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Are you thinking about opening a checking account that has a complicated-sounding minimum balance? Did your checking account's terms just change? Let's clarify the different kinds of minimum balance requirements banks and credit unions put on checking accounts. Read more...
Second Chance checking accounts are designed for people who are not allowed to open normal checking accounts due to past banking behavior or bad credit. The reasons you may be disallowed vary, but once you build a bad history, you're reported agencies or networks like Chexsystem. When you request to open an account, banks and credit unions check these databases to see if you have a bad record. Read more...
Checking accounts come in all shapes and sizes, but banks and credit unions know that seniors and students use their accounts in distinct ways. Many offer student and senior checking accounts to appeal to these consumers, offering features that appeal to these groups like an "oops" for overdrafting (for students) and free checking printing (for seniors). Read more...
The Different Types of Minimum Balance Requirements
You may avoid the monthly fee for most accounts by maintaining a minimum balance.
Banks determine the balance requirements for their accounts in a few different ways. The following is a list of definitions of these requirements:
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