Commercial Bank and Checking Accounts

how old must a customer be to open a checking account in north carolina

Minimum balance fee: The money in a checking account falls below a certain level.
ATM fee: The customer withdraws money from a bank machine at another bank.
Teller fee: The customer goes into a bank and gets personal service.
n.s.f. fee: A check is written for a larger amount than the checking account contains.

After declaring bankruptcy it is smart to wait six months before obtaining a new account. If a trustee finds that you have XXXX amount of dollars in bank B after closing an account at bank A it will look as if you tried to defraud the bankruptcy law. For chapter 7 wait until discharge for chapter 13 as long as you are making timely payments it doesn't matter.

All banks have facilities where kids can open bank accounts. However, they will require an adult to be a joint holder or guardian for the account until the kid turns 18. The kid can visit the bank branch themselves to deposit any cash they want (you can even deposit $5 or $10 into a kids savings account). Actually banks these days are encouraging kids to have their own bank account in order to educate them about money and how to save for a better future.

Walk into any bank branch with the following documents.

1. Address proof

2. Identity proof

3. Photograph

4. Somebody who already has an account with the bank and can introduce you as a customer

If you have these documents you can easily open an account with any bank.

A checking account has nothing to do with a bankruptcy unless the bank you are going to deal with does a credit check on you and uses this information to Approve/Disapprove you based on that info. If you are turned down by a bank try another, some bank in your area will give you a Checking Account I'm sure.

Good luck getting a checking account. I filed chapter 7 and was discharged over a year ago and NO ONE in the area will give me a checking account. I have to get my paycheck cashed to pay bills.

The above person can't get a checking account probably because when they filed for bankruptcy, they included some current bank account they had. When you do this, the bank will place an inquiry on Check Systems and that is what banks used to determine if they will grant you a bank account at their branch.

I understand your problem entirely. Refer to the above comment about ChexSystems. Keep in mind that not all banks use ChexSystems, there are still 20% of banks that use some other system or no verification system. If you have been legitimately reported to ChexSystems for owing a bank money, there is no way to remove it unless you can get the bank that added the report to request the removal. You can however, get a note placed on the account if you have paid the debt in full - this will not ensure that you can open a checking account, but it does improve your chances with a bank that has the option of overriding a ChexSystems report. Easiest way out, check with your local credit unions and smaller banks. Odds are one of them either doesn't use ChexSystems or they will open an account even with negatives on that system.

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I just came out of Chapter 7 and could not open an account as long as you included the bank in your bankruptcy and have your discharge papers along with the line item showing they were included into the bankruptcy you can open another account. Just order a chexsystem report then dispute the item as paid and request it to be updated/removed you then will be able to open another account within 30 days. If they dont show a 0 balance you can sue them under the bankruptcy law. but you wont have a problem as i was able to open account 15 days after my dispute.

a checking account holds your money and allows you to access it very easily at any time you would like.Money in a savings account is harder to access on demand, but the bank will pay you a small percentage of the total for keeping your money in that account.

ICICI is the first bank to provide mobile ATM

An online bank has lower operating costs than a retail bank.

The routing number for a bank is important. It allows companies to complete direct deposits and allows for other banking work to happen. The routing number for TD bank in New Jersey is 031201360.

Capital One has different checking account services, including one that you and your child can manage together. They also have a fee free account, Capital One 360• Checking. You can sign up for an account on their website as well as locate a local branch in your are where you can sign up for an account.

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Minos can very well open a joint account. So there cannot be any reason why minors cannot open a joint account.

If you want to open an individual account then you must be atleast 18 years old. But, if you are a minor (less than 18 yrs.) you can always open a joint account with any of your adult family members like mother, father, elder brother etc. banks do not say no to any customer who wishes to open a bank account

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If you want to check your balance, you usually need to use an ATM that is associated with your bank.

Online bank accounts make life easier for both residential and commercial purposes. You have access to your account information 24/7 and you also can do it in the comfort of home or your office.

Corporate Banking means Financing to coporate institutions which has been declared as Corporate entity. Corporate entity means if more than one company falls in the same line of business, financing terms will be same to all the corporate insitution as whole. Enterprise banking means each individual business units will be covered separate, according to the specific requirements for financing. Though more than one company falls in the same group, the financing terms will differ according to each enterprise demands and needs.

The easiest way to compare checking accounts is by going to a website called findabetterbank, which compares all the closest local banks near your ZIP code.

Your business needs to be registered in a state and you need to use your registration documents to open a business checking account. Banks do not cash checks made payable to a business because they have no way of knowing if you really have the authority to be cashing the check, ie if you own the business.

If you are the one seeking to file a lawsuit, you need to check with your local courthouse (or the courthouse of where the transaction/claim) took place. Civil lawsuits can cost as little as $75 to file but fees vary. Federal lawsuits can cost more. You have to take into consideration that you will have to have the person served (could be a couple of hundred dollars).

A Recurring Deposit account is one in which the customer deposits a small sum of money (usually a few hundred or thousands) every month. The bank accepts a deposit every month and at the end of the deposit period (usually 12 months or higher) the bank would return the money deposited with them along with a good interest.

You can open a RD account by visiting any bank and filling up the form that is used for opening an RD and pay the first months money to the bank teller.