Banking

How the Debt Ceiling and Budget Deficit Affect Your Finances - Verified by FangWallet
5 min read

How the Debt Ceiling and Budget Deficit Affect Your Finances

5 min readThe debt ceiling is a cap set by Congress on how much money the federal government can borrow to meet its existing financial obligations. When reached, it creates a political tug-of-war that can impact government services and economic stability.Continue reading "How the Debt Ceiling and Budget Deficit Affect Your Finances" →
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Ben Carlson<span class="bp-verified-badge"></span> Ben Carlson
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Banking,Business,Debt,Opinion
5 min read
how to rebuild credit after bankruptcy
10 min read

How to Rebuild Credit After Bankruptcy: A Fresh Start Guide

10 min readBankruptcy can lower your credit score. This can make it difficult to get loans or credit cards. Rebuilding your credit after bankruptcy takes time. Secured credit cards and credit builder loans are good ways to improve your credit. It is essential to check your credit report for mistakes and to dispute any errors. […]Continue reading "How to Rebuild Credit After Bankruptcy: A Fresh Start Guide" →
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Ben Carlson<span class="bp-verified-badge"></span> Ben Carlson
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Banking,Debt,Loans
10 min read
how many capital one credit cards can you have
4 min read

How Many Capital One Credit Cards Can You Have Without Risking Denial?

4 min readWhile Capital One doesn’t publicly state a limit on credit cards, it’s generally understood you can have up to five personal cards at once. Applying too quickly for multiple cards, even from one issuer, can hurt your credit score due to hard inquiries. Capital One reportedly won’t approve a new card if you’ve […]Continue reading "How Many Capital One Credit Cards Can You Have Without Risking Denial?" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Credit Cards,Guides
4 min read
how long can a bank hold a check by law
6 min read

How Long Can a Bank Hold a Check By Law? Find Out Legal Limits

6 min readBanks place holds on checks to ensure funds are available and to combat fraud. The duration of a check hold varies depending on factors like the check type, deposit method, and bank policies. Federal regulations, like Regulation CC, provide guidelines for hold times. Generally, funds for government-issued checks, cashier’s checks, and checks under […]Continue reading "How Long Can a Bank Hold a Check By Law? Find Out Legal Limits" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Business,Legal
6 min read
what is a processing fee
10 min read

What Is a Processing Fee and Why Do You Pay It?

10 min readProcessing fees: Processing fees are a necessary part of accepting electronic payments, ensuring secure and efficient transactions for both businesses and consumers. Types of fees: Understanding the different types of processing fees, such as interchange fees, assessment fees, and processor markups, is crucial for businesses to optimize their pricing strategies. Influencing factors: Factors […]Continue reading "What Is a Processing Fee and Why Do You Pay It?" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Business,Guides
10 min read
Beginner's Guide to Claiming Your Stimulus Check - Verified by FangWallet
4 min read

Beginner’s Guide to Claiming Your Stimulus Check

4 min readThe U.S. government gave money to help people during hard times. To get your money, you need to see if you can receive it based on your income and taxes. Collecting papers like your Social Security number and tax records will help things go well. The IRS has online tools to help you […]Continue reading "Beginner’s Guide to Claiming Your Stimulus Check" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Guides,Personal
4 min read
Insider Tips for National Rental Car with Amex Platinum - Verified by FangWallet
4 min read

Insider Tips for National Rental Car with Amex Platinum

4 min readUse your Amex Platinum card to get Executive status with National Car Rental, offering better vehicle options and faster service. Enjoy complimentary car rental insurance coverage up to $75,000, reducing the need for additional insurance purchases. Earn a free rental day faster—after six rentals instead of the usual seven required for regular members. […]Continue reading "Insider Tips for National Rental Car with Amex Platinum" →
FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Auto,Banking,Guides
4 min read
how does a online savings account work
5 min read

How Does an Online Savings Account Work? Smart Ways to Save

5 min readOnline savings accounts are run online. They can offer better interest rates and lower fees than regular banks. You can access them anytime and use various online banking tools. However, they do not have face-to-face support. You can add money using ATM, direct deposit, transfers, checks, or wire transfers. You can take out […]Continue reading "How Does an Online Savings Account Work? Smart Ways to Save" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Guides,Technology
5 min read
Can You Cash a 2-Year-Old Check? Here’s What Banks Say - Verified by FangWallet
4 min read

Can You Cash a 2-Year-Old Check? Here’s What Banks Say

4 min readIn most cases, a check that is older than six months is seen as stale. Banks may not take it. There are no federal laws that state when a check runs out. The Uniform Commercial Code (UCC) has rules that many states agree with. Banks can create their own rules for older checks. […]Continue reading "Can You Cash a 2-Year-Old Check? Here’s What Banks Say" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Guides,Legal
4 min read
What Happens If Your Bank Account Goes Negative? Fees & Consequences - Verified by FangWallet
4 min read

What Happens If Your Bank Account Goes Negative? Fees & Consequences

4 min readA negative bank balance happens when you take out more money than you have. This can lead to fees, failed transactions, and closing the account. A negative balance can hurt your credit score. It may also make it tough to open new accounts. Monitor your balance. You can set up alerts and think […]Continue reading "What Happens If Your Bank Account Goes Negative? Fees & Consequences" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Guides,Personal
4 min read
why are banks closed on sundays
7 min read

Why Are Banks Closed on Sundays? The Impact on Customers and Businesses

7 min readMost banks in the United States are closed on Sundays, but some have shorter hours. Banks close on Sundays to give their workers a rest, follow long-standing practices, reduce costs, and stay connected with the larger financial system. When banks are closed on Sundays, it can be hard for people with urgent needs […]Continue reading "Why Are Banks Closed on Sundays? The Impact on Customers and Businesses" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Business,Guides
7 min read
is a money order the same as a check
5 min read

Is a Money Order the Same as a Check? When to Use One Over the Other

5 min readMoney orders and checks create a paper trail for spending, unlike cash. They are similar but have key differences that serve different needs. Money orders are prepaid and guaranteed, whereas personal checks withdraw funds from an account after deposit. Money orders are typically used for smaller amounts, usually under $1,000, while cashier’s checks […]Continue reading "Is a Money Order the Same as a Check? When to Use One Over the Other" →
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FangWallet Editors<span class="bp-verified-badge"></span> FangWallet Editors
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Banking,Guides,Loans
5 min read

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