Introduction to Depository Institutions
|
|
|
- Lucinda Harrell
- 5 years ago
- Views:
Transcription
1 Introduction to Depository Institutions Advanced Level
2 What is a Depository Institution? Depository institution businesses that provide financial services What is the name of one depository institution in your community? Take Charge Today August 2013 Introduction to Depository Institutions Slide 2
3 Types of Depository Institutions Two types of depository institutions are: Commercial Bank For-profit Open to anyone who wants to utilize a depository institution Offer numerous financial services Usually the largest depository institutions Credit Union Not-for-profit owned by members Have membership qualifications members must share a common bond Offer many services but usually not as many as a bank Are often able to pay higher interest rates and charge lower fees Each type is unique choose what is best for you Take Charge Today August 2013 Introduction to Depository Institutions Slide 3
4 Location Can be an important factor when choosing a depository institution Physical location or only online? Multiple locations or just one? Locations all across the U.S. or only in your state or city/town? Do you have transportation to get to a location? Does the depository institution identified in your community have more than one location or branch? Take Charge Today August 2013 Introduction to Depository Institutions Slide 4
5 Depository institutions keep your money safe Offer a safe and secure place to store your money Security (safes, secure networks, etc.) Insurance How can insurance play a role in choosing a depository institution? Federal Deposit Insurance Corporation (FDIC) Insures banks and other types of institutions other than credit unions $250,000 per depositor, per insured institution, for each account ownership type National Credit Union Administration (NCUA) Insures credit unions Same as FDIC Take Charge Today August 2013 Introduction to Depository Institutions Slide 5
6 Businesses offer services to the public Grocery store What services do these businesses offer? Gas station Restaurant Clothing store Take Charge Today August 2013 Introduction to Depository Institutions Slide 6
7 What services does the depository institution identified in your community offer? Special Needs Payment Instruments Safe-Deposit Box Transaction and Savings Tools Services offered by depository institutions Financial Advice Credit Take Charge Today August 2013 Introduction to Depository Institutions Slide 7
8 Depository institutions offer the ability to earn interest Interest - the price paid for using someone else s money You can earn interest or be charged interest The amount of interest earned or charged is determined by the interest rate (percentage rate used to calculate interest, usually an annual rate) Take Charge Today August 2013 Introduction to Depository Institutions Slide 8
9 Savings Tools Accounts that help you manage your money May or may not earn interest The 2 most common accounts: Checking Account Savings Account Take Charge Today August 2013 Introduction to Depository Institutions Slide 9
10 Checking Account Provides quick access to funds for transactions Use deposited money anytime by: Writing checks Using a debit card Withdrawing cash Electronically transferring money Some earn interest but most do not Savings Account An account for money not intended to be used for daily expenses Access to money is more limited than a checking account Earn interest Should you look for a low or high interest rate on a savings account? Take Charge Today August 2013 Introduction to Depository Institutions Slide 10
11 Credit What is it? Borrowing money What can you do? Loans Credit cards Other Information You will pay back the money borrowed plus interest Take Charge Today August 2013 Introduction to Depository Institutions Slide 11
12 Other Services Financial advice Information, advice, and assistance with a wide range of financial topics Safe-deposit box Store valuable personal items Special needs payment instruments Secure types of payments such as traveler s checks, certified checks, cashier s checks, and money orders Take Charge Today August 2013 Introduction to Depository Institutions Slide 12
13 Using depository institution services Call, visit, or search the website Do you have an account? Under 18? Determine what steps are needed to use the service Having an account may be a requirement to use certain services Most require a parent/guardian signature to open an account Take Charge Today August 2013 Introduction to Depository Institutions Slide 13
14 Features of Depository Institutions Services offered by depository institutions may offer many different features Online banking Mobile banking Debit cards ATMs Contactless payment In small groups: What is it? What can you do? 1 piece of additional information Take Charge Today August 2013 Introduction to Depository Institutions Slide 14
15 Online Banking What is it? Complete certain transactions from a secured Internet site Use a username and password What can you do? Access account information any place Transfer money Pay bills/set up recurring bill payment Apply for credit Take Charge Today August 2013 Introduction to Depository Institutions Slide 15
