Rates Current as of Wednesday February 08, 2012

A set of statutes enacted by the various States to provide consistency among the States’ commercial laws. It includes negotiable instruments, sales, stock transfers, trust and warehouse receipts, and bills of lading.

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Tip #49

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

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Certificate of deposit rates managed to shift even lower for the week ending Nov 6, 2009. Bank CD rates with a six month maturity and CD rates with a two year maturity held steady while the one year rate dropped modestly and the five year fell considerably. The average of the best six month CD rates

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A fund’s cost of doing business, that is disclosed in the prospectus, expressed as a percent of its assets.

Can you still deposit cash directly into your bank account or open up a CD with cash?

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The property or a portion of property offered as security.

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Banking & CD FAQs

I re-deposited a check. Now the bank says that it has placed an exception hold on my funds. What does that mean?

The bank may use an exception hold on a check that was previously deposited but was returned unpaid for insufficient funds. This allows the bank to lessen the risk associated with this transaction. An exception hold may not be applied to any check (including an “official type” check) that has been returned unpaid and re-deposited

Does having a checking account improve your credit score?

No, a checking account is not correlated to your credit score. The only reason why you have to give your social security # is to prove that you have no outstanding debt with any other banks and proof of identification.

What does FDIC deposit insurance cover?

FDIC insurance covers deposits received at an insured bank. Types of deposit products include checking, NOW, and savings accounts, money market deposit accounts or MMDAs, and time deposits such as certificates of deposit or CDs.

My bank is charging high maintenance fees on my checking account. Is this legal?

Yes. Federal law allows banks to charge non-interest charges and fees, including deposit account service charges. All fees should be determined on a competitive basis within the market. Each bank should make the decision on the type, amount, and method of calculation based on sound banking judgment and safe and sound banking

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