Find a Bank With No Overdraft Fees – What to Look For

Index Article Directory Finances Everett Maclachlan Everett Maclachlan x 790 articles Joined: 9 years ago Country: United States Contact The Author Send To A Friend Article Publisher Create Article PDF Cite Article Report This Article Print This Article Comments Liked the article? 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However, it is an unarguable fact that since the widespread adoption of overdraft protection programs less than a decade ago, consumers on the whole are paying more in bank fees than they ever have. While most checking accounts are now “free,” the actual cost of having a checking account runs into the hundreds of dollars annually for many, many bank customers. In fact, banks earn about $25 billion in overdraft fees annually in the U.S. alone! The overdraft protection program game is an extremely lucrative one for banks, and they want to keep you in that game. Fortunately, there are now a handful of banks coming onto the scene that do not charge fees – even if you overdraft your account. Here’s how it works: 1. You apply and get accepted for your new checking account. Some accounts involve a small monthly checking fee, but you will save money overall by paying a small, regular fee to their bank each month rather than unpredictable and painful overdraft fees. No surprises! 2. If you write a check or make a debit/credit charge that exceeds the amount still in your checking account, the bank will cover your payment – just like with a regular overdraft protection account. 3. HOWEVER, the bank will NOT charge you an overdraft fee for doing so. (Wow – that’s refreshing). There’s no limit to the number of overdrafts you can make, either. You just have to make sure that total overdraft amount at any one time does not exceed a certain, pre-determined figure. If you want to find a bank with no overdraft fees, here are some tips: 1. Make sure that the bank is FDIC-insured. This means that, if your bank were to shut down and close its doors for any reason, you can still get your deposit amount back. 2. Find a bank that allows you to conduct banking transactions online. This means your having the ability to login and check your balance, make transfers, and pay your bills from the comfort of your home or office. 3. Make sure that the bank you select gives you access to a national ATM network. It’s important that you are able to get your hands on your cash whenever you need it. Overdrafts are a reality for many people these days, and they are costing consumers collectively billions of dollars each year. There is no reason why anyone should have to pay these fees when there are banks that do not charge overdraft fees – even when an overdraft occurs. Once you gain access to a list of no overdraft fee banks, make sure you select one that meets the criteria outlined above to ensure the best banking experience possible. For a complete list of banks that will never charge you overdraft fees – even if you overdraft – check out: http://www.squidoo.com/banks-without-overdraft-fees/ . Also check out: http://escape-overdraft-fees.com/ . 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How to Find the Best Bank For a Checking Account

The decision to look for a new checking account presents you with the immediate realization that there are literally thousands of banks to choose from. Besides the many small and midsize banks, there are a handful of large, multi-billion dollar banks that monopolize the advertising space on TV and in newspapers. It is easy to be tempted to choose the bank with the biggest name or glitziest ads. But, of course, they’re expecting you to be dazzled by their clever marketing and just sign up when you see their cool ads. However, when making your decision to select the right bank, it is important to focus on what should be most important: the value that the bank offers you, as a customer. The most important considerations for most consumers when looking for a new bank are fee structure, convenience and security. To help you make a good decision, here are 5 tips on how to find the best bank for a checking account: 1. Choose a bank whose accounts are FDIC-insured. This means that the Federal Deposit Insurance Corporation (FDIC) will reimburse you for any losses to your deposit due to a bank closure or similar situation. The amount covered is currently $250,000 per depositor. 2. Find a bank that gives you ATM access almost anywhere in the country – without charging you a fee if you use another bank’s ATM to make a withdrawal. Quick and ready access to your cash should be an important part of your decision in selecting the right checking account. 3. Make sure your new account has an online banking option. This means you should have the ability to transfer money among your different accounts, make balance inquiries and pay bills online from the comfort of your home, office, or anywhere with an Internet connection. 4. Choose a bank that has a forgiving fee structure. The banking industry’s dirty little secret is that they made over $25 billion last year off of consumers through the charging of overdraft fees alone! In response to general consumer anger over this practice that some consumer advocates believe is abusive, some banks offer checking accounts that do not charge overdraft fees at all. Instead, for a low monthly fee, these banks will cover any overdrawn check or debit transaction (up to a pre-determined amount) without charging you an overdraft fee. This is worth looking into as it could save you hundreds of dollars per year. 5. If you have been having trouble getting approved for a checking account recently, it is likely that you have been reported to something called Chex Systems – a database that tells banks which new account applicants are potential risks. Fortunately, some banks today offer something called second chance checking, meaning that they will grant you a new checking account even if your name appears in Chex Systems. Why? Because these banks do not look at Chex Systems when considering new account applications. Have a look at a second chance checking account if getting rejected is a concern for you. Choosing a new checking account can be a bewildering process, given all of the bank choices available to you. Consider these 5 tips when choosing the best bank for a checking account. Published at: https://www.isnare.com/?aid=466636&ca=Finances

Where to Find Bank Savings?

Saving ideas are sometimes delayed by some people due to wrong perception, that the money they save on the bank savings if there is a need for immediate cash would be difficult to be taken and withdrawn. But some people put off the idea of savings accounts, because they believe that the ease of access to withdraw funds at any time can make them not disciplined in saving their money. In both of ideas, there is always solution that should persuade anybody to deposit any of their money in a bank savings account. Opening an account in banks can be overwhelming, because there are so a lot of varieties of banks and bank accounts. I am sure you wonder about which types of account you need to open and also the question of which banks are correctly to open a bank savings account in. Here are a few uncomplicated reasons of several categories of banks and the accounts you be able to open. The variety of banks that you can choose to open an account: Saving Banks – they are dealings that are for profit. Bank savings take deposits of cash, invest those funds, and compensate the depositor interest out of the cash made from those investments. Even some bank savings give credit to depositors. Loans and Savings – those banks usually present bank savings accounts. The money which deposited into those banks is loaned out to local residents in the society, generally for home loans. After you recognized the type of bank you able to open bank savings, now you should know what the type of accounts; 1. Bank savings account – is the most fundamental account that are offered by banks. You earn interest after deposit the money into a bank savings account and the interest will be counted based on Annual Percentage Rate (APR). 2. Checking account – When you open a checking account along with the standard checkbook you will be offered ATM or debit cards. This type of account allows you to deposit, withdrawal, and the writing of checks to pay bills and for purchases. 3. Certificate of Deposit – also branded as CD is for deposit only. You will earn a guaranteed amount of interest, but you can’t touch the money deposited in a CD for an agreed upon amount of time, array 6 months to several years. You will be charged some fee if you do withdraw the cash before the agreed upon date. 4. Money market account – similar to bank savings account. Than traditional savings account the interest rate of money market account is higher, but the minimum balance is typically $10,000 or more. What kind of bank saving account would be suit you best, you will need to decide. If you would like too many regular savings accounts will let you pay in more than this. When you go with a deposit account there are no such restriction meaning you can put in whenever you want and whatever you want. A regular bank savings account always offers higher interest rates. A big name of bank that you should select to open bank savings account will provide you with personal individually contact plus the capacity to deposit checks and cash easily. When it comes to interest rates you may be paying more. This may be the simple way since you are likely to find locations everywhere. Published at: https://www.isnare.com/?aid=462057&ca=Finances

Bank Mortgage- Find out Why so Many are Turning Towards a Bank Mortgage

A mortgage agreement binds you for a long-term relationship. In order to have a healthy relationship between a customer and a service provider it is essential to ensure a good understanding between the concerned parties. A customer generally tends to visit a service provider that is known to him as a reputed name of the industry. A bank is a type of financial institution that usually has a wide area of presence and offers a variety of services and is usually preferred by the customers for most transactions. Mortgage being a crucial transaction, many customers choose to go to the banks, which is what makes a bank mortgage the number one choice of so many. Every individual normally has a savings account in one or the other bank, be it a private bank or a public sector bank. Through years of transactions through this bank account, a sense of mutual understanding and a bond of trust tend to develop between them. As a result, the customer is quite likely to approach the same institution for a bank mortgage as well. Each financial institution has a different policy that is governed by a set of rules and regulations to be followed as stated by law. As such the scheme details of all these institutions are much the same. In most cases, it is the quality of service and the facilities provided that becomes the basis of your choice. For instance, if you have maintained an account in a particular bank for a certain time period, you would be aware of the type and quality of service offered. You are, therefore, well informed and thus, can take the right decision in this regard. Likewise, the bank is also aware of your financial health and conduct and the management too can take a better decision while considering and sanctioning a bank mortgage application. Before signing any papers, make sure to read the bank mortgage contract very well. As far as additional services for the client are concerned, it depends from bank to bank and may even vary from branch to branch. The electronic clearance service is one facility, which most individuals would like to avail of for the bank mortgage installment payments. Other institutions might offer this, but it may not be all that convenient and also you would usually be charged an extra amount for it. Further, movement of funds within the same institution from the client’s account to the lender’s account namely the bank is naturally much faster. E-payment and online transactions through the bank’s trusted and secure website is a great alternative. It not only saves on precious time and energy but also provides you the convenience of accessing and controlling your finances even on the move. Thus, bank mortgage is an excellent option if you want to enjoy hassle-free mortgage payments. Banks even offer their existing customer a bank mortgage at a lower rate than that offered to a new client. Published at: https://www.isnare.com/?aid=447186&ca=Finances

Bank Ratings – Ratings Will Help You Find the Best Bank Around and Avoid Choosing the Wrong One

Reading bank ratings can be a tremendous way of picking the right bank to do business with. All too many people just settle for whatever bank is in their area and don’t investigate at all if it’s really the best one for their needs. Aren’t all banks the same? In services offered, many of them are similar, but in terms of customer service and many other variables, there are many differences. Also, the quality of service can vary widely from bank to bank. The financial advisors at one bank might not be nearly as competition as the ones at another bank, for example. Therefore, finding the best bank to do business with is a critical step to take. Here are some tips to help you find the right one easily. First of all, Bank of America is one of the most popular banks in the country, and they have locations all around the country, hence the name. Chances are, if you have seriously looked into the top banks around, you have at least considered Bank of America. Are they really the best? When it comes to their customer service, they are always one of the fastest banks to respond to any issues you might have with them, which is always an important component. Just by emailing or calling them, you can almost always get a hold of somebody very shortly, many times within the same day. They have region specific customer service numbers, so in order to find the right one for you, just check the banks in your area. The best part about bank of America, however, is their online banking, which is really second to none. First of all, if you are concerned about security online, as many still are when it comes to online banking, you don’t really have to worry about this with bank of America. Security really isn’t nearly as much of an issue now with any bank as it used to be, but bank of America is always towards the top of the list in this department, so if you are paranoid you can be put at ease. Another feature they offer is the ability to set up automatic payments for certain businesses. You obviously wouldn’t want to do this with everybody you do business with, but the companies that you find yourself working with over and over, all you have to do is input their info into your account, set up a date to pay them each month, and the money will be automatically debited from your account and put into theirs without you having to lift a finger. This is an excellent option, and one that really comes in handy with companies you work with a lot, and can save you a ton of time when paying your bills online. If you do go with Bank of America (or any other bank for that matter) you absolutely should take advantage of their online banking features, as this will save you some serious time and help you get a lot more done. Published at: https://www.isnare.com/?aid=301268&ca=Finances