ESIS ProClaim Senior Representative Chubb LtdESIS ProClaim Senior RepresentativeMelville, NY$85,000–$130,000 / yearReporting to the AVP and VP of Claims, as well as the Claims Team Leader, this role is responsible for reviewing coverage, investigating third-party claims, securing evidence, assessing subrogation, recovery, and tenders, apportioning liability, and settling claims to achieve optimal outcomes in accordance with established best practices and client instructions. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
Business Development Representative, Distribution GN Store Nord ASBusiness Development Representative, DistributionNY$120,000–$130,000 / yearThe Business Development Representative will collaborate closely with internal cross-functional teams-including channel and end customer sales, marketing, alliances, and operations-as well as distributor-dedicated resources to support onboarding, training, business planning, pipeline development, and go-to-market execution. As a member of the Jabra sales team, the Business Development Representative, Distribution is responsible for supporting and growing strategic distributor relationships while driving partner recruitment, enablement, and revenue growth across the channel.
Claims Care Representative-Hybrid in New Berlin, NY Preferred Mutual Insurance CompanyClaims Care Representative-Hybrid in New Berlin, NYNew Berlin, NY$20–$22 / hourThe Claim Care Representative I will work to provide an exceptional experience to our valued internal and external customers by processing transactions and delivering services for high-touch and high-volume transactions and interactions of lower to medium complexity within claims, supporting each unit in the department. The Claims Care Representative I will: Develop proficiency in routine claims support functions, including First Notice of Loss (FNOL) intake, Safelite glass claim coordination, rental management, and handling inbound claims calls, with the ability to work independently within 3–6 months.
Customer Service Representative Sarah's ShopCustomer Service RepresentativeWilliamsville, New YorkWhile interacting with customers, the Representative will answer inquiries, resolve issues, respond to customer requests, uncover and explore sales opportunities for additional products and services and make qualified sales referrals. Effectively educates customers on the features and benefits of First Niagara products and services and is able to identify and recognize customer needs and opportunities to offer additional or enhance current products and services.
NewCustomer Success & Sales Representative API Heat TransferCustomer Success & Sales RepresentativeNew YorkThe Customer Success & Sales Representative is an outbound-focused project manager responsible for generating new business opportunities through proactive outreach, managing customer project follow-through internally, and keeping Salesforce updated with accurate, timely information. Serve as the internal point of contact for assigned customer projects, ensuring commitments are tracked and met from kickoff through delivery.
Business Development Representative AdoramaBusiness Development RepresentativeNew York City, NY$65,000–$75,000 / yearWhat You'll Do As a Business Development Representative (BDR) at ABS, the successful candidate will be responsible for identifying and onboarding new customers, focusing on those with potential annual spend of at least twenty-five thousand dollars in our core product categories. Whether equipping a production studio, outfitting classrooms, or streamlining corporate workflows, we provide the tools, technology, and support that empower organizations to work smarter, create more, and achieve their goals.
NewBusiness Office Representative - Senior Rochester Regional Health SystemBusiness Office Representative - SeniorNY$19–$22.50 / hourPosition Summary: Ensure full reimbursement is received by RRH for clinical services rendered including professional, long-term/home care and hospital care, by effectively and accurately managing a receivable. EDUCATION: LICENSES / CERTIFICATIONS: PHYSICAL REQUIREMENTS: S - Sedentary Work - Exerting up to 10 pounds of force occasionally Sedentary work involves sitting most of the time, but may involve walking or standing for brief periods of time.
Sales Representative GTSSales RepresentativeNew York, New York$120,000–$200,000 / yearFull timeGTS’s electronic market maker GTS Securities accounts for 3-5% of daily cash equities volume in the U.S. and is a leading Designated Market Maker (DMM) at the New York Stock Exchange, responsible for nearly $13 trillion of market capitalization. With roots as a quantitative trading firm continually building for the future, the GTS family of companies are able to leverage the latest in artificial intelligence systems and sophisticated pricing models to bring consistency, efficiency, and transparency to today’s financial markets.