16 Mobile Banking What is it? What can you do? Apps that many depository institutions have developed that allow online banking access from devices such as smartphones, tablets, and other mobile devices Usually offers the same services as online banking Take Charge Today August 2013 Introduction to Depository Institutions Slide 16
17 Debit Cards What is it? A plastic card that is electronically connected to the cardholder s depository institution account What can you do? Function in the same manner as checks but faster and more portable Other Information Use a Personal Identification Number (PIN) or signature to authorize transactions Take Charge Today August 2013 Introduction to Depository Institutions Slide 17
18 Automated Teller Machines (ATMs) What is it? A machine that allows individuals to complete certain transactions from the machine without human assistance What can you do? Withdraw and deposit money Transfer money Check account balance Other information Accessed via an ATM card (usually the debit card) and PIN Take Charge Today August 2013 Introduction to Depository Institutions Slide 18
19 Contactless Payment What is it? What can you do? Other information Transactions completed with no physical connection between the payment device and the Point of Sale (POS) device or store clerk Wave a card in front of a sensor for fast and easy transactions Not all merchants have this technology Take Charge Today August 2013 Introduction to Depository Institutions Slide 19
20 Which feature would you find the most appealing? Cast your vote! Online banking Mobile banking Debit cards ATMs Contactless payment Take Charge Today August 2013 Introduction to Depository Institutions Slide 20
21 Fees Different types of fees may be charged Fees will vary between institutions and within different services at the same institution One of the most important factors to consider when choosing a depository institution Overdraft fee Charged if you withdraw more money from your account than is available ATM fee Charge for using an ATM that belongs to another depository institution Minimum balance fee Some accounts have a minimum account balance; fee charged if you go below that balance Take Charge Today August 2013 Introduction to Depository Institutions Slide 21
22 How do you manage fees? Research Research fees when choosing a depository institution When opening an account, ask for a list of fees Manage responsibly Most are avoidable Manage your account responsibly Take Charge Today August 2013 Introduction to Depository Institutions Slide 22
23 How do you choose one depository institution over another? Choose one that meets your goals! Analyze the following factors: Fees charged Type of depository institution Location Insurance Services offered Interest rates offered Features offered Take Charge Today August 2013 Introduction to Depository Institutions Slide 23
24 Summary Depository institutions offer many benefits: A safe place to store money A way to manage cash The opportunity to earn interest Services/features offered and fees charged vary between and within every depository institution Research different depository institutions and choose one that will help you reach your goals Take Charge Today August 2013 Introduction to Depository Institutions Slide 24
25 Meet Josie Senior in high school Has been accepted to a university 3 hours from home Making important decisions about her future, especially regarding money Looking for a safe place to store her money and pay her bills while at college Take Charge Today August 2013 Introduction to Depository Institutions Slide 25
26 Help Josie manage her money by choosing a depository institution Found two depository institutions in her hometown that also have branches near her college She has summarized their information on the Josie s Depository Institution Comparison Chart Your mission: Learn more about Josie and depository institutions to help her make the best choice Take Charge Today August 2013 Introduction to Depository Institutions Slide 26
27 Josie - What type of depository institutions has she chosen? Is Option 1 a bank or credit union? Is Option 2 a bank or credit union? Bank! Credit Union! Why? Open to anyone Why? Membership requirements Take Charge Today August 2013 Introduction to Depository Institutions Slide 27
28 Josie How did location influence Josie s selection of her top two depository institutions? She selected locations in her hometown and near her college Take Charge Today August 2013 Introduction to Depository Institutions Slide 28
29 Josie While watching the news today, Josie saw that a local depository institution is closing. Now that she understands the importance of depository institution insurance, she wants to ensure her choices are insured. Are Josie s choices insured? Option 1 Option 2 Yes, by FDIC Yes, by NCUA Take Charge Today August 2013 Introduction to Depository Institutions Slide 29
30 Josie Josie is looking for a checking account that is linked to a savings account This will allow her to transfer money from her checking account to her savings account when needed Why would this feature be beneficial? Does option 1 have this ability? Does option 2 have this ability? Yes - linked savings account Yes linked savings account Take Charge Today August 2013 Introduction to Depository Institutions Slide 30
