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If you see the following charge on your statement: “TOT ODP\SWP CR MEMO” and wandering what it is then – we’re sorry to be the ones to let you know that it is a charge related to bank overdraft fees in your Chase checking account. Chase could certainly be clearer in communicating what this charge...
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Why do we need your overdraft fees? According to the CNN (so you know, it’s very accurate information), if Biden gets elected, he might appoint regulators that could crack down on overdraft fees.A Bloomberg analyst (so again, very accurate) even says that “Overdraft fees are one of the biggest risks to the banking industry under a Biden...
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I am an optimistic person, even though most people think I’m not for some reasons (maybe because I’m not smiling that much? Things are happening inside, leave me alone).Anyway, I wanted to start this week with a few GOOD things that happened these past few days:- Your pensions are good. The stock market had its...
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We’ve all been there: an unexpected expense has left you short at the end of the month. You are in danger of dipping into an expensive overdraft and just need some cash to help you out until you get paid. A cash advance app can be the perfect solution. You can even find apps to...
Did you try out the Dave app because you were looking for pay advance apps? Are you wondering if there are other apps like Dave because either you were not happy with their app or you’re looking for more money than the amount which they currently offer? Well, you came to the right place! In...
Student loan refinancing means swapping your current student loans for a new loan with a lower interest rate. That could save you big money over time. When you refinance, a lender pays off your existing loans with a new one at a lower interest rate. That will save you money in the long run —...
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This article is part of the Overdrafting in the United States report America’s current political climate is fraught, tense and deeply partisan. Arguments flair up daily over events national and international, each side staunch in its take. But when it comes to personal finance, can Americans agree? When it comes to, say, national overdraft habits,...
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This article is part of the Overdrafting in the United States report “According to a recent report,” said Seth Meyers on the “Jokes Seth Can’t Tell” segment of “Late Night With Seth Meyers” in late 2017, “gay men earn more money than straight men. Because straight men work but gay men weeeeeeerrrrrkkkk.” Meyers was immediately...
Overdrafting in the United States OverdraftApps.com deployed a comprehensive anonymous survey to determine the state of financial overdrafting in America. Just over 1,000 Americans participated in the survey, with representation from 46 states. More information on the survey process, methodology, and respondents can be found in the methodology on page 15. The key insights of...
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This article is part of the Overdrafting in the United States report OverdraftApps set out to learn just how hard Americans are hit by overdraft fees, or fees incurred when a bank charges customers for letting them use more money than they have in their accounts (either by linking their checking account to another, like...
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Are your finances stressing you out? You Need a Budget! Or perhaps you need Personal Capital? Both are apps which offer some smart financial management tools to help you get in control of your money. Find out the differences between YNAB vs Personal Capital in this article below. Personal Capital app Personal Capital is a...
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Given that there are more than 200 robo-advisors in the U.S. it can be tricky to know which one offers the best investment management service for your needs. In this article, check out the differences between two major investment apps: WiseBanyan vs Wealthfront. WiseBanyan app WiseBanyan bills itself as being the world’s first free financial...
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If you want to start investing or would prefer a hands-off approach to investment management, using a robo-advisor could be a good option for you. There are more than 200 robo-advisors in the U.S. so the question is, which one should you use? To help you narrow the list down, check out this article which...
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If you find yourself in a situation where you would like to pay down your credit card debt, finance a move or take that trip you always wanted, taking out a personal loan is a good way to do that and not leave yourself overwhelmed with debt as a result. Are you asking yourself “Where...
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If you’re asking yourself, “Where can I get a loan with no credit?”, perhaps you’ve already applied for a loan and have faced rejection because of non-existent credit history. Fear not; there are some lenders that you can safely approach, who will be happy to do business with you. However, when it comes to not...
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If you’re in need of a lump sum of between $1,000 and $50,000 to fund a vacation, a car, a wedding, home improvements or even to cover you for an emergency, a personal loan is one option to consider. What is a benefit of obtaining a personal loan, compared to other financial solutions, you might...
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The short answer is: you will pay outrageous overdraft fees! This article will concisely explain what happens if you overdraw your checking account. We will also cover the reasons it happens, and how much it will cost you. As you may already know, you will have an overdrawn bank account when you try to spend...
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You were recently charged an overdraft fee and you want to know – what does overdrawn mean? It simply means that your account has a negative balance. Any transaction you now make will cost you a lot of money! The way the banking system works in America is quite straightforward. Every transaction that will bring...
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Purchasing a home is a major milestone, but it can also be an intimidating process. It’s not as complicated or scary, however, when you know what lenders expect, and when you understand the requirements for a mortgage. So, what do you need to qualify for a home loan? Here’s how a lender decides if you’re...
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If you currently use the robo-advisor, Wealthfront, and you want to cash out your investments, you might be wondering what the Wealthfront withdrawal fee is. This article covers the ins and outs of withdrawal fees, penalties and how long it takes to withdraw funds from Wealthfront. Wealthfront’s fee structure is relatively straightforward. In short, Wealthfront...
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Two of the leading companies in the robo-advisor industry are Betterment and Wealthfront. Both offer an automated investment service with a low annual management fee starting from just 0.25%, but there are some critical differences between them. This article explores Wealthfront vs Betterment performance as well as highlighting the main points to know about each...
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With more than $10 billion in assets under management, Wealthfront is one of the most popular robo-advisors around at the moment, thanks to its straightforward and competitive advisory fee of 0.25% and comprehensive financial planning tools. If you’ve already signed up for an investment account with this platform but aren’t sure what your Wealthfront risk...
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With college tuition fees now way higher than what they were two decades ago, parents are under increasing pressure to stump up enough cash to send their kids off to their dream college. A savings vehicle to consider is a 529 plan, which can be accessed through many brokers/advisors including Wealthfront. Check out our Wealthfront...
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Do you find money management a bit of a minefield? You’re not alone if so. Juggling income, expenses, debt, and savings can be a tedious and somewhat bewildering task. Luckily, there are plenty of apps around that can help you simplify your finances. Wally is one of them – check out our Wally app review...
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Budgeting is the cornerstone of your personal finances. Everyone knows the basic principle: spend less than you earn, save the rest. Getting budgeting right means a bit of planning every month and tracking your spending. Apps are excellent tools. You can pick from the fully-featured and clever, like Mint and YNAB, to the straightforward, like...
