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CHECKING ACCOUNTS
Types of Checking Accounts
- There are a wide variety of
different types of checking
accounts. Learn about the
various offers.
Free Checking Offers - Free checking accounts are
one of the most popular types of
accounts. However, very few
checking accounts are actually
free.
Check 21 - Speeds up the
check processing for creditors,
saving them billions of dollars
in transportation and processing
costs.
ChexSystems - A scoring
system that determines what kind
of risks new bank account
applicants are.
Overdraft Protection -
The bank guarantees payment of
your checks as long as you have
sufficient funds in any one of
your other accounts.
Checking Account Fees -
Familiarize yourself with all
the different types of cost
associated with checking
accounts. Learn what you
should do if you are being
charged fees erroneously.
Avoid Checking Fees - If you
plan carefully, many of the
associated costs can be dodged.
ATM Information
ATMs - There are
literally millions of ATM
machines located all over the
world. They allow you to have
access to your cash 24 hours a
day, seven days a week.
Automated teller machines also
allow you to check your account
balances, make transfers between
your accounts and/or deposit
funds.
Fees Associated with Automatic
Teller Machines - ATMs are
an excellent for obtaining money
while on the go. However, the
fees associated with withdrawing
your money can be quite steep.
Debit Cards - When opening a
new checking account you can be
certain that your bank is going
to provide you with a debit
card. These cards provide you
with extended flexibility when
looking to make payments for
purchases via the money in your
checking account. You can also
use debit cards for withdrawing
money from ATMs (automated
teller machines).
Protecting Your Accounts
Banking Online - You can do
many things via online banking.
A few of the more commonly
performed transactions include,
viewing your accounts and
statements, transferring money,
paying bills, viewing and
printing images of canceled
checks, etc..
Analyzing Statements - Your
will receive a monthly account statement
from your bank. This will
provide you with a thorough
breakdown of your account activity
for a specific time period. It is very important that you review
your statement to ensure that
the bank's record's correspond
with the yours.
Patriot Act Compliance -
Banks are going to be asking you
provide a great deal more of
personal information when you
open a new account.
Keeping Your Money Safe -
Familiarize yourself with what
"Member FDIC", otherwise known
as the Federal Deposit Insurance
Corporation.
Is Your Bank Safe? -
Features information that will
help you determine whether or
not a bank you are potentially
interested in opening an account
with is in good financial
standing.
Banking Relationships - What
you can do make sure that your
relationship with your bank is
the best it can be.
Debit Cards
Using Your Debit Card Wisely
- Tips on how you can enjoy the
benefits of debt cards smartly.
Debit vs. Credit - Which
type of plastic better for you?
Questions & Answers Related to
Debit Cards - Understand
some basic concerns related to
debit cards and how they work.
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