NewBusiness Development Representative Candid HealthBusiness Development RepresentativeNew York City, NY$70,000–$80,000 / yearThis includes crafting targeted messaging for cold calls, emails, and meetings with physician organizations, MSOs, and PE-backed roll-ups ranging from mid-market to large enterprise. We believe the best work happens when we are in the same room and our ideal weekly schedule is 4 days working from our New York office and 1 day working remotely.
NewFinancial Services Representative, College Graduate - Nanuet, NY FidelityFinancial Services Representative, College Graduate - Nanuet, NYNew YorkRemotePlease be advised that Fidelity’s business is governed by the provisions of the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, the Investment Company Act of 1940, ERISA, numerous state laws governing securities, investment and retirement-related financial activities and the rules and regulations of numerous self-regulatory organizations, including FINRA, among others. These benefits include comprehensive health care coverage and emotional well-being support, market-leading retirement, generous paid time off and parental leave, charitable giving employee match program, and educational assistance including student loan repayment, tuition reimbursement, and learning resources to develop your career.
Associate Sales Representative, ENT - Saratoga NY Integra LifeSciencesAssociate Sales Representative, ENT - Saratoga NYAlbany, NYUnder generation direction and in accordance with all applicable federal, state and local laws/regulations and Corporate Integra LifeSciences, procedures and guidelines, this position: + Associate Sales Representative will be trained to understand and demonstrate proper use of our products to ENT Physicians in an operating room, private practice, and/or ASC setting. The Associate Sales Representative (ASR) will be expected to expand the sales of Integra products, convert accounts in a manner that complies with company policy and sales direction and provide support to the aligned territory for all sales-related activities.
Licensed Insurance Sales Representative - Entry Level MR Agency LLCLicensed Insurance Sales Representative - Entry LevelMassapequa, NYAt MR Agency LLC, you will have the chance to build real connections, support families and businesses in your community, and play an important part in the way we serve our clients every day. In this role, you will be speaking with clients, learning what matters most to them, and helping match them with coverage that feels right for their needs.
Bilingual Insurance Customer Service Representative GEICO CommackBilingual Insurance Customer Service RepresentativeCommack, NY$22.56–$25.64 / hourThe team at GEICO Commack is seeking a Spanish Bilingual Insurance Customer Service Representative to support our growing client base and deliver outstanding service. As a key member of our service team, you will assist policyholders with account updates, billing questions, coverage changes, and general policy support.
Guest Services Representative (Part-Time) American Museum of Natural HistoryGuest Services Representative (Part-Time)New York, NYThe Visitor Services department is seeking part-time Guest Services Representatives to provide outstanding services to visitors, representing the Museum to the public through direct interaction and communication with Museum visitors and members. The American Museum of Natural History is one of the worlds preeminent scientific and cultural institutions, and has as its mission to discover, interpret, and disseminate information about human cultures, the natural world, and the universe through a wide-ranging program of scientific research, education, and exhibition.
Contact Center Sales Representative (Safe Act) M&T Bank CorpContact Center Sales Representative (Safe Act)Williamsville, NY$20–$25 / hourResearch customer complaints or problems related to their accounts or Bank services and resolve them in a timely and accurate manner; escalate complex problems as appropriate to ensure their resolution. Identify opportunities to suggest and fulfill Bank products or services to suit the needs of customers while contributing to customer retention and expanding their overall relationship with the Bank.
Sales Representative - Digital Content & Innovation Moody's CorpSales Representative - Digital Content & InnovationNew York, NY$94,500–$137,100 / yearThe team contributes to Moody's success by driving new business, strengthening long-term client relationships, marketing credit risk solutions, and collaborating closely across internal teams to generate, defend, and grow revenue within the banking and non-bank financial institutions sector. This role is responsible for managing the end-to-end sales lifecycle for a portfolio of client accounts, driving new business opportunities, and serving as a trusted advisor to senior executives within banking and non-bank financial institutions.
Contact Center Service Representative M&T Bank CorpContact Center Service Representativewilliamsville, NY$19–$23 / hourIdentify and/or address customer needs by using appropriate needs identification methods, providing information or completing a service transaction in response to incoming questions regarding Bank products and/or services. Identify opportunities to suggest alternative Bank products or services to better suit the needs of customers while contributing to customer retention and expanding their overall relationship with the Bank.