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Signed up to an investment service and got the ideal asset allocation? Think you can simply remain invested and forget about it? Think twice: every investment portfolio should regularly be reviewed and rebalanced. But don’t stress: robo-advisors can automatically rebalance your portfolio for you. One of the top robo-advisors is offered by Vanguard, let’s take...
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The stock market moves quickly, you need constant access to your trading tools wherever you are. Trading apps make it easy to trade stocks on your phone or tablet, but trading apps are not equally capable. Besides, some traders need a bit more guidance from their stockbroker whereas other traders simply want in on the...
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A budget is essentially a spending plan or a guide for how you’ll allocate income for expenses, debt repayment and savings. Budgeting can be tedious, restrictive and difficult at first, and some people would rather stick their head in the sand than deal with their money. But regardless of your income level, you can’t go...
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Getting a credit card as a student can help you build your credit history from an early age. The trick is to get a card with a low limit and to spend on it every now and again, always paying the bill in full. That way you can build a blue chip credit history early...
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The Synchrony Bank PC Richards Credit Card can be used to receive 0% APR financing for 6 months or more on many of the electronic goods, appliances and mattresses that P.C. Richard & Son has to offer. It’s a store credit card that can only be used at this retailer, so if you shop there...
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Consumer banking and finance has opened up thanks to the internet, with many online-only and limited-service banks providing useful, interesting products. Synchrony Bank is one example. But which services does Synchrony Bank offer, and what is the Synchrony Bank app like? Read on to learn everything you need to know about Synchrony Bank. Synchrony Bank...
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Choosing amongst thousands of stocks is a challenge. No investor can evaluate the fundamentals of every single stock on the market. But where do you start? A stock screener is a helpful tool, making it easier to narrow down your options to stocks that have an upside. Read on to discover everything you need to...
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Traditionally stock market investment had a high barrier to entry: you had to invest a lot of money and needed to know your stuff if you wanted to see real gains. No longer: technology removed the newbie challenges of stock market investing, with apps leading the charge. Stash is one of the simplest apps, find...
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Wondering whether to dip your toes into the world of investing? The Stash app may be a great way to take the plunge. Stash aims to make investing accessible to everyone, even those who don’t have much cash to put away. In this article, learn all about Stash, including how much it costs and how...
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A business loan can make all the difference. An injection of funds can help your business grow rapidly, entering new markets faster and acquiring new customers quicker. But when we’re thinking of start up business loans, bad credit & no collateral can be a huge stumbling block. In this article, we will discuss how your...
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Working out how much each person should pay for a night at the restaurant is always a hassle, never mind splitting the costs when traveling. A split app can make divvying up bills way easier. We’ve taken a look at some of the most popular split apps. Read on to see how a split app...
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SoFi is a great option if you’re looking to borrow a large amount at an excellent rate. However, you need a very good credit score to successfully apply for a SoFi loan. At SoFi you can borrow from $5,000 all the way to $100,000 with an APR as low as 5.0%. The company offers a...
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Small businesses can struggle to get financing for any number of reasons. Bad credit is often at fault as lenders think twice before issuing a loan to a business that does not have a perfect repayment history. The Minority Business Development Agency says that small businesses owned by minorities tend to have lower credit scores,...
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Scottrade operated as a discount brokerage firm, until September 2017, when it was acquired by one of its rivals, TD Ameritrade. If you’ve arrived here looking for information on the Scottrade app, this has now been replaced by the TD Ameritrade Mobile app – you’ll find information about it below, along with a review of...
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Schwab Intelligent Portfolios from Charles Schwab is an automated investment advisory service that uses sophisticated algorithms to build, monitor and automatically rebalance a diversified portfolio, based on your financial goals. However, what makes Schwab Intelligent Portfolios different from other robo-advisors? Find out in this article about Schwab robo investing below. How do Schwab Intelligent Portfolios...
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Charles Schwab and Vanguard are up there with the biggest and best asset management companies in the U.S. Both offer quality robo-advisor services that make investing low-cost and hassle-free for their customers. But how do these services compare side by side? This article covers the key differences between the Schwab Intelligent Portfolio vs Vanguard Personal...
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In March 2017, Charles Schwab added a new investment service to its range of offerings. Schwab Intelligent Advisory is a hybrid service, combining Schwab Intelligent Portfolios (a robo-advisor) with personalized advice from a Certified Financial Planner professional. This Schwab Intelligent Advisory review below sheds some light on the critical differences between the two options. Schwab...
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Getting on the property ladder is important for a whole range of reasons. Investing in the home you live in makes good financial sense, and for many people continuously renting can be a frustrating experience. Yet buying a home is challenging as most loans have a high deposit hurdle. But you need to start somewhere...
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When it comes to selecting an online broker, there are several factors to consider, including trading fees, the types of investment products available to you and what kind of support you’ll be getting. In this article, you’ll find a comparison between two top online brokers, Robinhood vs TD Ameritrade, to help you understand the critical...
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The Robinhood desktop app, called Robinhood for Web, was rolled out to all users back in spring 2018, as an alternative to this brokerage firm’s mobile app. In this article, find out how the two apps differ and whether the desktop version offers you any advantages compared to the mobile app. Robinhood for Web You...
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If you want to try your hand at DIY investing, the Robinhood app may be a good place to start, especially since you can trade stocks, ETFs and options commission-free. In this Robinhood app review, find out how the platform works, how it makes money and most importantly, what real users think to it. Robinhood...
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Dealing with expenses can be a real hassle, and there’s nothing worse than losing a receipt and forfeiting the claim for a valid business expensive. There’s an easy answer – stop trying to manage expenses on your own. A receipt app can take care of your expense management in a jiff. Check out these apps...
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MoneyLion is an app that allows you to borrow up to $500 at a 6% APR (this is not a typo) through their “Plus” service. MoneyLion also allows you to better manage your financial health by providing many services such as a financial planner and a credit builder. How much does it cost? How to...
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Most Americans strive to own their own home, escaping the rental trap. Qualifying for a home loan means greater stability in life and is often a fantastic investment. Homeownership frees you from difficult landlords and helps to build a savings pot for retirement. Getting a loan is not easy but you can boost your chances...
