Compare checking accounts and reloadable debit cards from Clover, SC banks and credit unions for free
Most checking accounts come with free debit cards. These cards allow you to make purchases and withdraw money from ATMs. These ATMs ("Automatic Teller Machines") allow you to check your balance, withdraw and deposit money, and transfer money between your accounts. Read more...
Online Banking offers you unprecedented access to your account history and check images, and includes many features that make the trip to the branch a thing of the past! If you've never used online banking or wonder if your bank's online banking service are up to par, read on. Read more...
An overdraft occurs when you make a purchase or transaction that takes your account into a negative balance. You may overdraft when you write a check, make a debit card purchase, or commit any transaction that pulls too much money from your account. You can avoid this trouble altogether by keeping track of your account's balance in a ledger or checking your balance frequently through online or mobile banking. But dire situations might require you to overdraft sometime, so it's good for all account holders to understand the overdraft policies. Read more...
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.