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Many people are used to getting their certificates of deposits (CDs) directly from a bank, but what many people don't know is that they can get CDs from a third party who negotiates with banks. These types of CDs are known as brokered CDs, and you should know the potential risks and benefits of brokered CDs before you invest in one. What Is a Brokered ... Keep Reading↠
What's an annual fee you may be wondering? Well, to put short, it's basically banks or financial institution charging you a yearly fee to use their credit cards. Why? Well a lot of these cards come with benefits and for you to reap those benefits, you have to pay a fee. The card issuer adds the annual fee to the customer’s statement. It's essentially another ... Keep Reading↠
People are increasingly obtaining credit cards to use for their expenses and to build credit. You may be wondering, am I ready for a credit card? Check out this post to find out! Confirm You Meet the Minimum Requirements To qualify for a credit card, you must be at least 21, but if you have a verifiable source of income then it is at least 18 years old. If ... Keep Reading↠
If you recently came to the U.S. and want to open a bank account, you may be wondering how you can do that without a social security card. Luckily, undocumented immigrants can set up a bank accounts even without a social security number. There are various reasons why you may need or want a bank account in your name in the U.S. This guide will show you how to open a ... Keep Reading↠
A joint checking account is not a righteous path to take once you become married to prove your devotion to the relationship. It goes way beyond this. Many see opening a joint checking account as a progressive step, others have a different opinion. This topic is very controversial, but let's first understand what it is. What is a Joint Checking Account? A ... Keep Reading↠
Money management is important. A good way to teach your kids how to save money and how to properly spend is to open a bank account for them. Note that if they are under 18, legally you will have to hold the account jointly with them. Checking Accounts for Teens Years ago, checking accounts were mainly for writing paper checks to send money. Today, it is a ... Keep Reading↠
Money we place into banks accounts are ours. However, can we really take it whenever we want? That is something that not many people realize. There is a limit to how much an individual can withdraw from their bank account and how their money can be accessed. The Laws Governing Deposits and Withdrawals It is frequently noted that the maximum amount of cash you ... Keep Reading↠
If you've ever spoke with banks or done any banking, you probably feel like it is a you-against-them relationship. To customers, it may feel as if banks will try to get every dollar out of you while being unhelpful. Continue reading to learn How Banks Compete. However, it doesn't have to be this way all the time. Some banks actually succeed by providing their ... Keep Reading↠
Whenever you decide to open a checking or savings account, you're going to probably want to know that your money is safe. Although it is rare, bank failures can still happen at any moment and could wipe out all the money in your accounts if you aren't insured. The Federal Deposit Insurance Corporation (FDIC) offers insurance to banks and their customers to ... Keep Reading↠
For most people, they prefer to save money rather than spend it. However, some people do not know how to save. They will come up with reasons or excuses on why they must spend on something. To help you will your spending habits, we will be going into detail about 10 smart ways that you should know so you'll know to save $1,000 a month! We will even tell you how ... Keep Reading↠
Confused as to what a retail bank is? When it comes to financing we know that there can be a lot of tricky terms to grasp. If you want to expand your knowledge and figure out more information on retail banking then this post will hopefully educate you on all that you need to know! What is a Retail Bank? A retail bank, also referred to as a consumer ... Keep Reading↠
We've all done this before, we tend to overestimate the number of funds available in our checking accounts, run out of money before payday, or bounced a check. If you shop or pay bills by using your debit card or by writing a check when you don't have the cash in your bank account, you may be relieved to find your spending covered by your bank's overdraft ... Keep Reading↠
If you like checking up on your bank account and your transactions regularly, you may notice an unauthorized account transaction. Generally, what this means is that someone has stolen your debit card or they have somehow stolen the card number and have access to your checking account. It is important to act quickly to protect yourself and to stop any further ... Keep Reading↠
When you are depositing money into your bank account, you're probably expecting it to be available very soon. However, issues might come up that prevents the money from being credited to your checking account. This can be a frustrating position to be in, especially when you already have plans to use the money. That is why it's important to understand how your ... Keep Reading↠
Have you ever deposited money into your checking account and found out that you can't use it right away? This happens because banks often place "holds" on your deposits, preventing you from accessing your funds right away. This results in you possibly bouncing checks or having issues with automatic payments. Continue reading to learn more about checking account ... Keep Reading↠
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