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Looking for excellent rates on personal loans, and have a good credit score? Check out the loan offering from Prosper, one of the oldest peer-to-peer lending platforms. At Prosper, you can borrow as much as $35,000 at a rate as low as 5.99%, for up to 5 years. The peer-to-peer lending platform can approve your...
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Struggling to keep track of which bills you need to pay and when? The Prism financial app could help you bring order to your finances and give you a complete picture of how your financial situation looks. Find out all about the app in this article below to see whether it’s for you. Prism account...
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nd use them to pay for purchases online or in-store at most retailers. Prepaid debit cards for kids do have a couple of additional benefits, however. Parents can track their kid’s spending activity, and many providers offer multiple cards on the same account so that you can transfer funds easily to your kid’s card. Debit...
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Giving your kid a debit card is one of the easiest ways to hand out pocket money. Debit cards can also help teach your kids the basics of personal financial management. Besides, with their parents increasingly paying for small purchases by cards, kids might well demand a payment card of their own. You’ve got plenty...
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Looking to give your kids a little financial independence? A prepaid debit card can help your child/teen develop some constructive money habits that they can take with them into adulthood. Check out some of the best prepaid credit cards for kids currently available below. Can a child really get a credit card? First things first...
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If you are looking for personal loan apps, you arrived at the right place. We want to share with you and review 5 of the most popular apps that would be able to provide you cash next time you need it. Must know: the amount that you need, your income and your credit score will...
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Robo-advisors and digital wealth managers are becoming increasingly popular with people who appreciate an automated or hands-off approach to investing and financial planning. There are several online financial software platforms to choose from that fall into these categories, each with various benefits. In this article, find out the main differences between two frontrunners: Personal Capital...
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Do you currently use Personal Capital to help you track your money and investments all in one place? This digital wealth manager provides plenty of useful tools and a comprehensive investment management service. However, are there any other platforms or apps that offer a similar service? Check out some Personal Capital alternatives below. Personal Capital...
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One of the benefits of the P.C. Richard & Son Credit Card is that you can get 0% financing for 6 months or more on various electronic goods, appliances, and mattresses. If you’ve arrived here after Googling “PC Richards credit card Synchrony Bank”, you’ll probably already know this and are looking for how to apply,...
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2018 has had its ups and down and for many people managing their money has been tricky. Improving on money matters is often a new year’s goal, most of us plan on managing our money better in 2019. Nonetheless sometimes a sudden borrowing need will come up. Read our review of the best borrowing apps...
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Getting paid weekly or bi-weekly is customary in the U.S, and in a perfect world, payday always falls a few days before bills are due. Of course, we don’t live in a perfect world. So at times, you may have more bills than cash in your bank account. If you don’t have an emergency fund...
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We have all (ok, most of us) been there! You miscalculated your expenses? Your paycheck is a bit lower this time around than usual? In this article, you will find concrete tips to prevent having an overdrawn bank account, and learn what to do when you bank account has a negative balance. Overdrafting is very...
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Do you need to write an overdraft check? If you do, this check will cost you a lot of money because your bank will have to cover you. That’s because the amount you write on the check will be higher than what you currently have in your checking account. Although it is quite expensive, writing...
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Interested in money cards for kids? This article covers the reasons why you should consider letting your children have their own debit card and gives an overview of Greenlight and gohenry, two frontrunners in the kids’ prepaid debit card space. Children’s debit card Rumour has it (on the web at least) that eventually, we’ll be...
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Most of us need a little extra cash sometimes. Whether it’s for a busted pipe or a car repair, a small expense can turn out to be a really big problem when it’s unexpected, especially when you don’t have the money to cover the costs. So, where do you turn to in times like these?...
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Many people are “fed up” with banks and their frequent unwillingness to work with individuals. What they may not know is that they can open checking accounts online instantly with many known banks directly from their websites or with online banks (that is, banks with no physical branches). Online banking is becoming one of the...
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Most businesses require a checking account to operate. Business checking accounts make it simple and easy to pay suppliers, and to receive funds from customers. In fact, in today’s age of cashless transactions it has become more or less compulsory for a business to open a bank account. In this article, we’ll explain to you...
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Is there any way to open a checking account online with no deposit? Yes, there is! Some banks won’t work with people who have very little money, but according to the FDIC, 93% of all Americans have a checking account. It’s almost a necessity for doing business in today’s world. Some employers refuse to issue...
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Sure, you can use a website for online trading. Websites offer fantastic online trading functionality, but it’s not always convenient to get behind a computer to get your trades sorted out. Apps are a better option, just what you need if you want to quickly react to market news while on the ago. Check our...
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In this article, we are going to give you information regarding online checking account interest rates. In other words, how much interest can you earn from having your money sitting in a checking account? Gone are the days when you were required to make a physical appearance to the bank to open a checking account....
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Like so many financial services nowadays banking is less and less tied to a physical place of business. The online revolution has made it incredibly easy to interact online with service providers, and millennials in particular are really engaging online whenever they need to do business with a financial provider. In any case, most people...
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Many banks offer overdraft protection including ODP transfer to checking, which is usually somewhat cheaper than traditional overdraft coverage. In this article, find out all about overdraft protection, how ODP transfers work and important points to consider. ODP meaning in bank So, what does it mean to have overdraft protection? Well, it’s a service you...
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You just lost your job? Your kid has an unexpected medical emergency? You’re here because you need cash now! It’s ok, it happens to everyone. We can help. Let’s dive into it! We reviewed some of your options (including payday lenders which we don’t like) if you need quick cash. Recommendation: it’s always good to...
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Performing an account balance check is without doubt the most useful thing you could do to avoid overdraft fees and have an overdrawn bank account. In fact, it is the best thing you could do to avoid bank fees in general. Many of us fail to check our balance regularly although it is completely free....
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With millions of Americans applying for mortgages every year there’s an obvious need for mortgage apps that make it easy to calculate what you can afford to borrow, and apps that let you apply using your mobile device. You can even get help with managing your mortgage on your mobile device. In this article, we...
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Dividend payments play different roles in the mind of an investor. For some it is simply a useful return on their investment, adding to the total investment value at the end of the year. For other investors dividends are effectively income and these investors need a monthly dividend calculator to understand what their monthly income...
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MoneyLion is a popular app, but what do users think about it? We’ve done the research for you, read this article to find out what users are saying about MoneyLion. What do they like about it? What’s not so good about MoneyLion? We’ve summarised MoneyLion reviews across app stores plus TrustPilot to make sure you’re...