Sales Development Representative (SDR) Chapter 2Sales Development Representative (SDR)New York, New YorkWe partner with high-growth startups and scale-ups across the US and Europe, embedding senior recruiters directly into their teams under a Talent OS model — combining recruitment, employer branding, and technology to deliver both immediate hires and long-term hiring infrastructure. That means hiring someone to own the pipeline for both coasts: identifying the right companies, engaging the right people, qualifying the right opportunities, and working directly alongside our US co-founder to close.
Business Development Representative Regal Voice, IncBusiness Development RepresentativeNew York, NYResearch companies to determine whether they're strong candidates for Regal AI Agents - specifically organizations running contact centers, outbound sales teams, or operations requiring high call and SMS volume. Use value-based selling to build strong prospect relationships to understand their challenges and goals around deploying AI Agents to automate and improve inbound and outbound voice, SMS, and chat interactions.
Entry-Level Remote Sales Development Representative (20 - 27 per hour) NoGigiddyEntry-Level Remote Sales Development Representative (20 - 27 per hour)New York, NYRemote$20–$27 / hourAccount Coordination: Assist in coordinating client accounts, including setting up new accounts, managing renewals, and ensuring all client information is up to date. Client Relationship Management: Build and maintain strong relationships with clients, understanding their needs and ensuring their satisfaction.
Sales Development Representative SweepSales Development RepresentativeNew York, New York$90,000–$125,000 / yearAs an SDR, you'll be a key driver of our sales engine, helping to build a strong pipeline by setting meetings with qualified leads, showcasing the value of our product to free users, and using intent signals to execute highly-targeted outbound campaigns. You understand the power of storytelling, crafting persuasive narratives that resonate with Salesforce users, CIOs, RevOps leaders, and other key business decision-makers (experience in the Salesforce ecosystem is a major plus!).
Customer Service Representative IV Service Experts Heating & Air ConditioningCustomer Service Representative IVClifton Park, New YorkHandle and resolve a variety of customer concerns, complaints, and questions by phone, email, Chat, (questions may include billing inquires, technician ETA, scheduling issues, and general company product and service questions). The Customer Service Representative IV is responsible for monitoring the customer service activities of multiple Customer Service agents to ensure KPI’s and excellent service levels are met.
Entry-Level Remote Sales Development Representative (20 - 27 Per Hour) NoGigiddyEntry-Level Remote Sales Development Representative (20 - 27 Per Hour)New York, NYRemote$20–$27 / hourAccount Coordination: Assist in coordinating client accounts, including setting up new accounts, managing renewals, and ensuring all client information is up to date. Client Relationship Management: Build and maintain strong relationships with clients, understanding their needs and ensuring their satisfaction.
Customer Service Representative I Service Experts Heating & Air ConditioningCustomer Service Representative IClifton Park, New YorkHandles and resolves a variety of customer concerns, complaints, and questions by phone, email, Chat, (questions may include billing inquires, technician ETA, scheduling issues, and general company product and service questions). The Customer Service Representative handles customer service requests, appointment booking, customer questions, complaints, and billing inquiries with the highest degree of courtesy and professionalism to resolve customer issues with one-call resolution.
Nobel Biocare Territory Representative (Albany, NY) Envista DentistryNobel Biocare Territory Representative (Albany, NY)Albany, New YorkRemoteThe Nobel Biocare Territory Representative is responsible for achieving or exceeding sales and service goals mainly in dental clinics and/or dental laboratories within an assigned territory, through the effective selling and promoting of Nobel Biocare products, solutions and services to existing and potential new customers within the framework of organizational policies and directives. Envista will consider unsolicited referrals and/or resumes submitted by vendors such as search firms, staffing agencies, professional recruiters, fee-based referral services and recruiting agencies (Agency) to have been referred by the Agency free of charge and Envista will not pay a fee for any placement resulting from the receipt such unsolicited resumes.
Inside Sales Representative USA TODAY Co IncInside Sales RepresentativeNY$17–$19.24 / hourThrough our trusted brands, including the USA TODAY NETWORK, comprised of the national publication, USA TODAY, and local media organizations, including our network of local properties, in the United States, and Newsquest, a wholly-owned subsidiary operating in the United Kingdom, we provide essential journalism, local content, and digital experiences to audiences and businesses. LocaliQ is seeking a driven Inside Sales Representative (Events) to help local businesses grow their visibility and revenue through event-based advertising, sponsorships, and promotional partnerships.
