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NEW! - Keywords For This Page: Finances - Accounting - Credit Cards
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AUTOMATED TELLERS
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- How many ATM's does your bank have?
- Where are those ATM's located?
- Do they have agreements with other banks allowing use of their machines?
- How many in-network ATM transactions are you allowed in a month?
- Is there a fee if you go over this number? What is the fee?
- Is there a fee if you use out-of-network machines? What is the fee?
- Can you have an ATM card that is a check card? One that isn't?
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CREDIT CARDS
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- What is the annual percentage rate (APR)?
- What is the interest rate?
- Is there an annual fee? Will you waive it for new or long-time customers?
- Can I carry a balance?
- What is my credit limit? How often can I have it increased?
- Does your card offer any rewards (cash back, frequent flyer miles, etc.)?
- Do you charge a late payment fee?
- Do you offer a payment grace period before charging interest? How long?
- Do you charge a transaction fee for a cash advance?
- Are there any other service charges?
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FEES
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- What kind of monthly service charges can I expect?
- Do you charge fees for writing or cashing many checks in a month?
- Do you charge fees for making counter deposits? How much?
- Do you reduce your monthly fees for direct deposit?
- Do you reduce your monthly fees for electronic banking?
- Do reduce your monthly fees if I have a loan with you?
- Do you reduce your monthly fees if I have multiple accounts with you?
- Do you reduce your monthly fees if I don't get my cancelled checks back?
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INTEREST
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- Do you offer interest-bearing checking accounts? At what interest rate?
- How do you calculate interest on my account?
- Do you compound interest on my daily balance?
- note -- beware banks that calculate only monthly or on your lowest balance
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MINIMUM BALANCE
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- How much do you need to open an account?
- What balance must you keep to avoid a fee?
- What is the fee if you go below that minimum?
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SERVICES
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- Do you offer overdraft protection? What is the fee?
- Do you offer traveler's checks? What is the fee?
- Do you offer online banking? What is the fee?
- Do you offer automated bill-paying? What is the fee?
- Do you offer money orders? What is the fee?
- What other additional services do you offer?
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