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First of all, it is important to remember about your debt-to-credit ratio or credit utilization ratio that is the amount of debt you currently have vs. the amount of credit available, as it determines a third part of your FICO score. When you close a credit card account, the total amount of credit that you […]Continue »
Can I open a bank account online?
Yes. More than that, opening a bank account online is quick and easy. In addition, best online accounts come with lower fees and offer higher rates. To open a bank account online, you will need your Social Security number, valid driver’s license, and debit card. A debit card is needed to pay your initial deposit. […]Continue »
What are savings account fees?
First of all, when you open a savings account, you may need to pay an opening deposit which is between $25-$100 on average. Some banks do not require any opening deposit though. Then, most savings accounts come with maintenance fees, like monthly fees. You can avoid them in most cases if you maintain minimum balance. […]Continue »
Can I use a checking account to receive paychecks?
Yes. You can have payroll or government checks directly deposited to your checking account. You will actually benefit from that as many checking accounts waive monthly fees when direct deposit is set up. To take advantage of direct deposit, you will need to talk to your employer to get that started. You can also contact […]Continue »
What do I need to open a savings account?
You will need to provide some personal information and pay an opening deposit if required. The personal information includes a government-issued ID, Social Security number, proof of address, and email. The opening deposit is usually between $25-$100, but some issuers may not require any deposit to open the account. Please note that you should be […]Continue »
Can I link my savings account to my checking account?
Yes. You can link your checking account to your savings account. It will actually give you access to some good features. Notably, you will be able to set automatic deposits from your checking account to savings account. This will help your savings to grow faster with little effort from you. Or you can use your […]Continue »
What do I need to open a checking account?
Whether you are opening a checking account online or visiting a nearby branch, you will need to provide some personal information. First of all, you will need such forms of identification as Social Security number, driver’s license, state ID or passport. You will also need to provide your address, email, and phone number. Then you […]Continue »
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