Dealer Development Representative New Jersey & New York market Fifth Third BancorpDealer Development Representative New Jersey & New York marketNY$61,200–$125,500 / yearThe base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. Develop dealership personnel relationships through training, deal structuring, credit involvement, assisting in paperwork, and working deals.
Specialty Representative Migraine - Newburgh NY AbbVie IncSpecialty Representative Migraine - Newburgh NYNewburgh, NYContinuously build understanding on customer needs and expectations, territory market landscape, competitors, market segments/dynamics, accounts, disease, product, clinical and sales expertise and share this market intelligence information with in-field team, brand team and sales manager to achieve alignment, to anticipate environmental changes and challenges and to optimize brand strategy and its execution. Execute brand strategy and tactics in field, sales performance, effectively manage assigned territory and targeted accounts, build strong customer relationships and customer needs solving capability to maximize short and long term sales performance placing the patient into the center of any efforts and operating within AbbVie's business code of conduct, policies and all applicable laws and regulations.
Inside Sales Representative Localiq LLCInside Sales RepresentativeNY$17–$19.24 / hourThrough our trusted brands, including the USA TODAY NETWORK, comprised of the national publication, USA TODAY, and local media organizations, including our network of local properties, in the United States, and Newsquest, a wholly-owned subsidiary operating in the United Kingdom, we provide essential journalism, local content, and digital experiences to audiences and businesses. LocaliQ is seeking a driven Inside Sales Representative (Events) to help local businesses grow their visibility and revenue through event-based advertising, sponsorships, and promotional partnerships.
Sales Representative Careers In NonprofitsSales RepresentativeThe Bronx, New YorkThe ideal candidate has a sales-oriented mindset, enjoys networking and building partnerships, and is motivated by both achieving goals and making a direct impact on individuals’ career success. Due to the high volume of applications we receive, we regretfully can only respond to those candidates who best meet the requirements of a specific position or whose backgrounds are generally applicable to our client base.
Financial Services Representative, College Graduate - Scarsdale NY FidelityFinancial Services Representative, College Graduate - Scarsdale NYScarsdale, New YorkRemotePlease be advised that Fidelity’s business is governed by the provisions of the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, the Investment Company Act of 1940, ERISA, numerous state laws governing securities, investment and retirement-related financial activities and the rules and regulations of numerous self-regulatory organizations, including FINRA, among others. During your onboarding experience in this role, you’ll support Fidelity’s customers over the phone by answering questions about account balances, making withdrawals, transferring funds, identifying resources, and placing trades, while working from home and spending one day per week in the Investor Center.
NewAthletic Trainer/DME Field Service Representative (Metro New York) EnovisAthletic Trainer/DME Field Service Representative (Metro New York)New YorkThis is an incredible opportunity to work in a fast-moving, patient-focused setting amongst extraordinarily talented professionals dedicated to making life-changing innovation possible in orthopedics and beyond with brands such as DonJoy, Aircast, ProCare and Exos. We know that the power to create better – for our customers, our team members, and our shareholders – begins with having the best team, pursuing common goals, operating at the highest levels, and delivering extraordinary outcomes.
NewSenior Business Development Representative Selby Jennings LtdSenior Business Development RepresentativeNew York, NY$70,000–$95,000 / yearThis individual will work closely with senior sales and research teams to develop relationships with key decision-makers at leading investment management firms, private equity funds, hedge funds, and consulting organizations. Our client is a rapidly growing research and insights platform that connects investment firms, consulting organizations, and corporations with highly specialized industry experts.
Business Development Representative LeadVenture IncBusiness Development RepresentativeNYWho we are: LeadVenture is the market-leading SaaS provider of digital retailing, eCommerce, digital marketing and eCatalog solutions for dealerships across 12 industry verticals including powersports, marine, RV, pre-owned auto, agriculture and more. Our family of brands includes Dealer Spike, Dealer Car Search, Frazer, Net Driven, Direct Communications, Inc. (DCi), Powersports Support, Level 5, PSM Marketing, Monroney Labels, and Interact RV.
