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madam [21]
4 years ago
10

What are some considerations in choosing a financial institution?

English
1 answer:
Neko [114]4 years ago
8 0
<span>Security of your funds.  Make sure that any bank or credit union is insured by the Federal Deposit Insurance Corporation (for banks) or the National Credit Union Association (for credit unions.)  Absolutely, positively do not use a bank that does not have such protections.Fees.  You should be able to find an account that does not charge you any fees for basic account transactions.   Examples of fees to avoid include monthly fees, per check fees, and fees for account assistance (talking to a representative, using in-branch services.)Ease of deposit.  Even in this age of direct deposit, everyone has an occasional need to deposit checks or cash.  Even if your bank does not have a physical location near you, they may offer mobile or home deposit services to make check deposits fast and simple.  Consider how often you might want to deposit cash, and how that would happen.  If you can’t even imagine a situation where you would be depositing cash, then that probably isn’t a factor for you.ATM fees.  If you use your ATM card frequently, definitely consider the fees your bank does or does not charge for ATM usage.  Some banks offer to rebate ATM fees up to a certain amount each month.  If you travel frequently and can’t always use your bank’s ATMS, this might be important to you.Interest rates.  Interest rates work both ways:  the rates you receive on your money on deposit with the bank, and the rates you pay when borrowing via credit card or loan.  Ideally, you will find an account that pays higher-than-average interest on your deposits and charges lower-than-average interest on your debts.Online banking features.  Do you like to use online bill pay?  Choose an account where it is free.  Need to transfer money to others regularly?  Make sure your bank is equipped to process those transactions quickly and easily.Minimum balance requirements.  Some accounts require you to maintain a minimum balance before they begin charging account fees.  Make sure any minimum balance requirement is something that you can comfortably afford.Branch availability.  Some people can not be comfortable with a bank that doesn’t have a physical location nearby.  Think about your needs and wants and see if this important to you.Customer service.  When you have a problem or question, the last thing you want is to sit on hold, or get a customer service representative who is unhelpful or not nice.  Ask around to find out what banks make your friends happy!<span>Availability of funds.  Some banks offer early release of active duty pay deposits.  This is a feature that is popular with many customers</span></span>
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Explanation:

Hope this helps you

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The man's eyes grew glassy and lifeless like some kind of horrible, demented doll. James hadn't meant to do it, but now, he could never take it back.

His heartbeat quickened, pounding in his chest, robbing him of the cold gasps of air he yearned for. His eyes burned with crystalline tears that threatened to spill, cascading down his pale cheeks, stinging from the knifelike winds.

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The moon was hanging in the sky eerily, reminding him of brighter days, better days where it was Apollo, not Artemis that smiled down, sun-kissed rays covering them both.

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He remembered the saccharine nectar that brought back the taste of peaches, bursting with sweet juice that coated their cheeks.

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<em>Oh.</em>

A burning resentment filled his throat, all the words they'd left unspoken, years of memories, his lingering touch.

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He knew, and yet he smiled his divine smile, his voice barely able to conceal the hurt the resonated within his soul, echoing through the chambers of his diaphragm.

He knew and he let it happen.

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James stared at his stained hands, then back at the cold, empty corpse.

His eyes, they were still open.

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But as James knelt forward, gently touching his fingers to the pallid lids, he supposed he should've known that his golden boy would be the one to make the ultimate sacrifice for his greed.

Enjoy! Please tell me what you think.

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3 years ago
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