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MoneyLion Plus is a new service launched by the Malaysia-based fintech startup in 2018. Subscribe (free if you log into the app everyday) and you will get access to a bunch of MoneyLion services, including $500 loans with a low APR, automated savings, a “credit builder” (MoneyLion will report to the credit bureaus when you...
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Do you need money fast? Looking for an additional income to top up your wages? You’re in the right place. Read on to discover the best money making apps for getting cash quickly. We also cover apps that are great for ongoing income and a couple of apps that are good for borrowing in an...
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Getting a loan using an app is sometimes just the easiest and quickest way to get cash when you urgently need it. Not all apps are the same though. You need to closely check out the app description and read money lending app reviews before you choose a lender. Let’s look at some of the...
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If you’re in need of extra cash, but don’t have the time to get a second job, why not check out some money earning apps? There are plenty of apps around that will pay you in cash, gift cards and prizes. Check out some of these below. Real money-making apps Swagbucks Swagbucks is one of...
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Smartphones have done a great job of sorting out life’s wrinkles, and smartphones are pretty good at helping us with money too. There is a money app for just about everything. Read on to see what you can do with money apps as we cover some of the best money apps you can get for...
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The Mint app is probably the most popular personal-finance app on the market. We decided to include it in our overdraft apps ranking because good financial behavior can help you avoid bank fees. Mint has been on the market for quite some time, it was launched in 2006. Since their founding Mint has changed a...
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Synchrony Bank and Synchrony Financial are part of the same bank, but the two names refer to different financial products. In this article, find out what Synchrony can offer you in terms of savings accounts, money market accounts, Certificates of Deposits and credit cards. If you’ve Googled “Luxury Synchrony Bank” and arrived here, you may...
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Did you try LendUp because you were looking for a payday lender? Were you unhappy with their service and want more information on alternatives loans like LendUp? Maybe you feel like they are too expensive (we agree!)? If yes, read the following article! PockBox.com App PockBox could serve as a great alternative to the LendUp...
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Repaying your loans on time is a big responsibility. You agreed to the loan terms and you need to make sure you pay on time. But life can get in the way, making it difficult to meet all your commitments. What alternatives are there? This article covers everything you need to know about paying loans,...
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Although they do not advertise themselves as an overdraft app, the LendingClub app can function as one in many circumstances. LendingClub is a payday lender that lends between $1,000 and $40,000. They issue loans based on a variety of criteria, including your credit score (often, even if you have a poor credit score you can...
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LendUp is an online payday lender app and while the reputation of payday lenders is terrible, it may serve you as an overdraft app if you’re in need of a quick cash. Watch out for the APR (Annual Percentage Rate a.k.a. how much you’re going to pay for your loan)! After entering some personal information...
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There’s no longer any reason why you need to hand out pocket money in cash, your kids can be just as card-savvy as you are. The key lies in giving your kids the right card to use. Handing your child a supplementary card on your credit card account is not ideal, instead consider a kids...
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Setting your child up with their own bank account or a prepaid debit card allows them to build critical financial skills from a young age so that when they enter adulthood, they’ll have already developed some good money habits. But which kid’s bank card or account should you choose for them? Compare some of the...
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If you’ve stumbled across this article while Googling “kid credit card free”, you’re in the right place. This article outlines what you can do to help your child start building a credit history for free and get them used to managing money using credit cards and prepaid debit cards. Can you get a credit card...
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If you’re considering using Robinhood, the investing platform that lets you trade stocks, ETFs and options commission free, you might be wondering “Is Robinhood app safe to use?” In this article, learn about how Robinhood works and the behind-the-scenes processes that are in place to look after your money and your personal data. Robinhood app...
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MoneyLion can point you in the right direction if you need to take better control of your money. This app is designed to help you make smarter decisions, whether you’re borrowing, saving, investing or looking for financial guidance. But if you’ve never heard of this service, you’re probably asking yourself: Is MoneyLion safe? Here’s what...
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Sometimes, your rent, utilities and car payment are due before you’re scheduled to get paid. If you run out of money and don’t have an emergency fund, a payday loan might seem like the next best thing. But these loans can be costly with their fees and high interest rates. If you’re looking for a...
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Perhaps you’ve already heard about Dave, a smart budgeting and cash advance app that closely monitors your spending and alerts you when you’re about to go overdrawn. It sounds awesome on the surface of it, but is Dave safe to use? Find out in this article below. Dave app review The app works by accessing...
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Cash App offers a way to send and receive money instantly, and unlike PayPal, it’s fee-free. With over 10 million downloads since 2013, it should be ok to assume that Cash App isn’t a scam. However, some reviews online beg to differ. So, is Cash App safe? We’ve done our homework and found out the...
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Acorns is an app where you can invest your spare change. It makes investing easy, even if you don’t have much money to play around with. Sounds good, but is Acorns app safe? Find out how Acorns looks after your money and your data privacy in this article below. Acorns app Acorns aim is to...
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Transferring money internationally outside of the U.S. can prove expensive, depending on which bank you use. Did you know that you don’t necessarily have to use your bank for this type of transaction? You can send money to another person overseas using an international money transfer app – and doing so may result in lower...
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Many insurance providers now offer apps for smartphones in a bid to make their services more user-friendly and convenient for customers. In this article, learn about some highly-rated providers of life cover, car insurance and healthcare that also offer insurance apps as part of their overall customer experience. Life insurance apps TIAA Life TIAA is...
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Do you have a bad credit score? You’re not alone. Millions of Americans have a “thin credit” – people with no or very limited credit data – or just a poor score. It doesn’t mean much about you except that you will have a difficult time borrowing money, which we all need from time to...
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If you have bad credit, refinancing your auto loan might seem nearly impossible. The good news is that although there are no guarantees, you do have options to pursue – there are some lenders out there who may be able to help you. This article explores how to refinance a car with bad credit and...
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Getting on to the housing ladder can be difficult, but it is also a challenge upgrading to a larger house when you have outgrown your current house. The sums of money involved in home loans are large and qualifying for a loan is not always easy. How to qualify for a house loan is a...
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Are unpaid bills causing you sleepless nights? It’s a worrying time when you’re flat broke, but if you’re willing to make a few sacrifices, your finances could improve. This article provides tips on how to pay off bills with no money and how to start changing your financial situation too. Prioritize your bills If you...
