Banking/Loans Sitemap - Page 2 2016-09-26

Virgin Money - Lending Service Overview
Virgin Money is a person to person lending service that allows you to structure formal loans with people you know. Through person to person lending, you skip the bank and borrow from an individual (or group of individuals). This page is an overview of Virgin Money and the various person to person lending options there.

Person to Person Loans: How to Borrow with P2P
P2P loans are loans between individuals. Learn how they work and how to borrow using person to person loans.

How a Line of Credit Works - Overview
A line of credit is a pool of available money that you can borrow from. Find out how they work and how they differ from other loans.

Loan Workout Programs - Negotiating your Debt
If you're unable to repay your loans, try working out a solution with your lenders. You might be able to pay less (at least temporarily).

How Credit Scores Work
A credit score is a number that lenders use to help make decisions about your loan application. See how credit scores work and what matters most.

Online Lenders with Unique Ways to Borrow & Consolidate
Online services give you more options for personal loans. New lenders appear every day, and some work with borrowers who have bad credit.

What to do When you Can't Make a Loan Payment
Take action if you can't make your loan payments. See how to minimize damage to your credit (and your finances) and get back on track.

- By Category
An index of categories in the

How to Write Out Numbers Using Words - Tips and Rules
See how to write out numbers on checks and other documents. Tips for clarity, and examples of each rule.

What Does APR Mean? What Does It Tell You About a Loan?
Learn what APR means when you borrow money. Compare the cost of loans with the Annual Percentage Rate (APR).

Irrevocable Letter of Credit
An irrevocable letter of credit allows importers and exporters to trade with confidence. Banks guarantee payments as long as sellers provide certain documents.

What is a Voided Check? Definition & Sample Photo
What is a voided check? It's a blank check that has the word

When to Refinance a Mortgage and What to Avoid
When should you refinance? When you'll save money and avoid causing problems. See what can go well, and where things can go wrong.

How Long to Wait After Depositing a Check?
How long should you wait after you deposit a check -- especially if you think the check might bounce? Is it safe to spend the money immediately?

Can you Cash a Check Instantly?
You've been paid with a check. Do you need to wait before cashing it, or can you take it to the bank immediately? There's generally no good reason to wait.

Cashier's Checks - Overview, Fees, and Tips
See how to use cashier's checks, how much they cost, and what the risks are.

Debit and Credit Transaction and Fee Differences
Why are you asked if your debit card should be processed as

Debit Card - Intercharge Fees, Blocks, and Risks
Using a debit card as a credit card? Make sure you know what you're getting into. Page 2.

How Free Checking Really Works
Free checking still exists, and there are two ways to get it. Here are some ideas on where to find your next account.

Basic Banking Account at HSBC - Review
HSBCs Basic Banking account is a decent low-fee checking account. It's not free, but it's packed with features if you can't get a free account.

Stolen Debit Cards: What to Do and What's at Risk
If your debit card (or just your card number) gets stolen, act fast. You might be responsible for any charges, but moving quickly reduces your risk.

Washington Mutual Free Checking Review (now Chase)
The Washington Mutual free checking account no longer exists. Find out what's changed after the bank's failure and how to keep banking for free.

ACH Processing Basics - Pros & Cons, Tips
Learn about the pros and cons of using ACH to process payments. Plus, tips on signing up with the right provider.

How to Endorse a Check to a Business
See how to endorse a check payable to your business. It's best to deposit into a business checking account (not your personal account).

How Bank Reconciliation Works (Why It's Important)
Reconciling your accounts helps you identify problems and prevent fraud. See how it works and what to look for.

Central Bank - What is it and What does it Do?
A central bank is responsible for managing monetary policy and bank activity. The US central bank is the Federal Reserve, or 'the Fed'.

Collateral Loans - Borrow Against Your Assets
Collateral helps you get your loan approved (often at better rates), but you have to pledge assets that can be taken and sold if you fail to repay.

Commercial Bank: Banks for Businesses
A commercial bank is a bank that primarily works with businesses: business accounts, loans, letters of credit, and other specialized services.

What are Investment Banks and What do they Do?
Investment banks help businesses work in the financial markets: raising money in stock and bond offerings, mergers, and more.

How Letters of Credit Work - Agreements to Pay
A letter of credit is a bank document promising payment (if certain conditions are met). LOCs are common for import/export and domestic transactions

How Lockboxes Help Businesses Collect Payments
Lockbox services make payments faster. An organization can set up mailboxes for receivables around the country and have the bank handle payments.

What Is a Lockbox Payment?
What is a lockbox payment? With this definition and examples, learn more about how these payments allow organizations to streamline receipts.

Online Banking - How it Works, Pros and Cons
Online banking allows you to view and manage accounts through the internet or phone. Learn what's possible.

ING Direct Orange for Business Savings Account - Review of the ING Direct Business Account
ING Direct has an online savings account for businesses. This page gives an overview of the ING Direct Orange for Business savings account.

Retail Banks: Overview and Services
A retail bank works with consumers (also known as

How to Get a Small Business Loan, Where to Borrow
Learn what it takes to borrow. Get prepared and find the right lender for your small business loan.

How to Get Startup Business Loans and Other Funding
See how to fund your startup business using loans from banks, online lenders, and others. Know what to expect so you improve your chances.

What are the Different Types of Banks?
Different types of banks do different things. While some work in multiple areas, some specialize (retail, commercial, or investment, for example).

Pros and Cons of Hard Money Loans
Hard money lenders offer loans that your bank can't: they move quickly and lend based (mostly) on collateral instead of credit scores.

Business Credit: How it Works and How to Get It
Business credit does more than just allow you to borrow - it enhances credibility. See how it works and how to establish credit for your business.

Ally Bank Review: The Pros and Cons
With this review of Ally Bank, learn how it made a splash in the online banking world when it debuted and about its product offerings.

Tax Levy: Overview and Tips
If you owe money to the IRS or other tax collectors, a levy allows them to take assets (including cash in bank accounts, property, and more).

Personal Guarantees: A Business Loan on Your Credit
Lenders require a personal guarantee when a business does not have an established history of borrowing and repaying (or sufficient collateral to secure a loan).

