How To Find A New Bank That Fits My Needs
Stop comparing banks and start auditing your last 60 days of transactions to define your non-negotiable habits, then match those habits to a specific account structure - not a brand...
Checking Account
Covers opening, depositing, and using checking accounts, including options for those with bad credit.
How To Get Your Bank To Waive A Monthly Maintenance Fee
Yes, most banks will reverse the fee if you call and specifically cite your direct deposit history, account longevity, or a competing bank’s no-fee offer, but you must ask for...
Overdraft Protection Vs Overdraft Coverage Which Should I Choose
Overdraft protection links to your savings to cover shortfalls for a small fee, while overdraft coverage is the bank's expensive discretionary service that pays debit card transactions for a $35...
Can One Person Withdraw All The Money From A Joint Bank Account
Yes, a joint bank account withdrawal of the entire balance is typically legal for either account holder without the other’s permission, unless a specific written agreement or court order restricts...
How To Switch Banks Without Getting Hit With Closure Or Transfer Fees
You can avoid closure and transfer fees by opening the new account first, manually linking it from the new bank’s side, and waiting until all pending transactions clear before asking...
What Is An Overdraft Fee And How Does It Work
An overdraft fee is a penalty your bank charges when you spend more money than you have. The bank covers the shortfall anyway. It works by either approving your debit...
Which Banks Have No Monthly Fees And No Minimum Balance
Capital One 360, Discover Bank, Ally Bank, and many online-only banks offer checking and savings accounts with no monthly maintenance fees and no minimum balance requirements. Most large traditional brick-and-mortar...
How To Open A Bank Account For A Minor In The US
You need your government-issued ID, the minor’s Social Security number and birth certificate, and an initial deposit - both of you must be physically present if the child is under...
What Is The ChexSystems Report And How Does It Affect Opening Bonus Accounts
Yes, a negative ChexSystems report can disqualify you from opening a bonus-earning account even if your credit score is excellent, because banks use this separate consumer report specifically to screen...
Switching & Closing Banks
Planning your switch banks move Before you switch banks, spend some time finding the right institution for how you actually live. You want to find a new bank that fits...
Bank Bonuses & Promotions
Before you chase your first bank sign-up bonus Before you commit a dollar or an hour of your time, it helps to understand how bank sign-up bonuses work and are...
Banking Fundamentals & Concepts
Everyday banking fundamentals and account basics Understanding banking fundamentals means grasping the statuses and timing rules that determine when your money actually moves. A transaction showing as pending mean in...
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