Rental Sales Representative - B2B / Outside Sales Penske CorporationRental Sales Representative - B2B / Outside SalesRochester, NY$50,400–$63,000 / yearWillingness to travel as necessary, work the required schedule, work at the specific location required, complete Penske employment application, submit to a background investigation (to include past employment, education, and criminal history) and drug screening are required. Penske Truck Leasing/Transportation Solutions is a premier global transportation provider that delivers essential and innovative transportation, logistics and technology services to help companies and people move forward.
Sales Development Representative Dealpath IncSales Development RepresentativeNew York City, NY$90,000–$95,000 / yearTo date, the platform has powered more than $10 trillion in transactions, partnering with hundreds of firms, including leading global institutions such as Blackstone, Nuveen, LaSalle, CBRE IM, MetLife, Newmark, Oxford Properties, New York Life, UBS, Manulife, DWS, and Principal. Our company is led by an experienced team and backed by a combination of top tier venture capital firms and strategic industry partners including: Blackstone, Nasdaq, 8VC, JLL Spark, WTI, GreenSoil Investments, LeFrak, Milstein, Bechtel, and Morgan Stanley Expansion Capital.
Business Development Representative (Upstate NY Market) Summit Behavioral Healthcare LLCBusiness Development Representative (Upstate NY Market)NYDevelops and conducts community workshops and seminars and facility tours to educates clients, families, community and other referral sources on programs, services and amenities provided by facility and provides an opportunity to identify potential referral sources. About the Job: PURPOSE STATEMENT: The Business Development Representative is responsible for growing the facility's lines of service and levels of care as defined by management by developing and retaining referrals from professional referral sources across various account types.
Marketing Development Representative Parloa GmbHMarketing Development RepresentativeNew York, NY$80,000–$108,000 / yearBacked by leading global investors like General Catalyst, EQT Ventures, and Altimeter Capital, were scaling with a clear ambition: to become the global category leader in enterprise-grade conversational AI. Youll play a critical role in converting inbound interest into qualified opportunities for our sales team, and supporting the field marketing team, ensuring every prospect has a thoughtful, high-quality first experience with Parloa.
ENT Business Development Representative Gympass US LLCENT Business Development RepresentativeNew York, NY$49,129–$57,387 / yearWe are currently set up to hire in California, Colorado, Connecticut, Florida, Georgia, Illinois, Massachusetts, Missouri, North Carolina, New Jersey, New Hampshire, New York, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin. Employees receive a minimum of 25 days PTO per year with an additional day for each year of tenure (up to 5) in addition to annual holidays (including an extra holiday on your birthday!).
SALES REPRESENTATIVE Advantech Industries IncSALES REPRESENTATIVERochester, NY$80,000–$90,000 / yearThe Sales Representative will be expected to travel 20% of the time, where they will directly sell in the field, deliver parts, meet with prospects, visit existing customers, and attend trade shows, sales forums, and business meetings to represent the company and generate new business opportunities. Using excellent verbal communication skills, the salesperson deals with customers, vendors and all channels of distribution to assess and analyze timely product delivery and any hindrances to it.
Inside/Outside Sales Representative - Construction Equipment H. O. Penn Machinery Company, Inc.Inside/Outside Sales Representative - Construction EquipmentNYKey Qualifications: We are seeking a highly motivated self-starter, achievement-driven individual that possesses the following qualifications: 2+ years of experience in inside sales, outside sales, or territory sales, preferably in construction equipment, heavy equipment, industrial, or B2B environments. Qualifications: We are seeking a highly motivated self-starter, achievement-driven individual that possesses the following qualifications: 2+ years of experience in inside sales, outside sales, or territory sales, preferably in construction equipment, heavy equipment, industrial, or B2B environments.
Specialty Representative HCV - Albany NY AbbVie IncSpecialty Representative HCV - Albany NYAlbany, NYContinuously build understanding on customer needs and expectations, territory market landscape, competitors, market segments/dynamics, accounts, disease, product, clinical and sales expertise and share this market intelligence information with in-field team, brand team and sales manager to achieve alignment, to anticipate environmental changes and challenges and to optimize brand strategy and its execution. Execute brand strategy and tactics in field, sales performance, effectively manage assigned territory and targeted accounts, build strong customer relationships and customer needs solving capability to maximize short and long term sales performance placing the patient into the center of any efforts and operating within AbbVie's business code of conduct, policies and all applicable laws and regulations.
