Fort Ashby Banks and Credit Unions in FindABetterBank
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How to Close a Checking Account
The actual process of closing the account can be done fairly quickly, but preparation that needs to be completed beforehand. Since checking accounts are usually the center of many consumers’ financial existence, there’s lots of transactions flowing in and out of them. It’s important to take the proper steps to switch your automatic transactions into your new account before closing your old one. Most institutions allow you to close your checking account at a branch or over the phone, but be aware that some charge a fee if an account is closed within a certain period of days of it being opened.
What is mobile check deposit?
Mobile Check Deposit allows you to deposit checks into your bank account by taking a picture of the front and back of an endorsed check with a compatible smartphone or tablet. Most banks do not charge a fee for mobile check deposit. It’s usually included with the institution’s mobile banking application. In some cases, banks pose limits on the check amount or number of checks you can deposit. Some limits are set per check, per day and per month. Banks may also restrict the type of check being deposited. Be sure to check with your bank before making any deposits.
Tips About Checking Accounts and Reloadable Debit Cards
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...