Free Banking Tips

Whether we bank with Wells Fargo or Bank of America, we have to admit the fact that our daily routine has been very busy that we even forget to even just browse our mail box not until we realized that we have piled up with tons of it as its now overflowing and other people starts...

Have you already set your bank what your solicitation preferences? Do you receive tons of advertisement from your bank, or maybe from other institution? How bout email advertisement? If you just disregard it and don't even get anything from it other than it eats off some of your...

There is nothing wrong with free trial, in fact it is good because it sounds good when we hear the word 'free.' Its not bad if its free, if it is totally free or let's say its 100% free.  Well, are we sure it is free? When we go online we get blinded when we see the the...

You might have been wondering why you got a W8-BEN form in the mail. Most of the time, this form is sent out by our banks to make sure each account holder status is updated. When this form is mailed out, usually there is return mail that comes with it where we can send back...

The U.S. National Security Agency is fully aware about the flaw in the way that many website send sensitive information. Now, the Heartbleed bug have been discovered it has been regularly used to gather critical intelligence. Though the N.S.A. is trying to keep the bug secret...

An investigation is currently on-going due to possible data breach that might have occurred in California Department of Motor Vehicle (DMV).  The investigator are looking at the angle that this maybe related to the transactions made on its website from August 2013 to January...

Do you have a savings account? If you do, then it means you should know the meaning of Bank Regulation D.  Regulation D is a law governed by Federal Reserve that limits each savings account only up to 6 pre- authorized debit transactions in a full statement cycle or a whole...

The one and only bank that offers Direct Deposit Advance, Wells Fargo, will sooner discontinue the Direct Deposit Advance Service. This service has been used up by millions of Wells Fargo customers specially those who are independent with social security deposit. The Direct Deposit...

Direct Deposit Advance is very common to customers who are banking with Wells Fargo, specially to those that receives a qualifying direct deposit every month. Direct deposit Advance is a line of credit designed for short term borrowing needs. This is found to be more costly compared...

Tax season is not just around the corner! Most banks have sent their clients some tax forms that customers would need since last January. Now we are waiting for our tax refund. What are the common description we see that would help us identify its already the tax refund that...

What happened to the checks that I deposited? When will this check become available? Where did the check go? why does my bank hold me check for so long? This has been our usual question whenever our checks are held by our bank. Every check that is deposited or cashed in the...

Let us admit, saving money is one of the most difficult thing to do. The last thing that we will do with our money is to put it somewhere and allow it to gain interest. It is very difficult to save money. Even if we are able to keep small part of it and put it in a savings account,...

All of the banks in U.S. usually receive large volumes of calls before or during the day or five to 10 hours before the schedule of the direct deposit posting. This is because we want to find out if our job have deposited our paycheck to our account. Majority of the people...

When I first had my bank account, this is the first thing i asked myself. "What is my account number?" I was only 16 years old that time when i started my own account. I hope i did not forget anything from my list but this is where we usually see our account number. 1. Welcome...

Filing for taxes has been the most awaited happening after the holiday season. This is the time when we are starting to back up from the expenses last holiday after the holiday craze, parties and shopping spree. So this is the moment that we have been waiting for, last January...

The biggest U.S. arts and crafts retailer, Michaels Companies Inc/Michaels Store, said it is investigating a possible security breach on its payment card network and advised customers to check their account activities for possible fraud activity.  This data breach...

Just like Target, Neiman Marcus, an American luxury specialty department store was confirmed that hackers invaded its system for several months which involve and may compromise 1.1 million credit and debit card. The same malware installed in Target terminals are found to...

Tax s This is what 1099 form looks like. Usually banks proactively send this form to customers whenever they are required to file this for taxes. This form is visible also from the official IRS Website- www.irs.gov. 1099 form is the form used to file taxes for Income generated...

Bank fees are expensive. Some people are moving banks mainly because of Overdrafts and NSF- Non-Sufficient fund fees. That why its important to know what these fees really means so we would know how to avoid them and get away from them. Some people are thinking that Overdraft...

You might have been wondering on how much bank earns each year just plainly from the overdraft fees they charge whenever accounts get into overdraft. We usually end up saying “Oh My God! My bank is killing me with this overdraft!” or maybe we say “nickel and dime is the banks...

Shopping experience at Target has been very amazing. You get anything you need whether its clothes or stroller for your baby, a new bag for yourself, nice watch for your husband and even furniture for your new house. You can even do your groceries for your daily needs. Shopping...

Did you recently get overdraft or non-sufficient fund fee on your account? If you had, then that might already be because of an ACH. Some people find it jargon but this is almost a common term for those people who use to get bank fees due to this "ACH". What does ACH means?...