yes at the bank itself or it's many ATM machines
To the credit union
Money market funds are available at all or almost all banks and credit unions. They are generally insured up to $250,000 against bank/credit union failure.
yes
If you make a $40.00 deposit towards a $150.00 credit line, the line will still be $150.00. The deposit, however, is kept to secure your line stays current. For example: if you go over your credit line via purchases and charges, the $40.00 deposit will be used to cover any related costs or expenses.
Apply for a secured credit card. Unlike traditional credit cards, which are unsecured debt instruments; a secured card uses a deposit made by the consumer (usually 75%-100% of the line of credit) as collateral against any purchases made on the card. So, in order to get a card like this, a consumer has to make a deposit equal to the amount (or almost equal) of the credit line. Lenders are much more apt to open this much-less-risky type of credit card to someone with no credit history. Once a consumer establishes a satisfactory payment history with a secured card, the deposit can be unsecured. Secured credit cards are an easy and excellent way for consumers to establish or re-establish credit. Try your local banking institution or credit union. Bankrate.com also has excellent information about lenders which offer this type of card.
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A great option to rebuild credit after bankrutpcy is getting a secured credit card. Secured credit cards can be used just like regular credit cards, the key difference is that they require an up front deposit to secure the credit limit. For example if you want a $500 credit limit, you will need to make a $500 deposit. For most secured cards there is no credit or bankruptcy check. You will receive a card as long as the issuer can verify your identity, residence and deposit. You will build positive credit as long as you make your monthly payments on time and keep your balance below your credit limit. Once you build positive credit histoty, you can then qualify for unsecured credit cards. You can close your secured credit card account at any time and receive a full refund of your original deposit amount (minus anything you owe). For more information secured credit cards check out http://www.yourcreditcardgps.com/best-secured-credit-cards.html
Credit unions do have distinct advantages over banks for their customers as they are not responsible to corporations or shareholders. Consumer's Credit Union recently achieved a 97% satisfaction rate from their customers on a recent survey. They strive to make the banking experience exceptional for their customers.
The best way to apply for a Union Plus credit card is by going to a bank that has Union Plus credit card and applying for one. Make sure you meet the requirements for getting the credit card. You can find more information at the bank.
See this link from Social Security's Frequently Asked Questions (FAQ) page: http://www.ssa.gov/deposit/DDFAQ898.htmHere is the relevant portion:After I sign up for direct deposit, do I have to stay with the same bank? No, you can use direct deposit at any federally insured bank, savings and loan or credit union. If you move your account, call Social Security's toll-free number, 1-800-772-1213 (TTY 1-800-325-0778), and a Social Security representative will change your direct deposit information. Open the new account and make sure your deposits are going to the new bank, savings and loan or credit union before you close the old account.
If you think you can get the Gesa Credit Union card, then you may go for it or get one from a larger bank if possible. To build your credit, make sure you are prompt on your payments. As you use credit card, and pay it back, your credit history will build.
I would use Google to search, or contact your local bank. Make sure that you have a deposit of at least $200 if you plan on getting approved. If you have the $200 deposit, you will most likely be approved 99% of the time.