Business and Personal Finance classwork && homework packet question.
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is the bank FDIC insured? what interest rate does the bank pay for savings/charge for a loan? is there a shorter term program the bank has that pays higher interest than a standard savings account? (a lot of Christmas Clubs pay more and have a moderate cap on the $ you can put in.) on the loan is the rate fixed? is there penalty for early pay off? what will my monthly note be? when are the notes due? do i have a grace period? how many days? what is the penalty for being late? try to negotiate on any fees including interest.
What is the minimal deposit?
What are the current rates of interest?
What penalties or fee’s are there?
How many different tiers of savings are there, and what are the benefits of each?
There’s a lot to learn about personal finance, and so many lies and myth’s out there…your gonna have to do some research and find out which banks can be trusted, and deliver good products and services, and which can’t.
Just because it’s a big bank, doesn’t mean it can be trusted. same with any size…..
Also important to ask if they offer online banking/billing, anything that you can use to automate your financial life, can really be a life saver…
The biggest ones are what is the minimum balance required to maintain the account, when does it become inactive, what are the fees and penalties, finally how many transactions are allowed to be moved out of the account before it gets changed to a checking account. These are the key ones that I would ask, I am not sure what your class is looking for since I don’t have the book.
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What’s the interest rate? Can I get a standard amount deducted from my paycheck?