of September 2011. Click here for more information.

Community Trust Bank in Kentucky is offering a 12-month Hoop CD special which requires a $2,500 minimum opening deposit. The CD starts at 0.99% APR and 0.01% is added to the rate every time the University of Kentucky wins a game. If the University of Kentucky wins the NCAA championship, 1.00% will be added to the rate. The offer ends on 11.10.2011.