31 Which checking account should Josie choose? Learn more about Josie to help her choose depository institution 1 or 2 Take Charge Today August 2013 Introduction to Depository Institutions Slide 31
32 What did you learn about Josie? Will be traveling often to neighboring states Owns a smartphone Has over drafted her account in the past Has several bills to pay every month Make sure she can avoid all fees with proper account management Would prefer no minimum balance requirements Would like to earn interest on her deposits Which checking account would you recommend Josie choose - option 1 or 2? Why? Take Charge Today August 2013 Introduction to Depository Institutions Slide 32 Would like a quick way to check her account balances
Introduction to Depository Institutions
Introduction to Depository Institutions Advanced Level What is a Depository Institution? Depository institution businesses that provide financial services What is the name of one depository institution
Introduction to Depository Institutions
Introduction to Depository Institutions Advanced Level What is a Depository Institution? Depository institution businesses that provide financial services What is the name of one depository institution
Introduction to Depository Institutions
Introduction to Depository Institutions Advanced Level What is a Depository Institution? Depository institution businesses that provide financial services What is the name of one depository institution
Introduc on to Depository Ins tu ons
Introduc on to Depository Ins tu ons Advanced Level Millions of people use financial services offered by depository ins tu ons on a daily basis to help them manage their money. Commercial banks, credit
INTRODUCTION TO DEPOSITORY INSTITUTIONS Advanced Level
Page 1 2.2.1 INTRODUCTION TO DEPOSITORY INSTITUTIONS Advanced Level www.takechargetoday.arizona.edu RECOMMENDED GRADE LEVELS 10 12 AVERAGE TIME TO COMPLETE Anticipatory Set & Facilitation: 100 105 minutes
Section 4.1 Banking Systems
Section 4.1 Banking Systems Objectives Identify different types of financial institutions Describe the services of financial institutions Explain special services offered by financial institutions Types
Authorization Approval of a transaction by the financial institution that issued a paycard or other payment card.
APA Visa Paycard Portal Glossary of Terms Account Number A unique number assigned by a financial institution to a customer s account. The account number for a paycard is embossed or imprinted on the card
Checking 101 Checking Out Checking Accounts
Checking 101 Checking Out Checking Accounts Checking 101 Checking Account Basics A check is a written order that represents cash Credit Union checking accounts are also called SHARE DRAFT accounts A share
Checking 101. Property of Penn State Federal Credit Union
Checking 101 Checking 101 Checking Account Basics A check is a written order that represents cash Credit Union checking accounts are also called SHARE DRAFT accounts A share draft is equivalent to a check,
U.S. BANK FOCUS CARD. Frequently Asked Questions. The Focus Card. What is the Focus Card? How does the Focus Card work?
Frequently Asked Questions What is the Focus Card? The Focus Card is a reloadable, prepaid debit card issued by U.S. Bank. It provides an electronic option for receiving your pay. It is not a credit card,
ATTENTION: SECTION 8 CLIENTS WHO RECEIVE UTILITY ASSISTANCE PAYMENT Posted: November 2017
ATTENTION: SECTION 8 CLIENTS WHO RECEIVE UTILITY ASSISTANCE PAYMENT Posted: November 2017 Housing Authority of Yamhill County is now offering a fast and convenient way for you to instantly receive your
Checking Account & Debit Card Simulation. Understanding Checking Accounts and Debit Card Transactions
Checking Account & Debit Card Simulation Understanding Checking Accounts and Debit Card Transactions Why Do People Use Checking Accounts? Reduces the need to carry large amounts of cash Convenience useful
Checking Account & Debit Card Simulation. Understanding Checking Accounts and Debit Card Transactions
Checking Account & Debit Card Simulation Understanding Checking Accounts and Debit Card Transactions What is a Checking Account? Common financial service used by many consumers Funds are easily accessed
Welcome to your CIBC Dividend Visa* Card
Welcome to your CIBC Dividend Visa* Card Banking that fits your life. Turn your everyday spending into cash back rewards Get started with your new cash back card 1. Activate your card Activate your card
SUB-PART OF CONSUMER MEMBER ACCOUNT AGREEMENT EFFECTIVE OCTOBER 20, 2017
SUB-PART OF CONSUMER MEMBER ACCOUNT AGREEMENT EFFECTIVE OCTOBER 20, 2017 OVERDRAFT POLICY DISCLOSURE The Bethpage Overdraft Policy describes circumstances when we (the credit union) may, at our sole discretion,
Frequently Asked Questions
GUIDE & FAQs 1 Frequently Asked Questions What is the Check website? The Check website is an online portal from which Bank of America Corporate Card holders have real-time access to their. This portal
Chapter 12. Banking Procedures and Services Pearson Education, Inc. All rights reserved
Chapter 12 Banking Procedures and Services 2010 Pearson Education, Inc. All rights reserved Learning Objectives Explain the difference between different types of financial institutions Learn the basics
A banking service allowing a customer s money to be handled and tracked. Common bank accounts are savings and checking accounts.