FHA 203k Loans: Basics, Costs, and Pitfalls
A 203k loan allows you to borrow money to purchase and improve a property. See how these loans work and learn the pros and cons.

FNBO Direct Online Banking Solutions - FNBO Direct Review
FNBO Direct offers accounts for customers who primarily use online banking. Online bill pay services and mobile banking features are part of FNBO Direct bank account lineups.

Capitalized Interest - Pay More Later
Capitalized interest is interest that gets added to a loan. Instead of paying interest charges as they accrue, you pay those costs later.

Unsubsidized Loan Basics - Unsubsidized Borrowing
When using an unsubsidized loan, you are responsible for all interest costs. Nobody (the government or a local organization, for example) pays interest for you. Unsubsidized loans are more expensive than subsidized ones, but they’re easier to get.

Are My Accounts Safe (or Insured)? What to Expect
Are your accounts safe and insured? What happens if your bank, investment company, or employer goes belly-up?

What to Do in a Bank Robbery - How You Should Act
Bank robbery is too common in the US. If you’re ever in the bank when there is a bank robbery, you need to know how to handle yourself. A few simple tips will help you survive the incident and perhaps catch the robber.

What to do in a Bank Robbery 2 - After the Robbery is Over
Bank robbery is too common in the US. If youre ever in the bank when there is a bank robbery, you need to know how to handle yourself. A few simple tips will help you survive the incident and perhaps catch the robber. Page 2.

How to Spot Cashier's Check Fraud - Examples of Scams
Cashier's check fraud is one of the most popular crimes in the internet age. Once thought to be safe, these checks now require extra attention. Learn the red flags.

2 Credit Card Scams that Come by Phone
Credit card scams often use old-fashioned tools like the phone to steal your information.

Depositing at an ATM: Usually (but not Always) Fine
Deposits to ATMs usually work. But there are some risks and drawbacks to be aware of.

How to Tell if Your Bank Is Safe or in Trouble
Is your bank safe? Banks are supposed to be a safe place for cash, but there may be red flags that a bank is in trouble. Learn the signs.

The Texas Ratio Helps you Evaluate Banks
The Texas Ratio is can help you determine how risky a bank is. If the bank has too much exposure to bad assets, it might go bust.

Before You Take a Money Transfer Job
Money transfer jobs sound like easy money. But they're often a scam or part of a money laundering operation.

What is the FDIC? Overview and a Brief History
The Federal Deposit Insurance Corporation (FDIC) is a government agency that tries to make banking safer for consumers in several ways.

How First Time Home Buyer Loans Work
For your first home purchase, you might benefit from a first time home buyer loan. But there are always strings attached. Learn how these programs work and whether or not they make sense for you.

40 Year Mortgages - Pros and Cons of a Really Long Loan
40 year mortgages are loans scheduled to be paid off over 40 years. While they keep payments low, there are some problems that come with stretching a loan out.

50 Year Mortgages: Low Payments at a Price
Let's get into detail about how 50 year mortgages work and whether or not they're right for you.

Pros and Cons of Adjustable Rate Mortgages
Adjustable rate mortgages (ARMs) are home loans with a rate that varies. As interest rates rise and fall in general, rates on adjustable rate mortgages follow. These can be useful loans for getting into a home, but they are also risky. This page covers the basics of adjustable rate mortgages.

Managing ARM Mortgage Rates - When ARM Mortgage Rates Change
ARM mortgage rates can change dramatically. To protect yourself, you need to know how these things work. This page covers the ways that ARM mortgage rates change. Page 2.

Calculate your Mortgage Payment & More
Calculate your mortgage payment and understand the other costs and aspects of your loan. Do it by hand or have a computer do the work for you.

How Points Work on a Loan: Should you Pay Points?
Points can help reduce your interest rate (which lowers your monthly payment and interest costs). See when it makes the most sense to pay points.

Low Documentation Loans: Still an Option for Some
Low documentation loans allow you to borrow with less proof of income and assets. Find out how they work and who can use them.

What Caused the Mortgage Crisis?
In 2007, the US economy entered a mortgage crisis that caused panic and triggered other financial problems. Review how the mortgage crisis unfolded.

Guide to Mortgage Refinancing
Refinancing a mortgage can help you save money, or it can be an expensive mistake. Here's how to tell if it's a good idea.

Debt to Income Ratios: Overview and Calculations
A debt to income ratio shows how much of your monthly income gets used up by debt payments. Lenders look for lower ratios and good credit scores.

When does it Make Sense to Refinance? More than the Breakeven Point
Does it make sense to refinance? Only if you’ll save money or solve a problem. Learn about the breakeven calculation and everything else you should look at.

What Is the Definition of the Interest-Only Period?
What's the definition of an interest-only period? It's a period of time in which you only pay interest on a loan. Learn how this affects consumers.

Negative Amortization Loans - A Loan that can Grow
A negative amortization loan is a loan that doesn't get smaller as you make payments (it gets bigger). In other words, you're not paying back any principal.

Option ARM Loans - Overview of Option ARM Loans and Risks
Option ARM loans are mortgages that give a borrower a choice on how much a given payment is. While their flexibility makes them appear attractive, option ARM loans can be quite dangerous. This page offers an overview of option ARMs.

Payoff Letters: Mortgages & Other Loans - Debt Free
See how a loan payoff letter helps you get rid of your mortgage and other debts. Get the specifics and go debt free.

Can You Transfer a Mortgage? Your Options
Transferring a loan is ideal if you've got somebody to take over payments. Some loans allow this, while others make it more difficult.

Foreclosure Advice to Avoid
When your home is on the line, it pays to get good foreclosure advice. Where can you get useful information? Friends and family may offer foreclosure advice, but usually aren’t the best source. Find out where to get truly useful foreclosure advice and what to avoid.

How Home Equity Works and How to Use It
Home equity is your share of your home's value. That money is available for loans and for other purchases. Learn how it works.

Recast a Mortgage for Lower Payments
When you get a home loan, you usually pay it off with a fixed monthly payment. Those payments don't change unless you recast your mortgage. When your mortgage is recast, your lender calculates a new amortization schedule based on a new, lower loan balance.

Mortgage Recast vs. Refinance: Which is Best?
Whether you recast or refinance your mortgage, you can end up with lower payments and interest savings. Learn about the pros and cons of each.