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Sometimes, there just isn’t enough money to go around. And if you don’t keep a close eye on your checking account, you may accidentally — or intentionally — overdraft and spend more money than you have available. For this reason, it’s important that you understand how to pay an overdraft. If you sign up for...
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If you want to learn how to overdraft your bank account on purpose, you got to the right article. The first step is to enroll in your bank’s overdraft protection service. Overdraft protection covers you if you spend more money than you have in your account. If you have, say, $40 in your account but...
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Debit cards are easy to use. In fact, some studies show that people spend 20% to 30% more when they use debit cards rather than paper checks. This can certainly create problems if you don’t keep track of your expenditures. If you’re asking yourself how to overdraft a debit card on purpose, this is the...
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If you wondered how to get overdraft fees waived, this is what you should do: call your bank. Making that call can turn out to be very rewarding as more than 50% of people who tried complaining to their bank after getting hit with a credit card or an overdraft fee found it to be...
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If you’re active-duty military, a veteran, a National Guardsmen or the spouse of an eligible service member, a VA loan can get your foot in the door and help you purchase or refinance a home. These loans are guaranteed by the Department of Veterans Affairs and offer flexible lending guidelines. Borrowers can purchase with no...
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You probably don’t have to be told the benefits of homeownership. You can build equity, enjoy a sense of accomplishment, and most importantly, you can stop wasting money on rent. But a mortgage is a big responsibility, and for this reason, mortgage lenders don’t approve everyone for financing. The good news, however, is that there...
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There’s no denying the fact that college tuition is expensive. The good news is that federal financial aid is available to students and their parents. So if you or your child has plans of attending college in the future, at some point you’ll probably fill out a FAFSA (Free Application for Federal Student Aid). This...
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Wondering “How to check my 401k balance online?” This article explains the steps you need to take to find out the details of your 401K, plus how to track down an old 401K that you lost or forgot about when you switched jobs. It’s a good idea to check your 401K balance at least once...
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Even though a conventional home loan is a popular mortgage product, you may not meet the down payment and credit score requirements for this loan. If so, an FHA home loan might be a better fit for you. This is a government loan insured by the Federal Housing Administration. FHA loans only require 3.5% down...
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The dream of owning a home is alive and well, but getting here is easier said than done. Even if you get a job and work hard to build a strong credit score, a down payment remains one of the biggest hurdles to homeownership as a first-time homebuyer. But you can overcome this hurdle. This...
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Before looking at the overdraft fees and limit of your bank, check out these apps PockBox Get it now PockBox is the perfect app to top up your checking account (with up to $2,500) and use the money to buy stuff online. The process is sleek and straightforward. You will just have to give some...
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How many personal loans can you have at once? If you’re strapped for cash, this question might be at the forefront of your mind. This article explores various options that may be of interest to you, as well as some points to consider to avoid getting into trouble with your finances. Can I take two...
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Small businesses can find it difficult to obtain loans. Commercial banks have strict lending criteria which can easily disqualify a small business. Thankfully the Small Business Administration offers help for enterprising small business owners. The agency has helped countless businesses obtain loans by providing a loan guarantee. However, SBA loans can take a long time...
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Even the most financially savvy people can find themselves overdrawn from time to time. Overdraft fees can soon add up so it’s a good idea to bring your account back into a positive balance as quickly as you can. But with that said, how long can your checking account be overdrawn before more severe consequences...
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Everybody makes a mistake now and then. That’s why overdraft protection can help us out. We may try to use our debit card or write a check when there is no money in the bank, and run into real trouble. With overdraft protection, we can cross the line and use money that is not yours....
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Do you sometimes find it tricky to pay your bills between paychecks? The Earnin app is designed to bridge the gap between paydays, helping you to make your finances more manageable if you’re in a tight spot with money. Any day can be your payday, as long as you’ve already earned money. So how does...
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How does an overdraft work?  Great question! An overdraft is like getting an automatic loan from the bank when your balance goes below zero. An overdraft allows you to make a payment or purchase even if you are out of money. Overdraft Fees Banks charge interest and fees on the money you borrow (the money...
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You may have already heard of Acorns as a way to put your spare change to good use by automatically depositing it into an investment account. The concept of Acorns is simple – to make investing accessible to anyone. So, how does Acorn app work exactly? Moreover, is it really possible to make money using...
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One of the easiest loans to qualify for is a home equity loan but there are not always easy to understand. So how does a home equity line of credit work? When you take out one of these loans, you are borrowing against the excess value of your home versus what you owe on it....
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Are you looking to make improvements to your house or pay off some of your high interest credit card or other debt? Well if you have been paying your mortgage payments for years or your home’s value has increased significantly, you may be eligible to take out a substantial size home equity loan. Here are...
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Looking for information on the Goldman Sachs money market account? Well, the first thing to note is that this bank doesn’t offer a money market account as such, but it does offer a high-yield online savings account and Certificates of Deposit that could help you grow your money. Goldman Sachs Marcus Marcus by Goldman Sachs...
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Marcus by Goldman Sachs offers a few different types of financial products, including high-yield savings accounts, Certificates of Deposits (CDs) and no-fee fixed-rate personal loans. The Goldman Sachs name is well established, but how does this bank fare in the eyes of its customers? In this article, check out some Goldman Sachs Marcus reviews to...
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In June 2018, GoChange announced that they are now only working with large corporations and not directly with customers. The GoChange app was an Artificial Financial Assistant, a personal CFO, created to optimize the $200B Personal Banking Market. If you were looking for a cash advance, you should now check out apps like GoChange. Although...
GoBank is part of Green Dot Corporation. It’s a self-service mobile checking account that offers a huge free ATM network and boasts no overdraft fees. You might be wondering how the GoBank overdraft works and whether it’s right for you. Read on to find out. How does GoBank work? There are no GoBank branches, as...
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Kids need a debit card of their own. Just like adults, kids like the modern ease of paying with a debit card. It’s easier for parents to hand allowances to kids via a debit card too, and there is less chance of cash going lost accidentally. There are a couple of debit cards for kids...
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With Go Bank offering a self-service mobile checking account, the functionality of its app is crucial to its success. In this article, find out more about the Go Bank app along with facts and reviews about the account itself and how you can make use of Go Bank if you’re an Uber driver. GoBank overview...
