Beckley, WV Checking Accounts and Reloadable Debit Cards

Beckley Banks and Credit Unions in FindABetterBank

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Do You Know?

How ATM Withdrawal Fees Get Accessed

Many banks advertise 'unlimited withdrawals from our ATMs' with their checking accounts but advertised or not, most (if not all) banks offer this service. But when you withdrawal from ATMs that aren't your bank's, you may receive two charges:

  1. One from the ATM machine provider (an ATM vendor or other bank)
  2. And one from your bank

The first fee is displayed on the monitor of the ATM you use. The second fee is part of your account. If you use ATMs frequently, you want to find a checking account that offers low 'non-bank' ATM fees. This can be a $0.50-$3 charge from the bank ON TOP of the ATM's charge, which normally run from $1-$2, but may be much higher.

The Difference Between PIN or Signature Debit Purchases

When shopping with your debit card, you may have the choice to pay 'credit or debit.' A debit purchase requires you to give your PIN, and the cost of your purchase is charged to your account immediately. When you pay credit, you sign for the purchase, and the cost applies to your account within a few days.

The possible delay of a signature-based purchase could cause difficulties in two different ways. First, you'll have both an 'actual balance' and an 'available balance' until the transaction clears which can make things confusing. Second, some businesses (like gas stations) will put holds on a certain amount in your account when you make signature-based purchases -- maybe $100. That means when you're only buying $30 of gas, you cannot access the remaining $70 until the payment has cleared. And, if you're unaware of this hold, you may accidentally overdraft your account when you make a purchase before the hold clears.

Tips About Checking Accounts and Reloadable Debit Cards

Free versus Basic Checking Accounts

Free and basic checking accounts share many of the same qualities. Free checking accounts are really just basic checking accounts that do not charge a monthly service fee. Most free and basic accounts do not earn interest on balances and do not come with advanced account features. Read on...

What is Mobile Check Deposit?

Mobile Check Deposit is an application that allows you to take pictures of checks with your smartphone or tablet and deposit the funds into your bank accounts. If your bank offers mobile check deposit, you can avoid visiting a branch to deposit checks. Read more...

How To Avoid ATM Fees

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...

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