8 Great Money Saving Ideas for 20 Somethings

8 Great Money Saving Ideas for 20 Somethings Yeah, I know. When you’re in your 20s it seems like the rest of your life is so very far, far away. It’s probably the first time in your life you have a steady income and the first thing you want to do is buy some of the things you’ve always wanted and could never afford. You want to go out with your other working friends and have a good time – there’s always more good times…

4 Real Ways to Never Pay ATM Fees Again

4 Real Ways to Never Pay ATM Fees Again I see quite a few posts on the web about how people can avoid ATM fees, but a lot of the information looks recycled from other posts.  Some of the suggestions seem kind of obvious too, like getting cash back at the register and making larger ATM withdrawals to decrease total visits.      Plus I’ve never seen someone talk about the two different kinds of ATM fees. So this time, you’re going to hear it…

What is Overdraft Protection? (Part 3)

What is Overdraft Protection? (Part 3 of 3) In part one of “What is Overdraft Protection?” we reviewed how overdraft protection can actually be a few different types of services offered by a bank.   A formal overdraft protection “program” that allows overdrafts and charges overdraft fees.   Overdraft protection from another account.  . Overdraft protection from a line of credit. I explained an overdraft protection program in the part 1 of “What is Overdraft Protection?”.  In part 2 of “What is Overdraft Protection” I…

What is Overdraft Protection (Part 2)

What is Overdraft Protection? (Part 2 of 3) In part one of “What is Overdraft Protection?” we reviewed how overdraft protection can actually be a few different types of services offered by a bank. A formal overdraft protection “program” that allows overdrafts and charges overdraft fees.   Overdraft protection from another account.  . Overdraft protection from a line of credit. I explained an overdraft protection program in the part 1 of “What is Overdraft Protection?”.  If you need to learn about an Overdraft Protection Program,…

What is Overdraft Protection?

What is Overdraft Protection? (Part 1 of 3) One of the least understood banking products of the 21st century has got to be Overdraft Protection. Some customers really like it, but as a banker, I can assure you that banks like the fees more.  In this post I'll review the following: What is overdraft protection? What fees are involved in overdraft protection? Types of Overdraft Protection Overdraft protection laws that help protect you. What is Overdraft Protection? In order to understand overdraft protection, you first…

How Does An Overdraft Work?

How Does An Overdraft Work? As a banker, I get this question quite a bit.  When you think about it, don’t you find it quite amazing none of those “valuable” high school courses didn’t have a day or so to talk about bank account overdrafts?  Didn’t someone think it may be useful to learn how to avoid overdraft  fees and save thousands of dollars over our lifetime?  I guess learning geometry – which I never use- was more important! Knowing how overdrafts work will definitely…

Getting Back Overdraft Fees in Three Easy Steps

Getting Back Overdraft Fees in Three Easy Steps In this post I talk about how to get back your overdraft fees in 3 easy steps.  Coming from a banker who reverses overdraft fees all the time, it should work great for you!  Before asking for overdraft fees reversed, you should understand the types of overdraft fees.  This way you can have an intelligent conversation about them and increase your chances of getting the fees reversed.    If you need to review the different types of overdraft…