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In a crunch? Need to get paid early? You’re not alone. There are plenty of apps that can give you an advance on your paycheck, or a cash loan. Every app is a little bit different, but we’ve done the hard work for you. Keep reading if you’re looking to a get paid early app...
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Most brick and mortar banks today charge hefty fees and require a minimum deposit in order to qualify for a checking account. The great thing about online banks though, is that they are much easier to manage and as a result, many of them are completely fee-free. Free online checking account with no deposit is...
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Financial calculations like the repayments on a loan, the present value of money or the return on an investment are pretty tough to do using a basic handheld calculator. Yes, you could get a physical financial calculator but they’re not easy to use if you don’t know them. Instead, why not try a financial calculator...
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For millions of Americans serious investment advice has never been an option. Investment advisors have traditionally been too expensive for the average person which means many people invest in the wrong assets, or simply let money sit in low-interest savings accounts. But solid investment advice is crucial to meeting your investment goals. Today, you can...
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Earnin is designed to bridge the gap between paydays. Using this app, it’s possible to get an advance on your wages for hours you’ve already worked, which could be useful if money is tight now and then. In this article, read a summary of Earnin app reviews, plus check out some alternative apps that do...
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Will you have enough money to live on when you reach retirement age? It’s a tricky question, considering you don’t know how long you’ll live. So how it is possible to know how much to save right now to make sure you can live out your later years in comfort? A future value retirement calculator...
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Earnin app, formerly known as ActiveHours, helps you avoid overdraft fees by giving you early access to your paychecks directly from your smartphone (iOS or Android).  Large corporates like Walmart and Home Depot leverage the app to help their employees manage their personal finances.Earnin doesn’t charge you any fees, but it does encourage you to...
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Are you a Dasher? Typically, you’ll be paid weekly if you’re a driver for DoorDash, but if you sign up for DoorDash Daily Pay, you can have access to your earnings as soon as you earn them. The partnership between DoorDash and DailyPay is intended to reduce financial stress and help you budget, by sending...
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Discover provides a range of credit cards that offer rewards such as cash back or travel points. The Discover it® Cash Back card appears to be their flagship product with more than 272K reviews on their website. If you’re thinking of applying, read this article first to find out what you need to know about...
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Are you a college student looking to start building your credit history? The Discover card for college students is designed to help you do just that while earning cash back on purchases. Find out more in this article below. Discover student credit cards review There are two types of Discover student credit cards available; Discover...
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Digit helps you save money automatically by scanning your checking account and putting small amounts of money into a “Rainy Day” account.You will receive 1% annual interest (paid out every 3 months) on all the money in your new account. Digit costs $3/ month. While Digit doesn’t tackle overdraft issues directly, it helps you save...
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Need cash quickly, even though you have insufficient funds in your checking account? If you have overdraft protection, you may be able to withdraw funds from an ATM, subject to your debit card overdraft limit. In this article, find out more about using your debit card when you have no money and also how overdraft...
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It’s unfair to expect kids to pay with cash when adults are giving up the habit. But children can’t open bank accounts, never mind open credit card accounts. So, what’s the best way to get your child a payment card? Read on to learn the best options to get a debit card for 12 year...
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Trading stocks on an intra-day basis require focus and a sharp acumen for investment. You also need software that never gets in your way plus affordable transaction fees. A good day trading app will help you get more out of your day trading activities. We’ve looked at the most popular day trading apps: keep reading...
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Dave app is one of the leaders in innovative overdraft prevention solutions. To get started simply connect your bank account and upload your pay stubs to the app; once it’s done, expect to be approved within two days. After approval, the app will warn you before you overdraft and offer you up to a $75...
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If you want to keep track of where your money is going, a budgeting app could be the perfect solution for you. In this article, find out more about the Daily Budget app and what makes it different from other budgeting apps such as Mint and Personal Capital. Daily Budget app review The Daily Budget...
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A credit card debt consolidation calculator can help you see how much you can save by combining your debts into one loan. Find out where you can access one in this article, and also learn more about debt consolidation in general. Debt consolidation definition Debt consolidation is where you combine multiple debts into just one....
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Looking for a child bank account with debit card? Allowing your child or teen to manage their own money is an excellent way to give them some financial independence, and get them to learn vital budgeting skills at the same time. In this article, we’ll cover some of the best child bank accounts around currently....
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Paperless banking is nearly here, but many of us still receive printed checks that need processing. If you’re using electronic banking every day a physical check can at first glance appear inconvenient. But cashing a check really needn’t be a hassle. In fact, you can cash a check using your phone alone. In this article...
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Financial planning can be intimidating. Fortunately, you don’t have to be an expert to take your money to the next level, especially when the firms Charles Schwab and TD Ameritrade can provide the guidance and resources you need. Both companies have their own set of strengths and weaknesses, so it might be difficult to decide...
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Parents don’t really want their kids carrying around a lot of cash. It’s much better to give your child a debit card so that they can make payments and withdraw cash. But what’s the cheapest and safest way to get a card for young children? We’ve done the research to find the best cash card...
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Fed up of forking out fees for money transfers? One way to send and receive funds fee-free is to use Cash App instead. With more than 10 million installs so far, Cash App appears to be a decent alternative to PayPal. So how does it work and what’s more, is it safe to use? Find...
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From the providers of the free Square card reader and payment system comes Cash, an easy way to send money between friends. What is the Square Cash app about and what can you do with Square Cash? What is the most you can receive, send and spend using a Square Cash account? Keep reading to...
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Square’s Cash App is a popular way to send money to a friend or family member. Its popularity stems from its simplicity, it is really easy to send money to another Cash user. But how do you spend the funds in your Cash App? One option is to withdraw funds to your bank account. Alternatively,...
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Looking for a great way to kick-start your savings account? There’s an easy way to get a $25 or $100 bonus when you sign up with Capital One. The bank offers several saving options with varying bonuses that can boost your savings. Read on to discover everything you need to know about the Capital One...
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Can you overdraft a savings account? In short, the answer is “yes.” Any time you spend more than you have in the bank, your account will be in overdraft. While the best way to avoid overdrafts is to spend less than you make, that doesn’t account for mistakes in math or in miscommunication with other...
