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Consequences of Depositing a Fraudulent Check: Legal & Financial Risks

If you don’t write or receive many checks — check payments account for just 8.3% of non-cash payments made — you may not think too much about the potential consequences of depositing
Understanding NSF Fees: Causes, Consequences, and How to Avoid Them

When you make a payment without enough money in your checking account, one of two things can happen: Either your bank covers the payment, or it doesn’t. Neither scenario is good, a
COVID-19's Lasting Impact on Financial Habits: Key Trends & Future Plans

COVID-19 has altered some Americans’ financial habits, potentially forever. A joint survey from Credit Karma and Qualtrics found that 43% of Americans have new financial habits as
Understanding ABA Routing Numbers: What They Are & Why You Need Them

If you’ve ever set up direct deposit, made an electronic transfer, paid a bill online or deposited a check via mobile deposit, you’ve probably had to provide your bank’s ABA transit r
How to Stop a Check: A 3-Step Guide to Preventing Fraud & Loss

If a check gets lost or stolen, or if you change your mind about paying someone for some reason, canceling the check before it’s cashed may prevent you from losing some money. You
Closing a Checking Account: A Step-by-Step Guide

Not all banking relationships last forever. At some point, you may be ready to trade in an old bank account for a new one with better features, lower fees or a higher interest-earning
Conventional Loans: Your Guide to Private Mortgage Options

If you’re shopping for a mortgage, you may hear the term “conventional loan.” A conventional loan is a mortgage issued by a private lender without going through a government progra
Cashier's Checks: What They Are & When to Use Them

If you’re making a big purchase (or a big sale) and want your money to be secure, a cashier’s check might be a good choice. You have many options for making a big-ticket purchase o
Understanding Checking Account Monthly Fees: What to Expect & How to Avoid Them

It’s an ironic reality of banking: You may have to pay in order to use your own money, even if you open a “free” account. Both online and brick-and-mortar banks may charge monthly
2020 Coronavirus Stimulus Package: Breakdown of Key Provisions

Photo by Jeff Fusco/Getty Images After months of legislative gridlock, President Donald Trump has signed a second coronavirus stimulus package that will impact households and small bus
Understanding Your Checking Account Balances: Current vs. Available

Keeping an eye on your checking account balance is key to managing your money. But checking accounts typically have more than one type of balance. So which one should you watch? If
Understanding & Avoiding Overdraft Fees: How to Prevent Negative Bank Balances

If you have a negative bank account, that means you’ve taken out more money than was available in the account. Letting an account go negative can be costly, because banks charge fe
Understanding Check Holds: How They Work & Impact Your Bank Balance

If you’ve ever deposited a check in your bank account, you probably noticed it can take some time before the funds are available for you to use. Banks commonly put a hold on newly
Optimal Checking Account Balance: A Comprehensive Guide

Striking the right balance of how much money to keep in your checking account takes some planning. Keep too little and you could run afoul of any minimum balance requirements or ha
Understanding Home Equity: A Comprehensive Guide

If you’re thinking about borrowing against your home, it’s important to understand what home equity is and how much equity you have. Home equity is the market value of your home mi
Digital Banking Adoption Soars: Post-Pandemic Trends in US Finance

More and more people have been using online tools or mobile apps to manage their finances, and COVID-19 restrictions have helped accelerate that trend. A Credit Karma/Qualtrics sur
Cashing Checks for Minors: A Guide for Parents

Has this happened in your family? Grandma gives your son a $100 check for his birthday, but he’s unbanked, unemployed — and only 5 years old. How is your kindergartener (or any min
Second Stimulus Checks: Impact on American Financial Stability - Credit Karma/Qualtrics Survey

Many Americans have been anxiously awaiting a second round of economic impact payments — known as stimulus checks — for months. A recent Credit Karma/Qualtrics survey found that 54
Transferring Check Ownership: A Guide to Signing Checks for Others

While it’s usually possible to sign over a check you’ve received to someone else, it may not always be your best option for paying someone when you owe them money. Not all banks wi
Student Checking Accounts: A Comprehensive Guide for Students

Whether you’re in high school, college or vocational school, a student checking account could be the beginning of a long-term banking relationship. Student checking accounts are pe

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