What Happens if I Make a Lump Sum Payment?
See how a large lump-sum payment affects your loan's interest costs, the length of time it takes to repay, and your monthly payment.

Be Sure that Money Order is Good Before you Take It
Make sure a money order is real (and that it hasn't already been used) before depositing or cashing it. See how to tell if there's a problem.

How to Make Payments Using Money Orders
Not sure how to pay for something with a money order? See an overview of the entire process.

Basics of ACH Payments
ACH payments can help reduce errors, speed things up, and save resources. Learn more about the benefits and costs and why you should be using it.

Wire Transfers: How they Work & Why to Use Them
Bank wire transfers are a good choice for sending money quickly. Find out how they work: security, speed, cost, and more.

Bank Wires: How to Send or Receive Funds
Wire transfers are the fastest way to send 'cleared' funds. See how to send or receive money

What Are Funds Available in Your Bank Account?
Your available balance is what your bank will let you spend, but it might be less than you expected.

Funds Availability: Rules on Holding your Deposits
Your bank's funds availability policy tells you how long your deposits will be held. Know what to expect so you don't miss payments.

How to Cash a Money Order: Where to Go and What to Do
Learn how to cash money orders while minimizing fees. Money orders can be cashed or deposited just like checks​.

Money Order Scams: Protect Yourself from Fraud
Money order scams involve payment with a fake money order – followed by a request to send cash or merchandise. See how to protect yourself.

How to Fill Out a Money Order - Instructions
See how to fill out a money order. Start by writing the name of the person or business you want to pay.

Get the Most Bang for Your Buck With a Money Order
Money order costs vary by location. But many places sell them for approximately a dollar. See selected locations and pricing plus additional services.

Making a Deposit: Definition in Money and Banking
The definition of deposit generally refers to leaving or putting money into a bank account—Learn examples how the term is used in the financial world.

What is Credit? Why Scores and Credit Reports Matter
You need good credit, but what is credit? In order to improve your credit you need to know how it works, what hurts it, and how to manage it.

How Risk-Based Pricing Affects Your Loan
Risk-based pricing is a way for lenders to set prices according to risk. If a borrower is risky, risk-based pricing causes that borrower to pay more.

What Factors Affect Credit?
Credit is important, but what factors affect credit? There are a lot of myths about how credit scores work and what affects your credit in general. Find out how your credit works and see frequently asked questions about what really affects your credit.

How Bounced Checks Affect your Credit (Or Not)
Bouncing a check will not immediately hurt your credit, but there are several ways they can drag down your scores.

Free Credit Information - How to Get Free Credit Reports and Scores
Is it really possible to get information about your credit for free? Yes, but, you need to know where to look and what to avoid.

How Income Affects your Credit Scores
Your income does not directly affect your credit scores, but it is a factor in getting approved for a loan. See how income is used by lenders.

Do Utility Bills Affect Credit? Increasingly, Yes
Utility bills usually don't affect your credit (unless you pay late), but that's changing.

What is Bad Credit? Risks of Bad Credit
So, you’ve heard your credit is not where it should be. What is bad credit anyway? To improve your situation you need to understand what bad credit is and how to fix it. Let’s take a closer look at your credit and how it affects you.

How to Get a Loan Without a Cosigner
When lenders don't approve your loan application without a cosigner, you still have options. See how to get loans and lines of credit on your own

Do Checking Accounts Affect Your Credit?
Want to know the link between credit reports and your checking account or how banking history can affect your credit? Get the facts with this review.

How to Fill Out a Deposit Slip
When you add money to your bank account you have to fill out a deposit slip. This tells the bank what to do with the funds, and helps create a paper trail for the transaction. Learn how to fill out a deposit slip so you can sail through the teller line and get everything done correctly.

Compass Online Banking -- A "Second Chance" Checking Account
Learn about the Compass Online Banking Second Chance account if you're recovering from financial difficulties and you're ready to start over.

The Bank Says I Need a Cosigner. Now What?
If your lender says you need a cosigner, it's time to review your credit and evaluate your options for using a cosigner (or apply for another loan on your own).

Discover Cashback Checking Review
A review of the Discover Cashback Checking account. 10 cent rewards - are they worth it?

Review: Emigrant Direct American Dream Savings Account
Learn about the American Dream Savings Account from Emigrant Direct: an online-only savings account.

ING Direct Orange Savings Account
Learn the basics about the ING Direct offer, and find out about any extras.

How to Set Up Online Bill Pay
Online bill pay can help you manage your bills without having to worry about paper bills and checks. This FAQ covers the various types of online bill pay and how you can set up online bill pay quickly and easily.

Making Popmoney Payments Is a Snap at US Bank
Learn more about how to transfer cash with your cell phone. Mobile banking options now allow customers to use cell phones to send money.

Citizens Bank - About Citizens GreenSense Checking Account
Review of Citizens Bank and the GreenSense rewards debit card. Learn about Citizens Bank checking and bank fees.

USAA Checking: Online Banking Review
USAA's checking account offers everything you'd expect, and customers love it. Learn what to expect from your account.

Wells Fargo Online/Mobile Banking Review
A review of online banking at Wells Fargo, including your options for managing accounts (apps, website, and more).

Comparing U.S. Bank vs. Chase: Free Checking Accounts
Does it really mean no cost when you open a free checking account with a big bank? Find out what you get when you choose Chase or the US Bank options.

GoBank Review: Walmart Bank Services
Learn about the pros and cons of GoBank, Walmart's low-fee (or free) checking account.

Can I Spend & Write Checks from a Savings Account?
You can not write checks from most savings accounts. Find out why, and see what options you have for spending your money.

Huntington Bank's Free Overdraft Protection Program
Life is busy for most people. Huntington Bank offers 24 hour grace, allowing customers 24 hours to clear overdrafts. Huntington Bank's free overdraft protection offers a new approach for consumers.

Best Credit Unions for Federal Government Employees
Two great credit union choices (plus one bank) for federal government employees. Credit unions offer low fees and interest rates.

Big Four Banks Voted Among Worst US Companies
The Consumerist chooses the worst banks based on customer reviews, with big banks leading the pack.