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We’ve all been there – asking our banker, “ Can you overdraft a negative account ?” The answer is yes but it’s more tricky than you may think. Any time you spend (or trying to spend) more money than you have, it’s going to cost you in either fees or penalties. You could take steps...
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If you are short in cash for the next few days and you were just wondering “damn, can you overdraft a debit card? – well, this article explains it all. If you are looking for extra money, overdrafting your debit card is definitely a possibility. But before doing it, there are few important things you...
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The short answer is, yes. Banking today has been easier than ever, a process that involves tapping a few keys and voila! You’ve got a checking account. There are many banks that allow you to open a checking account online, a process that can come in handy if you have no time or if you...
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Sometimes getting through the month is tough. You are already struggling to pay your bills and your bank account is overdrawn. Needing cash, you’re left asking: can I withdraw money if my account is already overdrawn? Let’s take a look. Can you withdraw from a negative account For many people the answer will be yes,...
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Online shopping offers unrivaled convenience – you can buy electronics, clothes, groceries, or practically anything from your phone or computer and have it delivered to your door as fast as the same day! However, if you don’t have a credit or debit card, it can be tough to access the variety and savings that online...
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We all need a loan at some point in time. Whether it is for a planned expense, an unexpected indulgence or an emergency, consider a loan via a borrow money app. Apps that loan you money are great for bridging cash flow gaps. Loans can also help to finance the purchase of a large, expensive...
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What is a bond amortization calculator, and how does it work? We’ll use this article to teach you all about amortization and to explain why you need to get familiar with a bond amortization calculator if you are thinking about taking out a home loan. The principal of amortization Amortization is a big-sounding word but...
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Robo-advisors are becoming increasingly popular as a simple and relatively low-cost way to manage investments. Betterment is one of the leading robo-advisors in the industry, but you might be wondering what makes it different from other platforms. Find out more in this Betterment app review below. Betterment app review Betterment is an online, automated investment...
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Travel credit cards can be very rewarding. A travel card can lead to big savings when you pay in a foreign currency, earn you points or miles for your everyday transactions and get you exclusive travel perks. Many travel cards charge an annual fee, but there are plenty of cards charging no annual fees while...
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Competent stock market investors can see big payoffs, but beginners often struggle to make a profit. What can first-time stock traders do to stand a chance of trading success? Education is a necessity but access to the right tools can make all the difference too. That’s why we compiled this article to help you find...
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If you’re anything like us, you’ll be using your phone for a multitude of daily tasks including banking. It just follows that your phone is an excellent way to invest and keep track of investments too. When looking for the best stock app Android users should simply read this article to see which apps are...
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Even helps you manage your finances, and can also serve as an overdraft app. Like Earnin (formely known as Activehours), Even has to work with your employer in order for you to be able to receive advances on your paycheck. Even also provides a user friendly  place to keep track of all your finances. They...
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Many people now prefer to access and manage their bank account on-the-go via their smartphone, rather than using a browser-based application. There are several contenders for the best online banking app. Below you’ll find four of the most highly rated mobile banking apps currently available on Google Play and the App Store. Chase Mobile® app...
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Micro investing is a great way for beginner investors to get started. By putting aside small amounts of money on a regular basis, it’s possible to build up a nest egg without really noticing. An automated investment app can help you do this. To find out which might be the best micro investing app for...
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Need to borrow money but not sure which app to use? Read our article covering today’s top loan apps including apps for bad credit. We have taken a close look at just about every app on the market to help you find the best loan app. Best personal loan lenders PockBox app With the PockBox.com...
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Teens deserve a bit more financial independence compared to younger kids. Plus, just like adults, teens are switching away from cash payments and prefer paying with a card. Debit cards are a safe and easy to control alternative to cash. But which is the best debit card for teens? Read on to find out. Debit...
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If you only need a short period of time to clear your credit card balance you should look out for the best credit cards with 0 balance transfer fees. Cards with 0% fees on balance transfers will typically offer shorter periods of 0% APR on the balance you transfer. Assuming you can pay off your...
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A children’s credit card can be a useful introduction to the world of borrowing. This article explains how you can get one for a young person under the age of 18 to help them manage money responsibly before they go it alone as an adult. Additionally, you’ll find some pointers on some of the best...
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Few of us still go to a bricks-and-mortar bank branch to take care of basic banking needs. Almost every bank now offers online banking on the web, and most also have a serviceable mobile app. But not all mobile apps are equal. If you use your phone for most of your internet needs you should...
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Setting your teenager up with their own checking account is an excellent way to kick off their financial education. Many teen accounts offer regular banking features such as the ability to transfer money and deposit checks, as well as smart financial tools to help with budgeting and goal-setting. In this article, learn about some of...
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Banks with the best overdraft protection are hard to find! Most of the banks charge outrageous fees when it comes to overdraft. Luckily for you, a few banks have fair and friendly overdraft protection services. In this article, you will find the best banks overdraft-wise. First, let’s start with the basics. What are overdraft fees...
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If you want to open a checking account with a well-known bank, you should expect to pay a lot of different fees, especially when you’re low on cash. There is usually a fee for having a low balance, for overdrafts, ATM withdrawals, and more. What many people don’t know is that there are quite a...
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Most people wouldn’t dare write a check or initiate an ATM withdrawal when they don’t have enough cash in their account to cover the amount. But sometimes, bills and expenses don’t wait until payday. And when you need immediate cash, you need to find banks that let you overdraft right away — usually for a...
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Overdraft fees are annoying at the best of times but extended overdraft fees? Well, they can seem a tad unfair when you’re already strapped for cash. If you have questions about the Bank of America extended overdraft fee or want to know about their overdraft settings in general, this article explains more. Bank of America...
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Financial institutions that offer bank accounts for people with bad credit with overdrafts are becoming more and more prevalent. Until quite recently, it was not unusual for a person to find out that banks will not allow him to open a checking account, but things have changed! Opening a checking account can still be a...
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Need money, need it fast, and have poor credit? You’re not alone. For many people going the traditional borrowing route, via a bank, is just not an option. For whatever reason you may need a combination of bad credit personal loans, guaranteed approval & direct lenders. You’re in luck because there a lot of borrowers...
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If your credit score is not in great shape you should consider applying for a personal loan from Avant. You can borrow as much as $35,000 and at a relatively low starting APR of 9.95%. You can get your cash as soon as the next day and the income requirements are reasonable too. Read on...