Kids Glossary Terms Account Account balance Account fee Annual fee Automated teller machine (ATM) Available Balance Bad check Bad credit Balance your checkbook Bank Bank account Bank statement Bounced
Get Ready to Take Charge of Your Finances
Checking Account & Debit Card Simulation Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 180 minutes National Content Standards Family and Consumer Science Standards: 1.1.6,
Unemployment Insurance U.S. Bank ReliaCard. Frequently Asked Questions. What is the ReliaCard and How Does It Work?
Unemployment Insurance U.S. Bank ReliaCard What is the ReliaCard and How Does It Work? What is the ReliaCard? The ReliaCard is a reloadable, prepaid card issued by U.S. Bank. The ReliaCard is an electronic
FAQs - Personalized Pay Cards
Withdrawing Funds How can I check my pay card balance? Can I make unlimited cash withdrawals? How do I find an in-network ATM? Are there any overdraft penalty fees? If I have an odd amount remaining on
Savings Tools. Take Charge of Your Finances Financial Literacy
Savings Tools Take Charge of Your Finances Financial Literacy To Develop a Savings Fund: Determine how much money is appropriate for a savings fund Determine which savings tools in which to place money
General Information for Cardholder s on PIN & PAY
General Information for Cardholder s on PIN & PAY As part of our on-going initiative to enhance security, we are pleased to introduce the 6-digit PIN (Personal Identification Number) for validation, replacing
CHECKING 101 EDUCATION. Practice & Reference Material
CHECKING 101 EDUCATION Practice & Reference Material BOOKLET INFORMATION Thank you for your willingness to learn more about managing your checking account and how to better use the tools Armed Forces Bank
Welcome to Money Essentials SM!
Money Essentials SM Welcome to Money Essentials SM! Money Essentials provides you with a valuable, easy to understand introduction to financial services and is designed to give you realistic choices in
Teens Glossary Terms. (see Bank account)
Teens Glossary Terms Account Account balance Account fee Annual fee Annual percentage rate (APR) Automated teller machine (ATM) Available Balance Bad check Bad credit Balance your checkbook Bank (see Bank
Depository Institution Essentials Advanced Level
Depository Institution Essentials Advanced Level Family Economics & Financial Education October 2010 The Essentials to Take Charge of Your Finances Depository Institution Essentials Slide 1 2 What is a
U.S. Banking System Overview
Date Here U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection against dishonest lending Lending to low-income populations U.S.
Share Draft/Checking Account Basics
Share Draft/Checking Account Basics A check is a written order that represents cash. Credit union checking accounts are called share draft accounts. Share drafts, like checks, are accepted almost everywhere.
TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
Selected Terms & Conditions for Wells Fargo Business Debit, ATM and Deposit Cards
Selected Terms & Conditions for Wells Fargo Debit, ATM and Deposit Cards Terms and Conditions effective 04/24/2017. Introduction page 1 Using Your Card page 2 Using Your Card Through a Mobile Device page
Electronic Banking. Accounts opened after this date will be considered new accounts: What is a PIN used for?