Getting an Auto Loan? Here's What you Need to Know
A good auto loan can save you thousands. See what to focus on and what to ignore when you borrow to buy a car.

B of A Keep the Change Program: Pros and Cons
Bank of America can help you save by transferring small amounts from your checking account to savings. Can this program make a difference?

How Savings Accounts Work, Why you Need One
Savings accounts are a safe place to keep money that you're not going to spend right away. They pay interest and help you reach your goals.

Savings Account Interest Rate Scorecard - A Sampling of Rates Online
The Savings Account Interest Rate Scorecard highlights a few of the best accounts available online. If you're looking for a quick answer on where to earn a decent rate, this is the place.

Which Bank to Choose? Picking the Right Account
It's time to open a bank account, but you may be unsure which bank to choose. Of course, the right bank depends on your needs and circumstances. To help you along, let's review some common factors in how people decide which bank to choose. You'll get some ideas, rule out what's not important, and know for certain which bank to choose.

10 Tips for Prosper.com Borrowers
In order to get money (and get it at a reasonable rate) you have to create a good listing. This page covers the essentials of creating a loan listing at Prosper.com.

Build Credit - Establish a Solid Credit History
Building credit helps you show lenders that it’s a good decision to approve your loan. If they don’t have any information on you (or if the information is not flattering), you need to build credit. Find out how.

How to Know when Refinancing Works & When it Doesn't
Most refinancing calculators only show you a breakeven point. This is useful information, but you need to take a closer look to make the right choice.

How to Ruin Your Credit
Done with credit? Here's how to make sure your scores stay low for a long time.

The FICO Credit Score - How the FICO Credit Score is Composed - How to Improve
One of the most commonly used scoring tools is the FICO credit score. It’s important to understand how the FICO credit score is determined. There are just a few pieces to the puzzle, and focusing on these pieces can help you improve your FICO credit score.

How to Improve Credit Scores - Using FICO Components to Improve Credit Scores
Now that you know all about how the FICO credit score works, let’s look at ways to improve credit scores. The previous page showed you the components of your credit score, and this page shows you how to focus on some of those components. Consumers improve credit scores by working on these components one-by-one. Page 2.

How to View Your Free Credit Reports Every Year
Every year, you're entitled to one free copy of your credit report from each credit reporting agency. Don't pay fees when you don't need to.

In School Deferment Overview
In school deferment allows you to stop (or reduce) your student loan payments if you're enrolled at least half-time.

How New Loans Affect Credit Scores
Loans are the most important factor in your credit. See how new loans (and existing debt) affect your credit scores, and how to minimize damage.

How to Get a Private Loan With Bad Credit
Today you have more options than ever for borrowing money. See where to borrow without putting your money or your identity at risk.

Calculate Loan Payments & Costs: Formulas and Tools
Calculate loan payments and costs for different types of loans. Home and auto loans, as well as personal loans and credit card debt.

How to Calculate Loan Payments and Costs
When getting a loan, it helps to calculate loan payments and costs. Use that information to compare loans and determine which one fits your needs. You can calculate loans yourself using formulas, or use an online calculator. Learn your options and how to calculate loan specifics.

How to Calculate Interest on a Loan
See how to calculate loan interest costs, with details on installment loans (like home and auto loans) as well as credit card debt.

Bank Levies and Garnishment
It is possible for lenders to take money from your paycheck and (sometimes) your bank account. Find out how it works.

How to Pay Off Debt Early and Save Money
You can save a lot of money if you pay off debts quickly. The methods below will improve your chances. Before you choose one, make sure you understand how to pay off debt early with each lender. There may be fees or special steps you need to take.

Installment Loans: Simple, but not Always the Right Choice
With installment loans, you borrow in one lump sum and repay over time. Learn what to expect when using these loans.

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How Compound Interest Makes Your Money Work for You
Compound interest makes your money work hard for you. This page shows how compound interest works and why it is important to start saving as soon as possible. You'll see an example with pictures, and we provide a free online compound interest calculator.

Consolidate Credit Card Debt - Step by Step
See how to consolidate your cards to reduce costs and simplify. Find the best loans and keep the debt from coming back.

Bank Fees you Need to Stop Paying
Bank fees eliminate your interest earnings and can drain your account. Find out how to avoid the worst of them.

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Never Write a Check
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Let's see why you should strive to never write a check again.

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Calculate Credit Card Payments & Costs
Trying to understand how credit card payments work? See how to calculate payments, interest, and more as you manage your debt.

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Parts of a Debit or Credit Card
The front of your card shows the card number, your name, expiration date, and more. See what goes where and how it's used.

Back of a Debit/Credit Card - Stripe, Security Code, and More
The back of your card is where the magnetic stripe, security codes (or CVV code), and other items are found.

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How to Pay off Credit Card Debt for Good
Paying your credit cards off is easier when you've got a plan. See how to do it and what to avoid in the process.

Back of a Check (Instructions: Sign and Read a Check)
What happens on the back of a check? Find out what each section is used for, and who needs to sign where.

Back of a Check (Instructions: Sign and Read a Check)
What happens on the back of a check? Find out what each section is used for, and who needs to sign where.

Back of a Check (Instructions: Sign and Read a Check)
What happens on the back of a check? Find out what each section is used for, and who needs to sign where.

How to Refinance - What Steps are Needed to Refinance a Loan?
Refinancing a loan may allow you to save a lot of money. If you’re not sure how to refinance, get up to speed on the steps you’ll take and what’s most important.

CreditReport.com Review - Basics of CreditReport.com
CreditReport.com is an online service offering access to your credit reports and scores. You may find free trial offers at CreditReport.com, and you may also sign up for ongoing paid programs. Let’s take a quick look at CreditReport.com and what you get.

What is a Credit Score? - Overview - What is a Credit Score Used For?
Credit scores are important, but what is a credit score? A credit score is a number that says something about you and your borrowing history. To understand what a credit score is and how you can get a better one, you need to know a few things about credit.

Can I Get an Unsecured Loan With Bad Credit?
While difficult, it is possible to get an unsecured loan even if you have bad credit. Learn what your options are and how attractive each one is.

