Banks offer a valuable service that everyone should be using to help manage their finances, however banks also try to force their customers to pay fees for a variety of reasons and paying fees is no fun! Because of this, Fix Your Credit Consulting wants to offer some tips that can help you avoid paying fees to your bank.
Checking & Savings Account Fees
Some banks charge a monthly fee for just having a checking or savings account with them, justified via some oddly specific policy. One common version of this is a maintenance fee that is applied whenever your account goes a whole month without a deposit, which can easily be avoided by setting up an automatic monthly transference between a checking and a savings account. But every bank is different, so be sure to ask a representative of your bank how you can avoid the standard checking or savings account fees that they implement.
Overdraft Fee
An overdraft fee is when you are spending money from your bank account in a sum that is more than you actually have available. For example, if you have $100 in your bank and write a check for $200, then you will have gone over the amount you actually have available and will incur an overdraft fee. The easiest way to avoid this is by keeping track of your expenses and available funds and not over spending!
ATM Fees
Most banks will charge a fee if you try to withdraw money from an ATM that is not affiliated with them (i.e. withdrawing from a Wells Fargo ATM if you do your banking with Chase). The simple way to avoid this is to just use ATMs that are owned by your bank, but this is easier said than done. Another option is putting as much of your spending on your credit or debit card as possible. If you have to withdraw from an ATM that will force you to pay a fee, be sure to withdraw a large sum at once to make it worth your while.
You can call Fix Your Credit Consulting at 877-212-2450 if you have any questions regarding your credit.
The true sign of a business is one that could take your money, but instead tells you the truth that they can't help. I spoke with Sandra on behalf of a friend that had some credit issues and she determined that based on his report, she couldn't help him at this time. This company is wonderful and I would recommend to all friends and family having credit issues.
Thanks again Sandra for your honesty.
I've known Sandra for at least 10 years. She is a phenomenal person to work with and a super hard worker that cares about people. Do not hesitate to work with her and her amazing team. Jeff is wonderful as well!!
Thank you, team Fix Your Credit Consulting you are amazing*****
Sandra is the best she is patient kind knowledgeable and undertaking and provides a judgement free zone no matter how many times you find yourself calling her because life kicked your butt again .
Jeff is also great and super helpful and always is super on top of everything he does and every phone call . I owe them for helping get my life back
When thinking about what I was grateful for over the past year one interesting thing came up as a standout.
Perhaps credit services are not the typical thing to be thankful for at this time of year, and perhaps not for all standard reasons you might expect to hear in a gratitude tribute, but it goes like this...
Sandra is not just experienced and knowledgeable, but also calming in her manner. She was not judgmental and through mutual sharing made me realize things can happen to anyone and not to feel ashamed for inquiring about the subject of credit and all of the 'fun' things that can go along with it etc.
One of the most important things I am grateful for is how she was able to lower my stress level by not only being kind, but also by being respectful and truly understanding.
I am so glad I reached out to get a fresh perspective and get my queries answered on the way to fixing any related issues that need fixing.
Thank you so much again.
