Your Personal Finance Wizard
With Overdraft Protection, your bank covers your transactions when you don’t have balance in your checking accounts without overdraft fees. Bank collects the required funds from a linked savings accounts, credit cards, line of credit to cover the transaction of the overdrawn account. We have all faced a situation when our debit card transactions declined … Read more
You can get an ACH credit from employer sending you payroll or bonus, stimulus checks, tax refund, government benefits, or even money from a friend. Because ACH credit or direct deposit happens when someone sends money to your account using the ACH network. Received an ACH credit but not sure where it came from. Well, … Read more
No, it’s not 100% safe to link bank accounts to PayPal. Though PayPal is one of the safest and most secure online payment systems in the world. But you can always be a victim of phishing and online fraud. Over the past few years, online shopping and the usage of PayPal or other payment platforms … Read more
Generally, it’s possible to link bank account without verification. However, the catch is there will be limitations and not all banks let you link and transfer a large amount without verifying your identity. In a hurry?Listen to this audio summary Tired of verifying yourself every time you link a new bank account to transfer money? … Read more
To merge bank accounts from different banks you need to link both of the accounts using your online banking system or manually. Then choose one account with the best features and transfer all your money into the chosen account. Lastly, close the other account. Looking for a way to combine your bank accounts into one … Read more
In most US banks, it’s not possible to open a free online bank account without ID. However, some banks allow it but they require Social security number or ITIN number to open a free online bank account. In a hurry? Listen to this audio summary “Do I need an ID for opening an online bank … Read more