1.7.2.L1 Note taking guide Electronic Banking Total Points Earned 25 Total Points Possible Percentage Name Date Class Electronic Funds Transfer (EFT) Can do: Through: Benefits include: PIN- Accounts opened
Checking Account & Debit Card Simulation. Understanding Checking Accounts and Debit Card Transactions
Checking Account & Debit Card Simulation Understanding Checking Accounts and Debit Card Transactions What is a Checking Account? Common financial service used by many consumers Funds are easily accessed
Ready to Go Checking SM Account
For us, it s important that you understand exactly how your Ready to Go Checking SM account works. Below is an explanation of the key terms and fees of your personal account. For additional details of
Banking Basics 101. How to Manage Your Finances and Still Have Money Left Over For a Night Out. Course objectives learn about:
Banking Basics 101 Course objectives learn about: Using a checking account Various types of payment vehicles Benefits of a savings account How to Manage Your Finances and Still Have Money Left Over For
Overdraft Education Practice & Reference Materials
Overdraft Education Practice & Reference Materials 2013 IN-Focus Digital Booklet Instructions 2 This booklet is designed for use with the Overdraft Education Workshop video. Any unauthorized use is prohibited
Topic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
MB Financial Bank VISA 1 Promotional Card Agreement IMPORTANT PLEASE READ CAREFULLY
MB Financial Bank VISA 1 Promotional Card Agreement IMPORTANT PLEASE READ CAREFULLY This Promotional Prepaid Card Agreement ( Agreement ) is the terms and conditions governing our issuance and your use
To find out more about our accessible services please visit
Give me the facts Welcome This guide explains how your account works. It takes you through the ways you may be able to access your account, make payments and keep both your finances and information safe.
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. The Tri-County Bank 106 N Main St Stuart, NE (402)
IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from The Tri-County Bank 106 N Main St Stuart, NE 68780 (402)924-3861 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types
Consumer Payment Services Conditions
Consumer Payment Services Conditions 3247 EN Contents Consumer Payment Services Conditions This is a translation of the original Dutch text and is furnished for the customer s convenience only. No rights
Using my PAYCHEK PLUS!
Using my The Basics 1: Getting started 4 2: How my card works 9 3: Making work for me 11 4: Getting cash at an ATM 13 5: Making a purchase at a store 15 My account information 1-800-578-2966 or www.cashcardsite.com
Electronic Payment Card Program Frequently Asked Questions
1. What is the new Visa Electronic Payment Card? The Visa Electronic Payment Card (EPC) is a safe and secure method for payment of weekly Unemployment Insurance benefits. It can be used to get cash from
CHAPTER 5-THE BANKING SYSTEM. Section 1- Checking Accounts
CHAPTER 5-THE BANKING SYSTEM Section 1- Checking Accounts CHECKING ACCOUNTS Checking Account: A demand deposit account on which checks are drawn. Advantages of a checking account Safe place to keep money
PFIN 5: Banking Procedures 24
PFIN 5: Banking Procedures 24 5 1 Checking Accounts OBJECTIVES Explain the purpose and use of a checking account. Prepare a checkbook register. Write a check and prepare a deposit slip. Prepare a bank
Using Banking Services
Presentation Slides $ Lesson Six Using Banking Services 04/09 banking terms you should know Account ATM Bank Checking account Credit union Interest Joint account Minimum deposit Savings account Teller
D.L. Evans Online Banking & Electronic Document (E- Document) Agreement & Disclosure
D.L. Evans Online Banking & Electronic Document (E- Document) Agreement & Disclosure The following represents the consumer Online Banking and E-Document Agreement and Disclosure (agreement) between you
Vancity Credit Card Agreement (for Business Use)
Vancity Credit Card Agreement (for Business Use) Table of Contents 1. INTRODUCTION 1 2. DEFINITIONS 1 3. ACCOUNT OPENING AND CARD ISSUANCE 2 4. TAKING CARE OF THE VISA* CARD AND VISA ACCOUNT 3 5. HOW AUTHORIZED
Chapter 10: Money and Banking Section 3
Chapter 10: Money and Banking Section 3 Objectives 1. Explain how the money supply in the United States is measured. 2. Describe the functions of financial institutions. 3. Identify different types of
Banking Unit Outline Part I
Financial services are the products and services offered by financial institutions (banks) Examples include: Checkbook issuing ATMs Online banking Debit cards Financial advice A bank is a for-profit financial
Topic 2: Compare different types of payment card
Topic 2: Compare different types of payment card After completing this topic, you will be able to: define, understand the purpose of, and compare the features of debit and credit cards; define, understand
Introducing CashPay. The payroll card that delivers convenience and purchasing power. CashPay Card Guide
Introducing CashPay The payroll card that delivers convenience and purchasing power CashPay Card Guide Get started with CashPay card convenience now When you enroll to have your pay direct deposited to
Checking Account Simulation. Understanding Checking Accounts
Checking Account Simulation Understanding Checking Accounts What is a Checking Account? 1.7.1.G1 Tool used to transfer funds deposited into the account to make a cash purchase Could also be named a transaction
What s The Difference?