Business Development Representative Pico Quantitative Trading LLCBusiness Development RepresentativeNew York City, NY$75,000–$90,000 / yearWorking closely with Senior Sales Leaders and Marketing, the BDR will identify new opportunities, build stakeholder intelligence across target organizations, and generate qualified leads for the enterprise sales team. This role focuses on lead generation and pipeline development across both existing strategic accounts and new logo prospects, including banks, hedge funds, market makers, exchanges, and trading technology firms.
Customer Service Representative - 1145 Security Mutual Life Insurance Company of New YorkCustomer Service Representative - 1145Binghamton, NY$19.02–$21.03 / hourProcess billing requests, which could include billing account number changes, payment type changes (mode changes), refund requests, premium payment histories, value quotes, form requests, policy reprojection requests, taxable gain calculations, policy conservation, mailing Electronic Funds Transfer forms, etc. Process manual premium payments and other service requests from calls by check or phone via a checking or savings account.
ESIS Senior Claims Representative, WC Chubb LtdESIS Senior Claims Representative, WCCheektowaga, NY$71,000–$104,000 / yearStrong technical claims knowledge and demonstrated proficiency in Workers' Compensation claims, supported by claims handling experience at ESIS or within a similar organization; five or more years of claims handling experience preferred. Under the direction of the Claims Team Leader, the Senior Workers' Compensation Claim Representative investigates and resolves claims promptly, fairly, and in accordance with established best practices.
Customer Service Representative - 1140 Security Mutual Life Insurance Company of New YorkCustomer Service Representative - 1140Binghamton, NY$19.02–$21.03 / hourProcess billing requests, which could include billing account number changes, payment type changes (mode changes), refund requests, premium payment histories, value quotes, form requests, policy reprojection requests, taxable gain calculations, policy conservation, mailing Electronic Funds Transfer forms, etc. Process manual premium payments and other service requests from calls by check or phone via a checking or savings account.
Buyer Representative (9:30 AM- 6:00 PM EST) ACV Auctions IncBuyer Representative (9:30 AM- 6:00 PM EST)Buffalo, NYStay informed about trends in the automotive market, auctions practices, and customer preferences to provide insightful guidance to buyers, Monitor the performance of customer accounts through various assessments including but not limited to, customer KPI review, identification of additional product opportunities, adherence to buy/sell policy agreement. Generous paid time off options, including uncapped vacation days, the greater of 3 paid sick days or in accordance with the applicable state or local paid sick leave law, 6 paid company holidays, 2 floating holidays, parental leave, bereavement leave, jury duty leave, voting leave, and other forms of paid leave as required by applicable law or regulation.
CAT Rental Sales Representative H. O. Penn Machinery Company, Inc.CAT Rental Sales RepresentativeThe Bronx, NYEffectively use all selling tools, including the telephone, computer, software, wireless communications and other means to promote the features, benefits and overall value of Caterpillar and allied equipment and the total product and service offerings at the H.O. Work collaboratively with other sales & rental team members, including Inside Sales Reps and Rental Coordinators, to accurately and efficiently process rental and sales orders, address customer concerns and maximize rental and sales business and growth.
Business Development Representative Garner Health Technology IncBusiness Development RepresentativeNYOur products are trusted by the most sophisticated employers and providers in the industry, and we are building a team of talented, mission-driven individuals who are motivated to make a meaningful impact on healthcare at scale. Patients achieve better health outcomes, employers spend healthcare dollars more effectively, and physicians are rewarded for delivering exceptional care rather than performing more procedures.
Customer Service Representative - 1142 Security Mutual Life Insurance Company of New YorkCustomer Service Representative - 1142Binghamton, NY$19.02–$21.03 / hourProcess billing requests, which could include billing account number changes, payment type changes (mode changes), refund requests, premium payment histories, value quotes, form requests, policy reprojection requests, taxable gain calculations, policy conservation, mailing Electronic Funds Transfer forms, etc. Process manual premium payments and other service requests from calls by check or phone via a checking or savings account.