Negative Equity Mortgage—Can I Still Refinance My Home?
Wondering how you can refinance the loan on your home with a negative equity mortgage? Find out how it all works and learn the two ways to go about it

Fixed Rate Mortgages: The Basics of a Plain-Vanilla Home Loan
Fixed rate mortgages allow a borrower to know in advance what all future payments will be. Find out how to get the best fixed rate mortgage,.

How to Get Government Mortgage Help
The financial crisis led to a variety of government mortgage help programs. Unfortunately, they can be difficult to find. Advertisements talking about new legislation rarely lead you down the right path. Let’s review what the programs are, and where you can find real government mortgage help.

High Risk Mortgages - Look Before you Leap
Any loan is slightly risky, but these mortgages can get you in over your head quickly. Find out what to watch for.

When Home Mortgage Refinancing Is Not a Good Idea
Home mortgage refinancing is not always a good idea. Sometimes it can save you money. Other times it can get you into trouble. Understand the risks.

Pros and Cons of Interest Only Loans
Interest only loans result in lower monthly payments, but there are pros and cons to that

Closing Costs - Manage Your Mortgage's Closing Costs
A description of how to manage closing costs. Just because one provider has lower closing costs doesn't mean it's your best bet. You have to look at your mortgage as a complete package -- including closing costs, interest rates, restrictions, and other features.

Virgin Money Family Mortgage - Full Servicing Program
The Full Servicing package does everything the Basic package does, as well as handling servicing. Learn the basics of Virgin Money's fully-serviced family mortgage program.

Balance Checking Accounts - Step by Step Guide
It is important to balance checking accounts regularly. You'll reduce the chance of bouncing checks, you'll pay less in fees, and you'll know if somebody is stealing your identity. How do you balance checking accounts? See our simple step-by-step process on balancing the books.

Balance Checking Accounts - Step by Step Guide
It is important to balance checking accounts regularly. You'll reduce the chance of bouncing checks, you'll pay less in fees, and you'll know if somebody is stealing your identity. How do you balance checking accounts? See our simple step-by-step process on balancing the books.

Balance Checking Accounts - Step by Step Guide
It is important to balance checking accounts regularly. You'll reduce the chance of bouncing checks, you'll pay less in fees, and you'll know if somebody is stealing your identity. How do you balance checking accounts? See our simple step-by-step process on balancing the books.

9 Answers About Student Loan Consolidation
Student loan consolidation lets you gather several loans in one place. There are a number of ways to do it and things to watch out for, so educate yourself before you do anything.

Student Loan Consolidation FAQ
Student loan consolidation lets you gather several loans in one place. There are a number of ways to do it and things to watch out for, so educate yourself before you do anything.

APR Mistakes - Get the Wrong Mortgage by Comparing APR
A smart borrower will shop the market. As you compare loans, you may use the annual percentage rate (APR) as a yardstick. However, APR can lead you astray. This page discusses the pitfalls of using APR to compare loans.

APR Mistakes - Get the Wrong Mortgage by Comparing APR
A smart borrower will shop the market. As you compare loans, you may use the annual percentage rate (APR) as a yardstick. However, APR can lead you astray. This page discusses the pitfalls of using APR to compare loans.

APR Mistakes - Get the Wrong Mortgage by Comparing APR
A smart borrower will shop the market. As you compare loans, you may use the annual percentage rate (APR) as a yardstick. However, APR can lead you astray. This page discusses the pitfalls of using APR to compare loans.

7 Sins of Family Loans - How Family Loans go Bad - Ignoring the Alternatives
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

7 Sins of Family Loans - How Family Loans go Bad - Putting The Lender at Risk
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

7 Sins of Family Loans - How Family Loans go Bad - Not Following Tax Laws
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

7 Sins of Family Loans - How Family Loans go Bad - Not Following Other Laws
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

7 Sins of Family Loans - How Family Loans go Bad - Not Documenting the Loan
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

Kiva.org - How Kiva.org Does Microloans
Kiva.org is a microlending site making it easy for lenders to make small loans and track them. Kiva.org is a 501c3 non-profit public benefit corporation. Loans as small as $25 go to very small businesses in the developing world.

7 Sins of Family Loans - How Family Loans go Bad - Not Securing the Loan
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

7 Sins of Family Loans - How Family Loans go Bad
Family loans can be a great way to help a member of the family. They can create win-win situations, or they can ruin relationships. Let’s review some of the most common family loan pitfalls so you know what to avoid.

Hard Money Loan Pitfalls - Before You Use a Hard Money Loan
A hard money loan is not always the best choice. While it seems simple - the asset secures the loan so everybody’s safe - hard money is only one option. It is expensive, so things have to work according to plan for profits to materialize. A hard money loan is different than loans you may have used in the past. Lenders use more conservative methods to value property than you may expect.

Dangers of Secured Credit Cards - Avoid Common Problems With Secured Credit Cards
Secured credit cards can help you build credit. However, they can be expensive and they are sometimes marketed by dishonest 'lenders'. Find out how to avoid common pitfalls when using a secured credit card.

Four Reasons to Keep a Physical Check Ledger
Writing down expenses using a check ledger has many added benefits.Here are four reasons why you should use one instead of doing everything online.

Student Checking Account at US Bank - Student Checking Review
The student checking account at US Bank offers low minimums. Online banking and mobile banking help make US Bank student checking a good option.

The Biggest Banks in the United States
Learn more about the big banks, which hold almost half of all deposits in the United States with retail and commercial divisions.

Checklist for Divorce and Debt - Steps to Take When Getting Divorced
If you're getting divorced and you've borrowed money, you'll need to set things up for a clean break. Find out what steps to take and what your risks are. Make it easy to get back on your feet with solid credit.

Where to Cash a Check (Sometimes for Free)
Where can you cash a check (preferably for free)? Your best bet is your bank, but there are several other options.

9 Answers About Student Loan Consolidation
Student loan consolidation lets you gather several loans in one place. There are a number of ways to do it and things to watch out for, so educate yourself before you do anything.

How to Get NFL Personal Checks
Want to support your favorite team? Your personal checks are one more way to show your love, but it's not easy to get NFL checks.

How do I Reorder Checks? Is it Safe Online?
Find out how to reorder checks: what your options are, where to do it, and how to be safe.