Credit Union 101 What s The Difference? Penn State Federal Eligibility Who can join Penn State Federal Credit Union? You or someone in your family who *belongs to the American Association of University
Experience business banking with more control.
Experience business banking with more control. Business Visa Debit Card User Guide. Welcome to an easier way of doing business, with the HSBC Business Visa Debit Card. Now you re in control of your business
Chapter 5 Banking Procedures. Copyright 2007 Thomson South-Western
Chapter 5 Banking Procedures Copyright 2007 Thomson South-Western Introduction to Checking Accounts A check is a written order to pay a stated amount to a person or business Checking account Is a demand
HOW TO USE A FINANCIAL INSTITUTION. BUILDING A better FUTURE
HOW TO USE A FINANCIAL INSTITUTION BUILDING A better FUTURE HOW TO USE A FINANCIAL INSTITUTION LATINO COMMUNITY CREDIT UNION & LATINO COMMUNITY DEVELOPMENT CENTER Copyright 2011 Latino Community Credit
Selected Terms & Conditions for Wells Fargo Consumer Debit and ATM Cards
Selected Terms & Conditions for Wells Fargo Consumer Debit and ATM s Terms and Conditions effective 04/24/2017. Introduction page 1 Using Your page 2 Using Your Through a Mobile Device page 4 One-Time
Checking Account Simulation. Understanding Checking Accounts
Checking Account Simulation Understanding Checking Accounts What is a Checking Account? 1.7.1.G1 Tool used to transfer funds deposited into the account to make a cash purchase Could also be named a transaction
Visa Reloadable Prepaid Card Terms and Conditions
Visa Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our" refer to Chessie
Name: Period: Date. Financial Fitness. TEACHER: For the next few days we are going to be focusing on Family, Career and
Financial Fitness Introductory Skit: TEACHER: For the next few days we are going to be focusing on Family, Career and Community Leaders of America s (FCCLA s) Financial Fitness Program. STUDENT: Financial
Overdraft Privilege Disclosure
Overdraft Privilege Disclosure Overview of Overdraft Privilege Service Overdraft Privilege is a service which provides protection for your checking account. The service may be used to cover your eligible
Visa General Purpose & Student Reloadable Prepaid Card Terms and Conditions
Visa General Purpose & Student Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions. Agreement means these Visa Prepaid Card Terms and Conditions. We us and our
Home Accounts Services Online Banking Login Mortgages Locations About The Cowboy Bank Disclosures
Home Accounts Services Online Banking Login Mortgages Locations About The Cowboy Bank Disclosures Privacy Policy FACTS WHAT DOES THE COWBOY BANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies
CREDIT CARD PRODUCT INFORMATION BROCHURE
CREDIT CARD PRODUCT INFORMATION BROCHURE Effective from 1st March 2018 A CREDIT CARD IS A GREAT WAY TO MAKE PURCHASES IN-STORE, ONLINE OR OVER THE PHONE. IF USED EFFECTIVELY, IT CAN ALSO BE A GREAT WAY
Funds Availability Policy Disclosure for Deposit Accounts
Funds Availability Policy Disclosure for Deposit Accounts In compliance with the Expedited Funds Availability Act, implemented by Regulation CC, SunTrust Bank s Funds Availability Policy Disclosure provides
WELCOME TO CITIZENS BANK