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Saving is difficult. If you’re already struggling to make ends meet it can be almost impossible to set aside some money for savings. This is where an automatic savings app can be a game changer. In other words, apps that can automatically save a little bit of money whenever you can afford it. Automatic savings...
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Navigating your way through making a car insurance claim is now easier than ever before, thanks to the rise of auto insurance apps. Many auto insurance companies now have mobile apps that offer a range of benefits to customers. Not only is all your documentation now at your fingertips so that you can make a...
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If you wondered, overdrafting can simply be described as wanting to take more money out of your bank account than you have in it. Think of it as a small short term loan. ATMs that let you overdraft will allow you to withdraw cash even though you don’t have enough balance on your account. Most...
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If you currently use Stash to help you invest, you might be wondering whether any alternatives would serve you better. In this article, check out other apps like Stash to see how they compare. Acorns app Acorns is very similar to Stash in that you can get started investing with very little money. Acorns links...
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This article reviews apps like MoneyLion, and especially MoneyLion Plus, launched in early 2018. After reviewing MoneyLion Plus and going over MoneyLion reviews, we thought that we should suggest similar alternatives to their service. While we do like their app a lot, we know that many people want to check out the competition. PockBox app...
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Mint is a handy app for helping you budget, manage your bills and track your finances all in one place, especially since it’s free to use. But are there any other apps that do a similar or better job? In this article, explore four other apps like Mint to see if they’re more suited to...
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Ingo Money allows you to cash checks in minutes, anytime and anywhere. That means no more waiting for your bank to post a check deposit to your account. However, Ingo Money comes with fees attached, so are there any alternatives worth considering? Find out more about apps like Ingo in this article. How does Ingo...
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Are you looking for apps like GoChange to avoid your next overdraft? You might want to switch your overdraft protection solution because in June 2018, GoChange announced that they are not interested to directly market to customers. These are the apps you should use instead: MoneyLion App If you are here because you like GoChange’s...
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Are you looking for more apps like Earnin to help you avoid overdraft fees or just get a cash advance? We made this list of overdraft apps that can let you make an early paycheck request and get paid or receive cash before your next paycheck. You might have used or wanted to use Earnin...
PockBox App This app is perfect if you’re looking for a cash advance of $100 to $2,500 by tomorrow. The approval process doesn’t require to connect to your bank account (which most of overdraft apps do). PockBox will just ask you a bunch of questions that will probably take you about 5 minutes to answer....
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Our phones have completely changed the way we manage our finances. Whether it’s paying a bill, transferring funds or checking out credit scores, you can do it all using a smartphone. Smartphone apps can be great at solving problems too, like how to save regularly. Acorns is one of the apps that help solve the...
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If you’re looking to buy a house, you don’t have to make an appointment with a loan officer to fill out a mortgage application. Many mortgage lenders have secure websites for borrowers to apply for a mortgage loan online. This serves to your benefit because you’re not limited to mortgage lenders in your area. There’s...
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An online checking account will allow you to conveniently manage your money at any time of day or night, without the hassle of traipsing along to a brick-and-mortar branch. What’s more, it’s incredibly quick and easy to apply for a checking account online; it should involve no more than 15 minutes of your time. This...
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In this Ally checking account review, find out what real customers think about Ally Bank and whether it’s worth switching to Ally from your existing bank. Also learn more about other Ally products such as its savings account and CDs too. Ally checking account review Main features of the Ally’s Interest Checking Account Ally is...
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Ally is an incredibly popular bank with excellent offerings across the range of banking services. Operating online-only, Ally can offer terrific value by cutting out many of the costs associated with retail banking. It is no wonder that cost-conscious businesses want to turn to Ally for business banking products. But is an Ally business savings...
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If you’ve arrived at this article looking for information about Ally Bank personal loans, you’ve come to the right place. Below you’ll find out what loans are available at Ally Bank, along with reviews about Ally from existing customers. What loans are available at Ally Bank? Ally doesn’t offer personal loans, but it does offer...
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Whether you’re financing a new home purchase or refinancing an existing mortgage, Ally Bank home loans can make ownership more affordable by helping you secure the lowest mortgage rate. Mortgage rates can vary considerably from bank to bank. Often times, rates offered by brick-and-mortar banks aren’t as favorable as those offered by online-only banks like...
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If you’re looking for vehicle financing, you might be interested in an auto loan from Ally Bank. They’re one of the biggest auto lenders in the U.S., but are they any good? This article includes some must-know facts about their auto loans as well as Ally auto finance reviews from customers. Ally Bank auto financing...
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Lots of people want to save a little bit of money every month, but few people end up actually doing so. It is so easy to spend every dollar of pay, with nothing left at the end of the month. But what if there was an easy way to save, every month, without breaking the...
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To live comfortably in their later years, many people don’t count on Social Security to provide the income they need in retirement. This is why many contribute to an employer-sponsored 401(k) plan or a self-funded individual retirement account (IRA). But while these are two widely popular options, there’s another way to receive income in retirement....
If you’re here, you probably spent some time pondering why it makes sense to pay money for not having enough money. Well, in the world of consumer banking this is just how things work. Luckily, there are quite a few banks with no overdraft fees that asked themselves the same question and created a new...
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There’s no way to predict the cost-of-living in 20, 30 or 40 years. Even so, a 401k calculator with inflation is an excellent tool for forecasting your future income needs. Once you have an idea of your income needs, you can take steps to ensure you’re putting enough into your retirement account. There’s no way...
Knowing exactly how much to contribute to an employer-sponsored 401(k) plan can be tricky. Some people fear saving too little. And even when others feel that they’ve saved enough, the future can prove otherwise. It’s estimated that you will need about 85% of your pre-retirement income in retirement. To help estimate whether you’re on the...
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If you’ve arrived here after searching for “bank with highest overdraft limit”, being able to overdraft at your bank is probably important to you. Overdraft policies and limits vary from bank to bank and also depend on personal factors such as your credit history, whether you’re a new customer or if you’re an existing customer,...
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Struggling with overdraft fees? How much do they cost?  What’s the number of fees your bank could make you incur in one day? You will find here a list of America’s top banks with all the answers you need. Overdraft fee definition An overdraft is like getting an automatic loan from the bank when your...