Pros and Cons of Duplicate Checks, Where to Buy
With duplicate checks, you keep a copy of every check you write so it's easy to track your payments. There are other ways to keep a history as well.

Debt Consolidation vs. Refinancing: Pros and Cons
Refinancing and debt consolidation are both options for dealing with student loans. See how they compare and which one is right for you.

How to Order New Checks: Business and Personal Checks
When you write checks, you have to refill your bank account as well as your checkbook. What's the best way to order new checks after you've used your bank-issued checks? This page covers the options along with some pros and cons.

What Is Interest and How Does It Work?
Interest is the price paid for using money. When you borrow, you pay interest. When you lend or deposit funds in the bank, you earn interest.

How Amortization Works: Examples and Explanation
Amortization happens when you pay off debt over time with equal payments. See examples, and how payments and interest work on amortized loans.

Car Title Loans: What you Get & What you Pay
Car title loans are short-term loans using your car as collateral. They're easier to qualify for, but they can be expensive.

Opening a Credit Union Account
See how to open a credit union account. Credit unions often have competitive rates on loans and savings accounts. Getting started is easy.

Roth 401k - How it Works
Roth 401k gives you the option to make

Moral Hazard - What It Is and How It Works
Moral hazard happens when somebody has an incentive to take risks that somebody else will pay for.

How to Open A Bank Account Step by Step
Need to open a bank account? This checklist guides you through the process. Learn which accounts are available and how to get it done.

How to Get a Loan With Bad Credit
It's hard to get a loan with bad credit, but you've got options, and more are coming online every day. See what to do and what to avoid.

verywell
verywell. Banking/Loans.

Annual Percentage Rate (APR)
Learn about Annual Percentage Rate (APR) - what it means, how it works, and how best to compare loans.

Checking Security and Fraud
Checking accounts are a target for thieves, whether they steal you identity or just go for your cash. If something happens, you can face major inconveniences. Find out how to protect your checking account.

Minimize Fees
Avoid leaks in your checking account. Find out how to manage checking account fees.

Debit Cards
Debit cards allow you to spend money you've already got. They're often used just like credit cards (for purchases), but they are a little different. Find out how they work and how best to use them.

Credit Lines: Flexible Loans for Cash Flow
A credit line allows you to borrow money and repay over and over, helping you cover irregular expenses.

How to Endorse & Write Checks to Multiple People
When a check is made out to multiple people, the wording between names (if any) dictates who needs to sign the check.

FHA 203k Loans - Basics - Pros and Cons of FHA 203k
The FHA 203k loan allows you to borrow money for home improvement and home ownership in one loan. The loan is guaranteed by the FHA, which can make it less expensive for you. Learn about the pros and cons of FHA 203k loans and see if they’re right for you.

Mortgage Help and Relief
Resources for getting back on your feet. Find out about relief programs, modifications, refinancing, and help for homeowners in trouble.

Mortgage Refinancing
Refinancing a mortgage means you replace an existing loan with a better one. Should you refinance? Learn how to determine when refinancing makes sense, and how you should structure the deal.

How Do Loans Work?
When you borrow money it's important to know how loans work. With more information, you can save money and make better decisions about debt.

How Do Home Equity Loans Work?
Home equity loans let you borrow against your home's value. They come with relatively low interest rates. Learn more about how home equity loans work.

Money Orders
Money orders are tools for making payments. Sometimes it's not safe to send cash, or you may not be able to write a check. Find out how money orders work and what to watch out for.

Prepaid Cards
Prepaid cards allow you to spend money you already have. There's no credit check, and you don't pay interest because you're not borrowing money.

Voided Checks
Voided checks allow you to set up an electronic bank link for automatic payments or deposits. Learn how to void checks, and find out about alternatives to voiding checks.

Adding Money to your Account
Everything you need to know about adding money to your bank account. How to deposit checks, cash, and other instruments. What to be aware of when you make deposits.

Cashier's Checks
Learn about cashier's checks: how they work, how they compare to other forms of payment, when they're used in scams, and more.

Send Money
Find out how to send money to somebody electronically. Wire transfers, P2P payments, ACH payments, and more.

Smart Millennial Banking
Money tips for the Millennial Generation (or any generation) from guest author Erin Lowry.

Can I Refinance? Requirements for a new Loan
What does it take to refinance a loan? Find out if you'll be able to qualify for a better rate.

Borrower Resources - Credit Scores - Credit Reports - Credit Bureaus
Getting a loan requires credit. This page has resources on building credit, keeping your credit clean, monitoring your credit reports, and credit scores.

When to Refinance - Get a Better Loan
Does it make sense to refinance now? Find out when to refinance, what to watch for, and when to avoid refinancing.

Student Loans - Borrowing and Consolidation
Student loans are a way to pay for higher education. Whether you love debt or you hate it, student loans are an investment in your future. They can make an education possible when there is no other way. This page covers the basics of student loans and points you towards additional resources.

Which Bank Is Best for Your Needs?
Where should you put your money? Learn how to find the best bank to bank with, and get a few ideas on banks that might meet your needs.

Credit Unions: Checking, Savings, & More
Credit unions are similar to banks, with many of the same products and services (and your money is usually just as safe in a credit union).

Small Business Loans With Peer to Peer Lending
Peer to peer loans allow you to borrow money from individuals instead of banks. You can find strangers to borrow from online, and you can add structure to informal loans from your friends and family.

Postdated Checks: Cashing & Writing Checks
Postdated checks often don't work the way the check writer intended. See how (and when) these checks can be cashed and how to make them work.

Bank vs. Credit Union - Which is Better?
Need a new account, and you're not sure where to go? Both banks and credit unions can probably help you, but there are minor differences.

Direct Deposit: How it Works, How to Set it Up
Direct deposit gets money into your account quickly and makes payments easier. See how to set it up and take advantage of electronic payments.

The Advantages of Annuities Worth the Disadvantages?
Wondering whether the advantages of annuities are worth the disadvantages? Here is an overview to learn whether an annuity is worth your investment.

Cleared Checks - Risks, Scams, and Confusion
When you deposit a check, it takes time for the funds to clear, and even then the check could bounce.

Bank Reviews - Find Out About Banks - Submit Your Bank Reviews
View bank reviews to find out about various offerings. Submit your own bank reviews so that others know how you've been treated.