WELCOME TO CITIZENS BANK Important Account Information Inside Gladewater National Bank will merge with Citizens Bank on October 1, 2018. www.citizensbanktx.com August 30, 2018 Dear Valued Gladewater National
Welcome! SameSmiles MoreOptions
Welcome! SameSmiles MoreOptions www.pfcu4me.com LENDER NMLS#446361 FIRST CLASS PRSRT. US POSTAGE PAID GRAND RAPIDS, MI PERMIT NO. 657 9077 Charlotte Highway Portland, MI 48875 Welcome to PFCU! On July
ONLINE ACCESS AGREEMENT
ONLINE ACCESS AGREEMENT In exchange for CS Alterna Bank ( Alterna ) permitting the client to use the Services, the client agrees to the following terms and conditions: 1. Definitions Access Terminal means
Conditions of Use for Westpac Debit Mastercard and Westpac Airpoints Debit Mastercard.
Conditions of Use for Westpac Debit Mastercard and Westpac Airpoints Debit Mastercard. As at 20 October 2016. 0000 VALID THRU MONTH/YEAR Debit card Conditions of Use These Conditions of Use apply to the
International Prepaid Card. These are your International Prepaid Card Terms and Conditions.
International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions."We" "us" and "our" refer to Service Credit Union.
Nordea Mastercard. Cardholder s guide
Nordea Mastercard Cardholder s guide 1 If you have any questions about your card, we will be happy to help you. and With Nordea Mastercard you can pay for products and services in Finland, abroad on the
TD Bank Visa Gift Card Agreement
TD Bank Visa Gift Card Agreement TD Bank Visa Gift Card Terms and Conditions. Please be sure to keep this important information and provide it to anyone to whom the Gift Card is given. The TD Bank Visa
Visa Reloadable Prepaid Card Terms And Conditions
Visa Reloadable Prepaid Card Terms And Conditions "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our" refer to Sioux Falls Federal Credit Union. "You" and "your" refer to
Important Information
Important Information Notice of variation MyMoney and HSBC Premier Family Terms and Conditions and Banking made easy These changes will be effective from 1 April 2016 for Banking made easy and from 6 April
Your Community Bank. Your Guide for Personal and Business Banking Services Important Information About Your Accounts 1
Your Community Bank. On Monday, July 16, 2018, The First, A National Banking Association and Sunshine Community Bank will merge computer systems. You will still bank with many of the outstanding professional
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some
2018 DollarWise Summer Youth Contest Study Guide
2018 DollarWise Summer Youth Contest Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest. During the
What to Expect Upgrade Weekend The System Upgrade Brings Changes to Your Banking Relationship Frequently Asked Questions...
member guide Table of Contents What to Expect Upgrade Weekend... 2 The System Upgrade Brings Changes to Your Banking Relationship... 3 Frequently Asked Questions... 4 Deposit Accounts...4 Statements and
Pay Card - Recipient Frequently Asked Questions
Q: How soon will my card arrive? A: You should receive your card in 7-10 business days. A complete Pay Card Disclosure and Terms and Conditions will accompany the card. If you do not receive your card,
COLOUR JOB LOCATION: PRINERGY
Banking made easy Contents Welcome 3 Easy access to your account 4 Online 4 By phone 4 Services available at Post Office branches 4 On your mobile 4 In branch 4 Cash machines 4 What payment types are there?
