ARMY – Financial Institutions: Understanding Lending Fees
Available Formats
eGuide
eGuide
- ntroduction
- CARD Act of 2009
- Prohibits certain rate increases
- Prohibits certain fees
- Plain sight/plain language disclosure
- Accountability
- Protection for young people
- No more universal default
- No late fees on the weekend
- Banks & Credit Unions
- The difference between banks and credit unions
- Checking & Savings
- Monthly maintenance fees or service charges
- Teller fees
- Deposit holds
- Bounced checks/NSF fees
- Overdraft protection
- Fee Schedule
- Monthly maintenance fee
- ATM fee
- ATM/debit card replacement fee
- Debit card fees
- Early withdrawal fee
- Insufficient or nonsufficient funds
- Overdraft fee
- Teller fee
- Tips to keep fees down
- Debit Card
- Federal protections for debit card users
- Prevent debit card fraud
- Debit card costs
- Online & Mobile Banking
- Credit Cards: Interest & Fees
- How interest is determined
- How interest rates increase
- Annual fees
- Service fees
- Inactivity fees
- Over-the-limit fees
- Determining credit limit
- Cash advance surcharges
- Credit Cards: Payment Timing
- Can a bank/credit union delay posting a credit card payment?
- When is a payment considered late?
- What happens when you make a late payment?
- Best practice
- How to get the lowest rate
- How to avoid interest rate increases
- Understanding no-fee credit cards
- Avoiding service fees for paying credit card debt
- Avoiding going over your limit
- Setting up credit card and banking alerts
- Timing your credit card payment
- Avoiding surcharges
- Credit Cards: Rules
- What your credit card company has to tell you
- New rules: rates, fees and limits
- Changes to billing and payments
- Reasonable penalty fees
- Additional fee protections
- Explanation of rate increase
- Reevaluation of recent rate increases
- Gift Cards
- New rules for gift cards
- Resources
- Screens: 150
- Platform: iOS and Android
- Product Code: 02-0229-021-01
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