About 'accounting based costing'|...Costs of Goods Sold for a private business. Second, the accounting gimmick of "Cost of Teaching and Learning" makes no distinction between...
Ａ ｂａｎｋ ａｃｃｏｕｎｔ ｉｓ ａ ｓａｆｅ, ｅｆｆｉｃｉｅｎｔ, ａｎｄ ｃｏｎｖｅｎｉｅｎｔ ｗａｙ ｔｏ ｈａｎｄｌｅ ｙｏｕｒ ｍｏｎｅｙ. Ｂｕｔ ｔｈｅｒｅ ａｒｅ ｖａｒｉｏｕｓ ｔｙｐｅｓ ｏｆ ｃｈａｒｇｅｓ ａｓｓｏｃｉａｔｅｄ ｗｉｔｈ ｓｏｍｅ ａｃｃｏｕｎｔｓ. Ｗｈｅｎ ｙｏｕ ｕｎｄｅｒｓｔａｎｄ ｔｈｅ ｃｈａｒｇｅｓ ａｎｄ ｗｈａｔ ｃａｕｓｅｓ ｔｈｅｍ, ｙｏｕ ｃａｎ ｄｅｔｅｒｍｉｎｅ ｈｏｗ ｔｏ ａｖｏｉｄ ｏｒ ｃｏｎｔｒｏｌ ｔｈｅ ｃｈａｒｇｅｓ ａｎｄ ｔｈｅｒｅｂｙ ｓａｖｅ ａ ｃｏｎｓｉｄｅｒａｂｌｅ ａｍｏｕｎｔ ｏｆ ｍｏｎｅｙ ｏｖｅｒ ｔｉｍｅ. Ｅｖａｌｕａｔｅ Ｙｏｕｒ Ｏｐｔｉｏｎｓ Ｂｅｆｏｒｅ Ｏｐｅｎｉｎｇ ａｎ Ａｃｃｏｕｎｔ Ｂａｎｋｓ ｇｅｎｅｒａｌｌｙ ｏｆｆｅｒ ｄｉｆｆｅｒｅｎｔ ｔｙｐｅｓ ｏｆ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ, ｓｏｍｅ ｏｆ ｗｈｉｃｈ ａｒｅ ａｄａｐｔｅｄ ｔｏ ａｃｃｏｍｍｏｄａｔｅ ｔｈｅ ｎｅｅｄｓ ｏｆ ｄｉｆｆｅｒｅｎｔ ｇｒｏｕｐｓ ｏｆ ｃｕｓｔｏｍｅｒｓ. Ｓｏ ｔｈｅ ｆｉｒｓｔ ｓｔｅｐ ｉｎ ｃｏｎｔｒｏｌｌｉｎｇ ｂａｎｋ ｃｈａｒｇｅｓ ｉｓ ｔｏ ｅｖａｌｕａｔｅ ｙｏｕｒ ｏｗｎ ｓｉｔｕａｔｉｏｎ. Ｙｏｕ ｓｈｏｕｌｄ ｔｈｉｎｋ ａｂｏｕｔ ｗｈａｔ ｙｏｕ ｎｅｅｄ ｆｒｏｍ ｙｏｕｒ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ, ｉｎｖｅｓｔｉｇａｔｅ ａｎｄ ｃｏｍｐａｒｅ ｔｈｅ ｄｉｆｆｅｒｅｎｔ ｔｙｐｅｓ ｏｆ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ ｏｆｆｅｒｅｄ, ａｎｄ ｃｈｏｏｓｅ ｔｈｅ ｏｐｔｉｏｎ ｔｈａｔ ｉｓ ｍｏｓｔ ａｄｖａｎｔａｇｅｏｕｓ ｆｏｒ ｙｏｕ. Ｂｙ ｓｅｌｅｃｔｉｎｇ ｔｈｅ ｒｉｇｈｔ ａｃｃｏｕｎｔ, ｙｏｕ ｃａｎ ａｖｏｉｄ ｓｏｍｅ ｏｆ ｔｈｅ ｃｈａｒｇｅｓ. Ｍａｎｙ ｂａｎｋｓ ｏｆｆｅｒ ｆｒｅｅ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ; ｔｈａｔ ｉｓ, ａｃｃｏｕｎｔｓ ｗｉｔｈ ｎｏ ｍａｉｎｔｅｎａｎｃｅ ｆｅｅ ａｎｄ ｎｏ ｍｉｎｉｍｕｍ ｂａｌａｎｃｅ ｒｅｑｕｉｒｅｍｅｎｔ. Ｓｏｍｅ ｂａｎｋｓ ｍａｙ ｏｆｆｅｒ ｆｒｅｅ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ ｆｏｒ ｃｅｒｔａｉｎ ｇｒｏｕｐｓ ｏｆ ｃｕｓｔｏｍｅｒｓ, ｓｕｃｈ ａｓ ｓｔｕｄｅｎｔｓ ｏｒ ｐｅｏｐｌｅ 50 ｏｒ 55 ｙｅａｒｓ ｏｆ ａｇｅ ｏｒ ｏｌｄｅｒ. Ｉｎ ｓｏｍｅ ｃａｓｅｓ ｔｈｅ ｂａｎｋ ｍａｙ ｏｆｆｅｒ ａ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｗｉｔｈｏｕｔ ｃｈａｒｇｅｓ ａｓ ｌｏｎｇ ａｓ ｔｈｅ ｃｕｓｔｏｍｅｒ ｈａｓ ｏｔｈｅｒ ｐｒｏｄｕｃｔｓ ｗｉｔｈ ｔｈｅ ｂａｎｋ, ｓｕｃｈ ａｓ ａ ｃｒｅｄｉｔ ｃａｒｄ, ｓａｖｉｎｇｓ ａｃｃｏｕｎｔ, ｃｅｒｔｉｆｉｃａｔｅ ｏｆ ｄｅｐｏｓｉｔ, ｍｏｒｔｇａｇｅ ｌｏａｎ, ｏｒ ｏｔｈｅｒ ｔｙｐｅ ｏｆ ｌｏａｎ. Ｙｏｕ ｃａｎ ｌｏｏｋ ｆｏｒ ｉｎｆｏｒｍａｔｉｏｎ ｏｎ ｔｈｅ ｂａｎｋｓ' ｗｅｂｓｉｔｅｓ, ｗｈｅｒｅ ｔｈｅｙ ｓｈｏｗ ａ ｃｏｍｐａｒｉｓｏｎ ｏｆ ｔｈｅ ｄｉｆｆｅｒｅｎｔ ｔｙｐｅｓ ｏｆ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ, ｔｈｅ ｒｅｑｕｉｒｅｍｅｎｔｓ ｆｏｒ ｏｐｅｎｉｎｇ ｔｈｅｍ, ａｎｄ ｔｈｅ ｃｈａｒｇｅｓ ａｓｓｏｃｉａｔｅｄ ｗｉｔｈ ｅａｃｈ ｔｙｐｅ ｏｆ ａｃｃｏｕｎｔ. Ｙｏｕ ｃａｎ ａｌｓｏ ｖｉｓｉｔ ｔｈｅ ｂａｎｋ ａｎｄ ｔａｌｋ ｔｏ ａｎ ａｃｃｏｕｎｔ ｅｘｅｃｕｔｉｖｅ ｔｏ ｉｎｑｕｉｒｅ ａｂｏｕｔ ｔｈｅ ｐｏｓｓｉｂｉｌｉｔｉｅｓ ａｖａｉｌａｂｌｅ ａｎｄ ａｓｋ ｆｏｒ ｇｕｉｄａｎｃｅ. Ｔｙｐｅｓ ｏｆ Ｃｈａｒｇｅｓ Ｓｏｍｅ ｏｆ ｔｈｅ ｍｏｓｔ ｃｏｍｍｏｎ ｃｈａｒｇｅｓ ｔｏ ａ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ａｒｅ ｔｈｅ ｍｏｎｔｈｌｙ ｓｅｒｖｉｃｅ ｃｈａｒｇｅ, ｔｈｅ ｃｈａｒｇｅ ｆｏｒ ｐｒｉｎｔｉｎｇ ｃｈｅｃｋｓ, ｃｈａｒｇｅｓ ｂａｓｅｄ ｏｎ ｔｈｅ ｎｕｍｂｅｒ ｏｆ ｃｈｅｃｋｓ ｄｒａｗｎ, ｃｈａｒｇｅｓ ｆｏｒ ｕｓｅ ｏｆ ａｎ ａｕｔｏｍａｔｉｃ ｔｅｌｌｅｒ ｍａｃｈｉｎｅ (ＡＴＭ), ｃｈａｒｇｅｓ ｆｏｒ ｏｖｅｒｄｒａｆｔｓ, ｃｈａｒｇｅｓ ｆｏｒ ｃｈｅｃｋｓ ｒｅｔｕｒｎｅｄ ｄｕｅ ｔｏ ｉｎｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ, ａｎｄ ｃｈａｒｇｅｓ ｆｏｒ ｐｌａｃｉｎｇ ｓｔｏｐ-ｐａｙｍｅｎｔ ｏｒｄｅｒｓ. Ｍｏｎｔｈｌｙ Ｓｅｒｖｉｃｅ Ｃｈａｒｇｅ ｏｒ Ｍａｉｎｔｅｎａｎｃｅ Ｃｈａｒｇｅ Ｔｈｉｓ ｉｓ ａ ｍｏｎｔｈｌｙ ｆｅｅ ｔｈｅ ｂａｎｋ ｃｈａｒｇｅｓ ｆｏｒ ｈａｖｉｎｇ ｔｈｅ ａｃｃｏｕｎｔ. Ｉｎ ｓｏｍｅ ｔｙｐｅｓ ｏｆ ａｃｃｏｕｎｔｓ ｔｈｉｓ ｃｈａｒｇｅ ｄｅｐｅｎｄｓ ｏｎ ｍａｉｎｔａｉｎｉｎｇ ａ ｍｉｎｉｍｕｍ ｂａｌａｎｃｅ. Ａｓ ｌｏｎｇ ａｓ ｔｈｅ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ ｄｕｒｉｎｇ ｔｈｅ ｍｏｎｔｈ ｓｔａｙｓ ａｂｏｖｅ ｔｈｅ ｍｉｎｉｍｕｍ ａｍｏｕｎｔ, ｔｈｅｒｅ ｉｓ ｎｏ ｆｅｅ. Ｉｎ ｓｏｍｅ ｃａｓｅｓ ｔｈｅ ｍａｉｎｔｅｎａｎｃｅ ｃｈａｒｇｅ ｉｓ ｂａｓｅｄ ｏｎ ｔｈｅ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｏｒ ｔｈｅ ｔｏｔａｌ ｏｆ ｔｈｅ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｐｌｕｓ ｔｈｅ ｂａｌａｎｃｅｓ ｉｎ ｏｔｈｅｒ ｂａｎｋ ｐｒｏｄｕｃｔｓ, ｓｕｃｈ ａｓ ｓａｖｉｎｇｓ ａｃｃｏｕｎｔｓ, ｃｅｒｔｉｆｉｃａｔｅｓ ｏｆ ｄｅｐｏｓｉｔ, ｍｏｎｅｙ ｍａｒｋｅｔ ｉｎｓｔｒｕｍｅｎｔｓ, ａｎｄ ｉｎｄｉｖｉｄｕａｌ ｒｅｔｉｒｅｍｅｎｔ ａｃｃｏｕｎｔｓ (ＩＲＡｓ). Ｉｔ ｉｓ ｉｍｐｏｒｔａｎｔ ｔｏ ｕｎｄｅｒｓｔａｎｄ ｔｈｅ ｃｏｎｄｉｔｉｏｎｓ ｔｈａｔ ａｐｐｌｙ ｉｎ ｔｈｅ ｃａｓｅ ｏｆ ａ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｗｉｔｈ ｎｏ ｍａｉｎｔｅｎａｎｃｅ ｃｈａｒｇｅｓ. Ｔｈｅｒｅ ｃｏｕｌｄ ｂｅ ａ ｌｉｍｉｔ ｏｎ ｔｈｅ ｎｕｍｂｅｒ ｏｆ ｃｈｅｃｋｓ ｙｏｕ ｃａｎ ｗｒｉｔｅ ｅａｃｈ ｍｏｎｔｈ, ｏｒ ｙｏｕ ｍａｙ ｈａｖｅ ｔｏ ｍａｉｎｔａｉｎ ａ ｍｉｎｉｍｕｍ ｂａｌａｎｃｅ ｉｎ ｔｈｅ ａｃｃｏｕｎｔ, ａｓ ｍｅｎｔｉｏｎｅｄ ａｂｏｖｅ. Ａｎｏｔｈｅｒ ｒｅｑｕｉｒｅｍｅｎｔ ｆｏｒ ａ ｆｒｅｅ ｏｒ ｌｏｗ-ｃｏｓｔ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｃｏｕｌｄ ｂｅ ｔｈａｔ ｙｏｕ ｍｕｓｔ ｈａｖｅ ｄｉｒｅｃｔ ｄｅｐｏｓｉｔ ｏｆ ｙｏｕｒ ｐａｙｃｈｅｃｋ. Ｉｎ ａｎｙ ｃａｓｅ, ｄｉｒｅｃｔ ｄｅｐｏｓｉｔ ｃａｎ ｂｅ ｃｏｎｖｅｎｉｅｎｔ ｏｎｃｅ ｙｏｕ ｈａｖｅ ａｎ ａｃｃｏｕｎｔ ｓｅｔ ｕｐ. Ｉｔ ｉｓ ａｎ ａｕｔｏｍａｔｉｃ ａｎｄ ｓａｆｅ ｗａｙ ｔｏ ｒｅｃｅｉｖｅ ｙｏｕｒ ｐａｙ, ｗｉｔｈｏｕｔ ｈａｖｉｎｇ ｔｏ ｇｏ ｔｏ ｔｈｅ ｂａｎｋ ｔｏ ｄｅｐｏｓｉｔ ｏｒ ｃａｓｈ ａ ｐａｙｃｈｅｃｋ. Ｂａｓｅｄ ｏｎ ｔｈｅ ｆｏｒｅｇｏｉｎｇ, ｔｈｅｒｅ ａｒｅ ｇｅｎｅｒａｌｌｙ ｔｗｏ ｗａｙｓ ｔｏ ａｖｏｉｄ ｔｈｅ ｍｏｎｔｈｌｙ ｓｅｒｖｉｃｅ ｏｒ ｍａｉｎｔｅｎａｎｃｅ ｃｈａｒｇｅ: ｃｈｏｏｓｅ ａ ｔｙｐｅ ｏｆ ａｃｃｏｕｎｔ ｔｈａｔ ｄｏｅｓｎ'ｔ ｃｈａｒｇｅ ａ ｍｏｎｔｈｌｙ ｆｅｅ, ｏｒ ｍａｉｎｔａｉｎ ａ ｓｕｆｆｉｃｉｅｎｔ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ ｓｏ ｙｏｕ ａｒｅ ｎｏｔ ｃｈａｒｇｅｄ ｔｈｅ ｆｅｅ. Ｃｈａｒｇｅ ｆｏｒ Ｐｒｉｎｔｉｎｇ Ｃｈｅｃｋｓ Ｗｈｅｎ ｙｏｕ ｏｐｅｎ ａｎ ａｃｃｏｕｎｔ ａｎｄ ａｓｋ ｆｏｒ ｃｈｅｃｋｓ, ｔｈｅ ｂａｎｋ ｗｉｌｌ ｃｈａｒｇｅ ｙｏｕｒ ａｃｃｏｕｎｔ ａ ｆｅｅ ｆｏｒ ｐｒｉｎｔｉｎｇ ｔｈｅ ｃｈｅｃｋｓ. Ｎｏｒｍａｌｌｙ ｔｈｅｒｅ ｉｓ ａ ｍｉｎｉｍｕｍ ｑｕａｎｔｉｔｙ ｏｆ ｃｈｅｃｋｓ ｔｈａｔ ｙｏｕ ｃａｎ ｒｅｑｕｅｓｔ. Ｔｈｅ ｂａｎｋ ｃｏｕｌｄ ｏｆｆｅｒ ｄｉｆｆｅｒｅｎｔ ｔｙｐｅｓ ｏｆ ｃｈｅｃｋｓ, ｆｏｒ ｅｘａｍｐｌｅ ｗｉｔｈ ｄｉｆｆｅｒｅｎｔ ｄｅｓｉｇｎｓ, ｗｉｔｈ ｏｒ ｗｉｔｈｏｕｔ ａ ｓｔｕｂ ｔｈａｔ ｒｅｍａｉｎｓ ｉｎ ｙｏｕｒ ｃｈｅｃｋｂｏｏｋ ｆｏｒ ｎｏｔｉｎｇ ｔｈｅ ｃｈｅｃｋ ｄａｔａ, ａｎｄ ｃｈｅｃｋｓ ｗｉｔｈ ｃａｒｂｏｎ ｃｏｐｙ. Ｃｈｅｃｋｓ ｗｉｔｈ ｓｐｅｃｉａｌ ｄｅｓｉｇｎｓ ｏｒ ｔｈｅ ｏｔｈｅｒ ｏｐｔｉｏｎｓ ｇｅｎｅｒａｌｌｙ ｃｏｓｔ ｍｏｒｅ ｔｈａｎ ｓｔａｎｄａｒｄ ｃｈｅｃｋｓ. Ｙｏｕ ｃｏｕｌｄ ａｖｏｉｄ ｔｈｉｓ ｃｈａｒｇｅ ｉｆ ｙｏｕ ａｒｅ ｇｏｉｎｇ ｔｏ ｐａｙ ａｌｌ ｙｏｕｒ ｂｉｌｌｓ ｏｎ ｌｉｎｅ, ｗｉｔｈｄｒａｗ ｔｈｅ ｃａｓｈ ｙｏｕ ｎｅｅｄ ｆｒｏｍ ｔｈｅ ＡＴＭ, ａｎｄ ｒｅａｌｌｙ ｄｏｎ'ｔ ｎｅｅｄ ｔｏ ｗｒｉｔｅ ｃｈｅｃｋｓ. Ｂｕｔ ｙｏｕ ｓｈｏｕｌｄ ｃｏｎｓｉｄｅｒ ｙｏｕｒ ｏｗｎ ｃｉｒｃｕｍｓｔａｎｃｅｓ ａｎｄ ｔｈｅ ｃｏｎｖｅｎｉｅｎｃｅ ｏｆ ｈａｖｉｎｇ ｔｈｅ ｏｐｔｉｏｎ ｔｏ ｗｒｉｔｅ ａ ｃｈｅｃｋ ｉｆ ｙｏｕ ｎｅｅｄ ｔｏ. Ｃｈａｒｇｅ ｆｏｒ ｔｈｅ Ｃｈｅｃｋｓ Ｙｏｕ Ｗｒｉｔｅ Ｉｎ ａｄｄｉｔｉｏｎ ｔｏ ｔｈｅ ｍｏｎｔｈｌｙ ｓｅｒｖｉｃｅ ｏｒ ｍａｉｎｔｅｎａｎｃｅ ｆｅｅ, ｏｒ ｉｎ ｓｏｍｅ ｃａｓｅｓ ｉｎｓｔｅａｄ ｏｆ ｔｈｉｓ ｆｅｅ, ｔｈｅ ｂａｎｋ ｃｏｕｌｄ ｃｈａｒｇｅ ｙｏｕｒ ａｃｃｏｕｎｔ ｆｏｒ ｅａｃｈ ｃｈｅｃｋ ｙｏｕ ｗｒｉｔｅ, ｏｒ ｃｏｕｌｄ ｃｈａｒｇｅ ｙｏｕ ｆｏｒ ｅａｃｈ ｃｈｅｃｋ ｏｖｅｒ ａ ｃｅｒｔａｉｎ ｎｕｍｂｅｒ ｏｆ ｃｈｅｃｋｓ ｐｅｒ ｍｏｎｔｈ. Ｙｏｕ ｃａｎ ａｖｏｉｄ ｏｒ ｍｉｎｉｍｉｚｅ ｔｈｉｓ ｃｈａｒｇｅ ｂｙ ｐａｙｉｎｇ ｙｏｕｒ ｂｉｌｌｓ ｏｎ ｌｉｎｅ ｉｎｓｔｅａｄ ｏｆ ｗｒｉｔｉｎｇ ｃｈｅｃｋｓ ａｎｄ ｓｅｎｄｉｎｇ ｔｈｅｍ ｂｙ ｍａｉｌ. Ｔｈｉｓ ａｓｓｕｍｅｓ ｔｈａｔ ｔｈｅ ａｃｃｏｕｎｔ ｙｏｕ ｏｐｅｎ ａｌｌｏｗｓ ｙｏｕ ｔｏ ｍａｎａｇｅ ｙｏｕｒ ａｃｃｏｕｎｔ ｏｎｌｉｎｅ ｗｉｔｈ ａ ｂｉｌｌ ｐａｙｉｎｇ ｆａｃｉｌｉｔｙ. Ｃｈａｒｇｅ ｆｏｒ Ｕｓｉｎｇ ａｎ ＡＴＭ Ｎｏｒｍａｌｌｙ ｔｈｅ ｂａｎｋ ａｌｌｏｗｓ ｉｔｓ ｃｕｓｔｏｍｅｒｓ ｔｏ ｕｓｅ ｔｈｅ ｂａｎｋ'ｓ ｏｗｎ ＡＴＭｓ ｗｉｔｈｏｕｔ ａ ｃｈａｒｇｅ. Ｂｕｔ ｔｈｅｒｅ ｃｏｕｌｄ ｂｅ ａ ｃｈａｒｇｅ ｗｈｅｎ ｙｏｕ ｕｓｅ ｏｔｈｅｒ ｂａｎｋｓ' ＡＴＭｓ. Ｉｎ ｔｈａｔ ｃａｓｅ, ｔｈｅ ｏｔｈｅｒ ｂａｎｋ ｃｏｕｌｄ ａｌｓｏ ｃｈａｒｇｅ ａ ｆｅｅ ｆｏｒ ｕｓｉｎｇ ｔｈｅｉｒ ＡＴＭｓ. Ａｌｔｈｏｕｇｈ ｔｈｅｓｅ ｃｈａｒｇｅｓ ｄｏ ｎｏｔ ｒｅｐｒｅｓｅｎｔ ａ ｓｉｇｎｉｆｉｃａｎｔ ａｍｏｕｎｔ ｆｏｒ ｅａｃｈ ｔｒａｎｓａｃｔｉｏｎ, ｔｈｅｙ ｃａｎ ａｄｄ ｕｐ ｏｖｅｒ ｔｉｍｅ ｗｈｅｎ ｙｏｕ ｕｓｅ ＡＴＭｓ ｆｒｅｑｕｅｎｔｌｙ, ｓｏ ｉｔ ｉｓ ｉｍｐｏｒｔａｎｔ ｔｏ ｃｏｎｔｒｏｌ ｔｈｅｍ. Ｔｈｅ ｂｅｓｔ ｗａｙ ｔｏ ａｖｏｉｄ ｔｈｉｓ ｃｈａｒｇｅ ｉｓ ｔｏ ｕｓｅ ｏｎｌｙ ｙｏｕｒ ｏｗｎ ｂａｎｋ'ｓ ＡＴＭｓ. Ｔｈｉｓ ｉｓ ｎｏｔ ａｌｗａｙｓ ｐｏｓｓｉｂｌｅ ｗｈｅｎ ｙｏｕ ａｒｅ ｓｏｍｅｗｈｅｒｅ ｅｌｓｅ ａｎｄ ｎｅｅｄ ｔｏ ｗｉｔｈｄｒａｗ ｃａｓｈ ｆｒｏｍ ａｎ ＡＴＭ ｔｈａｔ ｄｏｅｓ ｎｏｔ ｂｅｌｏｎｇ ｔｏ ｙｏｕｒ ｂａｎｋ. ＡＴＭｓ ｅｘｉｓｔ ｉｎ ｏｒｄｅｒ ｔｏ ｐｒｏｖｉｄｅ ｔｈｉｓ ｃｏｎｖｅｎｉｅｎｃｅ. Ｂｕｔ ｗｉｔｈ ａ ｌｉｔｔｌｅ ｐｌａｎｎｉｎｇ, ｙｏｕ ｃａｎ ｔａｋｅ ｏｕｔ ｔｈｅ ｃａｓｈ ｙｏｕ ｗｉｌｌ ｎｅｅｄ ｆｒｏｍ ｙｏｕｒ ｏｗｎ ｂａｎｋ'ｓ ＡＴＭｓ, ｏｒ ｉｎｓｉｄｅ ｔｈｅ ｂａｎｋ ｉｔｓｅｌｆ, ａｎｄ ｔｈｅｒｅｂｙ ａｖｏｉｄ ｔｈｉｓ ｃｈａｒｇｅ. Ｉｆ ｙｏｕ ａｒｅ ｔｒａｖｅｌｉｎｇ, ｙｏｕ ｓｈｏｕｌｄ ｗｅｉｇｈ ｔｈｅ ｒｉｓｋ ｏｆ ｃａｒｒｙｉｎｇ ｃａｓｈ ａｇａｉｎｓｔ ｔｈｅ ｃｈａｒｇｅ ｙｏｕ ｉｎｃｕｒ ｗｈｅｎ ｙｏｕ ｔａｋｅ ｃａｓｈ ｏｕｔ ｏｆ ＡＴＭｓ ａｓ ｙｏｕ ｎｅｅｄ ｉｔ. Ｃｈａｒｇｅｓ ｆｏｒ Ｉｎｓｕｆｆｉｃｉｅｎｔ Ｆｕｎｄｓ Ｗｈｅｎ ｙｏｕ ｗｒｉｔｅ ａ ｃｈｅｃｋ ａｎｄ ｔｈｅｒｅ ａｒｅ ｎｏｔ ｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ ｔｏ ｃｏｖｅｒ ｔｈｅ ｃｈｅｃｋ, ｔｈｅ ｂａｎｋ ｗｉｌｌ ｎｏｔ ｈｏｎｏｒ ｔｈｅ ｃｈｅｃｋ ａｎｄ ｗｉｌｌ ａｌｓｏ ｃｈａｒｇｅ ｙｏｕ ａ ｆｅｅ. Ｔｈｉｓ ｆｅｅ ｃａｎ ｂｅ ｑｕｉｔｅ ｈｉｇｈ ａｎｄ ｉｓ ｃｈａｒｇｅｄ ｆｏｒ ｅａｃｈ ｉｎｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ ｃｈｅｃｋ ｙｏｕ ｗｒｉｔｅ. Ｔｈｅ ｗａｙ ｔｏ ａｖｏｉｄ ｔｈｉｓ ｃｈａｒｇｅ ｉｓ ｔｏ ｋｅｅｐ ｙｏｕｒ ａｃｃｏｕｎｔ ｒｅｃｏｎｃｉｌｅｄ ａｎｄ ｕｐ-ｔｏ-ｄａｔｅ ｗｉｔｈ ａｌｌ ｄｅｂｉｔｓ ａｎｄ ｃｒｅｄｉｔｓ, ｉｎｃｌｕｄｉｎｇ ｄｅｐｏｓｉｔｓ ａｎｄ ｏｔｈｅｒ ｃｒｅｄｉｔｓ, ａｌｌ ｔｈｅ ｃｈｅｃｋｓ ｙｏｕ ｈａｖｅ ｗｒｉｔｔｅｎ, ａｎｄ ａｌｌ ｔｈｅ ｂａｎｋ ｃｈａｒｇｅｓ. Ｗｈｅｎ ｙｏｕ ｍａｎａｇｅ ｙｏｕｒ ａｃｃｏｕｎｔ ｏｎｌｉｎｅ, ｙｏｕ ｃａｎ ｓｅｅ ｔｈｅ ａｃｃｏｕｎｔｉｎｇ ｂａｌａｎｃｅ ａｎｄ ｔｈｅ ａｖａｉｌａｂｌｅ ｂａｌａｎｃｅ ａｔ ａｌｌ ｔｉｍｅｓ. Ｉｆ ｙｏｕ ｍａｎａｇｅ ｙｏｕｒ ａｃｃｏｕｎｔ ｕｓｉｎｇ ｔｈｅ ｒｅｇｉｓｔｅｒ ｉｎ ｙｏｕｒ ｃｈｅｃｋｂｏｏｋ, ｉｔ ｉｓ ｉｍｐｏｒｔａｎｔ ｔｏ ｎｏｔｅ ａｌｌ ｅｎｔｒｉｅｓ. Ｆｏｒ ｅｘａｍｐｌｅ, ｙｏｕ ｓｈｏｕｌｄ ｎｏｔｅ ｔｈｅ ｄａｔｅ, ｐａｙｅｅ, ａｎｄ ａｍｏｕｎｔ ｏｆ ｔｈｅ ｃｈｅｃｋ ｉｎ ｙｏｕｒ ｃｈｅｃｋｂｏｏｋ ｒｅｇｉｓｔｅｒ ａｓ ｓｏｏｎ ａｓ ｙｏｕ ｗｒｉｔｅ ｔｈｅ ｃｈｅｃｋ ｉｔｓｅｌｆ, ｎｏｔｅ ｙｏｕｒ ｄｅｐｏｓｉｔｓ ａｓ ｓｏｏｎ ａｓ ｙｏｕ ｍａｋｅ ｔｈｅｍ, ａｎｄ ｙｏｕ ｓｈｏｕｌｄ ｎｏｔｅ ｔｈｅ ｂａｎｋ ｃｈａｒｇｅｓ ａｎｄ ａｎｙ ｏｔｈｅｒ ｃｒｅｄｉｔｓ ｗｈｅｎ ｙｏｕ ｒｅｃｅｉｖｅ ｙｏｕｒ ｓｔａｔｅｍｅｎｔ ａｎｄ ｒｅｃｏｎｃｉｌｅ ｙｏｕｒ ａｃｃｏｕｎｔ ｂａｌａｎｃｅ. Ｔｈｉｓ ｗａｙ ｙｏｕ ｃａｎ ｂｅ ｃｏｎｆｉｄｅｎｔ ｔｈａｔ ｔｈｅ ａｍｏｕｎｔ ｒｅｃｏｒｄｅｄ ｉｎ ｙｏｕｒ ｃｈｅｃｋｂｏｏｋ ｒｅｇｉｓｔｅｒ ｉｓ ｕｐ-ｔｏ-ｄａｔｅ ｓｏ ｙｏｕ ｗｉｌｌ ｋｎｏｗ ｔｈｅ ｂａｌａｎｃｅ ｙｏｕ ｈａｖｅ ａｖａｉｌａｂｌｅ ａｎｄ ｃａｎ ａｖｏｉｄ ｗｒｉｔｉｎｇ ｃｈｅｃｋｓ ｗｉｔｈ ｉｎｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ. Ａｎｏｔｈｅｒ ｐｏｓｓｉｂｉｌｉｔｙ, ｆｏｒ ｔｈｅ ｔｉｍｅｓ ｗｈｅｎ ｙｏｕ ｃｏｕｌｄ ｐｏｔｅｎｔｉａｌｌｙ ｗｒｉｔｅ ａ ｃｈｅｃｋ ｗｉｔｈｏｕｔ ｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ, ｉｓ ｔｏ ｃｏｎｔｒａｃｔ ｏｖｅｒｄｒａｆｔ ｐｒｏｔｅｃｔｉｏｎ, ｗｈｉｃｈ ｉｓ ｉｎ ｅｆｆｅｃｔ ａ ｌｉｎｅ ｏｆ ｃｒｅｄｉｔ ｗｉｔｈ ｔｈｅ ｂａｎｋ ｔｈａｔ ｉｓ ａｃｔｉｖａｔｅｄ ｗｈｅｎ ｙｏｕ ｗｒｉｔｅ ａ ｃｈｅｃｋ ｆｏｒ ｍｏｒｅ ｔｈａｎ ｔｈｅ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ. Ｎｏｒｍａｌｌｙ, ｉｎｔｅｒｅｓｔ ｉｓ ｃｈａｒｇｅｄ, ａｎｄ ｐｏｓｓｉｂｌｙ ａ ｆｅｅ ｏｒ ｃｏｍｍｉｓｓｉｏｎ ｆｏｒ ｔｈｅ ｏｖｅｒｄｒａｆｔ ｐｒｏｔｅｃｔｉｏｎ, ｓｏ ｉｔ ｉｓ ｉｍｐｏｒｔａｎｔ ｔｏ ｕｎｄｅｒｓｔａｎｄ ｔｈｅ ｃｏｎｄｉｔｉｏｎｓ ｂｅｆｏｒｅ ｃｏｎｔｒａｃｔｉｎｇ ｉｔ. Ｂｕｔ ｉｎ ａｎｙ ｅｖｅｎｔ, ｔｈｅ ｃｏｓｔｓ ｉｎｖｏｌｖｅｄ ｗｉｔｈ ａｎ ｏｖｅｒｄｒａｆｔ ｌｉｎｅ ｏｆ ｃｒｅｄｉｔ ｃｏｕｌｄ ｂｅ ｌｏｗｅｒ ｔｈａｎ ｔｈｅ ｃｈａｒｇｅｓ ｆｏｒ ｉｎｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ ｃｈｅｃｋｓ, ａｎｄ ｏｖｅｒｄｒａｆｔ ｐｒｏｔｅｃｔｉｏｎ ｃａｎ ｐｒｏｔｅｃｔ ｙｏｕ ｆｒｏｍ ｔｈｅ ａｄｖｅｒｓｅ ｃｏｎｓｅｑｕｅｎｃｅｓ ｉｎ ｙｏｕｒ ｐａｙｍｅｎｔ ｈｉｓｔｏｒｙ ａｎｄ ｔｈｅｒｅｆｏｒｅ ｉｎ ｙｏｕｒ ｃｒｅｄｉｔ ｆｏｒ ｃｈｅｃｋｓ ｔｈａｔ ａｒｅ ｒｅｔｕｒｎｅｄ ｄｕｅ ｔｏ ｉｎｓｕｆｆｉｃｉｅｎｔ ｆｕｎｄｓ. Ｃｈａｒｇｅ ｆｏｒ Ｒｅｊｅｃｔｅｄ Ｄｅｐｏｓｉｔｓ Ｗｈｅｎ ｙｏｕ ｄｅｐｏｓｉｔ ａ ｃｈｅｃｋ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ ａｎｄ ｔｈｅ ｃｈｅｃｋ ｉｓ ｒｅｊｅｃｔｅｄ ｂｙ ｔｈｅ ｂａｎｋ ｏｎ ｗｈｉｃｈ ｉｔ ｗａｓ ｄｒａｗｎ, ｙｏｕｒ ｂａｎｋ ｃｏｕｌｄ ｃｈａｒｇｅ ｙｏｕ ａ ｆｅｅ ｆｏｒ ｔｈｅ ｒｅｊｅｃｔｅｄ ｄｅｐｏｓｉｔ. Ｗｈｅｎ ｙｏｕ ａｒｅ ｒｅｃｅｉｖｉｎｇ ｐａｙｍｅｎｔ ｆｒｏｍ ｓｏｍｅｏｎｅ ｙｏｕ ｄｏｎ'ｔ ｋｎｏｗ, ｏｒ ｗｈｅｎ ｙｏｕ ｈａｖｅ ｄｏｕｂｔｓ ａｂｏｕｔ ａ ｃｈｅｃｋ, ｉｔ ｉｓ ｐｒｅｆｅｒａｂｌｅ ｔｏ ａｓｋ ｆｏｒ ａ ｂａｎｋ ｄｒａｆｔ ｏｒ ｃｅｒｔｉｆｉｅｄ ｃｈｅｃｋ, ｎｏｔ ｏｎｌｙ ｔｏ ａｖｏｉｄ ａ ｃｈａｒｇｅ ｆｏｒ ａ ｒｅｊｅｃｔｅｄ ｄｅｐｏｓｉｔ, ｂｕｔ ａｌｓｏ ｔｏ ｅｎｓｕｒｅ ｔｈａｔ ｙｏｕ ｒｅｃｅｉｖｅ ｙｏｕｒ ｐａｙｍｅｎｔ. Ｃｈａｒｇｅ ｆｏｒ Ｓｔｏｐ Ｐａｙｍｅｎｔ Ｏｒｄｅｒｓ Ｗｈｅｎ ｙｏｕ ｗｒｉｔｅ ａ ｃｈｅｃｋ ａｎｄ ｓｅｎｄ ｉｔ, ｏｒ ｈａｎｄ ｉｔ ｏｖｅｒ ｔｏ ｔｈｅ ｐａｙｅｅ, ａｎｄ ｓｕｂｓｅｑｕｅｎｔｌｙ ｆｉｎｄ ｔｈａｔ ｙｏｕ ｗａｎｔ ｔｏ ｓｔｏｐ ｔｈｅ ｐａｙｍｅｎｔ, ｄｕｅ ｔｏ ｂｒｅａｃｈ ｏｒ ｎｏｎ-ｆｕｌｆｉｌｌｍｅｎｔ ｏｎ ｔｈｅ ｐａｒｔ ｏｆ ｔｈｅ ｐａｙｅｅ ｏｆ ｔｈｅ ｃｏｎｄｉｔｉｏｎｓ ｕｎｄｅｒ ｗｈｉｃｈ ｙｏｕ ｉｓｓｕｅ ｔｈｅ ｃｈｅｃｋ, ｏｒ ｗｈｅｎ ｙｏｕ ｌｏｓｅ ａ ｃｈｅｃｋ ａｎｄ ｗａｎｔ ｔｏ ｅｎｓｕｒｅ ｔｈａｔ ｎｏ ｏｎｅ ｃａｓｈｅｓ ｉｔ, ｙｏｕ ｃａｎ ｐｌａｃｅ ａ ｓｔｏｐ ｏｒｄｅｒ ｏｎ ｔｈｅ ｃｈｅｃｋ. Ｔｈｅ ｂａｎｋ ｇｅｎｅｒａｌｌｙ ｃｈａｒｇｅｓ ａ ｆｅｅ ｆｏｒ ｔｈｉｓ ｓｅｒｖｉｃｅ. Ｂｙ ｔａｋｉｎｇ ｃａｒｅ ｏｆ ｙｏｕｒ ｃｈｅｃｋｂｏｏｋ, ａｌｗａｙｓ ｋｅｅｐｉｎｇ ｉｔ ｉｎ ａ ｓａｆｅ ｐｌａｃｅ, ａｎｄ ｎｏｔｉｎｇ ａｌｌ ｔｈｅ ｃｈｅｃｋｓ ｙｏｕ ｗｒｉｔｅ, ｙｏｕ ｃａｎ ａｖｏｉｄ ｔｈｅ ｎｅｅｄ ｔｏ ｒｅｑｕｅｓｔ ａ ｓｔｏｐ ｐａｙｍｅｎｔ ｏｒｄｅｒ ｆｏｒ ａ ｌｏｓｔ ｃｈｅｃｋ. Ｉｔ ｍａｙ ｂｅ ｍｏｒｅ ｄｉｆｆｉｃｕｌｔ ｔｏ ａｖｏｉｄ ｔｈｅ ｎｅｅｄ ｔｏ ｉｓｓｕｅ ａ ｓｔｏｐ ｐａｙｍｅｎｔ ｏｒｄｅｒ ｆｏｒ ｂｒｅａｃｈ ｏｒ ｎｏｎ-ｆｕｌｆｉｌｌｍｅｎｔ ｏｎ ｔｈｅ ｐａｒｔ ｏｆ ｔｈｅ ｐａｙｅｅ, ｂｕｔ ｉｎ ｔｈｉｓ ｃａｓｅ ｉｔ ｉｓ ｂｅｔｔｅｒ ｔｏ ｉｎｃｕｒ ｔｈｅ ｃｏｓｔ ｏｆ ｉｓｓｕｉｎｇ ｔｈｅ ｓｔｏｐ ｐａｙｍｅｎｔ ｏｒｄｅｒ ａｎｄ ｎｏｔ ｌｏｓｅ ｔｈｅ ａｍｏｕｎｔ ｏｆ ｔｈｅ ｃｈｅｃｋ. Ｃｈａｒｇｅ ｆｏｒ Ｔｅｌｅｐｈｏｎｅ Ｉｎｑｕｉｒｉｅｓ Ｔｈｅ ｂａｎｋ ｍａｙ ｃｈａｒｇｅ ｙｏｕ ｗｈｅｎ ｙｏｕ ｃａｌｌ ｔｏ ｉｎｑｕｉｒｅ ａｂｏｕｔ ｙｏｕｒ ｂａｌａｎｃｅ ｏｒ ｔｏ ｃｏｎｆｉｒｍ ｔｈａｔ ａ ｄｅｐｏｓｉｔ ｏｒ ｃｈｅｃｋ ｈａｓ ｂｅｅｎ ｐｒｏｃｅｓｓｅｄ. Ｙｏｕ ｃａｎ ａｖｏｉｄ ｔｈｉｓ ｃｈａｒｇｅ ｂｙ ｕｓｉｎｇ ｔｈｅ ｏｎｌｉｎｅ ｂａｎｋｉｎｇ ｏｐｔｉｏｎ, ｗｈｅｒｅ ｙｏｕ ｃａｎ ｓｅｅ ｙｏｕｒ ｂａｌａｎｃｅ ａｎｄ ｔｈｅ ｕｐ-ｔｏ-ｄａｔｅ ａｃｔｉｖｉｔｙ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ. Ｃｈｅｃｋｉｎｇ Ａｃｃｏｕｎｔｓ ｔｈａｔ Ｐａｙ Ｉｎｔｅｒｅｓｔ Ｔｈｅｒｅ ａｒｅ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔｓ ｔｈａｔ ｐａｙ ｉｎｔｅｒｅｓｔ ｏｎ ｔｈｅ ｂａｌａｎｃｅ ｍａｉｎｔａｉｎｅｄ ｉｎ ｔｈｅ ａｃｃｏｕｎｔ. Ｔｈｅ ｉｎｔｅｒｅｓｔ ｙｏｕ ｅａｒｎ ｃｏｕｌｄ ｏｆｆｓｅｔ ｓｏｍｅ ｏｒ ａｌｌ ｏｆ ｔｈｅ ｃｈａｒｇｅｓ ｔｏ ｙｏｕｒ ａｃｃｏｕｎｔ, ａｎｄ ｃｏｕｌｄ ｅｖｅｎ ｇｅｎｅｒａｔｅ ａｄｄｉｔｉｏｎａｌ ｉｎｃｏｍｅ. Ｉｔ ｉｓ ｉｍｐｏｒｔａｎｔ ｔｏ ｃｏｎｓｉｄｅｒ ａｌｌ ｔｈｅ ｃｏｎｄｉｔｉｏｎｓ ａｓ ａ ｗｈｏｌｅ ｉｎ ｏｒｄｅｒ ｔｏ ｄｅｔｅｒｍｉｎｅ ｗｈｅｔｈｅｒ ａｎ ａｃｃｏｕｎｔ ｔｈａｔ ｐａｙｓ ｉｎｔｅｒｅｓｔ ｉｓ ｔｏ ｙｏｕｒ ａｄｖａｎｔａｇｅ, ｔａｋｉｎｇ ｉｎｔｏ ａｃｃｏｕｎｔ ａｎｙ ｓｐｅｃｉａｌ ｒｅｑｕｉｒｅｍｅｎｔｓ ｔｈｉｓ ｔｙｐｅ ｏｆ ａｃｃｏｕｎｔ ｍａｙ ｉｎｖｏｌｖｅ. Ｆｏｒ ｅｘａｍｐｌｅ, ｆｏｒ ａ ｃｈｅｃｋｉｎｇ ａｃｃｏｕｎｔ ｔｈａｔ ｐａｙｓ ｉｎｔｅｒｅｓｔ, ｉｔ ｍａｙ ｂｅ ｎｅｃｅｓｓａｒｙ ｔｏ ｍａｉｎｔａｉｎ ａ ｍｉｎｉｍｕｍ ｂａｌａｎｃｅ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ. Ｉｆ ｔｈｅ ｃｈａｒｇｅｓ ｆｏｒ ｄｒｏｐｐｉｎｇ ｂｅｌｏｗ ｔｈｅ ｍｉｎｉｍｕｍ ｂａｌａｎｃｅ ａｒｅ ｈｉｇｈｅｒ ｔｈａｎ ｔｈｅ ｉｎｔｅｒｅｓｔ ｙｏｕ ｃｏｕｌｄ ｅａｒｎ, ｃｏｎｓｉｄｅｒｉｎｇ ｔｈｅ ａｖｅｒａｇｅ ｂａｌａｎｃｅ ｙｏｕ ｃａｎ ｍａｉｎｔａｉｎ ｉｎ ｙｏｕｒ ａｃｃｏｕｎｔ, ｔｈｉｓ ｍａｙ ｎｏｔ ａｌｗａｙｓ ｂｅ ｔｈｅ ｂｅｓｔ ｏｐｔｉｏｎ. |
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