Banking
12 articles
My husband and I mulled over a refinance for several months. Our mortgage was rolled over to another banking institution when Washington Mutual folded, and we never really enjoyed the service. The clincher came when I called to talk about options and interest rates. I did my homework: I checked rates online, pulled my credit report, and
Until about five years ago, I used to carry my checkbook everywhere. In fact, some of my purses even had a special compartment that provided easy access to my oft-used pad of checks. Nowadays, however, I leave my checkbook at home. In fact, I can’t remember the last time I wrote a paper check. This change
The best way to ensure that you build wealth and avoid debt is to diligently plan and save as much money as possible for both future needs and desires. However, exactly how you handle your savings can depend greatly upon your financial habits. Some financial experts recommend setting up a simple savings account tied to
Until President Richard Nixon took the United States off the gold standard in the 1970s, American cash was redeemable for gold or silver. Currently, the U.S. is on a system using fiat currency via the Federal Reserve, as the value of money is based on faith in government and law. While the Federal Reserve maintains
When it comes to managing your money, verifying your credit card and debit card statements is an important part of the process. But how many of us really do this on a consistent basis? I know I don’t. Sure, I look through my statements, but if I see a charge that I don’t specifically remember,
Conservative investors who are disappointed with the mediocre rates of interest offered on their local bank’s CDs may want to explore the world of brokered certificates of deposit. These unique instruments resemble those that are sold in bank lobbies in some respects, but there are critical differences between them. Brokered CDs can be a valuable addition to
When my husband and I were married in 2003, we transitioned to a joint bank account. It seemed like something we were supposed to do; plus, we had received a bunch of money as wedding gifts. As it turns out, my husband and I have completely different spending and saving habits – something we neglected
Most of us are always on the lookout for ways to cut the amount of time we spend on mundane chores. One of the ways online banking has helped free up our time is through the advent of automatic bill pay. You can set up automatic payment plans for utility, entertainment, household, and other bills.
The HSBC Premier Online Savings Account is an online savings account built for consumers who want to do all their banking under the same roof. That’s HSBC’s roof, to be clear. HSBC Premier Savings has a modest yield on eligible balances, no monthly maintenance fee with a qualifying customer relationship, and automatic transfers between your
Banks are constantly being gobbled up by larger financial institutions looking to expand their empire. This trend can be extraordinarily frustrating if you’ve spent a long time with a bank you like and then a larger one takes it over and changes all the rules. Getting accustomed to the changes can be unsettling and even
Recently, I’ve been looking to switch banks and find a new partner to support my banking needs. For now, I’m searching for a personal account, but eventually, I’ll need business banking solutions as well. Therefore, I need to weigh both the business and personal products offered by the banks I’m considering. Though I have not
If, like many Americans, you’re fed up with big bank fees and poor customer service, you might be considering other options when it comes to banking. Three of the most popular alternatives are online banks, credit unions, and small local banks. While switching financial institutions is a good idea in the long run, the initial
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