What does it Mean when a Loan is Subsidized?
A subsidized loan is more affordable for borrowers because somebody else pays interest costs (at least temporarily).

How to Verify Funds on a Check Before it Bounces
See how to verify a check before you deposit or cash it. Consumers usually must contact the bank, and businesses can use online tools and databases.

ACH Reversals and Other Fixes: Rules and Tips
Problems with an ACH payment? You may be able to have the transaction reversed (or try other solutions).

Peer to Peer Loans - Social Lending
Peer to peer loans allow you to borrow money from individuals instead of banks. You can find strangers to borrow from online, and you can add structure to informal loans from your friends and family.

When & How to Endorse Checks - Do you Need to Sign?
You've got a check to deposit (or cash). See if you need to endorse checks before they go to the bank, how to do it properly, and how to manage risk.

Can I Make a Deposit at Any Credit Union?
Shared branching allows you to use another credit union's branch for deposits, withdrawals, and more. Find out how it works and what you need.

Bank Accounts that Pay Dividends: Checking & Savings
Learn about earning interest in your checking account: how it works and how to do it. Accounts that pay dividends help you grow your money.

ACH Debit: Pros and Cons of Electronic Payment
Paying with ACH debit means sending funds electronically from your checking account. Find our why you might want to do that, and what to watch out for.

Where to Find Cheap Loans and When to Avoid Them
What should you look out for when searching for cheap loans? Borrowing money costs money, but you can manage the costs and improve your chances.

Understanding How Universal Default Clauses Work
If you have a universal default clause on your credit card, you may have to pay the default rate even if you always pay on that card as agreed.

The Community Reinvestment Act and the Mortgage Crisis
The Community Reinvestment Act (CRA) was designed to funnel money into underserved areas to promote home ownership; learn more about these mortgages.

The Dangers of Debt Elimination Programs
Debt elimination programs promise to wipe away your debts. Some of them are legitimate, but the debt elimination industry is notorious for scams.

What can I Use Loan Money For? Is it Illegal?
Can you spend your loan money on anything you want? It generally depends on your agreement and the type of loan you use.

Various Bank Loan Calculators for Different Purposes
It’s wise to use a bank loan calculator to figure out loan payments. These bank loan calculators can help you understand what your payments will be.

Checking Account Holds: How they Work & Removal
Banks hold funds on certain deposits, sometimes for several days. See why that is and what you can do about it.

Calculate Monthly Interest: Earn or Pay Interest
See how to calculate monthly interest for loans and bank accounts. Learn how much you pay (or earn) per month.

Student Loan Deferment: Stop Paying Temporarily
Deferment gives you (temporary) relief from student loan payments. Learn how it works and how to qualify.

Mortgage Glossary - Terms
Getting a mortgage doesn't require learning another language. However, you'll hear a lot of words that may be new to you. This is the place to brush up on mortgage terminology.

Overdraft Protection: Costs (Plus a few Benefits)
With overdraft protection, your bank will approve payments even when you don't have enough money, but there's a cost.

Share Accounts: Credit Union Savings & Checking
A share account is a checking or savings account at a credit union. Share savings accounts pay interest while draft accounts are for spending.

How to Get a Credit Union Loan
Credit union loans are among the most competitive loans available. To get one, become a member (if you're not already) and apply. See how it works.

Unsecured Personal Loans: How They Work, Various Types
Unsecured personal loans can be used for almost anything. Learn what the options are and find out how to get one of these loans.

Best Ways to Transfer Money Between Bank Accounts
Need to transfer money from one bank to another? There are a few electronic options, or you can use good old-fashioned paper.

Banks Sell Annuities - Should you Buy?
Getting an annuity sales pitch from your bank? Here's what you need to know before you hand your money over.

Check your Bank Balance (6 Ways to Keep Tabs)
It's easy to check on your bank accounts online, and you can often do much more than just view balances.

Co-Signing - How Co-Signing Works
Co-signing happens when somebody promises to repay a loan if somebody else can't make the payments. This page discusses co-signing from a borrower's perspective and the co-signer's perspective.

Frugal Millionaire
Articles by Sarah Brooks, the Frugal Millionaire.

Letters of Credit
Letters of credit are tools for importing and exporting. Find out how they work and learn about the pros and cons.

Auto Loans - Get the Best Car Loans - Lease vs Buy
Buying a vehicle is a confusing process. One of the biggest mistakes buyers make is to pay too much for financing. Getting a good auto loan can save you thousands of dollars. Find out how to get the best loan, and evaluate whether or not leasing makes sense.

Personal Finance Podcasts
Information on selected personal finance podcasts. These are all free audio programs to help you make sense of the financial world.

Qualifying for a Mortgage
To qualify for a mortgage - or to get the best mortgage - you need to get your ducks in a row. Make sure that your credit is in good shape and that your income supports the loan you want. This page helps you qualify for the best mortgage you can get.

Reverse Mortgages - What is a Reverse Mortgage - How Does it Work
A reverse mortgage is a loan that allows older homeowners to access the equity in their homes. Instead of making a mortgage payment to reduce your debt, you receive money and increase your debt.

Hard Money - Using Hard Money Loans
Hard money is a form of alternative financing. When loans need to happen quickly, or when traditional lenders will not approve a loan, hard money may be the only option. Let's review how these loans work and what type of business is likely to use hard money.

How to Write a Check - Pictures and Explanation
A tutorial showing how to write a check. See each step, find out how to keep your account safe while you use checks, and look at alternatives to writing checks.

How to Write a Check - A Visual Example of how to Write a Check - Step 2 - Write the Amount
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 2.

How to Write a Check - Step by Step with Pictures
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 3.

How to Write a Check - A Visual Example of how to Write a Check
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 4.

How to Write a Check - Step by Step
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 5.

How to Write a Check - Step by Step
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 6.

How to Write a Check - A Visual Example of how to Write a Check
When you first get your checkbook, you may not know how to write a check. It's really easy once you get the hang of it. This visual example shows how to write a check with pictures and descriptions of each step. In addition, you learn how to write a check in a way that reduces the chance of a scammer altering the check. Page 7.

Dollars Rowing
Dollars Rowing. By Sutherland (John) Productions, Inc. Public Domain Photo Courtesy of the Internet Archive.

