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Banking 101: Credit Card Basics

A credit card is a plastic or metal card that lets you pay for goods or services using the credit card issuer’s funds with the promise that you will pay the card issuer later.

Banking 101: What is a Notary Public?

A notary public is a public official appointed by state government who verifies the authenticity of important transactions and serves as a witness to the signing of important documents.

Glossary of Business Loan Terms

Brush up on business loan terminology with this glossary of terms.

Banking 101: What is FDIC Insurance?

FDIC Insurance protects bank depositors against the loss of their insured deposits in the event that an FDIC-insured bank or savings association fails.

Banking 101: What is a Money Market Account?

A Money Market Account (sometimes referred to as a Money Market Demand Account or MMDA) is an interest-bearing savings account which also has features of a checking account.

Banking 101: What is a Safe Deposit Box?

A safe deposit box (or safety deposit box) is an individual secure container, usually a metal box, that stays in the safe or vault of a federally insured bank or credit union.

Banking 101: What are Overdraft and NSF Fees?

The terms “overdraft fee” and “NSF fee” are sometimes used interchangeably, but they are different. The common element to both fees is a shortfall of money in the account.

Banking 101: What is a CD?

The term “CD” is the short name for “Certificate of Deposit” and is a type of savings product with a fixed time period and interest rate.

Banking 101: What is a Joint Account?

Joint accounts are owned by two or more people and can be useful when people are sharing expenses such as household bills or saving for a common goal. With a joint account, deposits in the account or belong to all owners named on the account.

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