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Webbanking - Did you know that webbanking can save you money? It is a free service offered by your bank with your transactions on line. Not only is it a free service, but you can save money by paying companies and individuals from your online account. That's right. It is free to have checks sent to companies and individuals for business and personal reasons. If you haven't registered for webbanking, call or visit your bank branch for more information on webbanking.
Bank Account Overdrafts - Paying $30+ or more for an overdraft of your account gets pretty expensive. If you don't have overdraft protection to prevent you from paying the total fee, what do you do? Do you accept that and go on until the next time and you have to pay another $30+. Did you know that when you are charged a fee at your bank for an overdraft that occurred on your account, you can call your branch office, or visit them and request that the overdraft fee be waived. It is as simple as visiting your branch office or calling and requesting that the fee be waived. In many instances, the bank will waive the fee. Don't abuse the priviledge of having a fee waived by creating an overdraft on a recurring basis month after month. If bank representatives see a pattern of overdrafts on your account, the fee will probably not be waived.
411 Alert!
Free 411 1-800 number you can use for calling information. The number to call without being charged $1.00 when calling information on your home phone and/or cell phones are 1-800-FREE-411 or 1-800-373-3411. So before you dial 411, remember it's really a free service when you dial the 1-800 number.
ATM Deposits and Withdrawals - Using a drive-up ATM to make a deposit or withdrawal costs you more money. If you are trying to save money and spend wisely, start by using the bank's ATM walkup service where there is no charge. By using the driveup ATM you are charged at least $2.00 minimum fee each time you use it. Not only do you pay for using it, you pay another $2.00 to your bank for that same service. By taking the time to either use the walkup ATM or go into your branch office to make your transactions, you are charged at least $4.00 mimimum for each transaction to withdraw your own money.
HOME TELEPHONE SERVICE - With the economy as it is today, you may want to shop around for a good telephone service provider with a monthly fee of $30 or less. If you have a computer and you're connected to the internet, it may be worth your while to investigate Vonage online telephone service. As a customer for 2 1/2 years I highly recommend it. It is as low as $30/month and you get unlimited local and long distance calls. There was a time when we couldn't talk to family and friends in other states for less than $200, $300 and $400 or more a month, but with Vonage, they charge one flat rate of $30. Not only that, you can refer relatives and friends to sign up and get an extra month free. If you know of a telephone provider that provides services equal to or greater than the savings that you get with vonage, send an email and tell us about it. We'll share your information on this page.
Having Documents Notarized - Did you know that having legal documents notarized is a free service offered by your local bank branch? It is totally free. Check your branch office for details.
Information for Ordering Your Free Annual Credit Reports:
Call 877-322-8228(toll free)
Mail to:
Annual Credit Report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
The Annual Credit Report Form is available at the Federal Trade Commission's (FTC) website.
Apply on line: Annual Credit Report
On our Information Listing check out the information listed for finding unclaimed property which gives a complete listing of state unclaimed property offices. Also, check out our Articles 4 for information you can use. It is a subject that most are familiar with.