Home banking refers to a facility in which you can have a virtual banking branch where you can supervise and be in control of your funds. You can enjoy this service round the clock, on every day of week absolutely free. The major advantage of this is that you do not have to even move

Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many common reasons why homeowners refinance: The opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or

A share pledge loan is a type of personal loan available only from a credit union. For an individual with a credit union banking relationship, this type of loan can be a low-cost way to borrow some money. Different credit unions will apply different terms to share pledge loans. Credit Union Accounts Credit unions use

Signature loans take less time for a bank to process than other types of loans because the lack of collateral means that the loan underwriter bases the decision to approve or decline the loan purely on your own financial situation. Not all banks offer signature loans, and bankers may direct customers to apply for credit

Balancing your checkbook is one of those crucial life skills. It will give you a clear sense of not only how much money is in your bank account, but where your money goes. It can also help prevent you from bouncing checks, stick to your budget, help you avoid fees, and detect errors from your

A money market account is a type of savings account offered by banks and credit unions just like regular savings accounts. The difference is that they usually pay higher interest, have higher minimum balance requirements (sometimes $1000-$­2500), and only allow three to six withdrawals per month. Another difference is that, similar to a checking account, many

Entrepreneurs and small business owners always seem to have 10 things to do before the day is through. You never know what might come up, and sometimes not every planned task gets done on time. In the midst of this fast-paced lifestyle, retirement might not be the first thing on your mind. It’s easy to put

Some employees simply do not like to have their paychecks directly deposited into their checking accounts.  The idea of having a tangible check in their hands after they have earned it provides a certain amount of security and peace of mind.  Furthermore, there may be concern regarding their employer having secure information and access to

  Are you trying to figure out how to consolidate your debt? 1. Check your credit reports and get your credit score. You can get your credit reports from each of the three major credit reporting agencies for free once a year at AnnualCreditReport.com. It’s a good idea to review them so you don’t end

Sold by banks, certificates of deposit (better known as CDs) are low-risk –- and relatively low-return — investments suitable for cash you don’t need for months or years. If you leave the money alone during the investment period (known as the “term” or “duration”), the bank will pay you an interest rate slightly higher than