Rates Current as of Thursday February 09, 2012

Shareholder

An investor who owns shares of a mutual fund or other company.

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Individual Account

An account in the name of one individual.

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I wrote a check for $68.00 but incorrectly wrote out the amount as six hundred and eighty dollars. The bank paid it as $680.00. Shouldn’t the bank be responsible and have paid according to the numerals?

Unfortunately no. State statutes govern contracts that cover the payment on checks and they indicate that when dealing with negotiable instruments, words prevail over numbers.

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Foreign Currency

The money of another country.

Portfolio Manager

A specialist employed by a mutual fund’s adviser to invest the fund’s assets in accordance with predetermined investment objectives.

Collusion

Collaboration of two or more individuals in a fraudulent scheme.

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Preauthorized Electronic Fund Transfers

An EFT authorized in advance to recur at substantially regular intervals.

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Banking & CD FAQs

How long can the bank place a hold on government checks (e.g., social security and treasury checks)?

Generally, a national bank will make funds deposited into an account by a government check available for withdrawal not later than the business day after the banking day on which the funds are deposited into an account held by the payee of the check and in person to an employee of the bank.

Can you hold two CD accounts in different banks one as a joint account and the other in a single name?

Yes. You can open individual and joint CD accounts with different banks. If the accounts do not exceed the FDIC insurance coverage, you can open CDs under individual names and joint names in the same bank as well. FDIC insurance will not preclude you from having multiple CDs or any other accounts with

How do I calculate what a certificate of deposit will be worth at maturity? Is there a formula?

The easiest way is to use our CD calculator, which will do all the work for you.

How can you tell if a cashier’s check is fraudulent?

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