Totally Free Checking

Are you tired of paying fees each month for your checking account? Is it a burden for you to keep a high minimum balance in your checking account just to avoid paying those monthly fees? Do you just want a basic, hassle-free checking account that doesn't cost you money each month? If the answer to these questions is "yes", then a totally free checking account may be just what you're looking for. A totally free checking account is one in which there are no maintenance or activity fees associated with the account. There is no minimum balance requirement, no monthly fees, and no per check charges. A totally free checking account usually does not pay interest. People who do not plan to keep high balances in their checking accounts find that the minimal amount of interest they would earn in an interest bearing account usually does not offset the service charges they would incur. A totally free checking account is perfect for college students and young adults with basic checking needs. Totally free checking can be just right for anyone who wants a hassle-free, no-fee checking account.

Supermarket Banking

Sure, you can find an ATM machine at almost any supermarket. But, if you do business with a bank that knows how to keep up with the pace in our fast-changing world, they can handle all of your banking needs at one of their many convenient, full-service, Supermarket branches. Most of us have to make one or more trips to the supermarket during the week anyway, so why not save yourself time and fuel, and do your banking at the same time. And those old complaints about "Banker's Hours" don't really hold water any more. That's because supermarket banking offices are open on weekdays, Saturdays. and even on Sundays, so you can perform any of the banking operations that you would normally take care of at the local branch, right there at a local supermarket! Of course, if you do your shopping and banking on Saturday or Sunday, any transaction that you make will be posted the next regular business day. So stop going out of your way to take care of your banking business, and choose a bank that makes it their business to care about you!

ATM Banking

The world is a very different place now than it was when the first bank opened its doors to the public. Often, with the hectic schedules people keep today, they are just too busy to stop what they are doing and go stand in line at the bank to withdraw money. Merchants are becoming more and more reluctant to accept checks for the purchase of merchandise, let alone cash a check so you can have pocket money. So what are you to do? Join the countless others who take advantage of the technical advances at our disposal today and use ATM banking. An ATM, or Automated Teller Machine, is a convenient, quick, and easy way to do your business transactions at any time of the day or night. You can make deposits, withdrawals, transfer funds, make loan payments, any time you like, anywhere you like. Some ATM's even print up a statement for your records. With over 6,500 ATM sites around the world, convenience is just a few steps away.

Direct Deposit - Convenience and Security

When most individuals hear the words direct deposit, they immediately think of social security payments. But there is an ever increasing number of people who have a multitude of other payments made directly to their bank. If you're a busy working mother who has no time to go to the bank, payroll deposit may be the answer to give you more free time. If you're a retiree with no demands on your time, direct deposit may still make sense because you don't have to worry about your retirement check being misplaced or stolen. Before you enter any direct deposit program, check with your bank. They can make sure your account is set up correctly from the start and your checks will be there when you need them.

Bank-By-Phone

Most of us don't relish the idea of fighting the traffic to get to the bank. Sometimes, technology can be a wonderful thing. If you have a touch tone phone in your home and an ATM card, you may never need to go to the bank again. With the bank-by-phone service offered by many banks today, you've already got everything you need to check your bank balance or account activity right there, from the comfort of your home. You can transfer funds between different accounts or possibly set up an automatic payment plan to handle your monthly mortgage or car loan payments. All of this - seven days a week, 24 hours a day. For those of you who enjoy using a personal computer, some banks even have systems that allow for banking via modem. So take advantage of the state of art in banking today.

Checking Accounts

If you're in the market for a checking account, there are several factors that you should consider, such as minimum balance requirements and transaction limitations. There are three types of minimum balance requirements associated with a checking account. First, a minimum balance will be required to open a checking account. At most banks, a checking account can be opened for as little as $25. Second, there will be a minimum balance required to be on deposit in order to avoid a monthly service fee. Third, there will be a minimum balance required to be on deposit in order to earn interest. Some institutions limit the number of checks that may be written per month without a fee, and begin to charge a fee for each check thereafter.

Money Market Accounts

Money Market Accounts are savings accounts that have features similar to checking accounts. The interest rate can increase depending on the balance kept in the account. For customers who do not write more than three checks per month, and want the best return for their money, a Money Market Account may be the way to go.

Savings Accounts

If you are in the market for a savings account, there are several factors that you should consider, such as minimum balance requirements and transaction limitations. There are three types of minimum balance requirements associated with a savings account. First, a minimum balance will be required to open a savings account. At most banks, a savings account can be opened for as little as $25. Second, there will be a minimum balance required to be on deposit in order to avoid a monthly service fee. Third, there will be a minimum balance required to be on deposit in order to earn interest. Savings Accounts are subject to certain transaction limitations depending on the type of transaction.

Passbook Savings Accounts

For years, banks and savings institutions offered the passbook savings account. Many generations grew up with using the passbook as their only savings vehicle. The introduction of new technology to the banking industry offered other ways to set up savings accounts and slowly but surely, many institutions abandoned the passbook. Today, there are still many people who prefer having their deposits and withdrawals recorded in a passbook. It's a great way to teach a child to save since they can see their balance increase each time they make a deposit. Those institutions that have kept passbooks have used the advances in technology to make the account more convenient. Simpler interest postings and "no book" transactions are now possible.