Banking/Loans
Banking/Loans. Page 4.

Banking/Loans
Banking/Loans. Page 2.

Banking/Loans
Banking/Loans. Page 3.

Banking/Loans
Banking/Loans. Page 5.

Before You Print Your Own Checks (What You Need)
Printing your own checks helps you pay quickly, track expenses, and avoid running out of checks. Do as much or as little as you want.

Alternatives to Car Title Loans - Better Options
Title loans are risky loans where you pledge something you own as collateral for a loan. We've already covered the drawbacks of these loans, and here are some alternative ways to get cash.

How No Closing Cost Loans Work: Do they Make Sense?
Are no closing cost loans a good deal? Sometimes. See the pros and cons, and how to use them the right way.

Recourse Loans and Non-Recourse Loans
When you don't repay a loan, you take a risk. With recourse loans, lenders can try to collect money from you in a variety of ways. With non-recourse loans, lenders can only take property that you've agreed to let them take -- such as your home in foreclosure.

How to Sign a Check Over to Somebody Else | Issues
Sign a check over to somebody else if you want to pay them or have them cash a check. But make sure the bank will allow it (and avoid other problems)

What It Means to Annuitize | Income Options
When you annuitize, you tell the insurance company to start paying you - sometimes for life. See how it works and basic options.

Pros and Cons of Writing a Check to Cash
Paying to cash is a way to write a check without including the recipient's name. Learn how it works and what the risks are.

Types of Loan Modifications - 5 Possibilities
In a loan modification, your lender changes something about your loan to make payments more affordable. Find out what types of changes are common.

Loan Modifications - Definition and Tips for Homeowners
Loan modifications are changes to your loan agreement. Your payments get more affordable, and you don’t have to default on your loan. Banks choose to offer loan modification programs because it is easier to work with you than to go after you. Let's review how loan modification works, and how you can improve your chances.

Mortgage Modifications - What is a Mortgage Modification? Definition and Tips
Mortgage modifications are changes to your loan agreement. Your payments get more affordable, and you don’t have to default on your loan. Banks choose to offer mortgage modification programs because it is easier to work with you than to go after you. Let's review how you can improve your chances of getting a mortgage modification. Page 2.

Deficiency Judgments: When Lenders can Still Collect
Deficiency judgment are court orders that make you personally liable for unpaid debt. They are often associated with foreclosures, when a home's selling price is not enough to cover the loan balance. Let's take a closer look at what deficiency judgments are and if you should expect one.

Unemployed? Deferment Gives Student Loan Relief
Unemployed with student debt? You might get relief for up to three years with an unemployment deferment. Learn how it works.

How do I Pay my Bill Online? Get Started
The easiest way to pay bills is online. See how to get started.

Definition and Overview of ACH
The Automated Clearing House network makes everyday electronic payments a reality.

Your Choices for Emergency Cash Loans
Emergency cash can come from a variety of places. Ideally you'd borrow from yourself (your emergency fund), but if you need to get a loan, you've got a few choices.

Upside Down Loans - How it Happens, What to Do
An upside down loan is a loan for more than your car or house is worth. Find out what to do about it.

A Letter to your Bank may Help on Approval
Writing a letter can improve your chances of loan approval. See what the bank is looking for and sample language.

How Banks & Credit Unions Make Money
Banks earn money by borrowing and lending, and they charge fees for optional products and services.

How and Why to Read your Loan Agreement
Ever wonder what those loan documents say? You should! Find out what to look for when you sign off on a loan.

How Financing Works - Borrow & Pay Later
When businesses offer financing, they'll lend you money (so you don't pay everything up front). Find out how it works.

Where to Find Free ATMs - Avoid ATM Charges
Find out how to avoid ATM charges and get cash for free.

4 Mobile Banking Tips - Tips to Become a Mobile Banking Guru
4 tips to become a mobile banking guru. Use mobile banking the right way to keep your checking account secure.

Breaking Up With Your Bank - Find the Best Checking and Savings Accounts
Find the best checking and savings accounts that work for you. When you first opened your checking account, it had all the features you wanted. Now, there are signs that you need to switch banks. Don't settle.

What is an Interest Rate on a Loan or Savings Account?
An interest rate is a number that tells you how much it costs to borrow money. Lenders usually want to earn something in return for handing over cash, so they name their price with an interest rate. Learn what the interest rate at your bank means for your finances.

Never Write a Check - Checks Can Get Lost
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Checks can get lost, putting your account information at risk. Page 6.

Floating Checks - How Check Float Works (or Doesn't)
Check float refers to the amount of time it takes for money to leave your checking account. Check float helps to keep some people out of trouble, but it will increasingly cause problems for those who rely on it. Make sure you understand what you’re doing if you’re taking advantage of the float.

Pitfalls of Floating Checks - How Check Float Troubles Can Catch You
Faster bank processing means that you’ll have less time to get money into your checking account. While you may have had a week or more in the good old days, Check 21 promises to speed things up considerably. This page covers some of the pitfalls you’ll face if you get caught by a payee who uses substitute checks. Page 2.

Blog


Mobile Banking
Mobile devices take online banking to the next level. Do everything you can from a desktop, and more.

Blog
Blog. Banking / Loans.

Personal Finance Blogs
Selected personal finance blogs from around the Web.

Never Write a Check - Waiting for Checks
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Let's see why you should strive to never write a check again. Page 7.

Never Write a Check - Be Green
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Plus, you'll save natural resources. Page 8.

Never Write a Check - Writing Checks Takes Time
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. You'll be able to keep moving if you leave the checks at home. Page 5.

Never Write a Check - Balance Checking Account With Pen and Paper
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. You'll never have to balance checking accounts with pen and paper again. Page 4.

Never Write a Check - Annoying Bank Fees
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Reduce annoying bank fees by skipping paper checks. Page 2.

Never Write a Check - No Need to Haul Your Checkbook Around
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. You can now stop hauling your checkbook around with you. Page 3.

Never Write a Check - Online is Easier
Do you really need to write a check? They've come in handy for years, but these days there just aren't many places that you still need to write a check to. Alternatives are safer, easier, greener, and cheaper. Let's see why you should strive to never write a check again.