Compare checking accounts and reloadable debit cards from Ames, IA banks and credit unions for free
Online Banking Accounts offer features and services unique from traditional checking accounts, including remote deposit, ATM fee rebates, Surcharge-Fee ATM Use, and higher interest rates. Read on to learn more or use FindABetterBank to find the checking account with the features you want. Read more...
In recent years, both banks and credit unions have offered rewards checking accounts with terrific interest rates -- sometimes up to 6.00%. While the interest rates have cooled off, the accounts still offer great benefits like no fee ATM withdrawals and even ATM Rebates. Read more...
For many consumers, their checking account is the center of their financial existence because it’s where paychecks are deposited, bills are paid and spending money is stored. Because there is so many transactions flowing in and out of these accounts, it’s crucial to close your checking account properly in order to avoid unwanted blunders. Read on...
Who Regulates Banks and Credit Unions
Nowadays, consumers need to know a lot more about how banks and credit unions work in order to feel confident about the security of their savings. The most important thing is to make sure your deposits are federally insured by either the FDIC or the NCUA. So even if your bank fails, your money is safe. This safety net is paid for through our taxes and premiums paid by banks and credit unions to insure the deposits.
So who's watching these institutions? Banks and credit unions that offer consumers federally-insured checking accounts are regulated by different federal agencies. Each state also has a department that watches over the banks in their state. There are 3 primary federal agencies that regulate banks and credit unions. Within these agencies their are different 'offices' or 'departments' that oversee and regulate different aspects of the banks' operations (their acronyms are long). Here are the 3 main agencies:
We conduct our own research for all the institutions listed.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.