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Silver Lake Bank was opened in 1909 in Topeka, Kansas. The bank also has three other bank branches in Kansas serving the local communities. Silver Lake Bank serves these communities with a variety of individuals and businesses bank products and services. Competitive rates of interest are offered on number of savings products and the deposits
The list of best bank that made the top of the list for bank CD rates at the beginning of 2008 has changed fairly dramatically. Some of the changes are due to bank mergers, some are due to increased competition and some can be attributed to banks that are not in need of aggressively pursuing
Exchange State Bank & Insurance is a locally-owned community bank with branches in Adair and Winterset, Iowa. The bank was established on January 1, 1879. Exchange State Bank has been FDIC insured since 1963. Exchange State Bank is chartered as a Federal Reserve Non-member. The primary regulator is the Federal Deposit Insurance Corporation (FDIC). As
The Columbus Dispatch is just filled with great bank offers this Sunday. Heartland Bank has an ad promoting a 4.00% CD on a 9 month term with a minimum balance of $5,000.00. The bank’s website at www.heartlandbank.com confirms the rate offer and indicates this offer is good through Nov. 12, 2008. The ad also advertises,
Fair Housing Act (1968)
Prohibits discrimination in the extension of housing credit on the basis of race, color, religion, national origin, sex, handicap, or family status.
Truth in Lending Act (1968)
Requires uniform methods for computing the cost of credit and for disclosing credit terms. Gives borrowers the right to cancel, within three days, certain loans secured by
The most common ownership categories are:
Single Accounts
These are deposit accounts owned by one person and titled in that person’s name only. An individual account is an account with only one account owner, and may be withdrawn only upon the signature of the account owner or his/her legally authorized representative. All single accounts at
Yes. Federal Reserve Board rules governing funds availability permit a bank to hold a large check ($5,000 or more) for up to seven business days if it’s a local check and up to 11 business days if it’s a non-local check.
North Valley Bank provides financial products and services to meet the needs of both consumers and businesses in Shasta and Trinity Counties. Its products include checking and savings accounts, loans, credit cards, internet banking and cash management services. In addition to these depository services, North Valley Bank engages in a full complement of lending activities
When individuals wish to guarantee payment to someone they think of these three types of checks but often don’t know one from another. Let’s attempt to set them straight.
A Certified Check is a type of check where the issuing bank guarantees the recipient of the check that there is enough cash available in the
Well, Jim Cramer of CNBC has said it’s time to get out of Treasuries. On his show last night he stated that it is time to get out of government securities and sell long term Treasuries or those with terms of ten years and longer. Of course, that’s Jim’s opinion. There was an article on
A bank that accepts deposits of and performs banking services for other depository institutions.
Compound interest makes a distinction from simple interest due to the reinvestment of interest factoring into the rate of return. Compound interest is the method of calculating the rate of return by adding accumulated interest back to the principal investment, so that interest is earned on both the original principal and the interest as it accumulates. The more frequently the interest
Some banks would prefer that you bank online or use an ATM for deposits and withdrawals. So, use the teller whenever you must, but learn to transfer funds online and make deposits using the ATM. The bank is able to greatly reduce costs by having their customers use automated services but often these
East West Bank is a full-service commercial bank that serves consumers and businesses throughout California. East West Bank was chartered by the Federal Home Loan Bank Board in 1972 as the first federally chartered savings institution focused primarily on the Chinese-American community. The bank opened its first office in the Chinatown district of Los Angeles
When choosing the best bank for your needs you need to find a bank that is convenient, pays a competitive yield, and provides you with the service and products you need. Start by evaluating exactly what your needs are from a bank. From here you can review the different bank products from checking accounts and overdraft protection to
Chasing high bank CD rates is always a sound strategy to increase the rate of return on emergency funds, reserve funds, retirement funds and more. Switching has become a far easier process. Now banks are making it even easier to collect your funds form on bank and transfer them to another. It means you can
The issuance of approval, by a credit card issuer, merchant, or other affiliate, to complete a credit card transaction.
Banks make money by accepting money from you and paying you interest on the money and then loaning it out a higher rate of interest. That sounds like a good way to make money, but banking is competitive and there is a bank on every corner trying to do the same thing.
So, banks have
If you maintain a low average balance in your primary checking account, be careful when you use your check card or debit card frequently. Just because the card it works doesn’t mean there is sufficient funds in the account. You can still overdraw your checking account, be cautious when you know your funds are low.
A cashier’s check is a check issued by a bank and payable to a specific person. Because a bank issues a cashier’s check, itself, the cashier’s check is paid by funds of the bank and not the depositor. Therefore, if an item is genuine, there is very little risk that the instrument will
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