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Explore banking and bill paying over the Internet:
Online banking lets you review deposits and withdrawals, keep track of your balance, and transfer funds between linked accounts 24 hours a day, seven days a week. Most banks also allow you to pay bills quickly and easily online by keying in a few details and clicking “OK.” Online bill paying often is either free of charge or for a fee that is usually less than what you’d spend on postage.
In addition, “the ability to monitor your account any time, without having to wait for a monthly statement in the mail, enables you to quickly theft,” said Michael Jackson, an Associate Director of the FDIC’s Division of Supervision and Consumer Protection. “And the sooner you spot a problem, the easier it should be to fix.”
You can even use the Internet to fill out a loan application from home, when and where it’s convenient for you. “Most consumer like to finalize a loan in person, at the bank, with a pen and a handshake, ” said Weatherby. “But it’s a big plus being able to take care of the bulk of the preliminary work at your leisure and at home, where you already have the income and expense records you may need, and where you can send encrypted information securely over the Internet to your bank.”
Use the Web to comparsion shop for financial services.
The Internet also lets you research products and services among hundreds of financial institutions any time of day without ever leaving home. “And the more information available to the public, the more competition there is, and that can mean better prices for consumers,” said Saxinger.
Remember, though, that not all Web sites and e-mail advertisements are from reputable companies, and some may be the clever work of crooks attempting to obtain personal information they can use to commit fraud. See the FDIC Consumer News for some reminders about how to protect against scams.
Final Thoughts
We hope we’ve given you some new ideas you can use to simplify your financial life. If you’re not sure what’s best for you, speak with a bank representative or a trusted advisor. Also consider starting small, maybe with one or two new ways of doing things that are easy and not too intimidating at first. And remember that if you need more guidance about your consumer protections, the government agencies listed on; www.fdic.gov can help further simplyfy your life with reliable help and information.
Resource - Receive information on such topics; FDIC Consumer News
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