Consumer Banking

Avoid Default on Government Student...

The amount of student loan debt in the U.S. is close to $1 trillion. Student debt has passed up credit-card debt to become the second-largest category of cons.... Read more

Using Credit Cards Correctly in Try...

Federal and state laws impose a variety of obligations on credit card companies. These laws regulate areas such as discrimination, information disclosure, bil.... Read more

Prepaid Debit Cards Largely Unregul...

Prepaid debit cards continue to grow in popularity and usage. In 2009, consumers loaded $28.6 billion onto these cards. In 2011, the amount was $83.3 billion..... Read more

Consumer Banking

Do I Need Overdraft Coverage?

If you’re not careful, the cup of coffee that you buy with your debit card can cost you close to $40. If you then buy a newspaper and a sandwich (in separate transactions), each of those items... Read more

AFS: New Source of Cash and Credit

Alternative Financial Services (AFS) businesses are a major source of banking and credit services for the un- and under-banked, low-income and working poor consumers, residents of minority neighborhoo... Read more

Avoid Default on Government Student Loans

The amount of student loan debt in the U.S. is close to $1 trillion. Student debt has passed up credit-card debt to become the second-largest category of consumer debt in the country. Only mortgage de... Read more

What to Know Before Applying for a Personal Loan

Taking out a personal loan generally requires making an application with a bank. If you are approved, you must then sign a promissory note before receiving the funds. However, getting the loan isn't a... Read more

Linking a Checking Account and Debit Card Could be Risky

Having a checking account that's linked to a debit card is almost a necessity these days. It is a standard option offered by most banks. However, this doesn't mean that all checking accounts are the s... Read more

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