Tag: Casey Bond

Where Should You Order Checks?
Money

Where Should You Order Checks?

With the rise of peer-to-peer payment systems such as PayPal, Venmo, Zelle and several others, there's rarely a need to write a check these days.Even so, checks aren't completely extinct yet. According to the Federal Reserve, about 11 billion checks were written in the U.S. in 2021. Maybe your landlord still prefers to receive rent payments the old-fashioned way. Perhaps you run a small business that handles many transactions in the form of checks. In any case, when your checkbook runs out, you might wonder how to get a new set without paying $30 or more. The good news is there are a variety of ways to order checks at a low cost – maybe even for free.Banks and Credit UnionsTypically, you'll find an order form for more checks within your checkbook. However, ordering checks through your ban...
How to Get Overdraft Fees Waived
Money

How to Get Overdraft Fees Waived

If you don't keep a close watch on your checking account balance, making a debit purchase or writing a check without enough funds in your account to cover it could end up costing you. The average overdraft fee hovers around $35, and your bank could charge you multiple fees in one day. It's bound to happen to you at some point. Maybe a deposit you were waiting on didn't clear as quickly as you expected, or you simply weren't paying attention to your balance. Everyone makes mistakes once in a while, but is there anything you can do to reverse the charge?What Is an Overdraft?The available balance in your checking account is essentially a spending limit; you're not supposed to spend more than what you currently have on deposit. "An overdraft occurs when you try to withdraw more money than wha...
Can You Deposit Cash at an ATM?
Money

Can You Deposit Cash at an ATM?

These days, many financial transactions happen digitally. But if you find yourself with cash, you might be wondering if you can deposit it at an ATM. The short answer: Yes, it's possible.However, not all ATMs accept cash, and some of those that do charge fees. So if you want to deposit cash at an ATM, learn how to choose the right one and what steps to take next.Before You Go to Make a DepositIf you have cash that you'd like to deposit via ATM, it's a good idea to do a bit of prep work. First, you'll need to locate an ATM that accepts cash deposits. "Not all banks or ATMs will offer this feature," says Anthony Martin, CEO of Choice Mutual Insurance Agency.He says your best bet is usually an ATM that's associated with your bank or its network. For instance, Allpoint is a network of about 5...
EDvestinU Student Loans Review 2023
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EDvestinU Student Loans Review 2023

Borrower tip: Refinancing federal student loans into a private student loan can make you ineligible for certain types of protections, such as income-driven repayment plans, federal debt forgiveness programs and forbearance/deferment options through the Department of Education. Find the Best Student Loans for You Lender Learn More Fixed APR Variable APR Loan Term Lender Learn More Fixed APR Variable APR Loan Term Lender Learn More Fixed APR Variable APR Loan TermWhat Type of Student Loans Does EDvestinU Offer?EDvestinU offers both undergraduate and graduate student loans, as well as refinancing. U.S. citizens, permanent residents and international students with an eligible co-signer may qualify for a private student loan with EDvestinU.How Does EDvestinU Work?Potential bor...
20 Biggest Banks in America | Banking Advice
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20 Biggest Banks in America | Banking Advice

When it comes to choosing a bank, you have many options throughout the U.S. However, if you're looking for a bank with robust offerings and a large presence, it can help to start with one of the country's biggest banks.Read on to learn more about the 20 biggest banks in America that offer personal deposit accounts, based on Federal Reserve data as of June 30, 2023. This list excludes investment and business-only banks.1. JPMorgan Chase & Co.Established in 1799, JPMorgan Chase & Co. is a global investment bank and financial services company that's based in New York. It offers a wide range of banking products including deposit accounts, credit cards, home loans, auto loans and business banking. In 2023 it acquired First Republic Bank. Read the complete review of JPMorgan Chase &...
How Do Banks Handle Unauthorized Transactions?
Money

How Do Banks Handle Unauthorized Transactions?

Banking fraud is an unfortunate fact of life these days. At some point when reviewing your monthly checking account statement or online activity, you may notice a purchase you didn't make. What should you do next?If you find any unauthorized transactions have occurred in your checking account, it's important to handle the situation right away. When fraud involves a debit card rather than a credit card, the process can be a bit different.How Did Someone Else Get Access to Your Checking Account?There are a number of ways criminals can get their hands on your checking account information. It's possible that you lost your card and the wrong person found it. Criminals also set up card skimmers and hidden cameras to steal your account number and PIN at places like ATMs and gas pumps. Sometimes,...
How to Get a $20,000 Personal Loan | Personal Loans and Advice
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How to Get a $20,000 Personal Loan | Personal Loans and Advice

If you need to borrow a sizable amount of money – such as $20,000 or more – a personal loan may be your best option. Personal loans allow you to borrow money for just about any purpose, and perhaps borrow more than you could with a credit card. Plus, the interest rates are fixed, and often much lower than credit cards, payday loans and other expensive forms of financing – especially if you have good credit.So if you're in need of a $20,000 personal loan, try following these steps to get approved for the full amount.1. Check Your Credit Score.Your first step when attempting to get a personal loan should be to check your credit score.Lenders take into account your credit history and credit score to decide whether you are a good candidate for a loan.Credit score requirements vary by lender, ...
What Is a Joint Bank Account? | Banking Advice
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What Is a Joint Bank Account? | Banking Advice

If you share expenses and savings goals with another person, you might be looking for ways to make managing money together a bit easier. One tool that may help is a joint bank account. But before you open one, it's important to understand how they work and the potential risks.What Is a Joint Bank Account?A joint bank account is an account (such as a checking or savings account) shared by two or more individuals with equal access to the funds. Joint bank accounts are often used by married couples, but they can also be helpful to family members, business partners or any other group of people who need to share financial responsibilities."Having a joint account can make things easier if you share bills with another person so that you can see all income and spending in one place," says Kendall...
What Is a Shared Branch Credit Union? | Banking Advice
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What Is a Shared Branch Credit Union? | Banking Advice

Credit unions are designed to support the financial needs of the surrounding community. You may be apprehensive to join one if you travel a lot or need to perform banking services outside of your home neighborhood. The good news is that many credit unions have a solution for that concern: shared branching.What Are Shared Branches? Credit union shared branches are part of a network that allows members of one credit union to make transactions at another participating credit union as if it were their own. This is possible because of cooperative agreements among the participating credit unions.In other words, if you're a member of a credit union that is part of a shared branch network, you can walk into any other credit union in that network and conduct business as though you were at your hom...
Laurel Road Student Loans Review 2023
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Laurel Road Student Loans Review 2023

2023 Award Winner: Best Private Student Loan Refinancing LenderLaurel Road is a top choice for student loan borrowers looking to refinance at a lower interest rate, offering the most competitive fixed and variable rates of all the lenders we analyze. Borrowers are able to refinance their student loans with a co-signer to boost their chances of approval and potentially qualify for an even lower interest rate. For those who are on the fence about co-signing a student loan, Laurel Road offers a co-signer release option after the borrower makes on-time payments for 36 consecutive months. What Types of Student Loans Options Are Offered by Laurel Road? Laurel Road offers refinancing for undergraduate and parent student loans, as well as for some associate degree loans. How Does Laurel Road Work...