Reloadable Card. Cardholder Frequently Asked Questions. June 2014 R.FQ.S E
Reloadable Card Cardholder Frequently Asked Questions Reloadable Card (1) Where can I use my card? Your card may be used anywhere debit cards are accepted. The brand marks on your card indicate where the
Nordea Debit Nordea Electron. Cardholder s guide
Nordea Debit Nordea Electron Cardholder s guide 1 If you have any questions about your card, we will be happy to help you. and With Nordea Debit and Nordea Electron cards you can pay for products and services
Date Here. Welcome University of Michigan International Students
Date Here Welcome University of Michigan International Students U.S. Banking System Overview Banking is regulated by federal and state governments Privacy Disclosure Fraud protection Protection against
get cash withdrawals from savings account(s) with an ATM card get cash withdrawals from savings account(s) with a debit card
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this
shall mean the Visa Multi-Purpose Reloadable Card or the account number printed on the face of the Card.
Terms & Conditions Innovative Card Services Visa Multi-Purpose Reloadable Card Cardholder Agreement April 1, 2018 CARDHOLDER AGREEMENT By requesting and using or allowing another to use your Visa Multi-Purpose
Depository Institutions
Depository Institutions Take Charge of Your Finances 1.7.3 Depository Institutions Depository Institutions businesses which offer multiple services in banking and finance These institutions include: Banks
Convenience Services.
Convenience Services www.ncsecu.org Convenience Services To efficiently serve members, State Employees Credit Union (SECU) offers a variety of convenience services. Branch Offices Branch offices are located
Retail Payment Services
Retail Payment Services Information Sheet January 2015 Contents: 1. Security 2. Direct debits 3. Business days 4. Limits 5. Fees and charges 6. Exchange rates 7. Current account interest 8. Value date
VISA RELOADABLE PREPAID CARD TERMS AND CONDITIONS
VISA RELOADABLE PREPAID CARD TERMS AND CONDITIONS Agreement means these Visa Prepaid Card Terms and Conditions. We, us, and our refer to S.C. State Federal Credit Union. (State Credit Union, SCU and S.C.
LE300-C1L2 - Savings and Bank Accounts Page 1
LE300-C1L2 - Savings and Bank Accounts Page 1 Name: Flight: Date: 1 Which of the following is an advantage of owning a bank account? A You will double the amount of money you have B You are guaranteed
Depository Institution Discovery Grade Level 7-9
2.7.2 Depository Institution Discovery Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 90 minutes Content Standard Family and Consumer Science Standards: 2.5.1, 2.5.4, 2.6.1,
ANZ Bank New Zealand Limited ANZ17881
ANZ Credit Card Conditions of Use Effective 26 March 2018 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ
Merger of Emporiki Bank Cyprus Ltd with Alpha Bank Cyprus Ltd
11/03/2015 Merger of Emporiki Bank Cyprus Ltd with Alpha Bank Cyprus Ltd With reference to the merger procedure of Emporiki Bank - Cyprus Limited to Alpha Bank Bank Cyprus Ltd, a number of questions and
Bank to Bank Transfer Application
MEMBER FDIC EQUAL HOUSING LENDER Bank to Bank Transfer Application I am applying for authorization to transfer funds between my Blackhawk Bank checking/savings account(s) and my checking/savings account(s)
DEPOSIT PRODUCTS AND SERVICES
DEPOSIT PRODUCTS AND SERVICES CHASE PRIVATE CLIENT This booklet provides you with details on Chase Private Client Deposit Products and Services. Please contact your Private Client Banker if you have any
Lesson Description. Concepts. Objectives. Content Standards. Cards, Cars and Currency Lesson 3: Banking on Debit Cards
Lesson Description After discussing basic information about debit cards, students work in pairs to balance a bank account statement and calculate the costs of using a debit card irresponsibly. The students
Visa Debit Card User Guide
Visa Debit Card User Guide Visa Debit Card User Guide Introducing the card This user guide explains how our Visa debit card service works in conjunction with your account. You are welcome to contact your
Vancity and Citizens Bank Visa * Cards
Vancity and Citizens Bank Visa * Cards -Initial Disclosure Statement- We are required by law to provide you with this Initial Disclosure Statement. It summarizes certain terms of the Vancity and Citizens
Personal Schedule of Fees for SafeBalance Banking
Personal Schedule of Fees for SafeBalance Banking Effective November 3, 2017 The SafeBalance Banking account is a personal deposit account. bankofamerica.com Applies in all states. Bank of America, N.A.