Bouncing a check is never a good thing. It can lead to incurring fees — both for the check-writer and the recipient. However, legal action or other long-term consequences are also possible. Read on to learn more about bounced checks, their consequences, and how to avoid them. What is a bounced check? A bounced check…
Regional banks generally fit between community banks and national banks when it comes to size, available products and services, and accessibility. They tend to offer a generous range of products and services, but they serve a particular area of the country. While regional banks may not be nationally accessible, they have several advantages that make…
The Discover it Secured Cash Back Credit Card doesn’t require a credit score to apply. In fact, it helps build up your credit score by offering cash-back rewards as an incentive for responsible credit behavior. Discover it Secured Cash Back card overview Annual fee $0 Welcome offer Discover will automatically match all the cash back…
As a small business owner, you’re not legally required to have a business bank account. But the longer you mingle your business and personal finances, the more likely you are to regret it. While separating your business and personal bank accounts can be a pain, it’s highly recommended you do so, since having separate accounts…
Cash is increasingly unpopular; consumers use cash for just 7% of total payments, according to the Federal Reserve. But if you’re trying to avoid racking up debt and prefer not to pay with a credit card, a debit card or prepaid card can be a convenient alternative that allows you to skip carrying paper bills….
A “bad check” is not just an inconvenience. From overdraft fees to returned payment charges and even legal issues, the consequences of writing or cashing a bad check can be costly. Here’s what causes a check to bounce, what happens when it does, and how to avoid the problem in the first place. Definition of…
Basis points have a big impact on your finances, but not everyone knows what they mean or how they work. Basis points are key to understanding your interest rates on loans and credit cards, as well as how much you earn on your savings. Here’s what you should know. What are basis points? Basis points,…
It seems simple enough; you receive a check in the mail and need to cash it. You drive to the local bank branch a few miles down the road, cash the check, and use the money to pay your bills. Easy! However, that’s not the case for everyone. Approximately 12 million people live in banking…
When you need to make a secure payment, certified checks are a popular and trusted option. A certified check is essentially a check that’s been guaranteed by the bank, which ensures there are enough funds in your account and the signature is authentic. In other words, a certified check can be a reliable choice for…
A poor credit score can make many financial transactions more difficult and expensive. However, with the right home loan product and a knowledgeable lender, you probably have more mortgage options with a bad credit score than you’d imagine. Here are our picks for the best mortgage lenders for borrowers with bad credit in August 2026….
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