Rates Current as of Thursday February 09, 2012

Forged Check

A check on which the drawer’s signature has been forged.

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Rate

Percentage a borrower pays for the use of money, usually expressed as an annual percentage

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CD Rate Updates

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Banking & CD FAQs

My son has a small savings account that was opened a few years ago. When I recently checked the balance it was close to zero. It appears the bank has been assessing fees on the balance bringing it to almost nothing. Can they do that on his account?

There is no Federal regulation that would stop a bank from continual assessing account fees as long as these fees were disclosed in advance to your son. The bank should have disclosed its fees to your son either at the time of account opening or at a later date if the fees were initiated

If the ATM kept my card and this ATM was npt one owned by my bank, will I have to get another?

Banks generally do not charge for replacing ATM cards that are lost, stolen or otherwise inoperable. You may want to look at the fee schedule on your account agreement to verify any possible charges.

I cashed a check at a bank. It charged me a fee because I don’t have an account there. Is this legal?

If a national bank agrees to cash a check for a noncustomer, it may legally charge the presenter a fee. There are no limitations on the fee amount. If you think the fee is excessive, you may want to open an account with the bank, or cash your check at another institution with

Can a bank require the beneficiary on an account provide a social security number?

Yes. National banks may require the beneficiary to provide a social security number for monetary transactions. In addition, bank employees are required to ask for the customer’s social security number when opening an account. This requirement also ensures that funds are distributed to the correct designated individual when a will, trust, insurance

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