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NEW! - Keywords For This Page: Finances - Credit Cards - Accounting
Feel free to use this tip sheet / checklist as you tackle your own ""do-it-yourself"" organizing projects. If you would like to REPRINT or DISTRIBUTE this information, please click here for reprinting instructions.
 | AUTOMATED TELLERS |  |
- 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?
| CREDIT CARDS | |
- 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?
| FEES | |
- 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?
| INTEREST | |
- 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
| MINIMUM BALANCE | |
- 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?
| SERVICES | |
- 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?
Copyright 2000-2009 Ramona Creel -- you are welcome to reprint any article, but you MUST include this resource box.
"Ramona Creel is a modern Renaissance woman and guru of simplicity -- traveling the country as a full-time RVer, sharing her story of radically downsizing, and inspiring others to regain control of their own lives. As a Professional Organizer and Accountability Coach, Ramona will help you create the time and space to focus on your true priorities -- clearing away the clutter other obstacles and standing in the way of that life you've always wanted to be living. As a Professional Photographer, Ramona captures powerful images of places and people as she travels. And as a travel writer, social commentator, and blogger, she shares her experiences and insights about the world as we know it. You can see all these sides of Ramona -- read her articles, browse through her photographs, and even hire her to help get your life in order -- at www.RamonaCreel.com. And be sure to follow her on Twitter and on Facebook."
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