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A key provision of the Fair and Accurate Credit Transactions Act of 2003 is the consumer’s ability to place a fraud alert on their credit record. A consumer would use this option if they believe they were a victim of identity theft. The alert requires any creditor that is asked to extend credit
Not so long ago if people knew they were about to be coming into some money yet they needed to pay a bill right now, they could do what is known as “floating” a check. This involves writing a check when there actually isn’t enough money to cover the balance, at least at the
Certificate of deposit interest rates were just fractionally lower for the week ending June 18, 2010 based on the survey of bank CD rates performed by Selectcdrates.com. National CD rates for the three month, six month and two year maturities ended the week unchanged from the prior week. The one year and five
A non profit cooperative organized under the Federal Credit Union Act. This institution accepts deposits, provides loan and other financial services to its members.
The Internet is a convenient destination for consumers, general surfers, and for investors. Online banking and online investing has become increasingly popular for both the investor and for the financial institutions. Lower overheads for the banks, in particular, mean that they can pass some of these cost savings onto their potential customers.
Victory Community Bank, established in 2002, is a full service neighborhood bank. The bank is headquartered in Ft. Mitchell, KY. Victory Community Bank has three bank branch locations serving the surrounding area. Victory Community Bank has been FDIC insured since December 9, 2002. Victory Community Bank is chartered as a Savings Association. Therefore the primary
Farmers National Bank of Lebanon is a full service intrastate bank that has been serving customers of the Lebanon and Marion county area in Kentucky since 1890. The bank offers sensible financial services to thousand of customers. The bank has two bank branch locations to serve its customers. The main office is Main Street in
Insurance offered by a private insurance company that protects the bank against loss on a defaulted mortgage up to the limit of the policy, usually 20 to 25 percent of the loan amount. PMI is usually limited to loans with a high loan-to-value (LTV) ratio. The borrower pays the premium.
An open-end credit account in which the assigned dollar limit has been exceeded.
When comparing the different types of banking products available, whether they be checking accounts, money market accounts, CDs or even money market funds or Treasury bills, is it always prudent to determine your financial goals as a first step to successful investing and finding the account with which you are most comfortable.
You may have immediate
For consumers and investors looking for a safe investment vehicle in Pennsylvania, certificates of deposit at Continental Bank may be a viable option. Continental Bank is a full service, locally owned community bank in Pennsylvania. The bank has nine bank branches in Pennsylvania including one in Philadelphia and the headquarters in Plymouth Meeting. Continental Bank
The company, municipality, or government agency that issues a security, such as a stock, bond, or money market instruments.
Community Reinvestment Act – a law requiring financial institutions to make loans in the areas where they receive deposits from, and encourages investment in community development.
A signed, written order by which one party (the drawer) instructs another party (the drawee) to pay a specified sum to a third party (the payee), at sight or at a specific date. Typical bank drafts are negotiable instruments and are similar in many ways to checks.
Investar Bank is a full service community bank headquartered in Baton Rouge, Louisiana. Investar Bank was founded in 2006. The bank offers a full array of banking products and services for individuals, professionals and small and medium-sized businesses.
Investar Bank products and services includes personal and commercial banking services for mortgages, construction loans, home equity loans,
Issuers of securities use credit enhancements to raise the credit rating of a security by backing it with the credit of a third party. Credit enhancements, which may include, bond insurance and bank letters of credit, can help lower the risk of default, improve liquidity, and reduce the interest rate that issuers must pay.
Interest rates rise and fall with the general level of other credit based interest rate accounts. US Treasury securities prices and interest rates are likely move much faster and further than bank CD rates. Short term Eurodollar deposit rates will also tend move quickly to credit market changes. CD rates tend to move in a fairly slow
Switching bank accounts is common event. Perhaps you are moving, making financial changes such as a new job or investments, or just unhappy with your current bank. Once you find out what kind of account you would like to set-up, do your research. If you’re looking for a high CD rate, then
A charge against a bank deposit account.
A fixed-rate mortgage offers you a set interest rate and payments that do not change throughout the life, or term, of the loan. A conventional fixed-rate loan is fully paid off over a given number of years-usually 15, 20, or 30. A portion of each monthly payment goes towards paying back the money
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